Effective Date: 15 May 2026
Paylio (“the App”, “we”, “our”, or “us”) is a personal finance and expense management application designed to help users track expenses, budgets, borrow/lend transactions, and related financial activities.
We respect your privacy and are committed to protecting your information.
Depending on how you use Paylio, we may collect:
Name
Email address
Phone number
Authentication information
Expenses and income entries
Budget information
Borrow/lend records
Account and category information
Uploaded receipts or supporting documents
Device type
Operating system
App version
Notification token (for push notifications)
We use collected information to:
Provide and operate Paylio features
Synchronize your data across devices
Enable borrow/lend transaction approvals
Send notifications related to approvals and reminders
Improve app stability and performance
Provide customer support
Paylio uses services provided by Firebase, a platform operated by Google, for authentication, cloud storage, notifications, and related backend services.
Your data may be securely stored on Firebase infrastructure.
We do not sell your personal information.
Your information is only shared:
with other Paylio users when you intentionally create shared borrow/lend transactions
with service providers required for app functionality (such as Firebase/Google services)
Paylio may send push notifications for:
transaction approvals
returned transactions
reminders
important account-related activity
You may disable notifications through your device settings.
We take reasonable measures to help protect your information. However, no system can guarantee absolute security.
Users are responsible for protecting access to their own devices and accounts.
Paylio is not intended for children under 13 years of age.
You may:
stop using the app at any time
request account deletion in future versions where supported
We may update this Privacy Policy from time to time. Updates will be reflected within the app or related services.
For questions regarding this Privacy Policy, please contact:
Paylio Support
Email: support@paylio.app