12. EXTERNAL PROCESSORS AND SERVICE PROVIDERS

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We engage service providers and sub processors to help run the Services. These may include cloud hosting providers, customer-support tools, analytics vendors, payment processors, communication vendors, and AI inference providers. Based on the current product architecture, relevant providers may include Amazon Web Services for cloud infrastructure hosted in India, Microsoft Clarity and other analytics providers for product usage analytics and service improvement, and Groq and OpenAI for certain AI-powered functionality.

We require service providers to process data only for authorized purposes, under confidentiality and security obligations, and in a manner consistent with applicable law and our contracts with them.

Google user data may be processed by Nance’s infrastructure and service providers where necessary to provide the financial functionality described in this Privacy Policy.

Nance’s application infrastructure may process Google-derived data through Amazon Web Services (AWS). Nance may also use third-party AI service providers, including Groq and Fireworks, to process email information where necessary to provide features such as financial information extraction, transaction identification, transaction categorization, or related financial functionality.

These providers process Google-derived data only for the purposes necessary to provide the relevant Nance functionality and subject to applicable privacy, security, and confidentiality requirements.

Nance does not transfer Google user data to advertising platforms, data brokers, information resellers, or other third parties for unrelated purposes.

Nance does not permit Google user data to be used to train, develop, or improve generalized, foundational, or non-personalized AI or machine learning models.

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