Privacy Policy

This Privacy Policy explains how PM TECHNOLOGIES ("Talko AI", "we", "us") collects, uses, discloses and safeguards personal information when you use our website and platform (the "Service"). By using the Service you agree to the practices described here.

For information about your own account and use of the Service (such as your name, email and billing details), Talko AI acts as the data controller.

For the personal data of your end-customers that flows through the Service — the contacts and conversations on your connected WhatsApp, Instagram, Messenger and web-chat channels — you are the data controller and Talko AI acts as your data processor, processing that data on your instructions to provide the Service.

• Account information: name, business name, email, phone, password (stored hashed), and the industry, team size and use-case details you provide at sign-up.
• Billing information: plan, subscription status and payment metadata. Card details are handled by our payment processor and are not stored by us.
• Channel & integration data: the credentials and API keys you connect (encrypted at rest), and the messages, contacts and media exchanged on your connected channels.
• AI keys: the AI provider keys you supply, stored encrypted and used only to generate replies for your account.
• Usage data: log data, device and browser information, IP address, feature usage and diagnostic information.
• Cookies and similar technologies, as described in our Cookie Policy.

• To provide, operate, secure and improve the Service.
• To authenticate users, manage accounts and process billing.
• To generate AI responses using the keys and knowledge base you provide.
• To send service, security and transactional communications, and — where permitted — product updates you can opt out of.
• To detect, prevent and address fraud, abuse and security or technical issues.
• To comply with legal obligations and enforce our terms.

Where applicable law requires a legal basis, we rely on: performance of our contract with you; our legitimate interests in operating and securing the Service; your consent (which you may withdraw); and compliance with legal obligations.

We do not sell personal information. We share information only as needed to run the Service, with sub-processors and partners that are bound by appropriate confidentiality and data-protection obligations, including:

• Meta Platforms — to send and receive messages on WhatsApp, Instagram and Messenger.
• AI providers you choose (such as Google Gemini, OpenAI or Anthropic) — to generate replies using your key.
• Payment processors (such as Stripe or Razorpay) — to handle subscriptions and payments.
• Infrastructure and hosting providers (such as our cloud database and hosting platform) — to store and serve data.
• Professional advisers, and authorities where required by law or to protect rights and safety.

We may also disclose information in connection with a merger, acquisition or sale of assets, subject to this Policy.

Your information may be processed in countries other than your own. Where we transfer personal data internationally, we use appropriate safeguards, such as standard contractual clauses, where required by applicable law.

We retain personal information for as long as your account is active or as needed to provide the Service, and thereafter only as required to comply with legal obligations, resolve disputes and enforce agreements. You can request export or deletion of Your Data; on account termination we delete or anonymise data within a reasonable period, subject to legal retention requirements.

We use technical and organisational measures designed to protect personal information, including encryption of credentials and API keys at rest, per-business data isolation with row-level security, access controls and audit logging. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Depending on your location, you may have rights to access, correct, delete, export or restrict the processing of your personal data, and to object to processing or withdraw consent. To exercise these rights, contact info@thetalko.in. Where Talko AI acts as a processor for end-customer data, requests from those individuals should be directed to the business that controls that data.

We use cookies and similar technologies as described in our Cookie Policy.

The Service is not directed to children under 16, and we do not knowingly collect their personal information. If you believe a child has provided us personal data, contact us and we will delete it.

We may update this Privacy Policy from time to time. Material changes will be notified through the Service or by email, and the "last updated" date below will reflect the current version.

For privacy questions or to exercise your rights, contact us at info@thetalko.in.