Privacy Policy

Last updated: June 14, 2026

Owo ("we," "our," or "us") operates the Owo WhatsApp bot and the website at owo.p3consultingltd.com. This policy explains what data we collect, how we use it, and your rights.

1. What we collect

When you use Owo via WhatsApp, we collect:

• Phone number — your WhatsApp number, used to identify your account and send responses.
• Messages — the text and voice messages you send, which we process to record your sales and expenses.
• Business information — your name, business type, and market location if you provide them during onboarding.
• Transaction data — sales amounts, item names, quantities, prices, expense records, and cost prices.

2. How we use your data

• To record, calculate, and report your daily and weekly sales and expenses.
• To calculate profit margins and generate business insights.
• To build a Business Identity Score that may be shared with partner lenders and insurers (only with your consent).
• To improve our AI parsing and service quality.

3. Data sharing

We do not sell your data. We may share anonymised or aggregated data for research purposes. If you opt into lender partnerships, we share your Business Identity Score and verified transaction history with the specific partner you choose — nothing more.

4. Data protection

All data is transmitted over encrypted connections (TLS). Messages are stored in a secure database with restricted access. Voice notes are transcribed and deleted from our servers after processing.

5. Data retention

We retain your transaction data for as long as your account is active. You may request deletion of your data at any time by contacting us. After account closure, data is anonymised within 90 days.

6. Your rights

• Access — request a copy of your data.
• Correction — ask us to fix inaccurate information.
• Deletion — request deletion of your data.
• Opt-out — decline lender data sharing without losing core bot functionality.

7. Third-party services

Owo uses Google Gemini AI for message parsing and Groq Whisper for voice transcription. These services process your messages under their own privacy policies. We do not send raw message content to any other third party.

8. Changes to this policy

We may update this policy. Changes will be posted here, and if they are material, we will notify you via WhatsApp.

9. Contact

Owo — P3 Consulting Ltd.
support@owo.p3consultingltd.com