Privacy Policy

1. Introduction

Payzario ("we," "our," or "us") respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

By accessing or using Payzario, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

a. Personal Information

• Name
• Email address
• Phone number
• Business information (if applicable)

b. Financial Information (via Plaid)

When you connect your financial accounts through Plaid:

• Bank account details
• Account balances
• Transaction history

3. How We Use Your Information

We use your information to:

• Provide and operate our services
• Facilitate financial account connections via Plaid
• Analyze financial data (if applicable to features)
• Improve platform performance and user experience
• Communicate with you (support, updates, notifications)
• Prevent fraud and enhance security

4. Use of Plaid

Payzario uses Plaid Inc. ("Plaid") to enable secure connections to your financial accounts. Plaid allows you to securely link your bank accounts so we can view balances, detect recurring bills, and assess repayment eligibility.

By using our service, you acknowledge and agree that:

• Your data will be processed by Plaid in accordance with Plaid's Privacy Policy
• Plaid may collect and use your data as described here: https://plaid.com/legal/#privacy-policy
• We only access data necessary to provide our services and do not sell your financial data.
• You may disconnect your bank account at any time from within the app.

5. Use of Stripe

Payzario uses Stripe, Inc. ("Stripe") to process payments securely. When you make a payment through Payzario, your payment details are handled directly by Stripe and are never stored on Payzario's servers.

By using payment features, you acknowledge that:

• Card and payment data is collected and processed by Stripe under Stripe's Privacy Policy: stripe.com/privacy
• Payzario only stores a Stripe Customer ID reference — not your raw card details.
• Stripe is PCI-DSS Level 1 certified, the highest level of payment security certification.

6. Data Sharing and Disclosure

We do not sell your personal or financial data.

We may share your data with:

• Trusted third-party service providers (e.g., hosting, analytics, Plaid)
• Legal authorities when required by law
• Internal teams for service delivery and support

7. Data Security

We implement industry-standard security measures, including:

• Encryption of data in transit (SSL/TLS)
• Secure infrastructure and access controls
• Monitoring and logging of system activity
• Access to sensitive data is restricted to authorized personnel only.

8. Data Retention & Deletion

We retain your information only as long as necessary to:

• Provide services
• Comply with legal obligations
• Resolve disputes and enforce agreements

To request deletion of your data, email us at:

Upon request, we will delete or deactivate:

• Your account profile and personal information
• Linked Plaid data and bank account connections
• Stored bill data and history
• Payment-related data not required for legal retention

9. Your Rights

You have the right to:

• Access your personal data
• Request correction or deletion
• Disconnect financial accounts
• Withdraw consent where applicable

To make a request, contact us at: support@payzario.com

10. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

• Improve user experience
• Analyze usage
• Maintain session security

You can control cookie preferences through your browser settings.

11. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for their privacy practices.

12. Children's Privacy

Payzario is not intended for individuals under the age of 18. We do not knowingly collect data from children.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.