Legal & Compliance

Privacy, Data & AI Policy

Your data. Your control. Transparent AI processing.

📅 Effective: 25 September 2026🔄 Last updated: 25 September 2026

Introduction

Zappio, operated by CODIQUBE TECHNOLOGIES (OPC) PRIVATE LIMITED ("Zappio", "we", "us", or "our"), provides AI-powered calling, messaging, lead qualification, CRM automation and related business communication services.

This Privacy, Data & AI Policy explains what information Zappio processes, how that information is used, how it is protected, how artificial intelligence interacts with the information, and what choices customers have regarding their data.

This Policy applies to customers, authorised users, and individuals whose information is processed through the Zappio platform on behalf of a customer.

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By activating or using Zappio, the customer acknowledges and accepts this Policy together with the applicable Zappio Terms & Conditions, Service Agreement, Order Form and, where applicable, Data Processing Agreement ("DPA").

1. Scope of This Policy

This Policy covers information processed through:

  • the Zappio website;
  • the Zappio dashboard and platform;
  • AI voice calling services;
  • WhatsApp and other messaging automation;
  • CRM and lead-source integrations;
  • customer-uploaded databases;
  • AI agents and voicebots;
  • lead qualification and follow-up workflows; and
  • other services provided by Zappio.

This Policy primarily addresses how Zappio processes data in connection with the Services.

Specific contractual obligations, commercial terms, customer responsibilities, acceptable-use requirements, payment terms, liability, indemnification, suspension and termination rights are governed separately by the Zappio Terms & Conditions and applicable Service Agreement.

2. Information We Process

Depending on how the customer uses Zappio, we may process the following categories of information.

2.1 Account and Organisation Information

This may include:

  • name;
  • email address;
  • phone number;
  • organisation name;
  • billing information;
  • account credentials;
  • onboarding information;
  • user roles and permissions; and
  • communications with Zappio.

2.2 Customer-Uploaded Lead and Contact Data

Customers may upload or connect lead information to Zappio for calling, messaging, qualification and follow-up.

This may include:

  • names;
  • phone numbers;
  • email addresses;
  • property or business information;
  • lead source information;
  • location;
  • budget;
  • preferences;
  • qualification fields;
  • CRM information; and
  • other information supplied by the customer.
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Customer-uploaded lead and contact information is protected using application-level encryption and access controls designed to prevent ordinary Zappio personnel from viewing the underlying contact details.

Zappio's application and authorised technical systems may nevertheless process such information where necessary to provide the Services.

2.3 Call and Voice Data

When Zappio places or manages AI-assisted calls, we may process:

  • call audio and recordings;
  • call transcripts;
  • call duration;
  • timestamps;
  • call status;
  • conversation content;
  • AI-generated summaries;
  • intent signals;
  • qualification information;
  • objections;
  • conversation outcomes;
  • lead scores; and
  • other information generated during the interaction.

2.4 WhatsApp and Messaging Data

Depending on the customer's configuration, Zappio may process:

  • WhatsApp messages;
  • message content;
  • message status;
  • delivery information;
  • message templates;
  • recipient identifiers;
  • campaign information;
  • follow-up history; and
  • AI-generated responses.

2.5 CRM and Integration Data

When a customer connects Zappio with another platform, we may process information necessary to perform the requested integration.

This may include information from:

  • CRMs;
  • lead portals;
  • marketing platforms;
  • communication platforms;
  • spreadsheets;
  • APIs;
  • webhooks; and
  • other systems connected by the customer.

2.6 Platform and Technical Information

We may collect:

  • login activity;
  • IP address;
  • browser and device information;
  • API logs;
  • system logs;
  • error information;
  • feature usage;
  • campaign activity;
  • security events; and
  • other technical information required to operate and secure the platform.

2.7 Billing and Payment Information

Payments may be processed through third-party payment providers.

Zappio does not intentionally store raw payment-card information where payment processing is handled directly by the applicable payment provider.

3. How We Use Information

Zappio may use information for the following purposes.

