Privacy Policy

Last updated: September 2026

Payo ("we", "us", or "our") operates payoapp.org and the Payo mobile application. This Privacy Policy explains how we collect, use, and protect your personal information when you use our services.

Information We Collect

We collect the following information when you use Payo:

Name and email address (for account creation via Clerk)
Nigerian bank account details (for payment settlements via Paystack)
BVN verification data (processed by Paystack, not stored by Payo)
Invoice and payment history
Business information you provide — name, services, location, photos
Scanned documents and receipts you upload
Device information and app usage data
WhatsApp number (if provided for notifications)

How We Use Your Information

To provide invoicing and payment collection services
To create and host your free Payo business page
To send payment notifications via WhatsApp and email
To calculate your earnings tier and Revenue Share
To generate your business QR code
To process document scanning and expense tracking
To comply with Nigerian financial regulations including FIRS tax reporting
To improve the Payo platform

Payment Processing

All payments are processed by Paystack, a CBN-licensed payment processor. We do not store card details. Bank account details are encrypted and used only for payment settlements to your Nigerian bank account.

Data Sharing

We do not sell your personal data to third parties. We share data only with trusted service providers necessary to operate Payo:

Paystack — payment processing and bank verification
Clerk — secure authentication
Resend — email delivery
Twilio — WhatsApp notifications
Supabase — encrypted data storage
Anthropic — AI invoice processing (no personal data retained)
Nigerian regulatory authorities when required by law

Data Security

We protect your data using industry-standard encryption, PostgreSQL row-level security, regular security audits, and HTTPS for all data transmission. Only our server can access your financial data — public database keys have zero privileges on user data tables.

Your Rights

You have the right to:

Access your personal data
Correct inaccurate information
Delete your account and all associated data
Export your invoice and payment history
Opt out of WhatsApp notifications

To exercise these rights, email us at support@payoapp.org

Data Retention

We retain your data for as long as your account is active. Upon account deletion we permanently remove all personal data within 7 business days, except where Nigerian law requires longer retention of financial records.

Children's Privacy

Payo is intended for users 18 years and older. We do not knowingly collect personal information from minors. If you believe a minor has created an account please contact us immediately.

Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or in-app notification at least 7 days before changes take effect.

Contact Us

For privacy questions or concerns:
Payo
Email: support@payoapp.org
Website: payoapp.org

← Back to Payo