Privacy Policy

Payback LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Payback application and related services.

Information We Collect

Personal Information

We collect personal information that you provide directly to us when you register or use our services, including:

• Name, username, and contact information (such as email and phone number)
• Payment usernames (Venmo, Cash App)
• Authentication status
• Profile preferences

Transaction and Usage Information

When you use our service to log expenses and transactions, we collect:

• Receipt details including item names, prices, quantities, and item types
• Transaction metadata such as merchant name, total amount, date and time
• Split details including friends involved and amounts owed

Automatically Collected Information

We also automatically collect certain data to improve your experience and our service functionality:

• Device information and unique identifiers
• Usage analytics and behavioral data
• Location information (only with your explicit consent)
• Cookies and similar tracking technologies

How We Use Your Information

We use the collected information to:

• Provide, operate, and maintain our services
• Process transactions and handle payment splits
• Send service-related notifications and updates
• Enhance and personalize your experience
• Analyze usage to improve our platform
• Meet legal and regulatory requirements
• Prevent fraud and ensure security

Information Sharing

We do not currently sell or trade your personal information. However, future monetization strategies may involve data sharing. We may share your information in these cases:

• With your explicit consent
• With trusted service providers who support our operations
• To comply with legal obligations
• To protect our rights and user safety
• During mergers, acquisitions, or business transfers

Data Security

We apply technical and organizational safeguards to protect your data from unauthorized access, alteration, or destruction. Nonetheless, no internet transmission is entirely secure.

Data Retention

Your data is retained as long as necessary to provide services and fulfill legal requirements. For example, transaction and client data are kept to maintain accurate records and enable your continued use of the Payback app.

Your Rights

Depending on your jurisdiction, you have rights regarding your personal data, such as:

• Accessing and obtaining a copy of your data
• Requesting corrections or updates
• Deleting your information
• Restricting or objecting to data processing
• Data portability

Children's Privacy

Our services are not intended for children under 13 years old, and we do not knowingly collect personal information from children under 13.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to provide and improve our services, understand user behavior, and personalize content. You can manage your cookie preferences through your browser settings.

International Data Transfers

Your information may be transferred to and stored on servers outside your country of residence. We take appropriate measures to ensure your data is protected in accordance with this Privacy Policy and applicable laws.

Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted here, and the "Last updated" date will be revised accordingly.

Contact Us

For questions about this Privacy Policy, please contact us at: