Responsible AI calling.

Kartio may make outbound calls only in the following circumstances:

• The recipient has explicitly consented to receive calls
• The call is in response to a request initiated by the recipient
• The call relates to an existing business relationship
• The merchant has a lawful basis for the call under applicable law

Before any outbound call:

• The recipient must clearly opt-in to receive calls
• The purpose of calls must be disclosed
• Consent must be documented and auditable
• Recipients can withdraw consent at any time

The following are prohibited:

• Calls to numbers on do-not-call lists (where applicable)
• Calls outside reasonable hours (8 AM - 8 PM local time)
• Repeated calls to the same number within 24 hours
• Calls with deceptive or misleading caller ID
• Calls to emergency services or premium-rate numbers

• All calls are transcribed for quality and reporting
• Audio may be recorded where permitted by law
• Callers are informed that the call may be recorded
• Transcripts are stored securely and access-controlled

• Call transcripts retained per subscription plan
• Audio recordings deleted after 30 days unless required longer
• Metadata retained for billing and legal compliance
• Data deleted upon account termination (subject to legal holds)

• Recipients can opt-out at any time during a call
• Human escalation available when requested
• Opt-out requests processed within 48 hours
• Global opt-out list maintained and respected