PayPlan

Privacy Policy

Effective Date: October 14, 2024

  1. Introduction

Welcome to PayPlan (“App”). PayPlan is committed to protecting your privacy and ensuring that your personal information is handled securely and responsibly. This privacy policy outlines how we collect, use, store, and protect your information when you use our bookkeeping app, particularly regarding the access to your SMS data and installed app list.

By using PayPlan, you consent to the practices described in this policy.

  1. Information We Collect

We collect the following types of personal information to provide and improve our services:

（1）SMS Information:

We collect the following SMS data:

  • SMS content

collects the content of SMS messages sent and received by the user for the purpose of analysing the user’s financial status and consumption behaviour.

  • Sender and recipient information

Collects the phone numbers of senders and recipients for identifying consumer organisations, service providers or other contacts relevant to finances.

  • Timestamp

collects the time of sending and receiving SMS to understand users’ communication patterns and consumption behaviour.

  • Number of SMS

counts the number of SMS sent by the user during a specific time period to assess the user’s consumption activities and financial status.

  • Use Of Data

PayPlan can automatically record financial transactions by accessing and processing users’ text messages. The user’s income and expenses are automatically recorded along with specific spending information.If unauthorized access to SMS is not granted, borrowing and lending records can still be manually added,It also does not affect the use of core functions.

  • Security Of Data

Users will be explicitly informed and consent will be obtained prior to the collection and processing of their relevant data. The User may make a revocation request at any time via the contact information provided in Article 10 of this Policy, and we will cease processing User Phase Data upon receipt of the User’s revocation request. User data is encrypted via HTTPS (https://api.PayPlan.cloud/) and will not be shared with any third party without the User’s consent. We are committed to taking appropriate security measures to ensure the security of User Data against unauthorised access and data leakage.

(2) User-Provided Information:

  • Account Registration: If you create an account with PayPlan, we may collect your email address, username, and password to manage your account.

(3) Device Information:

  • Introduction and Purpose

To ensure a seamless and secure experience with our accounting software, we may collect and use certain device information. This helps us optimize performance, enhance security, and provide personalized features tailored to your device.

  • Types of Device Information Collected

Device Model: Information about the type of device you are using (e.g., Samsung Galaxy S23, iPhone 15).

Operating System: Details about the operating system version (e.g., Android 14, iOS 17).

App Version: The version of our accounting software installed on your device.

Network Information: Your device’s network type (e.g., Wi-Fi, mobile data) and connection status.

  • How We Use Device Information

Performance Optimization: We use device information to ensure the software runs smoothly on your device, minimizing crashes and delays.

Security Enhancement: Device details help us detect and prevent unauthorized access or fraudulent activities.

Personalization: We tailor features to match your device’s capabilities, such as adjusting the interface for better usability.

  • Privacy and Data Protection

Your device information is treated with the utmost care and is used strictly for the purposes mentioned above. We do not share this data with third parties without your consent. All information is stored securely and in compliance with local data protection laws.

  • User Control

You have full control over the device information shared with us. You can review and manage your preferences in the app’s settings. If you choose to disable device information sharing, certain features may not function optimally.

(4) Contact Information:

  • Purpose of Collecting Contact Information

To help you manage your accounts more efficiently during the accounting process, we may collect and use your contact information. This ensures you can easily view and update your account details whenever needed. Specifically, contact information is used to record debtors and creditors, including their relationships, emails, phone numbers, and names.

  • Types of Contact Information Collected

Name: Full name for account identification.

Email Address: Email for notifications and account-related communications.

Phone Number: Phone number for account-related communications.

Relationship: Relationship selection for your record (e.g., friend, colleague, family member).

  • How We Use Contact Information

Account Management: Use your contact details to streamline account access and updates.

  • Privacy and Data Protection

Your contact information is handled with the utmost care and is only used for the purposes mentioned above. We do not share this data with third parties without your consent. All information is stored securely and in compliance with local data protection laws.

  • User Control

You have full control over the contact information shared with us. You can review, update, or delete your contact details at any time through the app’s settings. If you choose to disable contact information sharing, some account-related features may be limited.

(5) App List:

  • Purpose of Collecting App List Data

We request access to your device’s app list data to optimize the bookkeeping function and help you manage your finances more efficiently.

  • Types of App List Data Collected

The app list data we collect includes:

App Names and Icons: Only used to identify financial-related apps; no other unrelated app information is collected.

  • How We Use App List Data

Your app list data will only be used for the following purposes:

Optimizing Bookkeeping Functions: By identifying financial apps, we can automatically generate bill records or provide smart bookkeeping suggestions.

Enhancing User Experience: Help you manage your finances more conveniently, reducing the need for manual data entry.

Data Analysis: Used to improve product features and services, but will not be used for any other purposes.

  • Privacy and Data Protection

Data Confidentiality: Your app list data will be strictly confidential and will not be shared with unauthorized third parties.

Privacy Protection Policy: All data collection and usage strictly comply with our privacy protection policy to ensure your personal information security.

Data Storage and Processing: Your app list data is stored on secure servers and protected using encryption technology.

  • User Control

Authorization or Denial at Any Time: You can choose to deny or revoke access to your app list data at any time. Doing so will not affect the use of other features of bookkeeping software.

  1. Purpose of Information Collection

We use the collected data for the following purposes:

(1) Automatic Transaction Logging: SMS data is processed to automatically log and categorize financial transactions into your bookkeeping records. This saves time and improves accuracy by eliminating manual data entry.

(2) Financial Management Insights: Information from the app list helps us provide tailored insights and suggestions for managing your finances, particularly in integrating financial tools you are using.

(3) Improving User Experience: The device and app usage data help us enhance the app’s performance, detect issues, and improve user experience.

(4) Security and Fraud Prevention: We use collected data to identify potential fraudulent activities, ensure the security of user data, and prevent unauthorized access.

  1. How We Protect Your Data

We prioritize the security of your personal data and have implemented several measures to safeguard it:

(1) Encryption: All sensitive information, including SMS data and financial records, is encrypted both at rest and in transit using industry-standard encryption protocols. This ensures that unauthorized individuals cannot access your data.

(2) Secure Storage: User data is stored securely within our servers, which are protected by multiple layers of security including firewalls, intrusion detection systems, and restricted access protocols.

(3) Anonymization: Where possible, PayPlan anonymizes or pseudonymizes data, particularly in cases where the data is used for analytics or research. This reduces the risk of identification.

(4) Access Controls: Only authorized personnel have access to the personal data stored in our system, and all staff members are required to adhere to strict data protection policies.

(5) Regular Audits: PayPlan conducts regular security audits and vulnerability assessments to identify and address potential weaknesses in our systems.

  1. How We Share Your Information

Your personal information is never sold, traded, or shared with third parties for marketing purposes. We only share your information in the following cases:

(1) Service Providers: PayPlan may share your information with trusted third-party service providers (e.g. AWS, Google Cloud) to assist us with data storage, customer support, or app functionality improvements. All service providers are subject to strict confidentiality obligations.

(2) Legal Requirements: We may disclose your personal information if required to do so by law or in response to a valid request from a government or regulatory authority.

  1. Retention of Your Data

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, or as required by law. When you stop using the app or request deletion of your account, we will securely delete your personal information, except in cases where retention is required by law (e.g., for accounting or regulatory purposes).

  1. User Control and Rights

You have the following rights regarding your personal information:

(1) Access and Correction: You can request access to the personal information we hold about you. If any of your information is incorrect, you may request correction.

(2) Deletion: You can request the deletion of your data at any time through the app settings or by contacting our support team (support@payplan.cloud). Apply to delete personal data. We will process your request within 30 days.

(3) Revocation of Permissions: You can revoke permissions, such as SMS access, in your device settings. This may limit certain features, but your data will remain safe.

  1. Cookies and Tracking

PayPlan may use cookies and similar tracking technologies to improve your experience with the app. These are small files that store information about your device and usage patterns, enabling features like auto-login and personalization. You can manage cookie preferences through your device or browser settings.

  1. Changes to This Privacy Policy

PayPlan reserves the right to modify this privacy policy at any time. If any material changes are made, we will notify you through the app or via email. Please review the policy regularly to stay informed about how we are protecting your data.

  1. Contact Information

If you have any questions about this privacy policy or your personal information, you can contact us at:

  1. Consent

By using PayPlan, you agree to this privacy policy and consent to the collection, use, and sharing of your personal information as described.