3.1 Service Delivery

We process data to:

  • place AI-assisted calls;
  • process conversations;
  • generate transcripts;
  • generate summaries;
  • qualify leads;
  • identify intent;
  • send WhatsApp messages;
  • manage follow-ups;
  • update CRM records;
  • provide dashboards and reports;
  • execute configured workflows;
  • provide customer support; and
  • operate the Zappio platform.

3.2 AI Training, Testing and Improvement

Zappio may use information generated through the Services to:

  • train AI models;
  • test AI models;
  • evaluate AI models;
  • improve speech recognition;
  • improve transcription;
  • improve conversational quality;
  • improve multilingual conversations;
  • improve lead qualification;
  • improve intent detection;
  • improve objection handling;
  • improve prompts;
  • improve AI agent behaviour;
  • evaluate AI providers;
  • identify errors;
  • conduct quality assurance;
  • test new AI capabilities;
  • improve workflows; and
  • conduct internal research.
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AI training and improvement is enabled by default unless the customer has exercised an applicable opt-out.

3.3 Security and Fraud Prevention

Zappio may process information to:

  • detect abuse;
  • detect fraud;
  • investigate security incidents;
  • protect the platform;
  • prevent unauthorised access;
  • enforce platform restrictions; and
  • comply with applicable legal requirements.

3.4 Product and Platform Improvement

Zappio may analyse usage patterns, system performance and interaction data to improve:

  • reliability;
  • latency;
  • call quality;
  • messaging performance;
  • AI performance;
  • user experience;
  • platform functionality; and
  • operational efficiency.

3.5 Legal and Regulatory Compliance

Zappio may process and retain information where necessary to comply with applicable laws, regulations, legal processes, governmental requests or lawful orders.

4. AI Training and Model Improvement

AI training and improvement is a fundamental component of Zappio's product development.

4.1 Default AI Training Permission

Unless the customer opts out, Zappio may use relevant customer-generated data for AI training, testing, evaluation and improvement.

This may include:

  • recordings;
  • transcripts;
  • conversation patterns;
  • interaction data;
  • qualification outcomes;
  • AI-generated summaries;
  • prompts;
  • instructions;
  • workflow information;
  • model evaluation data; and
  • other information reasonably necessary for improving Zappio's AI systems.

4.2 Cross-Customer AI Improvement

Zappio may use learning derived from one customer's use of the platform to improve Zappio's general AI capabilities and services made available to other customers.

For example, learning from conversation patterns, language usage, objection handling and qualification behaviour may contribute to improvements in Zappio's general AI systems.

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Zappio will not intentionally disclose one customer's identifiable leads, contact details, recordings, transcripts, CRM records or confidential business information to another customer.

4.3 Customer-Specific Improvements

Where Zappio provides customer-specific AI configuration, Zappio may use customer data to maintain, evaluate and improve that customer's AI configuration and workflows.

Such customer-specific configuration does not prevent Zappio from independently improving its general platform and AI capabilities.

4.4 Aggregated and Anonymised Information

Zappio may create aggregated, anonymised or otherwise de-identified information from data processed through the Services.

Information that no longer reasonably identifies a customer or individual may be retained and used indefinitely for:

  • AI research;
  • statistical analysis;
  • product improvement;
  • benchmarking;
  • service development;
  • model evaluation; and
  • other legitimate business purposes.

4.5 Previously Trained Models

If customer data has already been incorporated into:

  • trained models;
  • model weights;
  • statistical parameters;
  • evaluation datasets;
  • system improvements; or
  • other technical artifacts,

an opt-out or subsequent deletion request does not automatically require Zappio to reverse or remove those technical improvements where doing so is technically impracticable.

5. AI Training Opt-Out

AI training and model improvement is enabled by default.

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A customer may request an opt-out by contacting: connect@zappio.in

Once an opt-out becomes effective:

  • newly generated customer data will not be intentionally used for future AI training and improvement covered by the opt-out;
  • the data will continue to be processed as necessary to provide the Services;
  • existing service functionality will continue;
  • data already incorporated into models or technical improvements will not necessarily be removed; and
  • anonymised or aggregated information that no longer identifies the customer or an individual may continue to be retained and used.

