1. INTRODUCTION

At 2pay ("we," "our," or "us"), we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management application and services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

2. INFORMATION WE COLLECT

• Name and contact information
• Date of birth
• Social Security number
• Government-issued identification
• Banking information
• Credit information
• Employment information
• Income details

• Bank account details
• Transaction history
• Bill payment information
• Credit score and history
• Financial goals and preferences

• Device information
• IP address
• Usage data
• Login information
• App interaction data

3. HOW WE USE YOUR INFORMATION

We use the collected information for:

• Providing and maintaining our services
• Processing bill payments
• Credit monitoring and building
• Personalizing your experience
• Improving our AI-powered financial coaching
• Communicating with you about your account
• Sending important notifications
• Fraud prevention and security
• Compliance with legal obligations

4. INFORMATION SHARING AND DISCLOSURE

We may share your information with:

• Financial institutions for processing payments
• Credit reporting agencies
• Service providers and partners
• Legal authorities when required by law
• Third parties with your explicit consent

5. DATA SECURITY

We implement robust security measures including:

• Bank-level encryption
• Secure data storage
• Regular security audits
• Access controls
• Employee training on data protection
• Incident response procedures

6. YOUR RIGHTS AND CHOICES

You have the right to:

• Access your personal information
• Correct inaccurate data
• Request deletion of your data
• Opt-out of marketing communications
• Control notification preferences
• Export your data

7. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar technologies to:

• Maintain your session
• Remember your preferences
• Analyze app usage
• Enhance security
• Improve user experience

8. CHILDREN'S PRIVACY

Our services are not intended for users under 18 years of age. We do not knowingly collect information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to remove that information.

9. THIRD-PARTY LINKS AND SERVICES

Our application may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third parties. We encourage you to read their privacy policies before providing any information to them.

10. 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 on this page and updating the "Last Updated" date. You are advised to review this privacy policy periodically for any changes.

11. CALIFORNIA PRIVACY RIGHTS

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising these rights

12. INTERNATIONAL DATA TRANSFERS

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.

13. DATA RETENTION

We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law.

14. CONTACT US

If you have any questions about this Privacy Policy, please contact us at:

hello@2payfi.com

By using 2pay, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.