Terms & Conditions
1. Information Collection
1.1 Financial Information
We collect financial data from users to provide services such as income and expense tracking, budgeting, and automatic transaction logging.
1.2 Contact List Data
With your permission, we may collect and store your contact list data to enhance features like transaction tracking and contact management.
1.3 Location Data
We may collect your location data with your explicit consent. This information is used to provide insights into transaction locations and improve your overall experience.
1.4 Device Information and Telemetry Data
We may collect certain device information and telemetry data to diagnose issues, enhance performance, and improve our services.
1.5 Cookies
We use first-party and third-party cookies to enhance your user experience. Cookies help us remember your preferences, understand usage patterns, and provide a more personalized experience.
2. Use of Data
2.1 Improving User Experience
We may process your data using third-party services to optimize and improve the user experience. For example, financial insights, data backups, and analytics may involve trusted third-party providers.
2.1 Retention of Data
We may retain user data, including but not limited to metadata, transactional logs, and analytical artifacts, for a predefined retention period post-account termination, as mandated by compliance requirements or operational exigencies. Such retention may also support forensic investigations, performance analytics, and system audits.
2.2 Retention of Data
Certain user data may be retained for a defined period after account termination to comply with legal requirements, resolve disputes, or enforce our agreements.
3. User Responsibilities
3.1 Accuracy of Information: You are responsible for ensuring the accuracy of the financial and personal data you provide.
3.2 Compliance: You agree to comply with all applicable laws and regulations while using our services.
4. Data Privacy and Security
We prioritize the security and privacy of your data. All data is stored with the utmost security using industry-leading encryption protocols. Certain sensitive information, is encrypted both at rest and in transit to provide an extra layer of protection. Additionally, access to your data is restricted and monitored to prevent unauthorized use. Read more in our Privacy Policy.
5. Third-Party Services
Our application may include integrations with third-party services. By using PaiPai, you consent to the processing of your data by these services in accordance with their privacy policies.
6. Liability Disclaimer
6.1 Data Integrity
PaiPai utilizes industry-standard protocols, encryption algorithms, and data redundancy mechanisms to protect user data. However, PaiPai disclaims any liability for the permanent availability, completeness, or real-time accessibility of such data, which may be impacted by external factors, including cyberattacks, catastrophic events, or hardware malfunctions.
6.2 Limitation of Liability
PaiPai is not liable for any direct, indirect, incidental, or consequential damages resulting from:
- Unauthorized access to or alteration of your data.
- Data loss due to technical failures, hacking, or force majeure events.
- Service interruptions, errors, or other issues arising from third-party providers.
6.3 User Responsibility for Security
You are responsible for safeguarding your account credentials and ensuring that your device and internet connection are secure.
7. Account Termination
Account termination triggers a decommissioning workflow, encompassing the phased erasure of user-generated data, anonymization of residual datasets, and de-linking of transactional dependencies. Certain archival data elements may persist in our systems for regulatory compliance, debugging, or analytics purposes, consistent with retention protocols and legal directives.
8. Changes to the Terms
We may update these terms from time to time. Significant changes will be communicated through in-app notifications or email. Continued use of the app after changes indicates your acceptance of the updated terms.
9. Contact Us
For questions or concerns about these terms, please contact us at [email protected].