Privacy Policy

Last updated: January 1, 2026

1. Data We Collect

We collect the information needed to provide the service: your email address and phone number; identity verification (KYC) data such as your personal photo and images of identity documents; transaction and top-up data (amounts, methods, receipts); and basic technical data about your device and app usage.

2. How We Use Your Data

We use your data to create and manage your account, issue virtual cards, process top-ups, verify Bankak and Vodafone Cash receipts, prevent fraud and abuse, comply with legal and regulatory obligations, respond to support requests, and improve the service.

3. Storage & Security

Your data is stored securely using encryption in transit and at rest, with strict access controls limited to authorized personnel. We retain data only for as long as needed to provide the service and to meet legal or regulatory requirements, after which it is deleted or anonymized.

4. We Do Not Sell Your Data

We do not sell your personal data to any third party. We share data only with service providers strictly necessary to operate Payro (for example, the card issuer) under confidentiality obligations, or when disclosure is required by law.

5. Your Rights

You may request access to your personal data, ask for correction of inaccurate data, request deletion of your data, or ask for account closure at any time by contacting us. Some data may be retained where the law requires it, even after account closure.

6. Changes to This Policy

We may update this Privacy Policy from time to time. The date of the latest revision appears above, and continued use of the service after an update constitutes acceptance of the revised policy.

7. Contact

For privacy questions or to exercise your rights, contact us at support@payrocard.com.