Privacy Policy for Keyinsights
Svenska · English
Keyinsights is a tool for credit assessment. It records and transcribes interviews with borrowers and runs AI analysis — including a personality‑based view of creditworthiness — to support the lender’s decision. Keyinsights is not a medical device. This policy describes how we process personal data when you use the app.
1. Data controller
TalkToAlba AB, org.nr 559488‑8207, Magnus Stenbocksgatan 7, 222 24 Lund, Sverige. Data Protection Officer: dpo@talktoalba.com.
2. What data we process
- Account data: username, email address, password (stored only as a cryptographic hash), role and permissions.
- borrower ID and associated content: a randomly generated borrower ID (no name or national identity number required) and the content a professional links to it.
- Audio recordings: audio from credit interviews that you start and record yourself.
- Transcriptions and assessments: text created from recorded audio and AI‑generated summaries/assessments that you can edit and save.
- Messages: text in secure communication between borrowers and lenders.
- Technical logs: event logs for security and traceability (user ID, timestamp, action).
Only process data that is necessary for the credit assessment. Avoid sensitive personal data (special categories under Art. 9) unless necessary and supported by a proper legal basis.
3. Data on the device
- Microphone: used only while you are actively recording. The app does not listen in the background.
- Local files: audio files are stored temporarily on the device during transcription and are then deleted automatically according to your audio‑retention setting. Settings and login tokens are stored locally on the device.
4. Purposes and legal basis
We process data to provide the service: account management, recording, transcription, AI‑supported analysis, communication and security logging. The legal basis is performance of a contract or steps prior to entering a contract (Art. 6(1)(b)) and the legitimate interest of assessing credit risk (Art. 6(1)(f)).
Automated decision‑making and profiling
Keyinsights produces an AI‑supported, personality‑based assessment that constitutes profiling. The assessment is decision support — the final credit decision is made by a human (the lender), not solely automatically. You have the right to obtain information about the logic involved, to express your point of view and to request human intervention under Art. 22 GDPR.
5. How data is shared (processors)
We never sell your data. We use the following processors, under data processing agreements:
- Transcription and AI analysis: Microsoft Azure (Sweden Central, EU) and OpenAI for speech‑to‑text and language models. Recorded audio is processed within the EU.
- Email: Loopia (Sweden) for transactional email (account confirmations, login codes, reminders).
- Operations/hosting: our server within the EU.
6. Storage and retention
- Audio is deleted automatically after transcription (or according to your configured retention period).
- Transcriptions, assessments and accounts are stored for as long as the account is active or as long as required for the purpose and applicable law.
- The database is encrypted at rest (SQLCipher/AES‑256) and all transfer takes place over an encrypted connection (TLS).
7. Security
Access is role‑ and permission‑based, passwords are hashed, optional two‑factor authentication is available for professionals, and a tamper‑evident event log is maintained. Only authorised users can reach borrower ID data.
8. Your rights
You have the right of access, rectification, erasure, restriction, data portability and to object, under the GDPR. Contact dpo@talktoalba.com. You also have the right to lodge a complaint with the Swedish Authority for Privacy Protection (IMY), www.imy.se.
9. Children
The app is intended for professionals and their borrowers by invitation, not for general use by children.
10. Changes
We may update this policy. Material changes are communicated in the app or by email. The date at the top shows the latest version.