Privacy policy
Effective Date: 11.11.2024
PLEASE 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.
b. For Legal and Compliance Purposes
We may use your information to:
Comply with legal obligations and regulatory requirements.
Prevent fraud, unauthorized transactions, and other illegal activities.
Enforce our terms and conditions.
c. Marketing and Communications
With your consent, we may use your information to:
Send promotional offers, newsletters, and updates.
Customize marketing content based on your preferences.
You may opt out of receiving promotional communications at any time by following the unsubscribe instructions provided in the communication or by contacting us at support@salaryo.com.
3. How We Share Your Information
a. With Service Providers and Partners
We may share your personal information with:
Service Providers: Third-party vendors who assist in operating our business, such as payment processors, data analytics providers, and customer service agencies.
Business Partners: Affiliates and partners for joint marketing and promotional activities.
These parties are contractually obligated to protect your information and use it only for the purposes specified.
b. For Legal Reasons
We may disclose your information:
To comply with laws, regulations, or legal requests.
To enforce our agreements and policies.
To protect the rights, property, or safety of Salaryo, our users, or others.
c. In Business Transfers
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change in ownership or control of your personal information.
d. Do Not Sell My Personal Information
Salaryo does not sell your personal information to third parties. If this policy changes in the future, we will update this Privacy Policy accordingly and provide you with any required notices and opt-out options.
4. Your Rights and Choices
a. Access and Correction
You may access, review, and update your personal information at any time by logging into your account or contacting us at support@salaryo.com.
b. Deletion Requests
You have the right to request the deletion of your personal information, subject to certain exceptions provided by law. To submit a deletion request, please contact us at support@salaryo.com.
c. Opt-Out of Sale of Personal Information
IAs noted, we do not sell your personal information. If you have any concerns or questions about this, please contact us.
d. Non-Discrimination
We will not discriminate against you for exercising any of your privacy rights under the California Consumer Privacy Act (CCPA).
5. Security of Your Information
We implement administrative, technical, and physical safeguards designed to protect your personal information. This includes encryption of data transmission and storage, access controls, and secure data storage facilities. Despite these measures, no security system is impenetrable, and we cannot guarantee the security of our systems 100%.
6. Children's Privacy
Our Services are not intended for individuals under the age of 16. We do not knowingly collect personal information from children under 16. If we become aware that we have inadvertently received personal information from a user under the age of 16, we will delete such information from our records.
7. California Privacy Rights
If you are a California resident, you have specific privacy rights under the CCPA, including:
The right to know the categories and specific pieces of personal information we have collected about you.
The right to request the deletion of your personal information.
The right to opt out of the sale of your personal information (though we do not sell personal information).
The right to not be discriminated against for exercising any of your CCPA rights.
To exercise your rights, please contact us using the information provided in Section 9.
8. Changes to This Privacy Policy
We may update this Privacy Policy periodically. When we make changes, we will revise the "Effective Date" at the top of the policy and provide notice as required by law. We encourage you to review this Privacy Policy whenever you access the Services to stay informed about our information practices.
9. Contact Us
If you have any questions or concerns regarding this Privacy Policy or wish to exercise your privacy rights, please contact us at:
Email: support@salaryo.com
Mail: Salaryo Inc., 43W 23Rd St. New York, NY 10010
Acknowledgment
By using the Services, you acknowledge that you have read and understood this Privacy Policy and agree to be bound by its terms.
