Privacy Policy

1.Who we are and what this covers

Your privacy matters to us. This Privacy Policy explains what information Priyo collects, how we use and share it, how long we keep it, and the choices you have.

In this policy, “Priyo”, “we”, “us” and “our” mean Priyo Inc. and its affiliates. It applies to all of our websites, apps and services, future services, and to the single Priyo account that signs you in across them, including:

• Priyo Pay — USD financial accounts and money movement
• Spend Card — virtual and physical payment/spend cards
• Priyo Work — global talent hiring and career services
• Priyo Marketplace — a services marketplace with escrow protection
• Priyo Store — shopping and delivery from overseas stores
• Priyo Payroll — global payroll for remote teams and contractors

Priyo is a financial technology company, not a bank. Where a specific service has its own additional privacy notice, that notice applies together with this one.

2.A quick guide to our services and the information they use

Because one Priyo account works across everything we offer, this policy covers them all. The table shows, at a glance, the main information each service uses.

3.Information we collect

We collect information to provide our services, keep them secure, meet our legal obligations, and improve and develop what we offer.

3.1 Information you give us

• Account and sign-in. Your name, email, phone number, username, password, and the profile details you add, including your photos. One Priyo account signs you in across our services.
• Identity and verification. Because we provide financial services, the law requires us to verify who you are. We collect government-issued ID, National ID (NID) details, passport, date of birth, a photograph or selfie, bank statement, tax identifiers, proof of address, and, for businesses, registration and ownership details.
• Financial and transaction information. Account balances, card details, payments, transfers, funding sources, counterparties, escrow orders and fees.
• Work, marketplace and payroll information. CVs, work history, skills, portfolios, job posts, service listings, projects, bids, reviews, and the worker or contractor details used to run payroll.
• Orders and delivery. For shopping and delivery, the products you request, your shipping address, and order history.
• Content and communications. Messages you send through our services, support tickets, call and chat records, complaints, disputes, reviews, and anything else you submit.

3.2 Information we collect automatically

• Device information. Hardware model, operating system, unique device identifiers, and mobile network information, which we may associate with your Priyo account.
• Log information. How you use our services, telephony log information such as phone numbers and call and message details where relevant, IP address, device events such as crashes and system activity, browser type and language, dates and times of requests, and referral URLs.
• Location information. Approximate location from your IP address, and — where you allow it — more precise location from your device.
• Cookies, local storage and similar technologies. Identifiers stored in your browser or device to keep you signed in, remember your preferences, keep your account secure, and understand how our services are used.
• Device contacts. When you grant permission, we may access contacts from your device to provide certain features; you can withdraw this permission at any time in your device settings.

3.3 Information we get from other sources

• Third-party sign-in. If you choose to sign in using a third-party provider, we receive basic profile information such as your name, email and profile picture to create and connect your Priyo account.
• Our partners and providers. We receive information from the partners and providers who help us deliver our services — including our banking and card-issuing partners, payment processors, identity-verification and fraud-screening providers, card networks and delivery partners — described here by role rather than by name.
• Other people and businesses. The people and businesses you transact with, employers or clients who pay you through Priyo, and workers you pay, may give us information about you so a transaction or payout can be completed.
• Publicly and commercially available sources. Information that is publicly available or provided by others, used to verify details and prevent fraud.

4.How we use your information

We use the information we collect across all Priyo services for the purposes below and for other lawful business purposes. Where the law allows, we may use any information we collect for any of these purposes, and we may combine information from across our services and from the sources described above to do so.

We use your information to:

• provide, maintain and operate our services and your single Priyo account;
• verify your identity and meet our legal and regulatory obligations, including anti-money-laundering, sanctions, tax and record-keeping requirements;
• process payments, transfers, escrow, card transactions, orders and payroll, and send receipts and statements;
• detect, prevent and investigate fraud, misuse, and security or technical issues;
• personalise your experience and show you content, features and offers we think are relevant;
• measure performance and understand how our services are used;
• carry out research and analytics, and to build, train and improve our systems, models and automated processes;
• develop new products, services and features;
• communicate with you, respond to your questions, and handle complaints and disputes;
• send you marketing about our products and services, which you can opt out of at any time; and
• for any other purpose we describe when we collect the information, or that is compatible with the purposes above.

We rely on your consent where the law requires it — for example, for certain marketing or precise location — and otherwise use your information to the fullest extent permitted by applicable law. If we want to use your information for a purpose that is materially different and not compatible with those above, we will ask for your consent or give you notice as the law requires.

5.How we share your information

We do not sell your personal information. We share information only as set out below.

6.Transparency and your choices

We aim to be clear about the information we hold and to give you control over it. Depending on where you live, you have some or all of the choices below.

To use any of these, contact us using section 13, or manage your account in the app or at accounts.priyo.com. You can request account deletion in the app, by emailing [email protected], or by signing in at accounts.priyo.com. We usually process deletion requests within 7 working days, after which you will not be able to sign in. We may keep some information — such as your phone number and email — where we need it for legal, security or fraud-prevention purposes. We verify your identity before acting on a request.

7.How we keep records and how long

We keep your information for as long as your account is open and afterwards for as long as we need it for the purposes in this policy and to meet our legal obligations. Because we provide regulated financial services, we must keep certain records — including transaction records, statements, communications and complaints — for at least five years, and longer where the law requires. Where more than one period could apply, we keep the information for the longest of them.

For business account verification, we use Stripe Identity to verify the identity of business representatives and owners. Stripe retains non-biometric verification data (including ID document images, name, date of birth, and verification results) for a period of between 3 and 7 years. Any biometric data collected during verification is deleted within 1 year.

When we no longer need information, we delete it or make it anonymous. After you delete information, residual copies may remain in our backups for a period before they are overwritten.

8.International transfers

Priyo operates across borders. We process information on servers in a number of countries, and your information may be stored and processed outside the country where you live, including in countries with different data-protection laws. Where we transfer information internationally, we take steps to protect it as required by applicable law.

9.Security

We work to protect your information from unauthorized access, alteration, disclosure and destruction. Our measures include:

No system is perfectly secure, so please protect your sign-in details and tell us immediately if you think your account has been compromised.

10.Children

Our services are for adults. They are not directed to anyone under 18, and we do not knowingly collect information from anyone under 18. If you believe a minor has given us information, contact us and we will delete it.

11.Other sites and services

Our services may link to sites and services we do not control. This policy does not cover them. Please read their own privacy policies before using them.

12.Changes to this policy

We may update this policy from time to time. We will not reduce your rights without your consent. We will post changes here, update the date above, and — if a change is significant — give you more prominent notice, such as an email. We keep prior versions available on request.

13.How to contact us