Privacy Policy

Section 01

Introduction

Thank you for choosing Payluk. Protecting your privacy is essential to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial services platform.

By using Payluk, you agree to the collection and use of information in accordance with this policy. We are committed to maintaining transparency and giving you control over your personal data.

Section 02

Data We Collect

We may collect the following types of information:

Personal Information

• Full name and contact details
• Email address and phone number
• Government-issued ID verification
• Bank account information

Platform Data

• Transaction history and patterns
• Device and browser information
• IP address and location data
• Platform usage analytics

Section 03

How We Use Your Data

We use the information we collect for the following purposes:

Process and facilitate secure financial transactions

Verify your identity and prevent fraud

Improve and personalize our services

Provide customer support and respond to inquiries

Send important notifications about your account

Comply with legal and regulatory requirements

Conduct security audits and platform maintenance

Section 04

Data Protection & Security

We implement industry-standard security measures to protect your personal data, including:

Encryption

End-to-end encryption for all sensitive data

Secure Servers

Protected infrastructure with regular monitoring

Regular Audits

Continuous security assessments and updates

Section 05

Disclosure to Third Parties

Important Notice

We do not sell, trade, or transfer your personal data to outside parties for marketing purposes.

We may share your information only in these specific circumstances:

With trusted service providers who assist in platform operations (under strict confidentiality agreements)
When required by law, regulation, or legal process
To protect the security and integrity of our platform
With your explicit consent for specific purposes

Section 06

Your Rights & Controls

You have the following rights regarding your personal data:

Access

Request access to your personal data we hold

Correction

Request corrections of incorrect or incomplete data

Deletion

Request deletion of your personal data

Portability

Request a copy of your data in a portable format

Objection

Object to our processing of your data

Restriction

Request restriction of data processing

To exercise any of these rights, please contact our privacy team at [email protected]

Section 07

Cookies & Tracking

We use cookies and similar tracking technologies to enhance your experience and collect analytics data about platform usage.

Types of Cookies We Use:

Essential: Required for platform functionality

Analytics: Help us understand how you use our platform

Preferences: Remember your settings and preferences

Security: Protect against fraud and unauthorized access

You can control cookie preferences through your browser settings, though some features may not function properly if cookies are disabled.

Section 08

Policy Updates

We may update this privacy policy periodically to reflect changes in our practices or applicable laws. When we make significant changes, we will:

Notify you via email and platform notifications
Post the updated policy on this page with a new effective date
Provide a summary of key changes when applicable

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