Privacy Policy

Who can use Valo

Valo is made for adults. You must be at least 18 years old to use Valo. Valo is not intended for, and may not be used by, anyone under 18.

The account is yours. By using Valo you confirm that you are at least 18, that you are setting Valo up for your own use, and that you are not installing it, or connecting accounts to it, on someone else’s behalf without their knowledge and permission. If you believe a child has created an account, contact us and we will delete it.

Two things we refer to throughout this policy

To keep this policy clear, we use two defined terms:

• Connected Accounts. The email and messaging accounts you choose to link to Valo so it can turn relevant messages into tasks and send messages for you. Today this means Gmail and WhatsApp. Connecting an account is always optional, and you can disconnect it at any time.
• Service Providers. The trusted companies that process information on our behalf so Valo can work, such as cloud hosting and storage, AI processing, speech and voice services, telephony, push notifications, sign-in verification, error diagnostics, product analytics, and advertising measurement. They act on our instructions and only to provide these features. We do not allow them to use your content for their own purposes. Our payment partner and the banks and payment networks involved in a payment are not Service Providers; they process your information under their own legal obligations and notices. We keep a current list of our providers and will share it on request.

Information you provide

• Account information. Your phone number, which you use to sign in, and optionally your name and email address.
• Tasks and chats with Valo. The tasks, reminders, notes, and details you create, and what you say to Valo in the app, including standing rules you ask it to remember.
• Voice recordings. If you talk to Valo by speaking, the audio you record and its transcript.
• Photos and documents. Any photo, screenshot, PDF, or other file you choose to share with Valo, including bills. If a file is password-protected, we use the password you give us only to open that file.
• Connected Account content (optional). If you connect Gmail, Valo reads your email to find messages that need a reply, have a deadline, or contain a bill, and stores copies of the messages it needs, including their text, attachments, and the names, email addresses, and phone numbers of the people in them. If you connect WhatsApp, Valo reads only the chats you select, including any group chats you select, and stores copies of their messages and the images and documents in them. Valo also receives the names and phone numbers of the people and groups in your WhatsApp chat list so you can choose which chats to monitor.
• Contacts (optional). With your permission, Valo uses your device contacts to show the names you know against your WhatsApp chats. If you turn on Call Assist, Valo also sends the names and phone numbers in your contacts to us and keeps them up to date, so Valo can tell a caller you know from a stranger. You can also pick a single contact to share with Valo when you set up a task or a payment.
• People in your life. To make tasks smarter, we keep a private list of the people you deal with, including their name, your relationship, and their email or phone where available, drawn from your tasks, your contacts, and your Connected Accounts.
• Call Assist settings (optional). If you turn on Call Assist, the greeting, voice, and instructions you choose for callers, your quiet hours, and any address you save for Valo to give to callers.
• Calls Valo answers (optional). If you turn on Call Assist, the caller’s phone number and caller ID, what the caller says, and any name or reason they give. Calls are recorded and transcribed, and callers hear a notice that the call is recorded. We keep the recording, transcript, and a summary so you can see what happened and so Valo can create tasks from the call.
• Payment details (optional). If you use Valo to pay bills or people, the biller and your account details with them, the people you pay and their UPI IDs, the amounts, dates, and limits you set, and the bills and receipts involved. Payment authentication happens in your own UPI app or in our payment partner’s secure screen, and we do not receive your UPI PIN through that process.
• Location (optional). We access your device’s location only when you choose to share it, for example to give a caller your current location. Location information may also appear in addresses or content you give Valo.
• Support messages. Any message and photos you send us through in-app support.

Information we collect automatically

When you use Valo, we collect limited technical information needed to run the app and deliver your reminders:

• Device and app information. Your device type and model, platform (iOS or Android), operating system version, app version, time zone, and, for Call Assist, your mobile carrier.
• Notification token. A push-notification identifier used to deliver your reminders and alerts.
• Diagnostic data. If the app crashes or hits an error, or you send us a report from inside the app, technical diagnostic information and recent app activity, so we can find and fix the problem.
• Usage information. Which features you use and where people run into difficulty, tied to your account id. This never includes the content of your tasks, messages, calls, or payments.
• Advertising identifier. On Android, your device’s resettable advertising identifier, along with device information and IP address, collected by our advertising-measurement Service Provider only to tell whether one of our ads led to an app install. Valo does not collect the advertising identifier on iOS. Controls for this identifier depend on your device settings.

What we do not do

• We do not sell your personal information.
• We do not track your location. We access it only when you choose to share it.
• We do not use advertising identifiers to profile you or to show you ads; they are used only to measure our own ad campaigns.
• We do not use the content of your tasks, calls, or Connected Accounts to train generalized AI models.
• We do not use the content of your Connected Accounts for advertising.
• We do not allow people to read the messages in your Connected Accounts, your call recordings, or your chats with Valo, except where you ask us to, where it is necessary for security or to comply with the law, or where the data has been aggregated and anonymized.
• Valo does not send a message, make a payment, or place a call on your behalf unless you asked it to, either by tapping send or pay, or by setting up a standing instruction such as a follow-up or an automatic payment limit.

