Privacy Policy

This Privacy Policy explains how Habio (operated by Habio Ltd) collects, uses, and protects your personal data when you use habio.ai.

1. Who we are

Habio Ltd, a company registered in England and Wales (company number 17420351) with its registered office at Studio 19, 113 Liverpool Road, Liverpool, United Kingdom, L23 5TD, is the data controller for personal data collected through the Service. You can reach us at hello@habio.ai.

2. What we collect

Enquiry details — name, email, phone (optional), message, and the listing you enquired about.
Currency-transfer details — if you ask to hear from our partner MSB (by ticking the box on an enquiry or using our currency-transfer form): your name, email, phone (optional), and the amount, currencies, purpose and timing of the transfer you tell us about.
Search context — the natural-language queries and filters you use, so we can improve matching.
Technical data — IP address, browser, device, and pages viewed, via cookies and standard server logs.

3. How we use it

To pass enquiries to the relevant listing agent or owner so they can respond.
Only if you ask us to (see section 5): to pass your details to MSB so they can contact you about exchanging and transferring money.
To operate, secure, and improve the Service, including AI features such as intent parsing and lifestyle matching.
To produce aggregated, anonymous analytics about how the Service is used.
To comply with our legal obligations.

4. Legal bases (UK GDPR)

We rely on legitimate interests to operate and improve the Service, performance of a contract to handle enquiries you send, and consent for non-essential cookies where required and for sharing your details with MSB (you give this by ticking the unticked-by-default box or submitting the currency-transfer form, and can withdraw it at any time).

5. Sharing

Listing agents and owners — they receive the enquiries you submit to them.
MSB (currency transfer partner) — only if you ask us to. Habio has a referral arrangement with MSB (MSB Foreign Exchange, msb-fx.com) and may receive a fee if you become their customer. If you tick the MSB box on an enquiry or submit the currency-transfer form, we send MSB your name, email, phone (if given), the property you were viewing and your transfer details. We do not send the message you wrote to the agent. MSB then acts as an independent controller of that information under its own privacy notice, and may contact you by email or phone about its service. To stop, tell MSB or email us at hello@habio.ai and we will stop sharing your details and pass your request on. We keep a record of what you agreed to and when.
Service providers — including Supabase (database and auth), Vercel (hosting), and OpenAI (AI features). They process data on our behalf under contract.
Legal — where required by law or to protect our rights.

We do not sell your personal data.

6. International transfers

Some of our providers process data outside the UK/EEA. Where they do, we rely on appropriate safeguards such as the UK International Data Transfer Agreement or Standard Contractual Clauses.

7. Retention

We keep enquiry data for as long as needed to handle your enquiry and our records, and technical logs for a limited period for security and debugging. We delete or anonymise data when it is no longer needed.

8. Your rights

Under UK GDPR you can request access to, correction of, or deletion of your personal data, and object to or restrict certain processing. Email hello@habio.aito exercise any of these rights. You can also complain to the UK Information Commissioner’s Office (ico.org.uk).

9. Cookies

We use a small number of essential cookies to operate the Service, and optionally analytics cookies to understand usage. You can control cookies via your browser settings.

10. Changes

We may update this Policy from time to time. We will reflect material changes by updating the “Last updated” date above.