Privacy Policy

Privacy Policy
Effective Date: 01-01-2025

PayBiA Finance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our software, website, and services. By accessing or using our services, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect
1.1 Personal Information
When you register, use or interact with our services, we may collect the following personal information:
Full name
Email address
Phone number
Billing and payment details
Business information (if applicable)
1.2 Non-Personal Information
We may collect non-personal information, such as:
Device information (e.g., IP address, browser type)
Usage data (e.g., pages viewed, time spent on the platform)
Aggregated analytics data
1.3 Financial Data
As a finance software provider, you may input financial data (e.g., loan details, EMI records, customer data). This data remains under your ownership and control.

2. How We Use Your Information
We use the information collected for the following purposes:
To provide, manage, and improve our software and services.
To process payments and manage subscriptions.
To communicate with you about updates, offers, and support.
To ensure compliance with legal obligations.
To analyze usage trends and improve user experience.

3. Data Sharing and Disclosure
We do not sell or rent your personal information. However, we may share your data in the following circumstances:
3.1 Service Providers
We may share data with trusted third-party vendors and service providers who assist us in delivering our services, such as payment processors, hosting providers, and analytics platforms.
3.2 Legal Obligations
We may disclose your information if required by law or in response to valid legal requests (e.g., court orders, subpoenas).
3.3 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

4. Data Security
We take reasonable measures to protect your information from unauthorized access, disclosure, or loss. These measures include:
Encryption of sensitive data
Secure server and network protocols
Regular security assessments
However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Your Rights
You have the following rights concerning your personal information:
Access and Correction: Request access to or correction of your personal data.
Data Deletion: Request the deletion of your data, subject to legal and contractual obligations.
Opt-Out: Opt-out of receiving marketing communications.
Data Portability: Request a copy of your data in a structured, machine-readable format.
To exercise these rights, contact us at [Insert Contact Email].

6. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience. Cookies help us:
Remember your preferences
Analyze website traffic
Deliver targeted advertisements
You can manage cookie preferences through your browser settings.

7. Third-Party Links
Our services may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

8. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

9. International Data Transfers
If you access our services outside [Your Country], your data may be transferred to and processed in [Your Country], where our servers are located. By using our services, you consent to this transfer.

10. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our practices or for legal reasons. We will notify you of significant updates through our website or email.

11. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us:

PayBiA Finance
Email: [Insert Email]
Phone: [Insert Phone Number]

Acknowledgment By using our software and services, you acknowledge that you have read, understood, and agree to this Privacy Policy.