1. Definitions
- "Harmix" (also "We," "Us," or "Our") means Harmix Inc., a company registered under the laws of the State of Delaware, registration number 7127751, with its address at 300 Delaware Ave, Ste 210 #615, Wilmington, DE 19801, USA.
- "Harmix Platform" means Our website, available at harmix.ai and web.harmix.ai (also the "Website"), Our mobile application, available for download from the Google Play Store and the Apple App Store (also the "App"), Our ChatBot, and any in-application extension (plugin), together with each product made available through any of the foregoing.
- "Shieldy" (also the "Service") means the bill-negotiation service that is a product of Harmix, made available to Users at tryshieldy.io and forming part of the Harmix Platform and the Harmix A.I. services.
- "Harmix A.I. services" means the services provided by Harmix that are available on the Harmix Platform, including Shieldy.
- "User" (also "You" or "Your") means any natural person who uses the Harmix Platform.
- "Account" means a User's personal page on the Website or in the App.
2. Introduction
This Privacy Policy describes how We collect, use, disclose, and retain personal information in connection with Shieldy. By accessing or using the Service, You acknowledge that You have read and understood this Privacy Policy. If You do not agree to its terms, You should not use the Service.
3. Information We Collect
3.1 Account Information. When You register for an Account, We collect Your email address, an optional name, and, if You elect to authenticate with a password rather than a one-time email link, a password. Your password is stored as a cryptographic hash and is never retained in plain text.
3.2 Identity Verification Information. A provider will typically decline to discuss an account until it can confirm the identity of the person calling. To satisfy that requirement, We may collect Your mailing address, Your telephone number, and the last four digits of a Social Security number. This information is encrypted at rest, is excluded from any information transmitted to Our artificial intelligence model, and is displayed to You only in truncated form.
3.3 Case Information. When You open a case, We collect the bill or other document You submit, the amount You are currently being charged, the amount You wish to pay, the ceiling amount above which Shieldy is not authorized to settle, and any term You designate as non-negotiable.
3.4 Communications Information. In the course of negotiating on Your behalf, We collect and retain every message exchanged, every call recording and its corresponding transcript, every offer extended or declined, and every item of correspondence sent or received through the case's dedicated email address. This information constitutes the evidentiary record on which the Service depends and is retained in full, without summarization or sampling.
3.5 Payment Information. Payment is processed by Stripe, Inc. on its own systems. We do not collect, transmit, or store Your payment card number.
3.6 Site Usage Information. Prior to Account creation, Our website may collect standard analytics information, including device and browsing data, through Google Tag Manager and DataFast. This information is not associated with any case.
4. How We Use Information
We use the information described in Section 3 to: (a) perform the Service, including reading bills and communicating with providers on Your behalf; (b) establish and preserve a verifiable record of each negotiation, including for the purpose of evaluating a claim under the guarantee described in Our Terms and Conditions; (c) process payment and administer Your Account; and (d) communicate with You regarding a case, a renewal, or Your Account.
5. Disclosure of Information
We disclose personal information to the following categories of recipients, and to no others.
- The provider that is the counterparty to a negotiation necessarily receives the information required to conduct that negotiation, on every call and in every message.
- Twilio, Inc., which places and records telephone calls on Our behalf.
- Anthropic, PBC, whose language model reads case materials and drafts communications. The information described in Section 3.2 is encrypted and is not included in any information provided to this model.
- Stripe, Inc., for payment processing.
- Our email service provider, for the sending and receipt of case correspondence.
We do not sell personal information, and We do not disclose personal information for the advertising purposes of any third party.
6. Data Retention
We retain case information, including bills, recordings, transcripts, and offers, for so long as Your Account remains open, and for a period thereafter sufficient to evaluate a claim under the guarantee. We retain encrypted identity verification information until You request its deletion or close Your Account. Upon closure of Your Account, We delete information that We are not otherwise required to retain for accounting or legal purposes.
7. Your Rights
You may request access to, correction of, or deletion of Your personal information by contacting Us at vitalii@tryshieldy.io. Such requests are presently fulfilled manually, rather than through a self-service tool, and are ordinarily addressed within one business day. Depending on Your jurisdiction, certain of these requests may constitute a legal right under applicable law, including the General Data Protection Regulation and the California Consumer Privacy Act, rather than a matter of discretion; We will respond to the request in either case.
8. Security
We employ industry-standard safeguards, including per-value encryption of sensitive fields at rest. Payment card numbers are never transmitted to or stored on Our systems. Access to encrypted case information by Our personnel constitutes a deliberate, logged action, and is not the incidental result of an ordinary database query.
9. Children's Privacy
The Service is not directed to, and may not be used by, individuals under the age of eighteen. We do not knowingly collect personal information from a minor.
10. Changes to This Policy
We may amend this Privacy Policy from time to time. Any amendment will be reflected in the effective date set forth above, and We will notify You by email of any amendment We consider material.
11. Contact
Questions regarding this Privacy Policy may be directed to vitalii@tryshieldy.io.