Privacy Policy

Introduction

PayNGo ("we," "our," or "us") is operated by Vortex Digital Solutions (Private) Limited. We are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and mobile application.

By using PayNGo, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of our services.

Information We Collect

Information You Provide

We may collect information that you provide directly to us, including:

• Account information: Name, email address, and phone number when you create an account
• Contact information: Email address and phone number used for communication and support
• Transaction information: Details about money transfers you initiate, including recipient information, amounts, and payment method details
• Identity verification documents: Government-issued identification and other documents required for KYC compliance
• Payment proof: Receipts or supporting documents you upload for transaction verification

How We Use Your Information

We use the information we collect for the following purposes:

• Service operation: To process money transfers, manage your account, and provide customer support
• Security and fraud prevention: To detect, prevent, and address fraud, unauthorized transactions, and other harmful activities
• Legal and regulatory compliance: To comply with applicable laws and regulations
• Communication: To send you transaction updates, account notifications, and respond to your inquiries
• Service improvement: To understand how our services are used and improve user experience

Important Disclaimer

PayNGo is a technology platform that enables users to submit and track transaction requests through a simple and secure system. PayNGo is not a bank, licensed remittance company, or financial institution. All transaction requests are reviewed and processed manually after verification.

Information 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 may use trusted third-party services such as Google Analytics, Firebase, and hosting providers to improve our services.

Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this policy. Specific retention periods may include:

• Account information is retained while your account is active and for a period after account deletion as required by law
• Transaction records are retained as required by applicable laws and regulations

Data Security

We take reasonable security measures to protect your information. Data is encrypted in transit to help protect your information during transmission. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal retention requirements)
• Withdraw consent for data processing where applicable
• Request a copy of your data in a portable format

To exercise these rights, please contact us at support@payngo.site. You may also submit an account deletion request through our Account Deletion page.

Children's Privacy

PayNGo is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of PayNGo after any changes constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: