Privacy Policy

1. Information We Collect

Personal Information

When you create an account, we collect your name, email address, and country preference.

Financial Data

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.

Usage Data

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. 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.

4. 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.

5. Data Sharing

We do not sell your personal data. We may share limited information only in these circumstances:

Service Providers - Trusted third-party services that help us operate (e.g., hosting, email delivery). These providers are contractually obligated to protect your data.
Legal Requirements - When required by law, court order, or to protect our legal rights
Business Transfers - In the event of a merger or acquisition, with advance notice to you
With Your Consent - Any other sharing will only occur with your explicit permission

6. 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

7. 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.

8. 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.

9. 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