Privacy Policy

At Paylio, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our mobile application and services.

Information We Collect

We collect information you provide directly to us, such as when you:

• Create an account and complete your profile
• Post jobs or apply to work on jobs
• Communicate with other users through our messaging system
• Make or receive payments through the platform
• Contact our customer support team

This information may include your name, email address, phone number, profile photo, business information, and payment details.

Camera and Photo Access

Our app requests camera access to allow you to:

• Take profile photos
• Capture images of work completed for jobs
• Upload photos of quotes and documents
• Share images in messages with other users

Photos are only captured and uploaded when you explicitly choose to do so. We do not access your camera without your permission.

Location Data

With your permission, we collect location data to:

• Show you jobs near your location
• Help customers find tradespeople in their area
• Enable location-based notifications for new job postings

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Connect customers with tradespeople
• Send notifications about jobs, messages, and account activity
• Respond to your comments, questions, and requests
• Detect, prevent, and address fraud and other illegal activities

Information Sharing

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except:

• With service providers who assist in operating our platform
• With payment processors to complete transactions
• When required by law or to protect our rights
• With other users as necessary to facilitate jobs (e.g., sharing contact details between matched customers and tradespeople)

Data Security

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes:

• Encryption of sensitive data in transit and at rest
• Secure authentication with optional biometric login
• Regular security audits and updates

Your Rights

You have the right to:

• Access your personal information
• Update or correct your information
• Delete your account and associated data
• Opt out of marketing communications
• Request a copy of your data

You can manage most of these through your account settings or by contacting us.

Cookies and Tracking

We may use cookies and similar tracking technologies to improve your experience on our platform and to collect usage analytics to help us improve our services.

Third-Party Services

Our service may contain links to third-party websites or integrate with third-party services (such as payment processors). We are not responsible for the privacy practices of these third parties.

Children's Privacy

Our service is not intended for children under 18 years of age, and we do not knowingly collect personal information from children under 18.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.