Privacy Policy

1. About this policy

This Privacy Policy applies to the PayRise website, customer dashboard and related services (together, the “Services”). It should be read alongside any notices presented when you create an account or use a particular feature.

2. Information we may collect

Depending on the Services you use, PayRise may collect:

• Identity and contact information: name, email address, phone number, date of birth and address details.
• Verification information: identity or business verification details required for account security, compliance or service eligibility.
• Account and transaction information: wallet activity, deposits, withdrawals, transfers, investment activity, transaction references and account history.
• Device and technical information: browser type, device information, IP address, log data and security events.
• Support communications: messages and information you provide when contacting PayRise support.

3. How information may be used

We may use information to:

• create, maintain and secure your PayRise account;
• process and record transactions and provide requested Services;
• verify identity, prevent fraud and investigate suspicious or unauthorised activity;
• provide customer support and communicate service-related updates;
• maintain records, troubleshoot issues and improve platform performance;
• meet applicable legal, regulatory, tax, accounting and compliance obligations.

4. How information may be shared

PayRise may share relevant information with service providers that help operate the Services, such as payment, banking, identity-verification, hosting, security, analytics and customer-support providers. Information may also be disclosed where required by law, to respond to lawful requests, to protect users or the platform, or in connection with a business restructuring. We do not describe these disclosures as permission for providers to use your information for unrelated purposes.

5. Payments and financial information

Payment and transaction information is used to support deposits, withdrawals, account records, verification, reconciliation and fraud prevention. Where a third-party financial institution or payment provider processes a transaction, that provider may process information under its own privacy terms and legal obligations. PayRise does not ask you to send passwords, PINs or one-time passcodes to support personnel.

6. Cookies, sessions and device security

The Services may use essential cookies or similar technologies to maintain sign-in sessions, protect accounts, remember necessary preferences and support platform security. Disabling essential browser storage may affect your ability to sign in or use some features.

7. Data security

PayRise uses technical and organisational measures intended to protect information against unauthorised access, loss, misuse or alteration. No internet transmission or electronic storage system can be represented as completely risk-free. You should protect your password, PIN and verification codes and sign out of shared devices.

8. Data retention

Information may be retained for as long as reasonably necessary to provide the Services, maintain accurate financial and security records, resolve disputes, enforce agreements and meet applicable legal or regulatory requirements. Retention periods may differ depending on the type of information and the reason it is held.

9. Your choices and rights

Subject to applicable law, you may have rights to request access to, correction of or deletion of certain personal information, or to object to or restrict certain processing. Some records may need to be retained for legal, security, fraud-prevention or financial-record purposes. You can use the support options within your PayRise account to submit a privacy-related request.

10. Children

The Services are not intended for children who are not legally permitted to use the relevant financial services. We may take steps to verify age or eligibility where required.

11. Third-party services and links

The PayRise platform may connect to or contain links to services operated by third parties. Their privacy practices are governed by their own policies. We encourage you to review those policies before providing information to them.

12. Changes to this policy

We may update this Privacy Policy when the Services, our practices or applicable requirements change. The updated version will be published on this page with a revised effective date. Where required, we will provide additional notice.

13. Contact PayRise

For privacy questions or requests, sign in to your PayRise account and use the available support channel. Please do not include passwords, PINs, one-time passcodes or full payment-card details in your message.