Privacy Policy

Welcome to Blliy, an AI-powered business assistant and accounting platform operated by Wolk Inc.

This Privacy Policy explains how Wolk Inc. ("Wolk Inc.", "we", "us", or "our") collects, uses, stores, protects, and shares information when you use the Blliy website, mobile application, software, APIs, and related services (collectively, the "Services").

By accessing or using Blliy, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

We may collect different types of information depending on how you use Blliy.

1.1 Account Information

When you create or manage a Blliy account, we may collect:

• Full name
• Business or company name
• Email address
• Phone number
• Business address
• Country and state
• Login credentials
• Profile information
• Account preferences

1.2 Business and Accounting Information

Blliy provides accounting and business-management functionality. You may choose to provide:

• Customer information
• Supplier and vendor information
• Invoices and bills
• Sales records
• Purchase records
• Expense records
• Payment and transaction records
• Tax-related information
• GST and business registration information
• Bank or financial account information
• Product and inventory information
• Employee or payroll-related information
• Accounting entries and ledgers
• Financial reports
• Other business records entered into Blliy

You are responsible for ensuring that you have the necessary rights and permissions to provide information relating to other individuals or businesses.

1.3 Information Collected Automatically

When you access Blliy, we may automatically collect certain technical and usage information, including:

• IP address
• Browser type and version
• Device type
• Operating system
• Login and access times
• Pages and features used
• Application activity
• Error and diagnostic information
• Cookies and similar technologies

1.4 Information Provided to AI Features

If you use Blliy's AI-powered features, information that you submit to those features may be processed to provide AI-generated responses, summaries, recommendations, reports, classifications, automation, or other outputs.

Depending on the feature you use, this information may include business, accounting, financial, invoice, customer, inventory, or other information that you choose to provide.

2. How We Use Your Information

Wolk Inc. may use information collected through Blliy to:

• Provide and operate Blliy
• Create and manage user accounts
• Process invoices, bills, expenses, and accounting records
• Generate financial and business reports
• Provide AI-powered business assistance
• Automate accounting and business workflows
• Provide customer support
• Process subscriptions and payments
• Improve the Blliy Services
• Detect and prevent fraud, abuse, and unauthorized access
• Maintain security and reliability
• Send important service-related communications
• Comply with applicable laws and regulations

3. AI and Machine Learning

Blliy uses artificial intelligence and machine-learning technologies to provide certain features, which may include:

• Business insights
• Accounting assistance
• Invoice and bill analysis
• Expense categorization
• Financial summaries
• Data extraction
• Business recommendations
• Automated responses
• Report generation
• Workflow automation

Blliy is a software platform and is not a substitute for a qualified accountant, tax professional, financial adviser, lawyer, or other professional adviser.

4. How We Share Information

Wolk Inc. does not sell your personal information or confidential business information.

We may share information in limited circumstances described below.

4.1 Service Providers

We may work with trusted third-party service providers that help us operate Blliy, including providers for:

• Cloud hosting
• Data storage
• Payment processing
• Email and communications
• Analytics
• Security
• Customer support
• AI and machine-learning infrastructure

These providers may process information only as necessary to provide services to Wolk Inc. and subject to appropriate contractual and security requirements.

4.2 Legal Requirements

We may disclose information where reasonably necessary to:

• Comply with applicable laws or regulations
• Respond to lawful government requests
• Protect our rights or property
• Investigate fraud or security incidents
• Protect users or the public
• Enforce our Terms of Service

4.3 Business Transfers

If Wolk Inc. is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar transaction, information may be transferred as part of that transaction, subject to applicable law.

5. Financial and Accounting Data

We recognize that accounting and financial information can be highly sensitive.

Wolk Inc. uses reasonable technical, organizational, and administrative safeguards designed to protect business and accounting information from unauthorized access, alteration, disclosure, or destruction.

However, no internet-based service can guarantee absolute security.

Users should maintain appropriate backups of important business and accounting records.

6. Payment Information

Payments for Blliy may be processed through third-party payment providers.

Where applicable, payment-card information may be handled directly by the payment provider rather than stored by Blliy.

The use of payment information by third-party payment providers is governed by their respective privacy policies and terms.

7. Cookies and Similar Technologies

Blliy may use cookies and similar technologies to:

• Keep users signed in
• Remember preferences
• Understand how the Services are used
• Improve performance
• Maintain security
• Analyze usage
• Provide relevant functionality

You may be able to control cookies through your browser settings. Disabling certain cookies may affect some functionality of Blliy.

8. Data Retention

We retain information for as long as reasonably necessary to:

• Provide the Services
• Maintain your account
• Meet contractual obligations
• Comply with legal and regulatory requirements
• Resolve disputes
• Prevent fraud and abuse
• Maintain appropriate business records

When information is no longer required, we may delete, anonymize, or securely dispose of it, subject to applicable legal requirements.

9. Data Security

Blliy uses reasonable security measures designed to protect user information. These measures may include:

• Encryption in transit
• Access controls
• Authentication mechanisms
• Security monitoring and logging
• Secure infrastructure
• Security testing
• Backup and recovery procedures

Access to confidential business information is limited to authorized personnel and systems where reasonably necessary.

Despite these measures, no system or method of transmission over the internet is completely secure.

10. Your Privacy Rights

Depending on your location and applicable law, you may have certain rights regarding your personal information, including:

• Accessing your personal information
• Requesting correction of inaccurate information
• Requesting deletion of certain information
• Requesting restriction of certain processing
• Withdrawing consent where processing is based on consent
• Requesting a copy of certain information
• Objecting to certain processing
• Closing your account

To exercise applicable rights, contact us using the contact information provided below. We may need to verify your identity before processing certain requests.

11. Business Customer Data

If you use Blliy on behalf of a company, organization, or another business, you may be responsible for determining:

• What information is entered into Blliy
• The legal basis for processing such information
• Providing appropriate privacy notices
• Obtaining required permissions or consents

Where applicable, Wolk Inc. may process such information on behalf of the business customer.

12. Children's Privacy

Blliy is intended for businesses and is not directed toward children.

We do not knowingly collect personal information from children where such collection is prohibited by applicable law.

If you believe that a child has provided personal information to us, please contact us so that we can investigate and take appropriate action.

13. International Data Transfers

Depending on where our infrastructure, service providers, or users are located, information may be processed or stored in countries other than the country in which you live.

Where required by applicable law, Wolk Inc. will implement appropriate safeguards for international transfers of personal information.

14. Third-Party Services and Links

Blliy may integrate with or provide links to third-party services, including payment platforms, banking services, tax services, cloud-storage providers, or other business applications.

Wolk Inc. is not responsible for the privacy practices of third-party services.

We encourage you to review the privacy policies of those services before providing information to them.

15. Changes to This Privacy Policy

Wolk Inc. may update this Privacy Policy from time to time to reflect changes in:

• Our Services
• Technology
• Business practices
• Legal or regulatory requirements

When we make material changes, we may provide notice through Blliy, by email, or through other appropriate methods.

The "Last Updated" date at the top of this Privacy Policy indicates when it was most recently revised.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact Wolk Inc.

17. Important Notice

Blliy provides software and AI-powered tools for business and accounting purposes. Information generated by Blliy's AI features should be reviewed before being used for accounting, taxation, financial, legal, or other important business decisions.

This Privacy Policy is intended as a general privacy-policy framework and should be reviewed and customized by qualified legal counsel before publication, particularly to ensure compliance with applicable privacy and data-protection laws in the countries where Wolk Inc. operates or where Blliy users are located.