Privacy Policy

FAQs

What information do you collect?

We collect Government-issued Documents your email, mobile number, and password to enable service use, excluding sensitive documents.

Do you track my location?

No location tracking is performed; your location data is neither collected, tracked, nor used in any way.

Do you use third-party services?

We do not use any third-party tools, SDKs, analytics, or ad networks; all processes are handled internally.

How does the app work?

Payngo enables Malaysian users to request money transfers to Pakistan via a manual deposit system.

Is my personal data safe?

Yes, we limit data collection to essentials and maintain strict internal controls to protect your privacy.

Can I opt out of data collection?

Data collected is essential for service; currently, opting out is not possible without disabling account use.

Privacy Policy for PayNGo
Last Updated: 1st April 2026

PayNGo: is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application and services.

1. Information We Collect

We may collect the following information from users:

• Full Name

• Email Address

• Mobile Number

• Passport Number (for identity verification purposes)

• Transaction Details (deposit and withdrawal requests)

• Payment Proof (such as screenshots or receipts uploaded by the user)

We do NOT collect sensitive financial information such as bank passwords, ATM PINs, or card CVV numbers.

2. How We Use Your Information

We use the collected information to:

• Process deposit and withdrawal requests

• Verify transactions manually

• Maintain transaction records

• Prevent fraud and misuse

• Provide customer support

• Improve our services

3. Manual Transaction System

PayNGo operates as a manual remittance facilitation platform.

• Users send payments via bank transfer or QR methods

• Users upload payment proof, submit application

• Our team manually verifies each transaction

• Account balance is updated after successful verification

PayNGo does NOT provide automated wallet, banking, or financial services.

4. Identity Verification (KYC)

To ensure security and prevent fraud, we may collect identity information such as Passport Number.

• This data is used only for verification purposes

• Access to this information is restricted to authorized personnel

• We do not share this data with unauthorized third parties

5. Data Sharing

We do NOT sell, rent, or trade your personal information.

We may share data only:

• If required by law

• To prevent fraud or security threats

• We retain user data only as long as necessary for service and legal purposes”

6. Data Security

We take reasonable security measures to protect your information. However, no method of transmission over the internet is 100% secure.

7. User Responsibility

Users are responsible for providing accurate information. Any misuse of the platform may result in suspension or termination of the account.

8. Your Rights

You have the right to:

• Request correction of your personal data

• Request account deletion

• Contact us regarding privacy concerns

9. Policy Updates

We may update this Privacy Policy from time to time. Changes will be posted on this page.

10. Important Disclaimer

PayNGo is not a bank, financial institution, or licensed money transfer service.
It is a manual facilitation platform for user-initiated transactions.

All transactions are processed manually after verification.

11. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, please contact us at:

Vortex Digital Solutions Pvt.Ltd

Gujranwala, Pakistan

📧 Email: vortexdigitalspport@gmail.com
📞 WhatsApp: +60 11-3081 4539

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