Privacy Policy for Payvo

Effective Date: June 20, 2026

1. Introduction

Welcome to Payvo (“we,” “our,” or “us”), a mobile application developed, published, and maintained by Yogendra K.C. Khatri.

We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy explains what information we collect, how we use it, how it is shared, and your rights regarding your data.

By using Payvo, you agree to the practices described in this policy.

2. Information We Collect

We collect the following types of information to provide and improve our services.

2.1 Account Information

When you register an account, we may collect:

• Name

• Email address

2.2 Customer Data & Device Contacts

To help you manage invoices and customer relationships, you may store:

• Customer names

• Phone numbers

• Email addresses

• Physical addresses

Contacts Access: To make it easier to add customers, Payvo may request permission to access your device's contact list. We only access and upload the specific contact(s) you explicitly select to auto-fill customer details within the app. We do not continuously sync, upload, or store your entire address book on our servers.

2.3 Invoice and Business Data

We store information you create within the app, including:

• Invoices

• Payment records

• Invoice statuses (paid/unpaid/pending) Note: Payvo does not process payments directly and does not store credit card or banking details.

2.4 Device and Usage Information

We may automatically collect:

• Device type and operating system

• Push notification tokens

• Crash reports and diagnostic data

• Anonymous usage analytics

This data helps us improve app performance and reliability.

3. How We Use Your Information

We use collected information to:

3.1 Provide Core Features

• Create and manage user accounts

• Generate and store invoices

• Manage customer records

• Track payment status

3.2 Communication and Notifications

• Send automated invoice reminders

• Deliver important app or account notifications via push notifications, email, or integrated services (like WhatsApp)

3.3 Improve and Maintain the App

• Identify and fix bugs

• Improve performance and stability

• Enhance user experience

• Strengthen security

4. Customer Data Responsibility

You are responsible for ensuring that you have the legal right or consent to store and process any customer data (including imported contacts) you enter into Payvo.

5. Data Sharing

We do not sell, rent, or trade your personal or customer data.

We may share limited data with trusted third-party service providers only as necessary to operate the app:

• Supabase – Secure database, backend services, and user authentication

• Firebase Cloud Messaging (FCM) – Reliable push notification delivery

• Sentry – Error tracking and crash reporting

These providers are contractually required to handle data securely and strictly for service functionality.

6. Data Security

We use appropriate technical and organizational measures to protect your data from unauthorized access, alteration, disclosure, or destruction.

However, no method of online transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your data only as long as necessary to provide our services:

• Account, invoice, and customer data: Retained while your account is active.

• Crash logs and diagnostic data: Typically retained for up to 90 days.

8. Account Deletion

You may request deletion of your account and associated data at any time.

• In-App Deletion: Navigate to Settings → Delete Account

• Email Request: 📧 Email: kisankhadka28@gmail.com

Upon verification, we will delete your data from active systems within 30 days, unless retention is strictly required by law.

9. Children's Privacy

Payvo is not intended for children under 13 years of age. We do not knowingly collect personal data from children. If we discover that a child has provided personal information, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected within the app and on our website, along with an updated effective date.

11. Contact Us

If you have any questions about this Privacy Policy, you can contact us:

• Developer: Yogendra K.C. Khatri

• Email: kisankhadka28@gmail.com