Information about other people

Valo handles information about other people: the people who write to you in your Connected Accounts, the people who call you when Call Assist is on, and the people and businesses you pay. By connecting an account, turning on Call Assist, or setting up a payment, you confirm that you are allowed to share that information with us and that you will obtain any consent the law requires. Your authorisation does not replace any legal basis Persin must have itself. Callers hear a notice that the call is recorded, and any message Valo sends to a caller comes from a Valo business number and is clearly from Valo. Disconnecting an account or turning off Call Assist stops future collection; information already collected is covered by the deletion controls and retention rules below.

How we use your information

We use your information to provide the Services: to sign you in and keep you signed in; to store and show your tasks; to understand the things you give us so we can create, organise, and draft them for you; to remind you at the time you set, including by ringing you when you ask for a call; to find things you need to do in your Connected Accounts; to send the messages you approve from your own number or mailbox; to answer your calls, take messages, and bring you in when a call needs you; to prepare and make the payments you set up and keep receipts; to respond to your support requests; to keep the app secure and working; and to comply with our legal obligations.

Improving Valo

We use information about how you use Valo, such as which features you use and where people run into difficulty, to operate and improve the Services, including the AI that powers them. We do this using usage information, not the content of your tasks, calls, or the messages in your Connected Accounts. We use Google data, such as Gmail, only for the Gmail features described in this policy, and never to train or improve any AI or machine learning model.

How Valo uses Google user data

If you connect Gmail, Valo asks for access to your Google Account and uses it only to provide the features you ask for. We request permission to:

• Read your email. Valo reads your Gmail messages to find ones that need a reply, have a deadline, or contain a bill, and turns them into tasks, including the message text, attachments, and the names, email addresses, and phone numbers of the people in those messages.
• Send email on your behalf. When you choose to send a reply from inside Valo, or ask Valo to follow up for you, Valo sends that email from your Gmail account. Valo sends email only when you ask it to or under a standing instruction you set.
• See your basic Google profile. Valo uses your Google account’s email address, name, and profile picture to identify the account you connected and show you which account is linked.

Valo’s use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements. We never use your Google data, including Gmail content, to train or improve any AI or machine learning model; we use it only to provide the features above. You can disconnect Gmail at any time from your profile, which deletes the Google data we stored for that connection. Tasks Valo already created from your email remain until you delete them. Any transfer of your Google data in a merger, acquisition, or sale of assets requires your explicit prior consent.

How Valo uses WhatsApp

If you connect WhatsApp, Valo links to your WhatsApp account as a linked device. The WhatsApp connection runs on your phone, and your WhatsApp sign-in keys stay on your device and are never sent to us. Valo reads only the chats you select and sends us copies of their messages and the images and documents in them, so it can find things you need to do. We keep these copies for a limited period; tasks Valo created from them remain until you delete them.

When you approve a message, Valo sends it from your own WhatsApp number, from your phone. If you ask Valo to follow up with someone until something is done, Valo may send those follow-ups under the standing instruction you approved, in your name, and the recipient can see the message was sent through Valo. You can stop future follow-ups at any time. You can unlink WhatsApp at any time from your profile or from WhatsApp’s linked-devices screen.

Call Assist

If you turn on Call Assist, you set your phone to forward calls to Valo when you are busy or do not answer. Valo answers the caller with an AI voice, using the greeting, voice, and instructions you chose, takes a message, and tells you what the call was about. Depending on your settings, Valo may connect a call to you, contact you or the caller, and share information you have authorised, such as an address. Calls are recorded, transcribed, and summarised. Recordings and transcripts are kept for a limited period and then erased; summaries are kept with your tasks. Removing a recording from view in the app does not immediately erase stored copies; they are erased on that schedule.

Payments

If you use Valo to pay bills or people, payments are made through our payment partner, currently Razorpay, a payment company licensed in India. You authorise each payment yourself in your own UPI app or in our payment partner’s secure screen, or you approve a UPI Autopay mandate with a limit, within which our payment partner pays on your behalf when a bill is due. We share with our payment partner your name, phone number, and email, the details of the bill or the person being paid, and the amount, and we receive back the payment status and receipt. We do not hold your money.