For enterprise customers, the applicable AI training preference may additionally be documented in the Service Agreement or DPA.

6. Human Review and Quality Assurance

Zappio may allow authorised members of its technical, engineering, support or quality assurance teams to access customer data, including call recordings, transcripts and conversation data, when reasonably necessary for:

  • debugging technical issues;
  • investigating service failures;
  • evaluating AI performance;
  • improving conversation quality;
  • testing and validating AI models;
  • investigating customer-reported issues;
  • monitoring system accuracy and reliability;
  • preventing fraud, abuse or security incidents; and
  • maintaining and improving the Zappio platform.

Zappio personnel do not routinely monitor customer calls in real time.

Where human review of recorded calls or conversation data is required, access is limited to authorised personnel and is subject to appropriate confidentiality and access-control requirements.

Customer lead/contact information is protected separately through application-level encryption and access controls designed to prevent ordinary Zappio employees from viewing the underlying contact details.

7. Data Ownership

7.1 Customer Data

The customer retains its rights and ownership in data supplied by the customer or processed by Zappio on the customer's behalf, subject to the rights granted to Zappio under the applicable agreements and this Policy.

Customer data may include:

  • lead databases;
  • contact information;
  • CRM information;
  • call recordings;
  • transcripts;
  • WhatsApp conversations;
  • campaign information;
  • qualification information;
  • customer-provided scripts;
  • customer-provided instructions; and
  • other customer-provided business information.

7.2 Zappio Intellectual Property

Nothing in this Policy transfers ownership of:

  • Zappio software;
  • source code;
  • platform architecture;
  • AI systems;
  • models;
  • algorithms;
  • proprietary workflows;
  • system prompts developed by Zappio;
  • technical methods;
  • know-how;
  • aggregated insights; or
  • other Zappio intellectual property.

7.3 AI Improvements

Zappio retains the right to use aggregated, anonymised and otherwise permitted learnings and technical improvements generated through operation of the platform.

8. Customer Responsibilities

Customers are responsible for ensuring that they have the necessary rights, permissions, notices and lawful basis to provide personal data to Zappio and instruct Zappio to process it.

Customers are responsible for:

  • the legality of their lead databases;
  • the accuracy of information provided to Zappio;
  • obtaining required permissions or consents;
  • complying with applicable telecommunication requirements;
  • complying with messaging-platform requirements;
  • the content of AI scripts;
  • campaign instructions;
  • offers and promotional claims;
  • pricing and commercial claims;
  • qualification criteria;
  • customer communications; and
  • the lawful use of the Zappio platform.
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Customers must not use Zappio to conduct unlawful, fraudulent, deceptive, abusive or prohibited activities.

9. Third-Party Service Providers

Zappio uses third-party infrastructure and technology providers to operate the Services.

These may include providers for:

  • telephony;
  • cloud infrastructure;
  • AI processing;
  • speech-to-text;
  • text-to-speech;
  • messaging;
  • WhatsApp;
  • payment processing;
  • analytics;
  • monitoring;
  • security; and
  • other technical services.

Depending on the service, providers may include or change over time from providers such as:

  • Plivo;
  • Exotel;
  • Tata Tele;
  • Google Cloud;
  • Google Gemini;
  • Sarvam AI;
  • ElevenLabs;
  • OpenAI;
  • Meta / WhatsApp Business Platform; and
  • other technology providers.

Zappio may update or replace providers where reasonably necessary to operate or improve the Services.

9.1 Third-Party AI Processing

Some third-party AI providers may process customer data to provide AI or infrastructure services to Zappio.

Depending on the applicable provider, service, account configuration and provider terms, a third-party provider may use submitted information for its own model improvement or training purposes.

Customers acknowledge that third-party providers operate under their own terms, policies and technical controls.

Zappio will use reasonable commercial efforts to select and manage service providers appropriate for the Services, but Zappio does not control the internal systems or policies of independent third-party providers.

