Privacy Policy

1. Data we collect

• Account data: your name, email address, a hashed (not readable) password, your plan and your access dates.
• Payment records: the reference, plan, amount, currency, status and date of each payment. Card details are entered on Paystack’s checkout and are not stored by us.
• Content you create: saved prompts, special requests and the messages in them. This may include work context you choose to share, such as entity names, period labels or account references - you decide what to enter.
• Usage data: basic activity events, such as AI request counts used to apply fair-use limits, and technical data needed to keep the service secure.
• Emails: we send service emails through our email provider, which records delivery details such as the recipient and delivery status.

2. How we use it

• To create and secure your account and sign you in.
• To provide the features of your plan, including running intelligent features, AI Leverage Tools and special requests.
• To take payments, activate your plan and send receipts.
• To send service emails such as welcome messages, password resets and payment receipts.
• To answer your questions, prevent abuse and improve the service.

We do not sell your personal data. We do not use client financial data you may submit to intelligent features to train models.

3. AI processing and financial data

When you use an intelligent feature (for example getting a tailored guide), the text you submit is sent to a third-party AI model provider through OpenRouter so that a result can be produced. Please do not submit confidential, personal, regulated or proprietary information - including client data, sensitive financial figures, or personally identifiable information - unless you are authorised to do so. Those providers process the text under their own terms.

If your work is subject to professional confidentiality rules (for example as an accountant, auditor or analyst bound by ICAEW, ACCA, CFA Institute, CPA Australia or a similar body) or to data protection law such as GDPR, Kenya’s Data Protection Act, 2019, or others, you are responsible for making sure that submitting text to an AI model is allowed in your situation.

4. Who we share data with

We share data only with service providers that help us run Marginlabs AI, and only as needed:

• Paystack, to process payments on behalf of Grande Akanda Technologies, the company that owns Marginlabs AI and collects the payments;
• OpenRouter and the AI model providers it routes to, for intelligent features;
• Resend, to deliver emails;
• our hosting and database providers, to store and serve the service.

We may also disclose data when the law requires it or to protect the rights and safety of our users and the service. Some of these providers are outside Kenya, so your data may be processed in other countries.

5. Cookies

We use a small number of strictly necessary cookies to keep you signed in and to protect forms. We do not use advertising cookies.

6. How long we keep data

We keep your account data while your account is open. Payment records are kept as long as needed for accounting and legal obligations. You can ask us to delete your account and personal data, subject to those obligations.

7. Security

Passwords are stored only as hashes. Connections to Marginlabs AI are encrypted, and access to data is limited to people who need it. No system is perfectly secure, so please use a strong, unique password.

8. Your rights

You can ask to access, correct or delete your personal data, to object to or restrict how we use it, and to receive a copy of it. You can update your name and password in your profile. For anything else, reply to any email we send you. You may also complain to the Office of the Data Protection Commissioner in Kenya.

9. Children

Marginlabs AI is for adults and is not directed at children. If you believe a child has given us personal data, contact us and we will delete it.

10. Changes

We may update this policy. The date above shows the latest version. If a change is significant we will tell you in the app or by email. See also our Terms of Service.