Privacy Policy

Welcome to Paywise. We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our website or use our mobile application and tell you about your privacy rights and how the law protects you.

This privacy policy is provided in a layered format so you can click through to the specific areas set out below. Please also use the Table of Contents on the left to navigate through this policy.

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data: includes first name, last name, username or similar identifier, date of birth.
• Contact Data: includes billing address, email address and telephone numbers.
• Financial Data: includes bank account details and transaction history.
• Transaction Data: includes details about payments to and from you and other details of services you have purchased from us.
• Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, device information.
• Usage Data: includes information about how you use our website and services.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• To register you as a new customer and verify your identity
• To process and deliver your transactions including managing payments and fees
• To manage our relationship with you including notifying you about changes to our terms or privacy policy
• To enable you to complete a survey or provide feedback
• To administer and protect our business and this website (including troubleshooting, data analysis, testing)
• To deliver relevant content and advertisements to you
• To use data analytics to improve our services, customer relationships and experiences

We may share your personal data with third parties set out below for the purposes set out in section 3 above:

• Service providers who provide IT and system administration services
• Professional advisers including lawyers, bankers, auditors and insurers
• Regulators and other authorities who require reporting of processing activities in certain circumstances
• Financial institutions and payment processors to process your transactions

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes.

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.

We use industry-standard encryption and security protocols including:

• SSL/TLS encryption for data transmission
• Encrypted storage of sensitive data
• Regular security audits and assessments
• Multi-factor authentication for account access
• Secure data centers with physical security measures

We use cookies and similar tracking technologies to track the activity on our service and store certain information. Cookies are files with small amount of data which may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

Types of cookies we use:

• Session Cookies: We use session cookies to operate our service
• Preference Cookies: We use preference cookies to remember your preferences and various settings
• Security Cookies: We use security cookies for security purposes

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to:

• Request access to your personal data
• Request correction of your personal data
• Request erasure of your personal data
• Object to processing of your personal data
• Request restriction of processing your personal data
• Request transfer of your personal data
• Right to withdraw consent

If you wish to exercise any of the rights set out above, please contact us using the contact details provided in section 10.

Our service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us.

If we become aware that we have collected personal data from children without verification of parental consent, we take steps to remove that information from our servers.

We may update our privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and updating the "Last updated" date at the top of this privacy policy.

You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

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