Privacy Policy
Last updated: March 2026
1. Information We Collect
When you create an account, we collect your name, email address, and country preference.
We store the budget and transaction information you manually enter. Additionally, any receipt you scan is encrypted and stored securely. We collect receipt information which includes amounts spent, total expenses, categories, and dates. This information is for your access only and to help improve our service for you. You can delete those documents and information at any time.
We collect basic app usage information to improve our service, including login times, feature usage patterns, and general analytics. This data is anonymized and used solely for service improvement.
2. How We Use Your Information
We use your information to:
- Provide and maintain the Payogo service - Ensure the app functions properly and delivers core budgeting features
- Generate your financial insights and reports - Create personalized spending analytics and budget recommendations
- Send you important service updates - Notify you of feature updates, security alerts, and account changes
- Improve our app features and user experience - Analyze usage patterns to enhance functionality and add requested features
- Provide customer support - Respond to your questions and troubleshoot issues
- Prevent fraud and abuse - Detect and prevent unauthorized access and misuse of the service
3. Exchange Rate Data
We use ExchangeRate-API.com and other third-party services to fetch current mid-market exchange rates for display on our platform. When you view exchange rate information, this activity may be logged by our system for analytics and caching purposes. However, we do not share your personal viewing activity or financial data with exchange rate API providers.
When you click on a remittance provider link or comparison (such as Wise, TapTap Send, Sendwave, etc.), you are leaving our platform and will be redirected to a third-party website. We do not track, collect, or store any information about your transactions, transfers, or activities with these third-party providers. Each provider has their own privacy policy that governs how they collect and use your data.
Payogo does not collect, store, process, or have access to any information about your actual remittance transactions, transfer amounts, recipient details, payment methods, or financial accounts with third-party remittance providers. We only display estimated exchange rates for comparison purposes. All financial transactions occur directly between you and the third-party provider you choose.
Exchange Rate Caching
To reduce API calls and improve performance, we cache exchange rate data for up to 1 hour. Cached rates are stored in our secure database and are only used to display current rate estimates to users.
No Sale of Rate Viewing Data
We do not sell, rent, or share information about which exchange rates you view or which currencies you compare. This data is used solely for internal analytics to improve our service.
3. Data Storage & Security
Your privacy and security are our top priorities. We implement multiple layers of protection:
Data Encryption
All sensitive data, including receipts and financial information, is encrypted both in transit (using TLS 1.3) and at rest (using AES-256 encryption). This ensures that even if data is intercepted, it cannot be read.
Secure Authentication
To enhance your security, we use multi-factor authentication (MFA) or two-factor authentication (2FA) to provide an extra layer of security beyond just a password. We also implement secure session management and automatic logout after periods of inactivity.
Secure Infrastructure
Our servers are hosted in secure data centers with 24/7 monitoring, regular security audits, and automatic backups. We do not share your personal financial data with third parties for marketing or advertising purposes.
5. Your Rights
You have complete control over your data. You can:
- Access your data - View all information we store about you at any time from your account settings
- Export your data - Download all your financial data in a standard format
- Correct your data - Update any inaccurate or incomplete information
- Delete your data - Permanently delete your account and all associated data from our systems
- Opt-out of communications - Unsubscribe from non-essential emails while still receiving critical security updates
- Restrict processing - Limit how we use your data in certain circumstances
To exercise any of these rights, visit your account settings or contact us at hello@payogo.com.
7. Data Retention
We retain your personal data only as long as necessary to provide our services and comply with legal obligations:
- Active accounts - Data is retained while your account is active
- Deleted accounts - Most data is permanently deleted within 30 days; some records may be retained for legal compliance
- Backup copies - Backup copies are automatically deleted within 90 days
8. Children's Privacy
Payogo is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately at hello@payogo.com.
9. Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices or for legal reasons. We will notify you of any material changes by:
- Posting the new policy on this page
- Updating the "Last updated" date
- Sending you an email notification for significant changes
We encourage you to review this policy periodically to stay informed about how we protect your information.
10. Contact Us
If you have any questions, concerns, or requests regarding this privacy policy or your personal data, please contact us:
- Email: hello@payogo.com
- Privacy Team: privacy@payogo.com
- Response Time: We typically respond within 24-48 hours
Questions About Your Privacy?
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