Privacy Policy

1. Introduction

MworX AI ("Company," "we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at mworxai.com (the "Website") or use our AI-powered insurance solutions and services (collectively, the "Services").

This Privacy Policy applies to all users of our Website and Services, including insurance Independent Marketing Organizations (IMOs), their agents, and other business users.

2. Information We Collect

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us, including:

• Contact Information: Name, email address, phone number, business address
• Business Information: Company name, number of agents, revenue range, services of interest
• Account Information: Username, password, account preferences
• Communication Data: Information you provide when contacting us, requesting demos, or seeking support
• Professional Information: Job title, role, industry experience
• Service Usage Data: Goals, timeline, implementation preferences

2.2 Information Collected Automatically

When you use our Website or Services, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, click patterns, referral sources
• Technical Data: Log files, error reports, performance metrics
• Location Data: General geographic location based on IP address (not precise location)

2.3 Cookies and Similar Technologies

We use cookies, web beacons, and similar tracking technologies to:

• Provide and improve our Services
• Remember your preferences and settings
• Analyze usage patterns and performance
• Deliver relevant content and advertisements
• Ensure security and prevent fraud

For detailed information about our cookie usage, please see our Cookie Policy.

2.4 AI-Specific Data Collection

As an AI service provider, we may collect:

• Training Data: Anonymized, aggregated data to improve our AI models
• Performance Metrics: Data about AI system accuracy and effectiveness
• Interaction Data: How users interact with AI-powered features
• Feedback Data: User feedback on AI recommendations and outputs

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Service Provision

• Providing and maintaining our AI-powered insurance solutions
• Processing automation workflows and predictive analytics
• Monitoring compliance and generating reports
• Delivering customer support and technical assistance

3.2 Business Operations

• Creating and managing user accounts
• Processing payments and billing
• Communicating about services, updates, and important notices
• Responding to inquiries and support requests

3.3 Analytics and Improvement

• Analyzing usage patterns to improve our Services
• Developing new features and functionality
• Training and improving our AI models (using anonymized data only)
• Conducting research and development

3.4 Marketing and Communications

• Sending newsletters and promotional materials (with consent)
• Providing information about new services or features
• Conducting surveys and market research
• Personalizing content and recommendations

3.5 Legal and Security

• Complying with legal obligations and regulatory requirements
• Protecting against fraud, security threats, and unauthorized access
• Enforcing our Terms of Service and other agreements
• Investigating and preventing violations of our policies

4. Automated Decision-Making and AI Processing

4.1 AI-Powered Services

Our Services use artificial intelligence and automated decision-making for:

• Process Automation: Automated data entry, workflow routing, error detection
• Predictive Analytics: Sales forecasting, risk assessment, performance insights
• Compliance Monitoring: Automated compliance checking and violation detection

4.2 Human Oversight

While our AI systems operate with significant automation, we maintain human oversight for:

• Critical compliance decisions
• Complex risk assessments
• Customer support escalations
• System performance monitoring

4.3 Your Rights Regarding Automated Processing

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

5.1 Service Providers

We may share information with trusted third-party service providers who assist us in:

• Cloud hosting and data storage
• Payment processing
• Email and communication services
• Analytics and performance monitoring
• Customer support tools

All service providers are contractually bound to protect your information and use it only for specified purposes.

5.2 Business Transfers

In the event of a merger, acquisition, or sale of business assets, your information may be transferred as part of the transaction. We will notify you of any such change in ownership or control.

5.3 Legal Requirements

We may disclose your information if required by law or in response to:

• Valid legal processes (subpoenas, court orders)
• Government investigations
• Law enforcement requests
• Protection of our rights, property, or safety
• Emergency situations involving immediate danger

5.4 Consent

We may share your information with your explicit consent for specific purposes not covered by this Privacy Policy.

6. Data Security

We implement comprehensive security measures to protect your personal information:

6.1 Technical Safeguards

• End-to-end encryption for data in transit and at rest
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Secure cloud infrastructure with industry-leading providers

6.2 Administrative Safeguards

• Employee training on data protection and privacy
• Access controls limiting data access to authorized personnel
• Regular review and updating of security policies
• Incident response procedures for security breaches

6.3 Physical Safeguards

• Secure data centers with restricted physical access
• Environmental controls and monitoring
• Backup and disaster recovery procedures

7. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy:

• Account Information: Retained while your account is active and for up to 7 years after closure
• Communication Records: Retained for up to 7 years for legal and business purposes
• Usage Data: Aggregated usage data may be retained indefinitely for analytics
• Legal Compliance: Some data may be retained longer to comply with legal obligations

You may request deletion of your personal information at any time, subject to legal and contractual requirements.

8. Your Privacy Rights

8.1 Access and Portability

• Right to access your personal information
• Right to receive a copy of your data in a portable format

8.2 Correction and Deletion

• Right to correct inaccurate personal information
• Right to request deletion of your personal information

8.3 Processing Limitations

• Right to object to certain processing activities
• Right to restrict processing under specific circumstances
• Right to opt-out of marketing communications

8.4 California Residents (CCPA/CPRA)

8.5 European Residents (GDPR)

To exercise any of these rights, please contact us at legal@mworxai.com.

9. International Data Transfers

If you are located outside the United States, please note that we may transfer your information to and process it in the United States. We ensure appropriate safeguards are in place for international transfers, including:

• Standard contractual clauses approved by relevant authorities
• Adequacy decisions where applicable
• Binding corporate rules for intra-group transfers

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

11. Third-Party Links

Our Website may contain links to third-party websites or services. 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.

12. State-Specific Privacy Rights

12.1 Tennessee Residents

Tennessee's privacy law (effective July 1, 2025) provides residents with rights to access, correct, delete, and obtain copies of their personal information, as well as opt-out of targeted advertising and sales of personal information.

12.2 Other State Laws

We comply with all applicable state privacy laws including those in Colorado, Connecticut, Utah, Virginia, and other states with comprehensive privacy legislation.

13. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. We will:

• Post the updated Privacy Policy on our Website
• Update the "Last Updated" date at the top of this policy
• Notify you of material changes via email or prominent notice on our Website
• Obtain your consent for material changes where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

14. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

15. Legal Basis for Processing (GDPR)

Where applicable under GDPR, our legal bases for processing your personal information include:

• Consent: Where you have given clear consent for specific processing activities
• Contract Performance: Processing necessary to provide our Services to you
• Legal Obligations: Processing required to comply with legal requirements
• Legitimate Interests: Processing necessary for our legitimate business interests, balanced against your privacy rights
• Vital Interests: Processing necessary to protect someone's life or health

16. Dispute Resolution

Any disputes relating to this Privacy Policy will be resolved through the dispute resolution mechanisms outlined in our Terms of Service, including binding arbitration where applicable.