Privacy Policy

1. Introduction

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our platform to manage your business income and expenses. By accessing or using our services, you agree to the terms of this policy. If you do not agree, please do not use our services.

2. Information We Collect

• Personal Information: such as your full name, email address, business name, contact information, and billing details.
• Account and Usage Data: including login information, actions performed within the application (e.g., adding or editing transactions), timestamps, IP address, device type, and browser information.
• Financial and Business Data: income and expense records, categories, notes, and other data input by you or your team.
• Cookies and Tracking Technologies: for session management, analytics, and user experience improvements.

3. How We Use Your Information

• Provide, operate, and maintain the platform
• Personalize your experience and improve functionality
• Analyze usage to optimize performance and detect issues
• Communicate with you regarding updates, support, or billing
• Enforce our Terms of Service
• Comply with legal requirements

We do not access your financial data without your consent, except as required for customer support or legal obligations.

4. Sharing Your Information

• Service Providers: trusted third-party partners who help us operate our platform (e.g., hosting, analytics, customer support)
• Legal Compliance: when required by law, regulation, subpoena, or court order
• Business Transfers: if we are involved in a merger, acquisition, or asset sale

We do not sell your personal data. All third parties are contractually bound to protect your information and use it only for the purposes specified.

5. Data Security

We implement industry-standard security measures, including encryption, secure servers, access controls, and regular audits to protect your data. However, no method of transmission over the Internet or method of electronic storage is 100% secure.

6. Your Rights

• Access and review the data we hold about you
• Request correction or deletion of your data
• Object to processing or request data portability (where applicable)
• Withdraw consent for data processing at any time

To exercise these rights, contact us at info@payzor.co.

7. Data Retention

We retain your information for as long as your account is active or as needed to provide services, comply with legal obligations, or resolve disputes. Upon request, we will delete or anonymize your data, unless otherwise required by law.

8. International Transfers

If you use our services from outside the country where our servers are located, your data may be transferred, stored, and processed across borders. We take appropriate steps to ensure your data remains protected.

9. Children’s Privacy

Our services are not intended for children under the age of 16. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you by updating the “Effective date” and, if material changes occur, by additional notice (such as a banner or email).

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at info@payzor.co.