PayUp Mobile
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Privacy Policy

Effective Date: February 12, 2025
Last Updated: February 12, 2025

1. Introduction

Welcome to PayUp Mobile (“PayUp Mobile,” “we,” “our,” or “us”).

PayUp Mobile is a mobile application and website located at https://payupmobile.app (collectively, the “Services”) designed to help users track shared expenses and manage payment-related communications.

We are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains:

  • What information we collect
  • How we use that information
  • How we protect it
  • Your rights and choices
  • How SMS communications are handled

By accessing or using the Services, you agree to the terms of this Privacy Policy.

2. Scope of This Policy

This Privacy Policy applies to:

  • The PayUp Mobile iOS and Android applications
  • The website located at https://payupmobile.app
  • Any related services, communications, and support interactions

This Policy does not apply to third-party services that you may access through external links.

3. Information We Collect

We collect information in the following categories:

3.1 Information You Provide Directly

When you use PayUp Mobile, we may collect:

  • Full name
  • Email address
  • Mobile phone number
  • Account credentials
  • Expense and group information
  • Transaction descriptions and amounts
  • Messages and invitations sent within the app
  • Support communications

We collect only the information necessary to provide the Services.

3.2 Phone Number & SMS Information

When you provide your mobile phone number, we may use it to:

  • Send one-time password (OTP) verification codes
  • Send account-related notifications
  • Deliver user-initiated invitations
  • Send expense-related transactional notifications

If you enter another individual’s phone number to send an invitation, that number is used solely to deliver the requested message.

We do not send promotional or marketing SMS messages.

Message frequency varies based on user activity. Message and data rates may apply.

Users may opt out at any time by replying STOP to any PayUp Mobile message. Users may request assistance by replying HELP. Opting out may limit certain features, including phone-based verification.

3.3 Automatically Collected Information

When you access the Services, we may automatically collect:

  • Device type and model
  • Operating system version
  • IP address
  • App usage data
  • Crash logs and diagnostic information
  • Date and time of access

This information helps us maintain security and improve functionality.

4. How We Use Your Information

We use collected information to:

  • Create and manage user accounts
  • Authenticate users via secure verification methods
  • Provide expense tracking functionality
  • Deliver transactional notifications
  • Facilitate user-initiated messaging
  • Improve and maintain the Services
  • Detect fraud, abuse, and unauthorized access
  • Comply with legal obligations

We do not sell, rent, or trade personal information.

5. Legal Basis for Processing (Where Applicable)

Depending on your jurisdiction, we process personal data based on:

  • User consent
  • Performance of a contract
  • Compliance with legal obligations
  • Legitimate business interests

6. Information Sharing and Disclosure

We may share information only in the following circumstances:

6.1 Service Providers

We engage trusted third-party providers to assist in operating the Services, including:

  • Authentication and database infrastructure providers
  • Cloud hosting providers
  • SMS delivery providers (e.g., Twilio)

These providers process data solely on our behalf and under contractual confidentiality obligations.

6.2 Legal Requirements

We may disclose information if required to:

  • Comply with applicable laws or regulations
  • Respond to lawful requests
  • Protect the rights, safety, or property of PayUp Mobile or users
  • Prevent fraud or abuse

7. Data Retention

We retain personal information only as long as necessary to:

  • Provide the Services
  • Maintain account functionality
  • Comply with legal requirements
  • Resolve disputes
  • Prevent fraud

Users may request deletion of their account at any time.

8. Data Security

We implement commercially reasonable safeguards to protect personal information, including:

  • Encrypted data transmission (HTTPS/TLS)
  • Secure authentication controls
  • Role-based access controls
  • Monitoring and logging systems

While we take reasonable steps to protect data, no method of transmission or storage is 100% secure.

9. User Rights and Choices

Depending on your jurisdiction, you may have rights to:

  • Access your personal information
  • Correct inaccurate data
  • Request deletion of your data
  • Restrict processing
  • Request data portability

Requests may be submitted to: [email protected]. We will respond in accordance with applicable law.

10. Children’s Privacy

PayUp Mobile is not intended for children under the age of 13.

We do not knowingly collect personal information from children under 13. If we become aware that such data has been collected, we will take appropriate steps to delete it.

11. International Users

If you access PayUp Mobile from outside the United States, your information may be transferred to and processed in the United States or other jurisdictions where our service providers operate.

By using the Services, you consent to such transfers.

12. Third-Party Links

The Services may contain links to external websites. We are not responsible for the privacy practices or content of third-party websites.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. When updates occur, we will revise the “Last Updated” date.

Continued use of the Services after changes constitutes acceptance of the updated Policy.

14. Contact Information

If you have questions about this Privacy Policy, please contact:

PayUp Mobile
Website: https://payupmobile.app
Email: [email protected]