Services · Mobile app development · AI chat agents
Codeeo provides AI chat agent development across the USA for national retailers, franchise systems, lenders, insurers, healthcare networks, utilities, education providers and software companies. We build agents that answer from content you approve, complete tasks in your systems, follow FTC, TCPA, HIPAA and state privacy rules, and transfer customers to trained staff whenever a decision, a dispute or a sensitive situation needs a person.
Going national adds problems a single market pilot never meets: different state laws, hundreds of locations with their own details, customers in several time zones and a large Spanish speaking audience. We plan for them from the start. Codeeo has no US office; our team works remotely with American clients, and discovery and reviews run by video call.
200+ companies across the US and the UAEFrom a first store to a listed developer
National capabilities
There is no single federal AI statute in the United States. Instead, agencies apply existing law. The Federal Trade Commission treats deceptive AI claims and undisclosed manipulation as unfair or deceptive practices under Section 5 of the FTC Act. The Federal Communications Commission confirmed in 2024 that AI generated voices count as artificial under the Telephone Consumer Protection Act. HIPAA, the Gramm Leach Bliley Act, COPPA and the ADA apply by sector and audience.
States add their own layer: comprehensive privacy laws in a growing list of states, California's bot disclosure law, Utah's generative AI disclosure rules, Texas AI duties and others still taking shape. Custom AI chat agents in the USA therefore need a rules layer that knows where each customer is. The capabilities below are the ones national programs ask for most.
The agent identifies the customer's state from their account, ZIP code or a direct question, then applies the matching rules: which privacy rights to offer, which disclosures to show, which products are available and which licensed team takes over. Rules sit in a maintained table, not scattered through prompts, so legal updates are quick.
One agent behaves correctly in every state you operate in.
Store hours, services, staff and inventory differ across hundreds of locations and change daily. The agent reads them from your location management system or store database, answers in the customer's own time zone, and never guesses at a branch it has no current data for.
Customers get the right answer for the location near them.
Order updates, appointment reminders and renewals can go out by SMS, email or WhatsApp. The agent checks your consent records before any marketing text, honors STOP and other opt out words immediately, sends through registered business messaging routes, and keeps CAN-SPAM requirements in email follow ups.
Fewer TCPA exposure points and cleaner consent records.
Health data under HIPAA, financial data under the Gramm Leach Bliley Act and card data under PCI DSS each need their own handling. We route each type to services with the right agreements and controls, keep card numbers out of transcripts entirely, and mask other identifiers before storage.
Sensitive data stays in the systems certified to hold it.
When a customer pays a bill or a deposit, the agent hands off to a secure payment page or wallet flow with Apple Pay, Google Pay, cards or ACH bank transfer through your existing processor. The chat confirms success or failure but never sees the full card number.
Payments complete inside the conversation while PCI scope stays small.
Spanish speaking customers live in every state, not just the border states. The agent serves them from reviewed Spanish content with the same accuracy and the same rights notices as English, and reporting shows demand by region so you can add other languages where they are needed.
Spanish speaking customers receive full service nationwide.
The chat window works with screen readers, keyboard navigation, zoom and high contrast settings, following WCAG guidance that courts and the Department of Justice reference in ADA matters. Customers can also request a phone or email alternative at any point.
Customers with disabilities can use the agent without barriers.
Brands whose products reach teens or children need extra care. If a service is directed to children under 13, COPPA applies to collecting their data. We design age screening, parental consent paths where needed, and content limits, and we keep companion style or open ended chat out of child audiences.
Younger audiences are protected by design, not by disclaimer.
Without a national digital ID, account verification relies on your own sign in, one time passcodes, device checks or step up verification before sensitive actions such as changing a payout account. The agent uses your identity provider so access rules match the rest of your services.
Account specific answers go only to the right person.
Executives see resolution rates, handoff reasons, sentiment and failure patterns by state, channel, language and location. Compliance teams can export transcripts for review. These reports show which regions and topics need better content before you expand further.
Decisions about the next rollout wave rest on evidence.
Who this is for
Nationwide agents pay off when the same questions repeat across many markets and a central team can maintain the answers. They need clear ownership, because a wrong answer at national scale reaches thousands of people quickly. These four profiles describe where we see the strongest case for a multi-state program, each with its own rollout path and its own regulatory focus. Conversational AI agent development USA programs that succeed usually name one executive owner, one pilot market and a short list of measures before the first line of code is written.
Restaurant, fitness, home service and retail franchise systems need a single agent that respects each franchisee's hours, prices shown in their systems and service menus. Corporate controls brand voice and policy, while location data comes from the systems franchisees already update. New locations join by adding their data, not by building a new bot. Franchisees can see their own location reports without access to anyone else's data.
Brand control at the center, local accuracy at the edge.
Companies licensed in many states face different disclosure rules, collection practices and complaint processes. An agent with a state aware rules layer can explain products from approved disclosures, take payments securely and route complaints and disputes to licensed staff. The design aligns with GLBA safeguards and regulator expectations about fair treatment. Collections conversations follow federal and state debt collection rules where they apply.
Licensing boundaries are written into every flow.
Multi-state provider groups, telehealth companies and pharmacy services can automate scheduling, eligibility questions, refill status and onboarding. The agent works within HIPAA through business associate agreements, follows state disclosure rules for AI in patient communication where they exist, and sends anything clinical to licensed clinicians in the patient's state. Patients who cross state lines for care are asked to confirm their location before state specific guidance is given.
Clinical judgment never moves to the agent.
SaaS products and consumer subscription services serving the whole country handle onboarding questions, billing, cancellations and troubleshooting at volume. The agent resolves these inside your product, while respecting the federal Restore Online Shoppers' Confidence Act and state automatic renewal laws, which require clear terms and a simple way to cancel. The agent never blocks or stalls a cancellation to push a retention offer.
Cancellation flows are designed to stay lawful.
How we work together
Codeeo has delivered 200+ projects across the UAE and the US and has a team of 80+ across Dubai, Riyadh and Karachi. Clients rate us 4.7 from 23 Google reviews. We have no US office, so collaboration happens through video calls, shared project tools and written approvals, which also gives your legal and security teams a full record. As an AI chat agent development company USA programs can rely on, we focus on a reusable foundation that later waves extend rather than rebuild. Every wave ends with a written review covering accuracy, handoffs, complaints and the content changes that followed.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We select models per use case from providers such as OpenAI, Anthropic and Google, through Azure, AWS or Google Cloud under enterprise terms. Common integrations include Salesforce, Microsoft Dynamics 365, Zendesk, Genesys, Twilio, Stripe and Epic, depending on your existing stack. Web chat, in app chat for iOS and Android, SMS, WhatsApp and voice can all share one agent service.
01Mobile
02Data and cloud
03Marketing and tracking
The pilot comes first; national coverage follows in planned waves.
Time to the pilot depends on integrations, content readiness and legal review. Time to national coverage depends on how many states, locations and languages you add, and how quickly local data can be cleaned. We agree the pilot plan after discovery, then plan each wave once the pilot has shown real performance, instead of committing to a nationwide date before we know how customers behave. Locations with incomplete data are held back until their records are fixed, rather than launched with gaps. Each wave gets its own written plan and sign off.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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