Privacy Policy

Last updated: April 6, 2025

Welcome! Thank you for visiting Payloo Ltd. This Privacy Policy explains what Personal Information we collect, why we collect it, how we use and disclose it, your choices, and how to contact us. By using Payloo’s services, you agree to this Privacy Policy.

If you are under 18 or disagree with our practices, please discontinue using our services. This policy does not apply to third-party websites or services.

Entities You Are Engaging With

Payloo Ltd is the entity responsible for processing your Personal Information.

• Entity: Payloo Ltd
• Address: 16 Yekmalyan Street, Yerevan 0002, Armenia

Additional consumer privacy notices may apply depending on the services you use. In case of conflict, the consumer privacy notice takes precedence.

1. Personal Information We Collect

A. Information We Collect from You

• Identification Information
• Commercial Information
• Financial Information
• Correspondence
• Audio, Electronic, Visual Information
• Biometric Information
• Professional or Employment Information
• Institutional Information
• Sensitive Personal Information
• Preferences
• Communications
• Referral Information

B. Information We Collect Automatically

• Online Identifiers
• Device Information
• Usage Data

C. Information We Collect from Third Parties

• Identification Information
• Financial Information
• Transaction Information
• Credit and Fraud Information
• Sensitive Personal Information
• Additional Information

D. Combination of Personal Information

We may combine data from different sources and use or disclose it as described in this policy. De-identified data may also be shared for consistent purposes.

2. Business and Commercial Purposes for Use

• To provide services
• To comply with legal obligations
• To detect and prevent fraud
• To protect security and integrity
• To provide customer support
• To optimize and enhance our services
• To market our products
• With your consent
• For other business purposes

3. How We Share Your Personal Information

• Service Providers
• Affiliates
• Business Partners
• Analytics Partners
• Marketing and Advertising Partners
• Legal Obligations
• Corporate Transactions
• Professional Advisors
• With Your Consent
• Other permitted purposes

4. Cookies and Tracking Technologies

We use cookies and tracking tools to customize services, improve security, and analyze usage. Third-party cookies are not covered by our practices. You may opt out of non-essential cookies anytime.

5. Direct Marketing

We may send promotional materials, subject to laws. You can opt out via your account settings or unsubscribe links. Transactional messages will still be sent when needed.

6. Children’s Personal Information

We do not knowingly collect data from individuals under 18. If we do, we will promptly delete it.

7. Information Security

We implement safeguards to protect your data, such as SSL encryption, two-factor authentication, and restricted access. However, no system is completely secure.

8. Retention

We retain Personal Information as long as necessary for our services, legal compliance, fraud prevention, and business purposes.

9. International Transfers

Your information may be stored and processed globally. We ensure such transfers comply with data protection laws and safeguard your privacy.

10. Updates to This Privacy Policy

We may revise this policy and will notify you of material changes. Continued use means you accept the changes.

11. Contact Us

• Email: [email protected]
• Address: Payloo Ltd, 16 Yekmalyan Street, Yerevan 0002, Armenia

We are committed to addressing your concerns in line with applicable laws.