How your information is processed by Service Providers

Valo is an AI-assisted app. To provide its features, your information is processed by our Service Providers, grouped by what they do:

• Cloud hosting and storage. Stores your account, tasks, media, copies of Connected Account messages, and call recordings, and delivers account emails. Our main servers are in India.
• AI processing. Your tasks, chats with Valo, voice transcripts, photos and documents, the content of your Connected Accounts, and call transcripts are sent to AI providers to understand them, create tasks, draft replies, talk to callers, and look things up.
• Speech and voice. Converts your voice notes and callers’ speech into text, and Valo’s replies on calls into speech.
• Telephony. Carries Call Assist calls and holds call recordings under our retention arrangements.
• Sign-in and notifications. Used to verify your phone number at sign-in and to deliver your reminders and alerts as push notifications. Notifications include the reminder’s title and text and are delivered through Apple’s and Google’s notification services.
• Diagnostics. Receives technical crash and error reports so we can diagnose problems.
• Product analytics. Receives usage events tied to your account id, never the content of your tasks, messages, calls, or payments, so we can understand and improve Valo.
• Advertising measurement. Receives device information, IP address, and, on Android, the advertising identifier to measure whether our ads led to app installs, and shares that limited outcome (for example, that an install or sign-up followed an ad) with the advertising platform that showed the ad. This never involves the content of your tasks, messages, or Connected Accounts.

Our Service Providers act on our behalf and only to provide these features. A current list of the specific providers we use is available on request.

How we share your information

We do not sell your personal information, and we do not share it with third parties for their own purposes. We share information only: with the Service Providers described above, who process it on our behalf to run Valo; with the people you choose to message, call, or pay, in the messages and calls Valo handles for you; with our payment partner, banks, and payment networks as needed to complete a payment you set up; as limited ad-measurement outcomes shared with advertising platforms, described above; when required to comply with the law or valid legal process, or to protect the rights, safety, and security of our users, the public, or Valo; and, if Persin is ever involved in a merger, acquisition, or sale of assets, with the party involved, subject to this policy and, for Google data, to your explicit prior consent.

International data transfers

Our main servers are in India. Some of our Service Providers, including AI, speech, analytics, and diagnostics providers, process information outside India, including in the United States. We transfer information outside India only where the law permits, and we require the protection that Indian law requires.

Data storage and retention

We keep your information for as long as your account is active and for as long as we need it to provide the Services. How long we keep each kind of information depends on its purpose: copies of Connected Account messages, call recordings, and transcripts are kept for a limited period and then deleted, while your tasks and summaries stay until you delete them. You can delete individual tasks and their attachments at any time. You can disconnect any Connected Account at any time, which removes the messages we stored for that connection. Backups are kept for a short period.

Deleting your account

You can delete your account and all associated data at any time from within the app, in your profile settings, or by emailing hello@tellvalo.com. Deleting your account removes Valo’s access to your Connected Accounts, cancels automatic payment instructions set up through Valo, and deletes your account and the personal data associated with it. We recommend that you also confirm with your bank that any Autopay mandate is cancelled, and turn off call forwarding on your phone. Usage events are kept in de-identified form, no longer linked to your account. Copies may remain in backups for a short period, and we may keep limited information where the law requires it, such as payment records, or to prevent fraud or abuse. Uninstalling the app does not delete your account or the data we hold, cancel bank mandates, or turn off call forwarding.

Your rights

Persin is the data fiduciary responsible for your personal data. Subject to applicable law, you have rights over your information:

• Access. Ask for a copy of the personal data we hold about you.
• Correction. Ask us to correct or complete your information. You can also update your profile in the app.
• Erasure. Ask us to delete your account and your data, as described above.
• Withdraw consent. Disconnect any Connected Account, turn off Call Assist, cancel any automatic payment, change permissions in your device settings, or email us to withdraw consent to a particular use. We will stop that processing, subject to legal exceptions, and features that need that information may stop working.
• Grievance redressal. Raise a concern with our Grievance Officer (below) and receive a response.
• Nominate. Where the law provides, nominate another person to exercise these rights on your behalf after your death or incapacity.

To exercise any of these rights, contact us at hello@tellvalo.com.

Security

We use reasonable technical and organizational measures to protect your information, including encryption in transit and at rest, encrypted storage of connection credentials, and access restricted on a need-to-know basis. No method of transmission or storage is completely secure, but we work to protect your information using reasonable measures. If a personal data breach affects you, we will notify you and the relevant authorities where the law requires. Please keep your device and account secure and do not share your sign-in details.

Grievance Officer

If you have a concern about how your personal data is handled, you can contact our Grievance Officer:

Grievance Officer, Persin Private Limited Email: hello@tellvalo.com

We will acknowledge your concern promptly and resolve it within the time required by applicable law.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in the law or in how the app works. When we do, we will revise the “Last updated” date above, and we will tell you about material changes before they take effect. Where a change needs your consent, we will ask for it before applying it.

Contact

If you have any questions about this Privacy Policy or your data, contact us at hello@tellvalo.com. This policy is published at tellvalo.com/privacy and inside the app.