Privacy Policy

We collect information you provide directly to us, such as when you create an account, use our services, or contact us for support.

Personal Information:

• Name, email address, and phone number
• Government-issued identification for KYC verification
• Financial information including bank account details
• Address and other contact information
• Transaction history and payment information

Automatically Collected Information:

• Device information and IP address
• Browser type and operating system
• Usage patterns and preferences
• Location data (if permitted)

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Send you technical notices and support messages
• Respond to your comments and questions
• Analyze usage patterns to improve user experience

We do not sell, trade, or rent your personal information. We may share your information in the following circumstances:

With Your Consent:

We may share information when you give us explicit permission to do so.

Legal Requirements:

• To comply with applicable laws and regulations
• To respond to legal process or government requests
• To protect our rights and prevent fraud

Service Providers:

We may share information with trusted third-party service providers who help us operate our platform, subject to confidentiality agreements.

We implement comprehensive security measures to protect your personal information:

• End-to-end encryption for sensitive data transmission
• Secure data storage with industry-standard protocols
• Regular security audits and penetration testing
• Multi-factor authentication requirements
• Employee access controls and training
• Real-time fraud monitoring systems

Important: While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and enable two-factor authentication.

We retain your personal information for as long as necessary to provide our services and comply with legal obligations:

• Account Information: Retained while your account is active and for 7 years after closure
• Transaction Records: Retained for 7 years as required by financial regulations
• KYC Documents: Retained for 5 years after account closure
• Communication Records: Retained for 3 years for customer service purposes

You have several rights regarding your personal information:

Access and Portability:

• Request a copy of your personal data
• Download your transaction history
• Export your account information

Correction and Deletion:

• Update your account information at any time
• Request correction of inaccurate data
• Request deletion of your account (subject to legal retention requirements)

Communication Preferences:

• Opt out of marketing communications
• Choose notification preferences
• Control cookie settings

We use cookies and similar technologies to enhance your experience and analyze usage patterns:

Essential Cookies:

Required for basic functionality, security, and authentication.

Analytics Cookies:

Help us understand how you use our platform to improve performance.

Preference Cookies:

Remember your settings and preferences for a personalized experience.

You can control cookies through your browser settings, but disabling certain cookies may affect functionality.

PayliApp operates globally, and your information may be processed in countries other than your own. We ensure appropriate safeguards are in place:

• Data processing agreements with international standards
• Adequacy decisions and standard contractual clauses
• Regular compliance reviews with local data protection authorities
• Encryption and security measures during transfers

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

If you are a parent or guardian and believe we may have collected information about your child, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Displaying a prominent notice in your account dashboard

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

Response Time: We aim to respond to all privacy-related inquiries within 30 days.