Paygent.ai Responsible AI & Data Use Statement
Introduction
At Paygent.ai, we believe artificial intelligence should be used to increase clarity, reduce friction, and empower better decision-making — not to obscure reality or replace human judgment.
AI is one of several tools we use to help small business owners understand payment processing fees and navigate a complex ecosystem with confidence. Like any powerful technology, we believe AI must be used thoughtfully, transparently, and responsibly, in a way that aligns with our values and earns long-term trust.
This statement explains how we use AI, where people remain involved, and how we protect and respect your data.
How We Do Use AI
We use AI as a supporting tool within our broader analytical process — not as an autonomous decision-maker.
Specifically, AI helps us:
• Analyze payment processing statements and fee structures
• Identify patterns, anomalies, and trends across large datasets
• Accelerate the discovery of insights and optimization opportunities
• Improve the consistency and scalability of our analysis over time
AI allows us to work faster and more efficiently, but it does not operate in isolation.
Human Oversight Is Essential
All audits, insights, and recommendations provided by Paygent.ai are reviewed by humans before being delivered.
We believe:
• Context matters
• Financial data requires judgment
• Human review is critical for accuracy and relevance
AI assists our work — people remain accountable for it.
How Your Data Is Used
When you upload payment statements or provide business information:
• Your data is used to generate your audit and insights
• Your data may also be used to train and improve our analytical and AI-assisted models, so we can deliver better results over time
At this stage:
• Data used for model improvement is not de-identified
• We do not sell your data
• We do not license your data to third parties
• We do not use your data for advertising
You remain in control of your data, including the ability to request deletion at any time.
How We Do Not Use AI
AI at Paygent.ai is not used to:
• Process payments
• Move or hold funds
• Execute transactions
• Make decisions on your behalf
• Replace professional judgment or advice
• Automatically share your data with third parties
Any sharing of information with payment providers occurs only when you explicitly request it, and audit data is never shared.
Transparency and Consent
We believe responsible AI use requires clear communication and informed consent. That’s why:
• Sensitive actions require explicit opt-in consent
• Data sharing is user-initiated, not automatic
• We explain how AI is involved when it is relevant
If our AI practices change in a material way, we will update this statement and notify users accordingly.
Looking Ahead
AI technology is evolving rapidly, and so are expectations around its use. We are committed to:
• Continuously evaluating our AI practices
• Balancing innovation with responsibility
• Using AI to serve users — not surprise them
As Paygent.ai grows, we will continue to refine our approach while staying grounded in our core principle: clarity first, always.
Questions or Concerns
If you have questions about how we use AI or handle data, we welcome the conversation.
Contact:: ai@paygent.ai