Privacy policy

Effective Date: 11.11.2024PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES HOW SALARYO INC. AND ITS AFFILIATES (COLLECTIVELY, "SALARYO," "WE," "US," "OUR") COLLECT, USE, DISCLOSE, AND STORE YOUR PERSONAL INFORMATION. BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE, WEB APPLICATION, MOBILE APPLICATION, FACEBOOK MESSENGER, OR THROUGH ANY OTHER MEANS (COLLECTIVELY, THE "SERVICES"), YOU AGREE TO THIS PRIVACY POLICY.

We may amend this Privacy Policy at any time by posting a revised version on our website. We will provide reasonable notice before any changes become effective. Unless otherwise stated, the revised version will be effective when posted.

As a financial company entrusted with sensitive information, we respect your privacy and are committed to protecting your personal information. We limit the use and collection of your information to what is necessary to conduct our business and provide the Services.

1. Information We Collect

a. Information You Provide to Us

When you open an account or use the Services, we may collect the following types of personal information:

• Personal Information: Name, Social Security number, address, phone number, email address, date of birth, third-party application IDs, and other similar information.

• Financial Information: Bank account details, debit or credit card numbers, and transaction history that you link to your Salaryo account or provide when using the Services.

  Before permitting you to use the Services, we may require additional personal and financial information to verify your identity or other information you provide.

b. Information We Collect Automatically

When you use the Services, we may automatically collect information sent by your computer, mobile phone, or other device, including

• Device Information: IP address, device identifiers, operating system, location data, mobile network information, and browser type.

• Usage Information: Details of your interactions with our Services, such as pages viewed, links clicked, and transaction history.

  Cookies and Similar Technologies: We use cookies and similar technologies to collect and store information when you use the Services.

c. Information from Third Parties

• We may obtain information about you from third parties, including:

  Credit Reporting Agencies: To assess creditworthiness and verify identity.

  Social Media Platforms: Publicly available information, subject to your privacy settings and authorization.

  By linking a third-party account to your Salaryo account, you authorize us to collect, store, and use this information in accordance with this Privacy Policy.

2. How We Use Your Information

• a. To Provide and Improve Our Services

We use your information to:

Operate and maintain your account.

Process transactions and send notifications.

Provide customer support.

Improve and personalize the Services.

Conduct research and analyze usage trends.

3. How Salaryo uses your information. 

a. Improving our service 

Salaryo uses information to perform and improve the Services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide member support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to parties involved in our transactions, and verify the accuracy of information.

b. Providing relevant marketing to you

We may use information to deliver service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services and content.

4. When Salaryo shares your information.

a. Everyday business purposes

We share your personal information with employees, affiliates, vendors, partners, and third parties as required to offer the Services. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus.

b. When required by law

We will share your information with any party when required by law or by a government request to do so, or to combat fraud or criminal activity.

c. Salaryo does NOT use your information to sell or rent to third parties.

5. Access your information

You can review and edit your personal information at any time by logging in to your account on the website, the web or mobile applications, or by contacting us at s​upport@Salaryo.com​. You can also request to close your account by contacting us at support@Salaryo.com​. If you close your Salaryo account, we will mark your account in our database as "closed", but will keep your account information in our database to comply with our legal obligations. This is necessary in order to detect and deter fraud, ensuring persons who try or commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required bylaw or in accordance with this privacy policy.

6. Contact Salaryo

If you have questions or concerns regarding this privacy policy, please contact us at s​upport@salaryo.com.