Our Security Commitment
At Coco AI, security isn't an afterthought — it's the foundation of everything we build. When handling sensitive financial data and personal information for Digital Loan Onboardings, we maintain the highest standards of data protection and cybersecurity.
End-to-End Encryption
Every message, document, and piece of data exchanged through Coco is protected with end-to-end encryption. This means your information is encrypted the moment it leaves your device and remains encrypted until it reaches its intended destination. No one — not even us — can read your messages in transit.
Bank-Grade Infrastructure
Our infrastructure is built to meet the same security standards as leading financial institutions:
- AES-256 Encryption: All data at rest is encrypted using AES-256, the gold standard for data encryption.
- TLS 1.3: All data in transit is secured with the latest Transport Layer Security protocol.
- Isolated Processing: Document verification and sensitive data processing happen in isolated, secure environments.
- Regular Audits: Our systems undergo regular security audits and penetration testing by independent third parties.
Data Protection Practices
- Minimal Data Collection: We only collect data that is absolutely necessary for processing your loan application.
- Automatic Data Purging: Sensitive documents and temporary data are automatically purged after processing is complete.
- Access Controls: Strict role-based access controls ensure only authorized personnel can access sensitive data.
- Data Anonymization: Where possible, data is anonymized for analytics and service improvement purposes.
Compliance and Certifications
Coco AI is designed to comply with:
- Reserve Bank of India (RBI) Digital Lending Guidelines
- Information Technology Act, 2000 and its amendments
- Digital Personal Data Protection Act (DPDPA)
- PCI-DSS standards for payment data security
- ISO 27001 information security management standards
AI Security
Our AI systems are designed with security at their core:
- No Data Leakage: Coco's AI models do not retain or learn from individual customer conversations.
- Anti-Hallucination: Our dual-brain architecture ensures Coco never makes up information — it only works with verified data.
- Fraud Detection: Built-in AI-powered fraud detection identifies suspicious patterns in real-time.
- Human Oversight: Critical decisions include human-in-the-loop verification for added safety.
Incident Response
We maintain a comprehensive incident response plan. In the unlikely event of a security incident, our dedicated team is equipped to respond swiftly, contain the issue, notify affected users, and implement corrective measures. We are committed to full transparency in all security-related communications.
Reporting Security Concerns
If you discover a potential security vulnerability or have concerns about the security of our Services, please contact us immediately via WhatsApp. We take all security reports seriously and will respond promptly.