Privacy Policy

Last updated: December 2025

1. Information We Collect

Personal Information: When you create an account, we collect your name, email address, and country preference.

Financial Data: We store the budget and transaction information you manually enter. Additionally, any receipt you scan we encrypt it an store them. We collect the receipt information which includes amounts spend, total expenses, categories, and dates. This information is for your access only and to help improve on our service for you. You can delete those documents and information at anytime.

Usage Data: We collect basic app usage information to improve our service.

2. How We Use Your Information

We use your information to:

• Provide and maintain the Payogo service
• Generate your financial insights and reports
• Send you important service updates
• Improve our app features and user experience

3. Data Storage & Security

Your data is stored securely using industry-standard encryption. We do not share your personal financial data with third parties.

Data Encryption: All sensitive data, including receipts and financial information, is encrypted both in transit and at rest.

Secure Authentication: To enhance your security we use the multi-factor authentication (MFA) or two-factor authentication (2FA) provide an extra layer of security beyond just a password.

4. Your Rights

You can:

• Access and export your data at any time
• Delete your account and all associated data
• Opt-out of non-essential communications

5. Contact Us

For privacy-related questions: privacy@payogo.com