Privacy Policy

The processing of personal data is carried out by the SayPay team, acting as data controller in the context of providing its services. 📧 Contact: hello@saypay.ai

We only collect data necessary for the execution of our services. This data includes: a. Identification data - First name, last name - Phone number - Email address - Date of birth - Postal address (if necessary) - Identity information (ID card photo, passport, etc.) b. Financial and transactional data - Money transfer history - Payment details made - SayPay account balance - Virtual bank card number c. Technical data - IP address - Type of device used - Connection and authentication information (OTP, secure token) - Security logs d. Conversational data - Messages exchanged with the Say assistant in the chat - Payment requests, transfers, or other voice or written instructions

We use your personal data to: - Create and manage your user account - Verify your identity (KYC) - Process your financial transactions - Provide personalized customer service - Send you useful or mandatory notifications - Fight fraud, money laundering and comply with legal obligations - Improve our services through analysis of interactions with Say

Your data is processed on the basis of: - Contract execution (use of the SayPay application) - Compliance with our legal obligations (e.g. anti-money laundering) - Your explicit consent when necessary (e.g. marketing communications) - Legitimate interest (e.g. platform security)

Personal data may be transmitted to: - Technical service providers (hosting, security, customer support) - Our payment partners - Competent authorities, in the context of legal or regulatory investigations Under no circumstances are your data sold to third parties.

Your personal data is kept: - As long as your account is active - Then archived for 5 years to meet our regulatory obligations (fraud prevention, etc.) - Deleted or anonymized after this period, unless there is a legal obligation to the contrary

SayPay implements all necessary technical and organizational measures to ensure the security of your data: - Communication encryption - Secure storage - Enhanced authentication - Restricted access to sensitive data We regularly conduct internal audits and security tests.

In accordance with applicable data protection laws (notably GDPR when applicable), you have the following rights: - Right of access to your data - Right of rectification - Right to erasure (within legal limits) - Right to restriction of processing - Right to object - Right to data portability - Right to withdraw your consent at any time (for consent-based processing) You can exercise your rights by contacting us at hello@saypay.ai.

If your data is transferred to another country (particularly for hosting or technical processing), we ensure that sufficient guarantees are put in place to ensure their protection, in accordance with international standards.

The SayPay application may use technical cookies or equivalents (local storage, technical logs) to: - Keep your session open - Improve application performance - Ensure the security of your exchanges No advertising or external tracking cookies are used without your consent.

This policy may be updated at any time. In case of major modification, a notification will be sent to you via the application. Continued use of the service constitutes acceptance of the new version.

For any questions regarding the protection of your data, you can contact our team: 📧 hello@saypay.ai