10. Data Storage and Geographic Processing

Zappio's primary application data and customer data infrastructure is hosted on servers located in India.

Zappio currently uses Indian cloud infrastructure for primary storage.

However, certain third-party technology providers used to provide specific Services may process information in jurisdictions outside India.

Accordingly, Zappio does not represent that every item of data transmitted through every third-party service will always remain physically within India.

Where applicable, cross-border processing will be handled in accordance with applicable law and contractual or technical safeguards appropriate to the relevant processing activity.

11. Data Isolation and Access Controls

Zappio uses technical and organisational controls designed to keep customer environments separated.

Customer information is logically isolated between customers.

Zappio employees do not have ordinary access to customer-uploaded contact details where those details are protected by the applicable application-level encryption.

Access to other customer data, including recordings and transcripts, is restricted to authorised personnel and systems where reasonably necessary.

12. Data Retention

Different categories of information are retained for different periods because they serve different operational, legal and AI-related purposes.

12.1 Customer Lead and Contact Data

Following account termination, customer lead/contact data used for calling, messaging and operational workflows will generally be retained for up to 30 days to allow for account closure, export and operational handover.

After the applicable period, such data will be permanently deleted, subject to legal, security, fraud-prevention or other lawful retention requirements.

12.2 Call Recordings and Transcripts

Call recordings and transcripts may be retained after account termination where necessary for:

  • AI training;
  • AI model improvement;
  • quality assurance;
  • testing;
  • security;
  • service improvement;
  • legal compliance; or
  • other purposes described in this Policy.

The retention period for recordings and transcripts may therefore differ from the retention period applicable to customer lead/contact data.

12.3 Aggregated and Anonymised Information

Aggregated or anonymised information that cannot reasonably identify a customer or individual may be retained indefinitely.

12.4 Legal and Regulatory Records

Certain information may be retained for longer periods where required for:

  • tax;
  • accounting;
  • legal claims;
  • dispute resolution;
  • fraud prevention;
  • regulatory requirements; or
  • other legal obligations.

13. Data Deletion

Customers may request deletion of eligible customer data by contacting: connect@zappio.in

Following account termination, customer lead/contact data will generally be deleted after the applicable 30-day transition period.

Deletion does not necessarily require deletion of:

  • anonymised information;
  • aggregated information;
  • information already incorporated into AI models or model improvements;
  • legally required records;
  • security and fraud-prevention records; or
  • information required to establish, exercise or defend legal claims.

Where deletion is legally required and technically feasible, Zappio will process the applicable deletion request in accordance with applicable law.

14. Data Export

Customers can export their available customer data through the Zappio platform.

Depending on the features enabled and the type of data involved, exports may include:

  • lead information;
  • campaign information;
  • call recordings;
  • transcripts;
  • summaries;
  • CRM records;
  • call outcomes; and
  • other customer-generated information.
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Zappio does not charge a separate fee for standard customer data export.

15. Security

Zappio implements technical and organisational security measures designed to protect information against unauthorised access, alteration, disclosure, misuse or destruction.

Measures may include:

  • encryption in transit;
  • encryption at rest;
  • application-level encryption for customer contact data;
  • role-based access controls;
  • authentication controls;
  • restricted administrative access;
  • access logging;
  • monitoring;
  • infrastructure security controls;
  • secure software development practices;
  • vulnerability management;
  • backups and recovery procedures; and
  • vendor security assessments where appropriate.
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No internet-based system can be guaranteed to be completely secure. Zappio therefore cannot guarantee absolute security, but maintains reasonable security measures appropriate to the nature of the Services and data processed.

16. Security Incidents and Data Breaches

If Zappio becomes aware of a confirmed security incident affecting customer data, Zappio will take reasonable steps to:

  • investigate the incident;
  • contain and mitigate the incident;
  • assess the affected systems and data;
  • preserve relevant evidence;
  • cooperate with applicable investigations; and
  • provide relevant information to affected customers where appropriate.

Zappio will notify affected customers without undue delay where required by applicable law or contractual commitments.

