Privacy Policy

Draft placeholder. Final wording must be reviewed by legal counsel for each launch country before release.

Draft — operator information supplied: Kammour Amine. The operator is based in France. Business address, registration status and final privacy contact details require confirmation. PAYIN is intended for worldwide App Store availability and for users aged 16 and over, subject to local exceptions and final legal review. Support: contact@payin.fr. PAYIN processes your account email, optional name, preferences, and the income, bills, debts, savings goals and plans you enter. Its backend calculates your plan and stores account records. Hosting locations, backup retention and international-transfer arrangements still require verification; this draft does not promise EU-only processing. AI planning is currently unavailable. The prepared optional Groq pilot would send your request and the financial summaries needed for it to Groq. Choosing voice would also send the stopped recording for transcription. You review and may edit the transcript before requesting a plan. Groq Zero Data Retention was enabled for the dedicated PAYIN organization; operational usage metadata can still remain. This setting is not a confidentiality or EU-residency guarantee. Legal review of processing terms and international transfers remains outstanding. Conversation text stays in application memory rather than PAYIN conversation storage. Recorded files are deleted on cleanup where the operating system permits. Structured proposals, calculated results and usage records may be stored on PAYIN servers; final retention periods and scheduled cleanup must be approved and verified before activation. User-confirmed proposals alone change financial records. Gemini remains an inactive alternative and receives no pilot requests. Apple handles iOS subscription payments. PAYIN verifies transaction identifiers and a pseudonymous account identifier directly with Apple. The existing web payment integration uses Stripe when configured. Resend is the prepared provider for verification, password-reset and optional reminder emails. Reminder delivery is disabled until verified. PAYIN does not receive full payment-card details. You can request an account export and delete your account from Profile. Deletion removes account-linked application records; it does not cancel Apple subscriptions, erase copies already exported, or guarantee immediate removal from backups or provider-held legal/operational records. Anonymous security and usage counters may remain. PAYIN has no advertising or trading capability. Final legal bases, rights, retention details and complaint contacts remain to be completed before release.

Last updated: 2026-09-14 · Questions: contact@payin.fr