Privacy Policy

1. Introduction

PaySplit, operated by Pay Split and developed by Muhammad Ali ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you register as a seller on our platform ("PaySplit").

PaySplit facilitates the creation of professional invoices and payment collection for businesses. We integrate with Stripe for secure payment processing. By registering and using PaySplit, you agree to this Privacy Policy.

2. Information We Collect

2.1 Business Information

When you register as a seller on PaySplit, we collect:

• Personal Information: Full name, email address, phone number
• Business Details: Business name, business type (e.g., LLC, sole proprietorship), business address
• Tax Information: Tax ID (EIN or SSN) for tax compliance
• Payment Information: Bank account details for receiving payments via Stripe

2.2 Invoice and Transaction Data

• Invoice templates and customizations
• Customer information you add to invoices
• Payment preferences and installment options (2-4 installments)
• Transaction history and payment records

2.3 Usage Information

• Device information and IP addresses
• App usage analytics (features used, login times)
• Performance data to improve our services

3. How We Use Your Information

We use your information to:

• Create and manage your seller account
• Enable invoice creation and customization
• Process payments through Stripe
• Facilitate installment payment options for your customers
• Send payment notifications and invoice updates
• Provide customer support
• Comply with legal and tax obligations
• Improve PaySplit's functionality and user experience
• Prevent fraud and ensure platform security

4. Payment Processing

PaySplit partners with Stripe for all payment processing. When you create an invoice and receive payments:

• Payment information is securely transmitted to Stripe
• We do not store credit card numbers or sensitive payment data
• Stripe handles all PCI compliance and payment security
• Your bank account information is shared with Stripe for payouts

Please review Stripe's Privacy Policy for details on how they handle payment data.

5. Communication Preferences

By registering, you consent to receive:

• Essential Communications: Payment confirmations, invoice status updates, security alerts
• Account Communications: Account setup, verification, and important updates
• Marketing Communications: Product updates, new features, and promotional offers (you can opt-out)

You may opt out of marketing emails by clicking "unsubscribe" in any marketing email. Essential service communications cannot be opted out of while you maintain an active account.

6. Information Sharing

We share your information only when necessary:

• With Stripe: For payment processing and compliance
• With Service Providers: Trusted vendors who help operate PaySplit (hosting, analytics, support)
• For Legal Compliance: When required by law, court order, or to protect our rights
• Business Transfers: In the event of a merger, acquisition, or sale of assets

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

7. Data Security

We implement industry-standard security measures to protect your information:

• SSL/TLS encryption for data in transit
• Encryption of sensitive data at rest
• Regular security audits and updates
• Access controls and authentication measures
• Secure cloud infrastructure

While we strive to protect your information, no method of electronic storage or transmission is 100% secure. You are responsible for maintaining the security of your account credentials.

8. Data Retention

We retain your information for as long as your account is active or as needed to:

• Provide our services
• Comply with legal obligations (e.g., tax records for 7 years)
• Resolve disputes and enforce agreements

You may request account deletion by contacting us. After deletion, we may retain certain information as required by law.

9. Your Rights

Depending on your location, you may have the right to:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Portability: Receive your data in a portable format
• Objection: Object to certain data processing activities

To exercise these rights, contact us at the email provided below. We will respond within the timeframe required by applicable law.

10. GDPR Compliance (European Users)

For users in the European Economic Area (EEA), we process data as a controller under GDPR. Our lawful bases for processing include:

• Contract performance (to provide our services)
• Legal obligations (tax and regulatory compliance)
• Legitimate interests (fraud prevention, platform improvement)
• Consent (for marketing communications)

11. CCPA Compliance (California Users)

California residents have additional rights under CCPA, including the right to know what personal information we collect, delete personal information, and opt-out of any sale of personal information (we do not sell personal information).

12. International Data Transfers

PaySplit operates globally. Your information may be transferred to and processed in countries outside your location. We ensure appropriate safeguards are in place for international transfers.

13. Children's Privacy

PaySplit is not intended for users under 18 years of age. We do not knowingly collect information from minors. Business accounts should only be created by authorized adults.

14. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or in-app notification. The "Last Updated" date will reflect the most recent revision.

15. Contact Us