Privacy Policy

1. Information we collect

1.1 Depending on how you use Payowire, we collect:

1.2 Some information we collect, such as information about criminal offences or sanctions, may be sensitive. Selfie and liveness checks may involve biometric processing by our identity verification providers solely to confirm that you are the person in your identity document. We process such data only where permitted by law.

2. Where we get your information

• From you – when you register, verify your identity, use the Services, or contact us.
• From your use of the Platform – automatically, through logs, cookies and similar technologies.
• From Partners – banks, card issuers, payment processors and networks, which send us information about your transactions and cards.
• From third parties – identity verification and document-check providers, sanctions and PEP screening services, fraud-prevention databases, public registers (such as company registries), referrers, and other users who send you money or refer you.

3. How we use your information and our legal bases

3.1 We do not sell your personal information. We do not use your data for automated decisions that produce legal effects on you without appropriate safeguards; however, we use automated tools in fraud detection, sanctions screening and identity verification, and these may result in an application being declined or a transaction being held for human review. You can ask for a human review of such a decision.

4. Who we share your information with

4.1 We share personal information only where necessary and with appropriate safeguards, with:

• Banking, card-issuing and payment Partners – licensed institutions that hold funds, provide account details, issue Cards and process payments, and the card networks;
• Identity verification and compliance providers – for KYC/KYB, document checks, liveness checks, sanctions and PEP screening;
• Service providers (processors) – cloud hosting, email and SMS delivery, push notifications, customer support and live chat, analytics, security and reCAPTCHA providers, who act on our instructions;
• Other parties to a transaction – such as the Recipient or payer (for example your name or Payowire identifier), merchants, and the receiving institution where needed to process or recall a payment;
• Fraud-prevention agencies and other financial institutions – to prevent and investigate fraud, scams and money laundering;
• Regulators, tax authorities, courts and law enforcement – where we are required or permitted by law, or to protect our rights or the safety of others;
• Professional advisers – lawyers, auditors and insurers; and
• Successors – a buyer or successor in connection with a merger, acquisition, reorganisation or sale of assets, subject to confidentiality obligations.

5. International transfers

5.1 Payowire and its Partners and service providers operate internationally, so your information may be transferred to and processed in countries other than your own, including the United States and the United Kingdom, which may have different data protection laws. Where required, we protect transfers using recognised safeguards such as standard contractual clauses, adequacy decisions or other lawful transfer mechanisms.

6. How long we keep your information

6.1 We keep personal information for as long as your account is open and afterwards for as long as necessary for the purposes in this policy. In particular, identity, verification and transaction records are kept for at least five (5) years after the end of our relationship or the relevant transaction (or longer where required by law, a regulator, a Partner or an ongoing investigation or dispute). Marketing preferences are kept until you withdraw consent. When information is no longer needed, we delete or anonymise it securely.

7. Security

7.1 We use technical and organisational measures designed to protect your information, including encryption in transit, hashed passwords, access controls on a need-to-know basis, two-factor authentication, logging and monitoring, and contractual obligations on our service providers.

7.2 No system is completely secure. You play an important role in protecting your account: keep your Credentials confidential, enable 2FA, and read our Fraud & Scam Awareness guide. We will never ask you for your password, PIN or one-time codes.

7.3 If we become aware of a personal data breach that is likely to result in a high risk to you, we will notify you and the relevant authorities as required by law.

8. Your rights

8.1 Depending on where you live (for example under the EU or UK GDPR, or U.S. state privacy laws), you may have the right to:

• access the personal information we hold about you and receive a copy;
• correct inaccurate or incomplete information;
• delete your information, where we are not required or entitled to keep it;
• restrict or object to certain processing, including processing based on legitimate interests and direct marketing;
• data portability – receive information you provided in a structured, machine-readable format;
• withdraw consent at any time, where processing is based on consent;
• ask for human review of an automated decision; and
• not be discriminated against for exercising your privacy rights.

8.2 To exercise your rights, email support@payowire.com from your registered email address. We may need to verify your identity before responding. We will respond within the time required by applicable law (normally within one month). Some rights are limited: for example, we cannot delete records that we must keep under anti-money laundering laws.

8.3 You also have the right to complain to the data protection authority in your country. We would appreciate the chance to address your concerns first.

9. Cookies and similar technologies

9.1 We use cookies, local storage and similar technologies on our website and apps:

• Strictly necessary – to keep you signed in, protect forms (CSRF), remember security settings and prevent abuse (for example reCAPTCHA). These cannot be switched off.
• Functional – to remember your preferences and enable features such as live chat and app installation.
• Analytics – to understand how our public website is used and improve it (for example Google Analytics and session analytics tools).
• Advertising – to measure the effectiveness of our advertising campaigns (for example Google Ads conversion tags).
• Third-party widgets – review platforms and other embedded content may set their own cookies.

9.2 You can control or delete cookies through your browser settings. Blocking some cookies may affect how the website works. Where required by law, we will ask for your consent before setting non-essential cookies.

10. Children

10.1 Our Services are not intended for anyone under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it where appropriate.

11. Marketing

11.1 We may send you news and offers about Payowire products where you have agreed or where the law allows. You can opt out at any time using the unsubscribe link in our emails, through your account settings, or by contacting us. We will still send you important service, security and legal messages.

12. Third-party websites

12.1 Our website may link to third-party websites and services, including payment providers you choose to use for adding funds. Their privacy practices are governed by their own policies, and we are not responsible for them.

13. Changes to this policy

13.1 We may update this Privacy Policy from time to time. We will post the updated version here with a new "Last updated" date and, if changes are significant, notify you by email or in-app message.

14. Contact us and data protection enquiries

14.1 For any questions about this policy or your personal data, or to contact our data protection lead, email support@payowire.com or write to:

Payowire – Data Protection
30 N Gould St Ste R, Sheridan, WY 82801, United States

UK office: 189 Whitechapel Road, London, England E1 1DN, United Kingdom