Privacy Policy

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Last updated: January 2nd, 2025

Thank you for using Dibba (“the Service”). We respect your privacy and strive to protect your personal data. This Privacy Policy explains how Dibba.ai Technology (“we,” “us,” or “our”) collects, uses, discloses, and safeguards your information when you use our web and mobile application Dibba, offered from our office in Dubai, UAE. By using the Service, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the Service immediately.

1. Scope of This Policy

This Privacy Policy applies to information we collect through:

  • Our website, web-based application, or mobile application (Dibba).
  • Other interactions and communications you have with us when using or inquiring about our Service.

2. Information We Collect

2.1 Personal Information
When you sign up or use the Service, we may collect personal information such as:

  • Name

  • Email address

  • Phone number (optional or where applicable)

  • Billing information (if you opt for paid plans)

    2.2 Banking SMS Information
    The Service is AI-powered, and you can voluntarily send your banking SMS to our backend for expense, income, and transaction tracking. We do not directly collect or store your financial credentials, but we do process the content of your banking SMS to provide AI-driven analysis, insights, and summaries.

    2.3 Usage Data
    We automatically collect certain technical data when you use our Service, such as:

  • IP address

  • Device information (e.g., device type, operating system)

  • Browser type and version

  • Pages visited, links clicked, and other usage data

    2.4 Cookies and Similar Technologies
    We may use cookies, web beacons, or similar technologies to improve your user experience, analyze trends, and administer the Service. You can control cookies through your browser settings. However, disabling cookies may limit certain functionalities of the Service.

3. How We Use Your Information

We use the collected information to:

  1. Provide and Personalize the Service

    • Process your banking SMS data using third-party AI models.
    • Offer personalized insights and analytics about your expenses, income, and financial transactions.

  2. Communicate with You

    • Send administrative messages such as account confirmation, technical notifications, updates, and security alerts.
    • Respond to your inquiries, support requests, or provide requested information.

  3. Maintain and Improve the Service

    • Monitor and analyze usage trends.
    • Enhance features, functionality, and user experience.
    • Develop new services and features.

  4. Compliance, Security, and Fraud Prevention

    • Detect, investigate, and prevent fraudulent transactions or unauthorized activities.
    • Enforce our Terms of Service and other agreements.

  5. Legal Obligations

    • Comply with laws and regulations or respond to lawful requests and legal processes.

4. Disclosure of Your Information

4.1 Third-Party AI Providers
We leverage third-party AI models to classify transactions. Such providers process limited user data solely to provide the Service’s core functionalities. These providers are bound by confidentiality and data protection agreements.

4.2 Analytics Partners
We may share anonymized or aggregated data with trusted analytics providers to understand how our Service is used and to improve user experience. This data does not personally identify individuals.

4.3 Legal Requirements and Protection
We may disclose your information if required to do so by law, court order, or when we believe it is necessary to:

  • Comply with a legal obligation.

  • Protect the rights, property, or personal safety of users, our company, or others.

    4.4 Business Transfers
    If we are involved in a merger, acquisition, or asset sale, your personal data may be transferred. We will notify you if any transfer is subject to a new or different Privacy Policy.

    4.5 No Selling or Gifting of Data
    Your data is never transferred, sold, or gifted to third parties for marketing or other unrelated purposes.

5. Global Data Protection

We operate from Dubai, UAE, but our users may be located worldwide. We strive to comply with applicable data protection laws, including:

5.1 EU/EEA & UK (GDPR / DPA)

  • We only collect and process personal data if we have a lawful basis (e.g., your consent, contractual necessity, or legitimate interest).

  • You may have the right to access, rectify, or erase your data, restrict or object to its processing, or request data portability.

    5.2 United States (including California Residents)

  • We comply with applicable U.S. federal and state privacy laws.

  • If you reside in California, you may have rights under the California Consumer Privacy Act (CCPA), including the right to know what personal data we collect and the right to request deletion, subject to exemptions.

    5.3 China (PIPL)

  • We aim to comply with the Personal Information Protection Law (PIPL) and other Chinese regulations for residents of the People’s Republic of China.

  • Where applicable, you may request to access, rectify, or delete your personal data.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Upon account deletion or request, we will take reasonable steps to securely delete or anonymize your personal data.

7. Data Security

We take reasonable organizational, technical, and administrative measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. While we strive to use commercially acceptable means to protect your data, no method of transmission over the internet or method of electronic storage is 100% secure.

8. Children’s Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that your child has provided us with personal data without your consent, please contact us immediately, and we will take steps to remove such information promptly.

9. Third-Party Links

The Service may include links to third-party websites or services that we do not control. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

10. Your Choices and Rights

10.1 Account Information
You may update or correct your account information at any time by logging into your account settings.

10.2 Opt-Out

  • You can opt out of receiving promotional emails from us by following the instructions in those emails.

  • You can disable certain cookies or similar technologies via your browser settings, though functionality may be limited as a result.

    10.3 Data Access and Deletion
    Where required by law, you may have the right to request access to your personal data or request deletion of such data. Please contact us at support@dibba.ai for more information.

11. Changes to This Privacy Policy

We may modify this Privacy Policy at any time. If we do, we will update the “Last Updated” date above and, if the changes are significant, we may provide more prominent notice. Your continued use of the Service indicates your acceptance of the revised Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at:
Email: support@dibba.ai

By using Dibba, you acknowledge that you have read and understood this Privacy Policy.