Privacy Policy – PayLater

Information We Collect

1. Personal Information (Provided by You)

• Full name
• Mobile number
• Email address
• Business name and details
• Profile data
• Customer information added by you (names, balances, phone numbers)

2. Financial & Transaction Data

• Credit records
• Repayment history
• Amounts owed and collected
• Transaction timestamps
• Payment confirmation data from our payment gateway (PayHere)

3. Device & App Usage Information

Collected automatically to improve functionality:

• Device type, operating system, and app version
• Usage logs and activity within the app
• Crash reports and performance analytics

4. Cloud Storage Information

For features such as customer data backup, reports, and analytics, we use:

• Firebase Firestore
• Firebase Storage
• Firebase Authentication

How We Use Your Information

• Provide core PayLater services (credit tracking, repayment management, notifications)
• Sync your data securely across devices via Firebase
• Improve app performance, stability, and user experience
• Offer customer support and respond to inquiries
• Send reminders, alerts, and important announcements
• Prevent fraud, unauthorized access, and abuse of the app
• Process and verify payments via trusted payment partners

We do not use your business or customer data for marketing without your explicit consent.

Information Sharing

We respect your privacy and do not sell or trade your information. However, we may share your data in the following situations:

1. Trusted Service Providers

We use third-party services to run PayLater securely:

• Firebase (storage, authentication, crash analytics)
• Payment gateways (PayHere)

These providers are contractually obligated to keep your data secure and confidential.

2. Legal or Regulatory Reasons

We may disclose information when required by law enforcement, court orders, or government authorities—only when legally necessary.

Data Retention and Deletion

PayLater retains personal, customer, credit, loan, payment, and transaction information for as long as necessary to provide the PayLater service, maintain accurate financial and credit records, support transaction history and account balances, and comply with applicable legal, regulatory, security, fraud-prevention, and record-keeping requirements.

Customer and borrower information recorded in PayLater forms part of the financial and credit records maintained by the relevant shop or business using the service. Because these records may be required to preserve accurate outstanding balances, payment histories, and transaction records, they may be retained for the period necessary for those purposes.

PayLater does not currently provide an automated mechanism for deleting individual financial or credit records where deletion would affect the accuracy or integrity of associated balances, payment histories, or transaction records.

For questions regarding the retention of personal information or PayLater's data practices, please contact us at contact.helixaa@gmail.com.

Children's Privacy

PayLater is intended for use by business owners and individuals who are at least 18 years old. We do not knowingly collect personal information from children under the age of 13 (or 16 depending on local law). If we become aware that information relating to a child has been provided to PayLater, we will take appropriate steps in accordance with applicable legal and data protection requirements.

Data Security

• Encrypted communication (HTTPS)
• Secure cloud storage
• Authentication-protected access
• Regular security audits

While we work hard to protect your data, no digital platform can guarantee 100% security.

Customer Data Responsibility

PayLater allows business owners to store customers' credit and repayment data. You are responsible for ensuring the data you provide is accurate and legally obtained.

We do not access or modify your customer records unless required for:

• Technical troubleshooting
• Account support
• Legal compliance

Cookies & Tracking Technologies

Since PayLater is a mobile application, we use equivalent technologies such as:

• Firebase Analytics
• Device identifiers
• In-app tracking metrics

You may disable tracking via device settings, but some features may be affected.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Last Updated" date. Review this policy periodically to stay informed.

Contact Us

If you have any questions or concerns:

PayLater Support Team

• ✉ Email: contact.helixaa@gmail.com
• 📞 Phone: 0767071129
• 🌐 Website: www.helixaa.com