1. Information We Collect

Information you provide

• Account details such as name, email, and login credentials.
• Profile details submitted by you.
• Messages, feedback, comments, or support requests.
• Preferences and settings that improve your user experience.

Information collected automatically

• IP address, browser type, operating system, and device data.
• Pages visited, session data, and feature interactions.
• Cookies and similar technologies used for analytics and performance.
• Log records for troubleshooting, abuse prevention, and security.

2. How We Use Your Information

• To provide and improve PaisaWise content and tools.
• To authenticate users and maintain account security.
• To monitor usage trends and platform performance.
• To respond to support requests and user communication.
• To comply with legal obligations and prevent misuse.
• To develop educational features based on aggregate behavior patterns.

We aim to process only the minimum data reasonably necessary for these purposes.

3. Cookies and Tracking Technologies

PaisaWise may use cookies, local storage, and similar technologies to improve user experience, keep sessions active, and understand usage patterns. You can control cookies through your browser settings.

Disabling some cookies may affect functionality such as login continuity, personalization, and analytics-driven improvements.

4. Legal Basis and Consent

Where applicable, we process personal data based on legitimate interests, contractual necessity, legal compliance, and user consent. By using PaisaWise, you consent to this processing as described.

Where consent is required, you may withdraw it prospectively, but withdrawal may limit certain services.

5. Data Sharing

We do not sell your personal data. We may share data only in these limited cases:

• With trusted service providers supporting site operations.
• When required by law, court order, or regulatory authority.
• To protect rights, safety, security, and prevent fraud/abuse.
• In connection with a business transfer, merger, or reorganization.

All such sharing is limited to legitimate purposes and, where feasible, governed by contractual confidentiality and data protection obligations.

6. Data Retention

We retain information only as long as necessary for operational, legal, compliance, and security purposes, after which data is deleted or anonymized where reasonably practicable.

Retention periods may vary by data category, legal obligations, dispute handling requirements, and fraud-prevention needs.

7. Data Security

We use reasonable technical and organizational safeguards to protect personal information. However, no system can guarantee absolute security, and you use the internet at your own risk.

Users are responsible for protecting their credentials and devices. If you suspect unauthorized account access, contact us promptly.

8. Your Rights

Depending on applicable law, you may have rights to:

• Access, update, or correct your personal information.
• Request deletion of your data, subject to legal exceptions.
• Object to or restrict certain processing activities.
• Withdraw consent where processing is consent-based.

We may ask for identity verification before fulfilling requests to protect account security and prevent unauthorized disclosures.

9. Educational-Content Clarification and User Responsibility

PaisaWise is an educational platform. Nothing in our content or tools should be construed as personalized financial advice.

You remain solely responsible for all financial decisions and their consequences, including losses, tax outcomes, and regulatory implications. You should consult qualified advisors before acting.

10. Children's Privacy

PaisaWise is not intended for children under 13 years of age. We do not knowingly collect personal data from children without lawful basis and parental/guardian consent where required.

11. International Processing

Your data may be processed or stored in jurisdictions outside your location, subject to appropriate safeguards and compliance with applicable data protection laws.

12. Third-Party Services

Third-party integrations (for example analytics or authentication providers) may process data under their own policies. Please review their privacy terms where relevant.

PaisaWise does not control third-party infrastructure and is not responsible for independent third-party processing practices.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

Continued use of the platform after updates indicates acceptance of the revised policy.

14. Contact

If you have privacy-related questions or requests, please contact PaisaWise via our official contact channels on the website.