1. Who we are
Payfazt is a trademark of 231 Business Solutions L.L.C. (“we”, “us”). This policy explains what information we collect when you use the Payfazt app, how we use it, and your choices.
2. Information we collect
- Account details: your name, username, phone number, email address and, if you choose to add one, a profile photo.
- Bank details: the bank accounts you link, such as account name, sort code and account number, so you can send and receive payments.
- Payments and requests: the amount, the other person, the date and any message you add.
- Contacts: with your permission, we check your contacts' phone numbers against Payfazt users to show you which friends are on Payfazt. Only phone numbers are checked, and they aren't stored.
- Device information: a notification token so we can send you alerts, plus basic device details such as model and operating system.
- Usage and crash data: how you use the app, such as which features you open, and crash reports when something goes wrong, so we can fix problems.
We do not collect your location. Near Me uses Bluetooth to find Payfazt users close to you. On some older Android phones the system asks for location permission to allow Bluetooth scanning, but your location is never sent to us.
3. How we use your information
To create and run your account, link your banks, make and track payments and requests, show you friends on Payfazt, send you notifications, keep your account secure and prevent fraud, fix problems and improve the app, and meet our legal obligations.
4. Who we share it with
We never sell your personal information. We share it only with:
- Salt Edge, our regulated open banking provider, which connects your bank accounts and sends payments.
- Service providers that help us run Payfazt: Amazon Web Services (hosting), Google Firebase (notifications), Twilio and SendGrid (verification codes), Amplitude (usage analytics) and Sentry (crash reports).
- Other Payfazt users: your name, username and profile photo are visible to people you pay or request from, people who search for you, and, if you're discoverable, people nearby using Near Me.
- Authorities, when the law requires it.
5. Security
We use encryption and secure sign-in (one-time codes, a PIN and optional biometric login). No system is 100% secure, but we work hard to protect your data.
6. Biometric login
If you turn on Face ID, Touch ID or fingerprint login, your phone handles it. Payfazt never sees or stores your biometric data.
7. How long we keep it
We keep your information while your account is open, and afterwards only as long as the law requires.
8. Deleting your account
You can delete your account at any time in the app (Profile → Delete Account) or by following the steps at payfazt.com/delete-account.html.
9. Your rights
You can ask to access, correct, delete or get a copy of your data, object to how we use it, or withdraw your consent, by emailing support@payfazt.com. You can turn off contacts, Bluetooth and notifications at any time in your phone's settings.
10. Age
Payfazt is only for people aged 18 or over. We don't knowingly collect data from anyone younger.
11. Changes
If we make important changes to this policy, we'll let you know in the app or by email.
12. Contact
Email: support@payfazt.com