Privacy Policy

Effective Date: February 13, 2026

Payess ("we", "our", or "us") operates the Payess mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App. Please read this policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

a) Personal Information

When you register or use the App, we may collect:

• Full name
• Mobile phone number
• Email address

b) Financial Information

• Wallet transaction history
• Recharge and bill payment details

c) Device & Technical Information

• Device model, operating system, and version
• Unique device identifiers (push notification tokens)
• IP address and network information
• App usage data and crash logs

d) Contacts (with your permission)

If you grant permission, the App may access your device contacts solely to help you select a contact for mobile recharge. We do not store or upload your contacts to our servers.

2. How We Use Your Information

We use the collected information for the following purposes:

• To create and manage your account
• To process mobile recharges, DTH recharges, bill payments, and wallet transactions
• To send transaction confirmations and status updates
• To send push notifications related to your account and transactions
• To provide customer support and respond to inquiries
• To detect, prevent, and address fraud or security issues
• To improve our App, services, and user experience
• To comply with legal obligations and regulatory requirements

3. Information Sharing & Disclosure

We do not sell or rent your personal information. We may share your information with:

• Payment Partners & Service Providers: Third-party recharge APIs, payment gateways, and service providers necessary to fulfill your transactions.
• Legal Compliance: When required by law, regulation, legal process, or government request.
• Security: To protect our rights, privacy, safety, or property, and that of our users.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encrypted data transmission (HTTPS/SSL)
• Secure token-based authentication
• Secure storage of sensitive data on your device using encrypted storage
• Regular security audits and monitoring

While we strive to protect your personal information, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. Transaction records are retained as required by applicable financial regulations. You may request deletion of your account and associated data by contacting us.

6. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate data
• Request deletion of your account and personal data — Request Account Deletion
• Withdraw consent for contacts access at any time via device settings
• Opt out of push notifications via device settings

7. Third-Party Services

Our App may use third-party services such as Expo (for app updates and notifications) and payment gateways. These services have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party services.

8. Children's Privacy

Our App is not intended for use by children under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected data from a child, please contact us immediately so we can take appropriate action.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically. Continued use of the App after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

• App Name: Payess
• Website: https://payess.online
• Email: info@payess.online