Privacy Policy
Монгол хураангуй
Lendyx Advisor бол санхүүгийн байгууллагуудын (ББСБ, ХЗХ) Facebook хуудсанд ирсэн Messenger мессежид хариу бэлтгэдэг туслах систем юм. Та тухайн байгууллагын хуудсанд мессеж бичихэд бид таны Messenger-ийн хуудасны ID, мессежийн агуулга, огноо цагийг хүлээн авч, тухайн байгууллагын ажилтанд хариу боловсруулахад ашиглана.
Таны мэдээллийг Монгол Улс дахь Lendyx-ийн өөрийн серверт хадгална. Хариуны төслийг боловсруулахад одоогоор гадаадын хэлний загварын үйлчилгээ (Anthropic эсвэл Google) ашиглаж болох бөгөөд илгээхийн өмнө утасны дугаар, регистрийн дугаар, дансны дугаар, Messenger-ийн таних тэмдгийг хасна; тэдгээр үйлчилгээ таны мэдээллээр загвараа сургахыг гэрээгээр хориглоно. Мэдээллийг зарахгүй, зар сурталчилгаанд ашиглахгүй. Мэдээллийг сүүлийн мессежээс хойш 12 сар хүртэл хадгалаад устгана эсвэл хувь хүнийг таних боломжгүй болгоно. Та хүссэн үедээ мэдээллээ устгуулах хүсэлт гаргаж болно: info@lendyx.ai.
Lendyx Advisor зээлийн шийдвэр гаргадаггүй. Зээл олгох, хүү, нөхцөлийн шийдвэрийг зөвхөн тухайн санхүүгийн байгууллага гаргана.
1. Who we are
Lendyx Advisor ("the Service") is operated by LENDYX CREDIT LLC ("Lendyx", "we"), a company registered in Ulaanbaatar, Mongolia. Contact: info@lendyx.ai.
The Service is a support assistant for financial institutions (non-bank financial institutions and savings and credit cooperatives, "Institutions"). An Institution connects its Facebook Page to the Service; the Service then helps the Institution's staff answer messages that customers send to that Page through Messenger.
2. Roles
For messages sent to an Institution's Page, the Institution decides why and how customer data is used and is the data controller. Lendyx processes that data on the Institution's behalf and under its instructions, as a data processor. For data about the Institution's own staff and administrators, and for the operation of the Service itself, Lendyx is the controller.
3. What data we receive
| Source | Data |
|---|---|
| Meta (Messenger Platform), when a person messages a connected Page | Page-scoped user ID (PSID); the name Messenger shows for the sender, where available; message text and attachments sent to the Page; timestamps; the Page ID; delivery and read events. |
| The Institution | Its product descriptions, rules, reply templates and FAQ, which the Service uses to draft replies; the names and Facebook accounts of staff who review replies. |
| Institution staff | Approvals, edits and hand-over decisions made in the review interface. |
We do not ask customers for identity documents, account numbers or payment details through the Service, and Institutions are instructed not to request them in Messenger.
4. How we use it
- To draft replies to customer questions from the Institution's own documents, for a member of the Institution's staff to review, edit, approve or take over. For a limited set of routine support questions, an approved reply may be sent automatically.
- To route conversations to a human when the question is outside the Service's scope.
- To keep a log of conversations so the Institution can supervise the Service and answer customer follow-ups.
- To improve the Service. Corrections made by staff may be used, after names, identifiers and contact details have been removed, to evaluate and train the language models that draft replies.
The Service does not make credit decisions, does not decide loan amounts, rates or approvals, and does not give personalised financial advice. Those decisions are made only by the Institution.
5. Where and how data is processed
Conversation data is stored on servers operated by Lendyx in Mongolia. In the current phase, reply drafts are generated by a third-party language-model service — Anthropic (Claude API) or Google (Gemini API) — acting as our processor under terms that prohibit the provider from using the data to train its models and that limit retention to what is needed to process the request. Before any text is sent to such a service we remove phone numbers, identification and account numbers and the Messenger identifiers, so the provider receives the question text, not who asked it. This involves transferring de-identified text outside Mongolia. Lendyx is building the capacity to run these models on its own infrastructure in Mongolia and will update this policy when that processing moves in-house. Data is transmitted over encrypted connections (HTTPS). Access is limited to Lendyx staff who need it to operate the Service and who are bound by confidentiality obligations.
6. Sharing
- The Institution whose Page you messaged sees the conversation; it is their customer conversation.
- Meta Platforms operates Messenger and independently processes messages under its own terms and privacy policy.
- Language-model service providers — Anthropic PBC or Google LLC — receive de-identified question text to draft replies, as our processors (section 5).
- Authorities, where Mongolian law requires it.
We do not sell personal data and do not use it for advertising.
7. Retention
Conversation logs are kept for up to 12 months from the last message in the conversation, then deleted or de-identified. An Institution may ask us to delete its conversation data earlier, and any person may request deletion of their data at any time (section 9). De-identified training examples do not contain names, identifiers or contact details and may be kept longer.
8. Meta Platform data
Data received from Meta is used only to provide the Service to the connected Page, in line with Meta's Platform Terms and Developer Policies. An Institution can disconnect its Page from the Service at any time in its Facebook settings; after disconnection we stop receiving messages for that Page.
9. Your rights
You may ask which data about you we hold, ask for it to be corrected, or ask for it to be deleted. Write to info@lendyx.ai or follow the steps on our data deletion page. We answer within 30 days. Where the data belongs to an Institution's conversation, we may forward the request to that Institution or ask it to confirm.
10. Children
The Service is intended for adults dealing with financial institutions and is not directed at people under 18.
11. Changes
When this policy changes we publish the new version on this page with a new effective date.
12. Law and contact
This policy is governed by the laws of Mongolia, including the Law on Personal Data Protection. Questions and requests: LENDYX CREDIT LLC, Ulaanbaatar, Mongolia — info@lendyx.ai.