Personal Information

• Name, email address, phone number, and business details
• Government-issued identification documents for verification
• Business registration documents and tax identification numbers
• Contact preferences and communication history

Financial Information

• Bank statements and transaction data uploaded for analysis
• Account numbers, transaction amounts, and dates
• Merchant information and transaction categories
• Financial patterns and spending behavior data

Technical Information

• IP address, browser type, and device information
• Usage patterns, feature preferences, and session data
• Log files and system performance metrics
• Cookies and similar tracking technologies

Service Provision

• Analyze bank statements and generate financial insights
• Create customized reports and dashboards
• Provide AI-powered financial recommendations
• Detect anomalies and potential fraud in transactions

Account Management

• Create and maintain your user account
• Authenticate your identity and prevent unauthorized access
• Process payments and manage subscriptions
• Provide customer support and technical assistance

Communication

• Send service updates, security alerts, and important notices
• Respond to your inquiries and support requests
• Share relevant financial insights and industry updates
• Conduct surveys and gather feedback (with your consent)

Encryption & Storage

• All data is encrypted using AES-256 encryption standards
• Secure transmission protocols (TLS 1.3) for data transfer
• Data stored in ISO 27001 certified data centers
• Regular security audits and penetration testing

Access Controls

• Multi-factor authentication for all user accounts
• Role-based access controls for team members
• Regular access reviews and permission updates
• Automated session timeouts and security monitoring

Data Retention

• Financial data retained only as long as necessary for service provision
• Automatic deletion of data after account closure (within 90 days)
• Compliance with regulatory retention requirements
• Secure data destruction using industry-standard methods

We Do Not Sell Your Data

Paykosh does not sell, rent, or trade your personal or financial information to third parties for marketing or commercial purposes.

Limited Sharing Scenarios

• Service Providers: Trusted partners who help us operate our platform (cloud hosting, payment processing)
• Legal Requirements: When required by law, court order, or regulatory authorities
• Business Transfers: In case of merger, acquisition, or sale of business assets
• Consent: When you explicitly authorize us to share specific information

International Transfers

Your data may be processed in countries outside your residence. We ensure adequate protection through:

• Standard contractual clauses approved by regulatory authorities
• Adequacy decisions for data transfer to approved countries
• Binding corporate rules for intra-group transfers

Access & Control

• Access: Request a copy of your personal data we hold
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Receive your data in a machine-readable format

Communication Preferences

• Opt-out of marketing communications at any time
• Customize notification preferences in your account settings
• Unsubscribe from newsletters using the link provided

Exercising Your Rights

To exercise any of these rights, contact us at privacy@paykosh.com or use the contact information provided below. We will respond within 30 days of receiving your request.

Types of Cookies We Use

• Essential Cookies: Required for basic platform functionality
• Performance Cookies: Help us understand how you use our platform
• Functional Cookies: Remember your preferences and settings
• Security Cookies: Protect against fraud and unauthorized access

Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect platform functionality.

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will:

• Notify you of material changes via email or platform notification
• Post the updated policy on our website with the revision date
• Provide a summary of key changes when significant updates occur
• Maintain previous versions for your reference