Privacy Policy

Information We Collect

We collect personal and non-personal information to provide a secure and seamless experience on PayOn Money.

• Personal Information: Name, email, phone number, billing address, payment details (card, bank account, etc.), and government-issued identification.
• Transaction Information: Details of recharges, bill payments, AEPS, money transfers, insurance, and API usage, along with timestamps and status.
• Device & Usage Information: IP address, browser type, device, operating system, and interaction logs collected to enhance security and performance.

How We Use Your Information

We use the information we collect for the following purposes:

• To deliver services such as recharge, utility payments, DMT, AEPS, insurance and APIs.
• To process and track your transactions and provide support where required.
• To improve the performance, security, and usability of our website and systems.
• To communicate with you about your account, transactions, alerts, offers and updates.
• To prevent fraud, manage risk, and comply with legal and regulatory requirements.
• To personalize your experience based on your usage patterns and preferences.

Data Retention & Security

We retain your personal and transaction data only for as long as necessary to fulfil the purposes described in this Privacy Policy or as required by law or regulation.

To protect your data, we use industry-standard security practices such as encryption, firewalls, access controls, monitoring and secure servers to prevent unauthorized access, alteration, disclosure, or destruction of your information.

Sharing Your Information

We may share your information with trusted third parties strictly for service delivery, such as:

• Payment gateways and banking partners
• Insurance companies and service aggregators
• API and technology service providers

These partners are contractually obligated to protect your data and use it only for authorized purposes. We do not sell, rent or trade your personal information to third parties for marketing purposes.

Cookies & Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and login sessions.
• Understand how you navigate and interact with our platform.
• Improve page performance, security and user experience.

You may disable cookies from your browser settings. However, some features of the website may not function properly if cookies are turned off.

Your Rights & Choices

You have the right to request access to, correction of, or deletion of your personal information, subject to applicable laws and our regulatory obligations.

To exercise these rights or raise a concern, you can contact us at: care.payonmoney@gmail.com.

You may also opt out of promotional or marketing communications by using the unsubscribe links provided in our emails or by contacting us directly.

Third-Party Links

Our website or dashboard may contain links to third-party websites or services. These external sites are not operated or controlled by PayOn Money.

We are not responsible for the content, security, or privacy practices of such third-party platforms. We encourage you to review their privacy policies before sharing any personal information.

International Data Transfers

As part of delivering our services, your information may be processed or stored on servers located outside your country of residence, including in jurisdictions that may have different data protection laws.

Wherever your data is processed, we take appropriate measures to ensure that it is handled securely and in accordance with this Privacy Policy and applicable regulations.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements.

Any updates will be posted on this page and, where appropriate, communicated via email or in-app notifications. We encourage you to review this policy periodically to stay informed about how we handle your data.