Where reasonably practicable, Zappio will provide information concerning the known nature, scope and remediation of the incident.

Nothing in this section limits Zappio's obligation to comply with mandatory regulatory reporting requirements.

Certain cyber incidents may be subject to specific reporting requirements under Indian law, including CERT-In requirements.

17. AI Calling and Telecom Compliance

Zappio provides technology and infrastructure for AI-assisted calling.

Customers remain responsible for ensuring that their calling campaigns comply with applicable laws, regulations, telecom requirements and customer-consent requirements.

This includes responsibility for:

  • lawful lead acquisition;
  • required permissions or consent;
  • appropriate calling purposes;
  • campaign content;
  • applicable DND/NCPR requirements;
  • applicable sender or telemarketer requirements;
  • applicable calling restrictions; and
  • handling opt-outs and customer preferences.

Zappio may provide technical controls intended to assist customers with compliance.

TRAI's commercial-communications framework addresses unsolicited commercial communications and the roles of senders/principal entities and registered telemarketers. Customers should ensure their campaigns satisfy the requirements applicable to their particular communication activity.

18. AI Disclosure and Call Recording

Zappio's Services may involve AI-generated or AI-assisted conversations and call recording.

Customers are responsible for configuring and conducting campaigns in accordance with applicable disclosure, consent and recording requirements.

Zappio may provide or introduce functionality supporting AI disclosures, recording notices and related compliance requirements.

The absence of a particular automated disclosure feature in the platform does not transfer the customer's legal responsibilities to Zappio.

19. WhatsApp and Messaging Compliance

Zappio may provide WhatsApp and other messaging automation through applicable third-party platforms.

Customers are responsible for:

  • obtaining required permissions or consent;
  • using appropriate messaging templates;
  • ensuring messages are lawful and accurate;
  • respecting recipient preferences and opt-outs;
  • avoiding spam and abusive communications;
  • complying with applicable platform policies; and
  • ensuring that their messaging campaigns comply with applicable law.

Zappio may pause, restrict or terminate messaging activity where it reasonably believes that a campaign violates applicable law, third-party platform requirements or Zappio's Terms & Conditions.

Message delivery, messaging limits, account quality ratings and other platform-level restrictions may be determined by third-party messaging providers and are not fully controlled by Zappio.

20. CRM and Lead-Source Integrations

Customers may connect Zappio to third-party CRMs, lead portals or other systems.

When an integration is enabled:

  • information may be transmitted between Zappio and the connected system;
  • the customer controls whether the integration is enabled;
  • the connected platform may independently process information under its own terms and privacy policy; and
  • Zappio is not responsible for the independent processing practices of the connected platform.

Customers should review the privacy and security practices of any third-party platform they connect to Zappio.

21. Customer Campaign Content and AI Output

Zappio may generate:

  • call responses;
  • summaries;
  • lead classifications;
  • qualification results;
  • recommendations;
  • messages;
  • follow-up content; and
  • other AI-generated outputs.
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AI-generated outputs may contain errors, omissions or inaccurate interpretations.

Customers are responsible for reviewing and appropriately using AI-generated outputs, particularly where the outputs involve:

  • financial information;
  • legal information;
  • property information;
  • pricing;
  • product claims;
  • eligibility;
  • offers;
  • representations to customers; or
  • other materially important business information.

Zappio does not independently verify the accuracy or legality of customer-provided campaign instructions, scripts, offers or claims.

22. Suspension and Restriction of Data Processing

Zappio may suspend, restrict or disable access to calling, messaging, AI or other functionality where reasonably necessary to:

  • protect the platform;
  • protect users or third parties;
  • prevent fraud;
  • prevent abuse;
  • investigate security incidents;
  • comply with law;
  • respond to regulatory requirements;
  • prevent prohibited activity;
  • address violations of the Terms & Conditions; or
  • address significant misuse of the Services.

Where appropriate, Zappio may suspend an individual campaign without immediately terminating the customer's entire account.

