Privacy Policy

Welcome to PayNote, a mobile application developed by Apptreo ("we," "us," or "our"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our PayNote mobile application.

By using PayNote, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our application.

1. Information We Collect

1.1 Personal Information

We may collect the following personal information:

• Email Address: Used for account creation and authentication
• Name: Provided during account setup
• Unique User Key: An 8-character identifier generated for each user to facilitate connections
• Currency Preference: User's selected currency for financial tracking

1.2 Financial Information

PayNote allows users to track financial transactions between connected users:

• Transaction Data: Amount, description, date, and type of transactions
• Connection Information: Links between users who have agreed to share financial data
• Balance Information: Calculated balances based on shared transactions

1.3 Device and Usage Information

• Device Information: Device type, operating system, and unique device identifiers
• Usage Data: How you interact with the app, features used, and usage patterns
• Log Data: Error reports and performance data to improve app functionality

1.4 Authentication Data

• Firebase Authentication: Authentication tokens and session information
• Google Sign-In: If you choose to sign in with Google, we may receive basic profile information

2. How We Use Your Information

We use the collected information for the following purposes:

• Account Management: To create and manage your user account
• App Functionality: To provide core features like transaction tracking and balance calculations
• User Connections: To facilitate secure connections between users via unique keys
• Communication: To send important updates, security notifications, and respond to support requests
• App Improvement: To analyze usage patterns and improve app performance and features
• Security: To detect and prevent fraudulent activities and unauthorized access
• Legal Compliance: To comply with applicable laws and regulations

3. Information Sharing and Disclosure

3.1 With Connected Users

When you connect with other PayNote users:

• Your name and unique key become visible to your connections
• Transaction data is shared only with users involved in those transactions
• Balance information is shared between connected users

3.2 Third-Party Service Providers

We use Firebase (Google) services for:

• Authentication: Secure user login and account management
• Database: Secure storage of user data and transactions
• Analytics: Understanding app usage patterns (anonymous)

3.3 Legal Requirements

We may disclose your information if required by law or to:

• Comply with legal obligations
• Protect our rights and safety
• Investigate fraud or security issues
• Respond to government requests

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

4. Data Security

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

• Encryption: Data is encrypted in transit and at rest using industry-standard protocols
• Access Controls: Strict access controls limit who can view your data
• Firebase Security: Google's enterprise-grade security infrastructure
• Regular Audits: Periodic security assessments and updates

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

5. Data Retention

We retain your information for as long as necessary to:

• Provide our services
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

Account data is retained while your account is active. You can request deletion of your account and associated data at any time.

6. Your Rights and Choices

You have the following rights regarding your data:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Portability: Request your data in a portable format
• Opt-out: Unsubscribe from non-essential communications
• Account Deletion: Delete your account through the app settings

7. Children's Privacy

PayNote is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards.

9. Cookies and Tracking

PayNote may use cookies and similar technologies to:

• Maintain user sessions
• Remember user preferences
• Analyze app usage and performance

10. Third-Party Services

PayNote integrates with:

• Google Sign-In: For authentication (subject to Google's privacy policy)
• Firebase: For backend services (subject to Google's privacy policy)

We encourage you to review the privacy policies of these third-party services.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy in the app
• Sending you an email notification
• Displaying an in-app notification

Your continued use of PayNote after changes become effective constitutes acceptance of the updated policy.

12. Contact Us

13. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law principles.