Your Privacy Matters: Transparency, Security, and Trust at the Heart of Our Services.

Welcome to Pay Buddy, a product of Pay Buddy (“we,” “us,” or “our”). Your privacy is important to us, and this Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our app, website, and related services (collectively, the “Services”).

By using Pay Buddy, you agree to the terms of this Privacy Policy. If you do not agree, please refrain from using our Services.

Information We Collect
We may collect the following types of information to provide you with our Services:

• Personal Information:
  • Name, email address, phone number, date of birth, and address.
  • Government-issued identification documents for KYC compliance.
  • Details of transactions made through Pay Buddy, including payment amounts, merchant details, and timestamps.
  • Information about your device, such as IP address, operating system, browser type, and app usage statistics.
  • We may collect location information to enhance security and offer location-based services.

How We Use Your Information
We use your information for the following purposes:

• To verify your identity and complete KYC requirements.
• To process transactions and provide seamless financial services.
• To ensure the security of your account and detect fraudulent activity.
• To improve and personalize your experience with Pay Buddy.
• To comply with legal and regulatory obligations.

Sharing of Information
We do not sell or share your personal information with third parties, except as required to provide our Services or comply with legal obligations.
We may share information with:

• Payment processors, banks, and financial institutions to complete transactions.
• Regulatory authorities or government agencies, as required by law.
• Service providers who assist us in delivering and improving our Services.

Data Security
We take reasonable measures to protect your information from unauthorized access, loss, misuse, or alteration. These include:

• Encryption of sensitive data.
• Regular security audits and compliance checks.
• Access controls to limit data exposure to authorized personnel only.
  Despite our best efforts, no security measures are entirely foolproof. We encourage users to secure their accounts by safeguarding their login credentials.

Cookies and Tracking Technologies
We may use cookies and similar technologies to enhance your experience, improve our Services, and analyze usage trends. You can manage cookie preferences through your device settings.

Your Rights
You have the right to:

• Access the personal data we hold about you.
• Request corrections to inaccurate or incomplete data.
• Request deletion of your data, subject to legal and regulatory requirements.
  To exercise these rights, please contact us at the email address provided below.

Children’s Privacy
Pay Buddy is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors.

Changes to This Policy
We reserve the right to update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Users will be notified of significant changes through the app or website.

Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
Pay Buddy
Email: support@paybuddy.live

By using Pay Buddy, you acknowledge that you have read, understood, and agreed to this Privacy Policy and consent to our data practices as described herein.