Privacy Policy

1. Introduction

PayRef ("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 referral tracking platform.

By using PayRef, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We collect information that you provide directly to us:

• Name and email address
• Phone number
• Business information (for business accounts)
• Payment details (UPI ID, bank account information)
• Profile information and preferences

2.2 Automatically Collected Information

When you use our platform, we automatically collect:

• IP address and device information
• Browser type and operating system
• Referral URLs and click data
• Usage patterns and preferences
• Cookies and similar tracking technologies

2.3 Lead Information

When leads are created through referral links, we collect their name, email, phone number, and any additional information they provide.

3. How We Use Your Information

We use the collected information for:

• Service Delivery: To provide and maintain our referral tracking platform
• Account Management: To create and manage your account
• Communication: To send you updates, notifications, and marketing communications
• Analytics: To understand usage patterns and improve our service
• Commission Tracking: To calculate and track referral commissions
• Customer Support: To respond to your inquiries and provide assistance
• Security: To protect against fraud and unauthorized access
• Compliance: To comply with legal obligations

4. Information Sharing and Disclosure

4.1 With Other Users

Businesses can see referrer payment details (UPI/bank information) for commission payments. Referrers can see lead status updates but not personal lead details.

4.2 Service Providers

We share information with third-party service providers who help us operate our platform:

• Email service providers (Brevo)
• Payment processors (Razorpay)
• Cloud hosting providers
• Analytics services

4.3 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of data in transit and at rest
• Secure authentication using JWT tokens
• Regular security audits and updates
• Access controls and monitoring
• Secure database with Prisma ORM

However, no method of transmission over the Internet is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Your Rights and Choices

You have the right to:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your account and data
• Opt-out: Unsubscribe from marketing communications
• Data Portability: Request a copy of your data in a portable format
• Object: Object to certain processing of your information

To exercise these rights, please contact us at support@payref.com

7. Cookies and Tracking

We use cookies and similar tracking technologies to track activity on our platform and store certain information. You can instruct your browser to refuse all cookies or indicate when a cookie is being sent.

8. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. When you delete your account, we will delete or anonymize your information within 30 days, except where we are required to retain it for legal or regulatory purposes.

9. Children's Privacy

Our service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us.

10. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction. We will take all steps reasonably necessary to ensure that your data is treated securely.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us: