Privacy Policy

Effective Date: January 7, 2026 · Last updated: October 26, 2026

YB Technologies Private Limited ("Armor") is committed to protecting your privacy. This Privacy Policy ("Policy") describes how Armor collects, uses, discloses, and otherwise processes information about you in connection with our business, including the provision of our website at https://yourarmor.ai/ and the Armor Services.

We understand and respect your privacy, and we are committed to protecting it. In order to provide transparency and clarity on how we collect and use your information, we have created this notice which outlines our online information practices and your options for providing and managing that information.

By using our Website/app and signing up for the Armor Services, you consent to the processing, storage, usage, and sharing of the data provided by you pursuant to the terms of this Policy. If you do not agree with any part of this Policy, please stop using our services immediately.

1. Collection and Usage of Personal Data

We collect information to provide a seamless financial planning experience:

  • Direct Information: Name, email, phone number, address, gender, date of birth, and registration details.
  • Financial & KYC Data: We collect information required by SEBI-registered intermediaries, including PAN, Aadhaar (for identity/address proof), bank account information, investment portfolio data, and salary details.
  • Usage Data: IP address, browser type, mobile operating system, geolocation, time spent on our platform, and how you use our website and app, such as the pages and screens you view and the buttons you tap.
  • Cookies and App Identifiers: Our website sets a cookie holding a random identifier, kept for up to 400 days, and the Armor app creates a random identifier on your device. They let us recognise the same browser or device on later visits and, once you sign in, link your earlier website and app activity to your account.
  • App Install Information: When you install the Armor app, we record how you found it and your device model, operating system and app version. On Android, this includes the ad, campaign or link that led to the install, as recorded by the Google Play Store or by the Facebook and Instagram apps, and your device’s advertising ID unless you have deleted or reset it. On iPhone, if you came from our website’s download page, the app reads a link that page copied for you, once, at its first launch, only if your iPhone allows it, and then clears it. On iPhone, we collect Apple’s advertising identifier (IDFA) only if you allow tracking when the app asks.
  • Conversations with Armor's AI advisor: What you type or say to the advisor in the app or on WhatsApp, including voice messages, live voice calls and the files you attach, together with the advisor's answers.
  • Office Visitors & Applicants: CCTV footage for security and Personal Data volunteered during office visits or job applications.

2. Purposes of Processing

We process your Personal Data for the following:

  • Providing Armor Services: Account opening, KYC verification, and authorization of transactions.
  • Financial Freedom Planning: Using your income and portfolio data to calculate your financial freedom milestones.
  • AI Advisor: Answering your questions in the app and on WhatsApp using the financial details you have added to Armor. In the app, we ask for your permission before your first question is sent to our AI service providers.
  • Security & Improvement: To administer our website, analyze trends, and verify activity to promote platform security.
  • Personalized Interactions: Displaying tailored content and advertisements based on your interests and activity.
  • Measuring Our Advertising: To learn which ads and campaigns bring people to Armor, and to tell the advertising platforms we use which of their ads led to an app install, a sign-up, a completed account setup or a first order, so they can measure and improve our campaigns.
  • Communication: Sending marketing newsletters, product recommendations, and support responses (subject to your consent).
  • In addition of the services we provide to you, we may also use your personal information such as your mobile number and email address to send you newsletters, surveys, contest information, or updates on any new services that we believe may be beneficial to you. By subscribing to our services, you agree to allow Yb Technologies Private Limited to use your personal information for these purposes.
  • By submitting the 'Inquiry form' on this website or through any other means, including social media, you are providing your consent to allow us to contact you via phone call, SMS, or WhatsApp on the number provided by you. Even if your mobile number is registered on the National 'Do Not Disturb' registry, you agree to receive communication from us. We appreciate your trust in us and assure you that we will always respect your privacy.

3. Data Sharing

We may share your Personal Data with:

  • Regulated Intermediaries: SEBI-registered investment advisors and other entities required to fulfill your financial requests.
  • Service Providers: Third parties providing IT hosting, research, marketing, fraud prevention, and payment processing.
  • AI Service Providers: When you use the AI advisor, we send the following providers only what each needs to deliver that feature:
    • Anthropic (Claude): your questions, the files you attach and the financial details needed to prepare the answer.
    • Deepgram: your voice messages, to turn them into text.
    • Cartesia: the advisor's answers to your voice messages, to turn them into speech.
    • OpenAI: the audio of live voice calls, to turn your speech into text and speak the answers.
  • Messaging Providers: Twilio and WhatsApp (Meta) carry the messages and voice notes you exchange with Armor on WhatsApp.
  • Advertising Platforms (Meta and Google): When you install the app, we tell them about the install and, later, whether you signed up, finished setting up your account and placed your first order. With these we send a random app identifier, your IP address, device and app details, the ad details recorded at install, and a device advertising identifier where one may be shared: on Android your advertising ID, unless you have deleted or reset it; on iPhone your IDFA, only if you allowed tracking. On iPhone, the app also includes Meta’s and Google’s measurement software, which records the install and app opens for their ad measurement. If you choose “Ask App Not to Track”, no device identifier is shared with them. We never send advertising platforms your name, phone number, email address or financial information.
  • Analytics and Monitoring Providers: PostHog (product analytics) receives the usage data and identifiers described above, linked to your account identifier once you sign in. Datadog (performance and error monitoring) receives technical data about the app and website, with your account identifier and name, so we can find and fix problems. We do not send them your PAN, Aadhaar, bank or portfolio details.
  • Legal & Professional Advisers: Lawyers, auditors, or law enforcement agencies when required by law or to protect our legal rights.
  • Group Companies: Internal entities for customer support, technical operations, and account management.
  • Please note that you may receive calls related to service promotions, contests, and pools organized by us. Your information, whether public or private, will be held with us only. However, it may be transferred or given to our regulatory authorities and their related organizations, as well as any organizations or individuals with whom we have an interest for any reason, without your consent.

4. Data Security & Storage

  • Security: We use industry-standard technical measures (digital encryption and access controls) to protect your data from unauthorized access or loss.
  • Protecting your privacy and data is extremely important to us. We take measures to ensure the security and confidentiality of any information shared with us. We will only use personally identifiable information for the purposes to which you have consented. However, we cannot guarantee the security of your information 100%, despite our efforts to protect it. Any information you transmit to us through our online services is done at your own risk.
  • Location: Your account and financial records are stored in data centers located inside India. When you use the AI advisor, the content described under AI Service Providers is processed by those providers on servers that may be located outside India. Other non-sensitive data may be stored on servers outside India only where legally permitted. The analytics, monitoring and advertising providers described under Data Sharing may also process data on servers outside India.

5. Retention & Your Rights

  • Retention: We retain data as long as required for business obligations or as prescribed by regulatory bodies like RBI and SEBI.
  • Conversations: Your advisor conversations, including transcripts of calls and voice messages and the audio of voice messages and spoken replies, are kept in your conversation history. Armor does not store the audio of live voice calls.
  • Your Rights: You have the right to review, manage, or withdraw consent; access or rectify your data; and request deletion (unless retention is legally required). Note that deleting mandatory data may result in the suspension of Armor Services.
  • Your Choices About Analytics and Advertising: You can delete our website cookie in your browser settings; delete or reset your Android advertising ID in your phone’s settings; and on iPhone, decline when Armor asks to track you or change it later in Settings → Privacy & Security → Tracking, and decline when your iPhone asks whether Armor may paste from your clipboard. You can also ask us to stop using your activity for analytics or advertising, or to delete it, by writing to [email protected].

6. Grievances

If you have concerns regarding your privacy or this Policy, please contact our Grievance Redressal Officer:

Email: [email protected]