Serious or repeated violations may result in account termination in accordance with the applicable Terms & Conditions.

23. Cookies and Tracking

Zappio may use cookies and similar technologies for:

  • authentication;
  • security;
  • session management;
  • preferences;
  • analytics;
  • service improvement; and
  • marketing where applicable.

Customers and website visitors may manage certain cookie preferences through available browser or platform controls.

24. Data Subject / Individual Rights

Depending on the applicable law and the individual's relationship with the customer or Zappio, individuals may have rights relating to their personal data.

These may include, where applicable:

  • access;
  • correction;
  • deletion;
  • withdrawal of consent;
  • grievance redressal;
  • nomination; and
  • other rights provided under applicable law.

Where Zappio processes data on behalf of a customer, requests relating to that customer's lead or end-user data may need to be directed through the relevant customer, because the customer determines the purpose and context of that processing.

Zappio will reasonably assist customers with applicable requests where required under the applicable agreement or law.

Requests to Zappio may be sent to: connect@zappio.in

25. Children's Data

Zappio's Services are business-oriented and are not designed to intentionally target children.

Customers must not knowingly upload or use Zappio to process children's personal data where doing so would violate applicable law.

If Zappio becomes aware of unlawful processing involving children's data, it may take appropriate corrective action, including deletion or suspension.

26. Cross-Border Processing

Zappio's primary infrastructure and storage is located in India.

Certain third-party technology providers may process information outside India as part of providing their services.

Where cross-border processing occurs, Zappio will take reasonable steps to ensure that such processing is conducted under applicable contractual, technical and legal safeguards.

Customers acknowledge that third-party providers may independently determine the location of certain processing activities within their infrastructure.

27. Business Transfers and Continuity

If Zappio undergoes a merger, acquisition, restructuring, sale of assets or similar transaction, customer information may be transferred as part of the transaction.

Where required, Zappio will provide appropriate notice.

Any successor entity will remain subject to applicable contractual and legal obligations concerning the information transferred to it.

Zappio may also change infrastructure, technology providers or service providers where reasonably necessary to operate or improve the Services.

28. Data Processing Agreements

Enterprise customers may request or be provided with a separate Data Processing Agreement.

Where a DPA, Service Agreement or Order Form contains specific data-processing obligations that conflict with this Policy, the applicable contractual document will govern to the extent of the conflict.

Enterprise-specific requirements may include:

  • security commitments;
  • subprocessors;
  • AI training preferences;
  • retention periods;
  • deletion procedures;
  • incident response;
  • audit requirements; and
  • other data-processing obligations.

29. Changes to This Policy

Zappio may update this Policy from time to time to reflect:

  • changes to the Services;
  • changes to technology;
  • changes to AI systems;
  • changes to third-party providers;
  • changes to applicable law; or
  • changes to Zappio's data-processing practices.

Material changes may be communicated through the Zappio platform, email or other reasonable means.

The latest version will be made available on the Zappio website.

30. Customer Acknowledgement

As part of onboarding, customers are required to review and acknowledge this Privacy, Data & AI Policy together with the applicable Zappio Terms & Conditions before activating the relevant Services.

By activating or continuing to use the Services, the customer acknowledges that it has reviewed this Policy and understands:

  • what information Zappio processes;
  • how Zappio uses customer data;
  • that AI training and improvement is enabled by default;
  • that Zappio may use customer-generated information to improve its AI systems;
  • that certain third-party providers may process information under their own terms;
  • that some third-party providers may process information outside India;
  • that customer lead/contact information is protected through application-level encryption and access controls;
  • that Zappio personnel may access recordings and transcripts where reasonably necessary for service delivery, support, quality assurance, security or AI improvement;
  • that the customer remains responsible for the legality of its campaigns and communications; and
  • that the customer may request an AI training opt-out by contacting Zappio.

31. Contact and Grievance

For questions regarding this Policy, data processing, deletion, export, AI training preferences or privacy matters, contact:

CODIQUBE TECHNOLOGIES (OPC) PRIVATE LIMITED

Last Updated: 25 September 2026