Privacy Policy

1. Information We Collect

We may collect the following types of information when you use the Service:

Account Information: Your name, email address, password, and other details you provide when registering.

Usage Data: Logs of your interactions with the service, including chat transcripts, reports generated, and feature usage.

Financial Data You Provide: Any personal or financial information you choose to share with Warren during conversations or when generating reports.

Payment Information: If you purchase paid features, we process billing details through secure third-party payment providers.

Technical Data: Device type, browser, IP address, operating system, and cookies or similar technologies.

2. How We Use Your Information

We use your information to:

• Deliver and operate the Service, including chat sessions and reports.
• Improve service performance, accuracy, and user experience.
• Provide customer support and respond to enquiries.
• Process payments where applicable.
• Detect, prevent, and address fraud, abuse, or security incidents.
• Comply with legal and regulatory obligations.

We do not sell your personal information.

3. AI-Powered Features and Third-Party AI Services

Meet Warren is an AI-powered financial planning platform. To provide the Service, we send certain data to third-party AI model providers for processing. We want to be transparent about what data is shared, with whom, and how it is protected.

What data is sent to AI providers

When you interact with Warren — through text chat, voice calls, or for financial plan generation — the following data may be sent to third-party AI model providers:

• Conversation content: The text messages and voice call transcripts from your conversations with Warren.
• Financial information you share: Any income, expenses, savings, debts, goals, or other financial details you choose to provide during conversations.
• Your name and profile context: Retained knowledge of your financial situation Warren has built up during your continued usage of the patform.

We do not send your email address, password, payment details, or device information to AI model providers.

Who the data is sent to

We use the following third-party AI and voice providers to power Warren:

• OpenAI (OpenAI, L.L.C.) — conversational responses, financial analysis, and report generation.
• Anthropic (Anthropic, PBC) — conversational responses, financial analysis, and report generation.
• Deepgram (Deepgram, Inc.) — speech-to-text transcription during voice calls.

How your data is protected

We access OpenAI and Anthropic through their API services. Under their standard API terms of service:

• Your data is not used to train their AI models. Both providers prohibit the use of API data for model training by default.
• Data sent via the API may be temporarily retained by the provider for a limited period (typically up to 30 days) for safety and abuse monitoring, after which it is deleted.
• All data is transmitted using industry-standard encryption (TLS 1.2 or higher).

For full details on how each provider handles API data, please refer to OpenAI's API Data Usage Documentation , Anthropic's Data Processing Addendum and Anthropic's Commercial Terms of Service, and Deepgram's Privacy Statement.

Your consent

By using Warren's chat or voice call features, you acknowledge and consent to your conversation content and any financial information you share being processed by the third-party AI providers listed above. You can withdraw consent at any time by ceasing to use these features. You can also delete your account and all associated data at any time from your account settings.

4. How We Share Your Information

In addition to the AI providers described in Section 3, we may share your information in the following circumstances:

Service Providers: We use the following sub-processors to operate the Service:

Legal Compliance: Where required by law, regulation, or valid legal process.

Business Transactions: In the event of a merger, acquisition, or sale of assets, where personal data may be transferred subject to continued protection.

We do not sell your personal information or share your personal data with third parties for their marketing purposes.

5. Data Retention

We retain your personal data only for as long as necessary to provide the Service, comply with our legal obligations, resolve disputes, and enforce agreements. Chat transcripts and reports may be retained to improve the Service unless you request deletion.

If you delete your account, we will remove your personal data from our active systems. However, we may retain certain data for a reasonable period as required for legal, regulatory, or compliance purposes (for example, financial record-keeping obligations or fraud prevention).

6. Security

We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction. However, no system is completely secure, and we cannot guarantee absolute security.

7. International Data Transfers

Your data may be transferred to and processed in countries outside the United Kingdom, including the United States and European Economic Area, where data protection laws may differ.

Where we transfer your data internationally, we ensure adequate safeguards are in place, such as the UK GDPR-approved standard contractual clauses.

8. Your Rights

Under UK data protection law, you have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data (subject to legal and contractual obligations).
• Object to or restrict certain forms of processing.
• Request portability of your data in a structured, machine-readable format.
• Withdraw consent where we rely on it for processing.

To exercise these rights, contact us at info@meetwarren.co.uk

You also have the right to lodge a complaint with the UK Information Commissioner's Office (ICO) if you are not satisfied with our handling of your data.

9. Cookies and Similar Technologies

We use cookies and similar technologies on our website for essential functionality, analytics, and advertising purposes.

When you first visit our site, you will be presented with a cookie banner that allows you to choose which types of cookies you consent to. Essential cookies cannot be turned off as they are necessary for the site to function. Analytics and marketing cookies are only enabled with your consent.

When you create an account, analytics cookies are enabled as part of the provision of our service. Marketing cookies are never enabled automatically and always require your explicit consent.

You can manage your cookie preferences at any time by clicking the "Cookie Preferences" link in our website footer.

For full details on how we use cookies, please see our Cookie Notice.

10. Children

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will update the "Last updated" date and, where appropriate, provide additional notice.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us at: