Mercury
AI Products Detected
Legal Bases for AI
The privacy policy includes a dedicated section titled 'Artificial Intelligence and Machine Learning' which explicitly discusses the use of AI and machine learning technologies.
We use artificial intelligence (“AI”) and machine learning technologies to enhance security, streamline operations, and deliver personalized, efficient services for our customers.
Enhance security
We use artificial intelligence (“AI”) and machine learning technologies to enhance security...
Streamline operations
...streamline operations, and deliver personalized, efficient services for our customers.
Deliver personalized, efficient services
...streamline operations, and deliver personalized, efficient services for our customers.
Verifying documents
We may apply these tools to analyze information we collect for purposes such as verifying documents...
Categorizing businesses and transactions
...categorizing businesses, detecting fraud, supporting customer service, evaluating credit applications, categorizing transactions...
Detecting fraud
...detecting fraud, supporting customer service, evaluating credit applications...
Supporting customer service
...supporting customer service, evaluating credit applications...
Evaluating credit applications (with human oversight)
...evaluating credit applications, categorizing transactions, and other legitimate functions.
Allow users to analyze their financial data
We offer Mercury AI to allow users to analyze their financial data.
AI is used for personalization, content processing (categorizing businesses/transactions), and evaluating credit applications. While credit evaluation is significant, the policy states 'Such decisions always involve appropriate human oversight,' mitigating the risk of fully automated decision-making. The creation of 'inferences' for profiling also contributes to a medium impact.
The policy states that AI and machine learning technologies are used to 'analyze information we collect' for various purposes. Section 2 details that 'Personal Information' is among the information collected. Since machine learning inherently involves training, the analysis of collected personal information by ML technologies implies its use in the ML process, including training.
We use artificial intelligence (“AI”) and machine learning technologies to enhance security, streamline operations, and deliver personalized, efficient services for our customers.
We may apply these tools to analyze information we collect for purposes such as verifying documents, categorizing businesses, detecting fraud, supporting customer service, evaluating credit applications, categorizing transactions, and other legitimate functions.
The policy states that AI tools analyze 'information we collect,' which includes 'Internet or other electronic network activity information' (user interactions). As machine learning requires training, the use of ML technologies to analyze this data implies its use in the ML process, including training.
We use artificial intelligence (“AI”) and machine learning technologies to enhance security, streamline operations, and deliver personalized, efficient services for our customers.
We may apply these tools to analyze information we collect for purposes such as verifying documents, categorizing businesses, detecting fraud, supporting customer service, evaluating credit applications, categorizing transactions, and other legitimate functions.
Internet or other electronic network activity information, such as browser characteristics, device IDs and characteristics, operating system version information, browsing history, cookies, and similar tracking technologies.
While the policy mentions collecting information from 'Publicly Available Sources,' it does not explicitly link this specific type of data to AI analysis or training. The AI section refers generally to 'information we collect' without specifying public content as a source for AI processing.
The policy details data disclosure to various third parties and mentions sharing aggregated/anonymized data, but it does not state that personal data is shared with third parties specifically for AI training.
Mercury collects a broad range of sensitive personal data, including financial and biometric information, and shares it with 19 third-party partners, some for advertising purposes. While the privacy policy is comprehensive and supports major privacy laws like GDPR and CCPA, the extensive data collection and sharing practices introduce a higher risk of data exposure.
Recommended Actions
Carefully review Mercury's privacy settings within your account to limit data sharing where possible.
Utilize the provided data request form or email help@mercury.com to inquire about your data or request deletion, understanding that exceptions may apply.
Be mindful of the sensitive information you provide, especially financial and biometric data, given its potential for broader sharing.