This Privacy Policy (“Policy”) covers how we collect, hold, use and disclose your information. By downloading, browsing, accessing or using the PadalApp mobile application (“App”) and its service (“Service”), you are deemed to have accepted this Policy, together with the Terms and Conditions. In particular, you are deemed to have consented to our use and disclosure of your personal information in the manner prescribed in this Policy. We reserve the right to amend this Policy from time to time. If you disagree with any part of this Policy, you must immediately discontinue your access to the App.

We collect Your personal information

When you create an account and use our App, we may collect your personal information, which include without limitation your name, telephone number, email address, social media accounts, transactions details, relation to your family members, friends or others.

You can always choose not to provide Your personal information to us, but it may mean that you are unable to use the App or its Service.

We receive personal information from You about others

Through Your use of the App, we may also collect information from You about someone else. For example, when you record a remittance transaction, you may provide personal information of your remittance recipients. If You provide us with personal information about someone else, You must ensure that You are authorised to disclose that information to us and that, without our taking any further steps required by applicable data protection or privacy laws, we may collect, use and disclose such information for the purposes described in this Policy.

This means that You must take reasonable steps to ensure the individual concerned is aware of and/or consents to the various matters detailed in this Policy, including the fact that their personal information is being collected, the purposes for which that information is being collected, the intended recipients of that information, the individual's right to obtain access to that information, our identity, and how to contact us.

Where requested to do so by us, You must also assist us with any requests by the individual to access or update the personal information You have collected from them and entered into the App.

We collect, hold, and use Your personal information for limited purposes

We collect Your personal information so that we can provide You with the Service. In doing so, we may use the personal information we have collected from You for purposes including to:

By using the Service, You consent to Your personal information being collected, held and used in this way and for any other use You authorise. We will only use Your personal information for the purposes described in this Policy or with Your express permission.

From time to time, we may use your personal information to send important notices, such as communications about changes to our Service, terms, conditions, and policies. Because this information is important to your interaction with us, you may not opt out of receiving these communications.

We may also send Service notifications to You using your personal information. Our notifications, via your phone number, email address, social media accounts or other methods, will contain clear and obvious instructions describing how You can choose to opt out from these communications. We will remove You from these communications at Your request.

We will have access to Your SMS messages being sent to Your recipients via the SMS sending software Twilio. This information will be used solely for research purpose -- to understand the demand on labeling remittances and the most frequently used labels.

We take steps to protect your personal information

We are committed to protecting the security of Your personal information and we take all reasonable precautions to protect it from unauthorised access, modification or disclosure. Your personal information is stored on encrypted servers and transmitted vis encrypted APIs.

However, the Internet is not in itself a secure environment and we cannot give an absolute assurance that Your information will be secure at all times. Transmission of personal information over the Internet is at Your own risk and You should only ente personal information to the Service within a secure environment.

We will advise You at the first reasonable opportunity upon discovering or being advised of a security breach where Your personal information is lost, stolen, accessed, used, disclosed, copied, modified, or disposed of by any unauthorised persons or in any unauthorised manner.

We aggregate Your non-personally identifiable data

By using the Service, You agree that we can access, aggregate and use non-personally identifiable data we has collected from You. This data will in no way identify You or any other individual.

We may use this aggregated non-personally identifiable data to:

We only disclose Your Personal Information in limited circumstances

We will only disclose the personal information You have provided to us to third parties if it is necessary and appropriate to facilitate the purpose for which Your personal information was collected pursuant to this Policy, including the provision of the Service.

We will not otherwise disclose Your personal information to a third party unless You have provided Your express consent. However, You should be aware that we may be required to disclose Your personal information without Your consent in order to comply with any court orders, subpoenas, or other legal process or investigation, if such disclosure is required by law. Where possible and appropriate, we will notify You if we are required by law to disclose Your personal information.

This policy may be updated from time to time

We reserve the right to change this Policy at any time, and any amended Policy is effective upon posting on the App. We will make every effort to communicate any significant changes to You. Your continued use of the Service will be deemed acceptance of any amended Policy.