Editing Openai/692c4a6d-a0b8-8002-af18-05564d5876c3 (section)

=== Major AI-Related Red Flags ===

==== 1. Your chatbot conversations may be reviewed by humans ====

The Yuh App Terms explicitly state that chatbot conversations may be stored and used for analysis including manual human review to improve services.
terms-and-condititions-yuh-app-…

Why this matters:
This is not standard for banking apps where user conversations can contain sensitive financial intent, account-related details, etc.

==== 2. Your data—including chatbot inputs—can be transferred outside Switzerland, including to the US ====

The Terms state that personal data sent to the chatbot can be transferred to jurisdictions without an equivalent level of data protection, explicitly naming the United States.
terms-and-condititions-yuh-app-…

Both privacy policies confirm international transfers for many purposes, including analytics, payment processing, marketing, and more.
yuh-account-privacy-policy-d-en…

 yuh-app-privacy-policy-en-v3

Why this matters:
US-based providers may be subject to broad federal access rules (e.g., the CLOUD Act).
Your banking-related conversations could therefore lose Swiss-level confidentiality.

==== 3. You explicitly waive Swiss banking secrecy in several cases ====

The Swissquote privacy policy includes a broad banking secrecy waiver, including for:
* AI-powered tools
* foreign third-party processors
* card processors (e.g., Marqeta in the US) yuh-account-privacy-policy-d-en…

Why this matters:
This is unusually broad for a Swiss financial institution.
Your data is no longer protected under strict Swiss secrecy rules once it leaves Switzerland.

==== 4. AI output is disclaimed heavily (“hallucinations,” no reliability, no liability) ====

The Terms emphasize that the chatbot may produce:
* inaccurate
* incomplete
* misleading information, including hallucinations. terms-and-condititions-yuh-app-…

Why this matters:
If you rely on chatbot responses for financial decisions, they disavow all responsibility.

==== 5. Chatbot data is used to train or improve models (not just to answer you) ====

The Terms state the data may be used to:
* improve the chatbot
* develop new products
* improve the Yuh App terms-and-condititions-yuh-app-…

Why this matters:
Your personal queries, habits, and metadata can feed internal AI training pipelines.

==== 6. Profiling is explicitly permitted ====

Both privacy policies describe profiling, including assessing aspects of your personality, especially for marketing.
yuh-account-privacy-policy-d-en…

yuh-app-privacy-policy-en-v3

Why this matters:
Your interactions—possibly including AI chatbot conversations—may influence personalized marketing, risk scoring, or eligibility assessments.