Last updated: February 2025
1. Information We Collect
We collect information that you provide directly to us:
- Account information (email, name)
- Documents and receipts you upload
- Claim information you create
- Communication preferences
2. Data Ownership and Control
You own your data, period. We want to be absolutely clear about this:
- All documents, receipts, and information you upload belong to you
- We do not analyze, sell, or use your data for any purpose beyond providing the service
- We do not train AI models on your data
- We do not generate analytics or insights from your data
- We do not share your data with any third parties
- You can export or delete your data at any time
3. How We Use Your Information
We use your information solely to:
- Provide the basic PaybackTime service functionality
- Process and organize your documents as explicitly requested by you
- Send essential notifications about your claims
- Maintain service security and prevent abuse
We do not use your data for any other purposes, including marketing, analytics, or service improvements.
4. Data Security
We take the security of your data seriously and implement appropriate technical and organizational measures to protect your information. Your data is encrypted both in transit and at rest.
5. Data Sharing
We do not sell your personal information. We only share your information:
- With other claim members you explicitly invite
- When required by law
- To protect our rights or property
6. Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate data
- Request deletion of your data
- Export your data
- Opt-out of communications
7. Cookies and Tracking
We use essential cookies to maintain your session and preferences. We do not use any third-party tracking or analytics cookies.
8. Changes to This Policy
We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.
9. Contact Us
If you have any questions about this Privacy Policy, please contact us at [email protected].