Privacy Policy

1. Introduction

Payzuu is a trading name operated by Marek Jonak, a sole trader based in the United Kingdom. This Privacy Policy explains how personal information is collected, used, stored, and protected when you use Payzuu's website, mobile applications, and related services.

Where Payzuu determines why and how personal information is processed, Marek Jonak trading as Payzuu acts as the data controller. In some features, business users may provide or store personal information relating to their own customers. In those circumstances, the business may be the data controller and Payzuu may process that information on the business's behalf.

References to "Payzuu", "we", "us" or "our" in this Privacy Policy refer to the operator of the Payzuu Service.

2. Information we collect

We may collect information that you provide directly when creating or managing a Payzuu account, including your name, email address, business name, business contact details, addresses, and other profile or account information.

When you use Payzuu's business tools, we may process information that you enter or upload, including customer details, payment references, invoices, receipts, documents, notes, and other information associated with your business activity.

When payments are made or managed through Payzuu, we may store transaction-related information such as payment amounts, currency, references, payment status, timestamps, payment type, provider payment identifiers, and records needed for Payzuu billing and payment history.

We may also collect technical information needed to operate and secure the Service, such as device information, push-notification identifiers, session information, IP address, and technical logs.

Payment credentials and sensitive payment information may be handled by third-party payment providers. Payzuu does not ask you to provide your bank login credentials to us.

3. How we use your information

We use personal information where necessary to provide and operate Payzuu, including creating and managing accounts, processing payment-related activity, generating and storing invoices and receipts, maintaining payment history, providing customer and business tools, delivering notifications, and providing support.

We may also use information to secure the Service, prevent fraud and misuse, investigate technical problems, maintain records, improve Payzuu, and comply with legal, regulatory, tax, accounting, or other obligations that apply to us.

Depending on the circumstances, we process personal information because it is necessary to perform our contract with you, to comply with a legal obligation, or because we have a legitimate interest in operating, securing, supporting, and improving the Service. Where consent is required by law, we will rely on your consent and you may withdraw it at any time.

4. Sharing your information

We do not sell your personal information. We may share personal information only where reasonably necessary to operate Payzuu, provide requested features, protect the Service, comply with law, or support payment activity.

This may include sharing limited information with service providers such as hosting and infrastructure providers, email and notification services, document-storage providers, analytics or security services, and payment providers that process or support transactions.

Some payment providers may process personal information as independent data controllers under their own privacy policies and legal obligations.

We may also disclose personal information where required by law, court order, regulatory authority, or where reasonably necessary to investigate fraud, security incidents, abuse, or other unlawful activity.

5. Cookies

Payzuu uses cookies and similar technologies where necessary to operate the Service, maintain secure sessions, remember certain preferences, and support account and authentication functionality.

We may also use additional cookies or similar technologies where permitted by law, for example to understand Service performance or improve usability. Where consent is required, we will ask for it before using non-essential cookies.

You can control cookies through your browser settings. Disabling essential cookies may prevent parts of Payzuu from working correctly.

6. Data security

We use appropriate technical and organisational measures designed to protect personal information against unauthorised access, unlawful processing, accidental loss, destruction, alteration, or disclosure.

These measures may include access controls, authentication, secure communications, protected storage, monitoring, backups, and other safeguards appropriate to the nature of the information and the risks involved.

We regularly review and improve our security arrangements where reasonably necessary. However, no online service or method of electronic storage can be guaranteed to be completely secure.

7. Your rights

Depending on the circumstances and the lawful basis on which we process your information, you may have rights to request access to your personal information, correct inaccurate or incomplete information, request deletion, restrict certain processing, object to certain processing, or request that certain information be provided in a portable format.

Where we rely on your consent, you may withdraw that consent at any time. Withdrawal does not affect processing that was lawful before consent was withdrawn.

Some rights are not absolute and may not apply in every situation, for example where we are required to retain information for legal, accounting, fraud-prevention, payment, or regulatory purposes.

To exercise your rights or ask a question about how we use your personal information, please contact us through the Payzuu Support page.

If you are unhappy with how we handle your personal information or a data protection request, you may also have the right to complain to the UK Information Commissioner's Office.

8. Data retention

We keep personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing the Service, maintaining payment and business records, resolving disputes, preventing fraud, and meeting legal, tax, accounting, or regulatory obligations.

Different categories of information may be retained for different periods. When information is no longer required, we will take reasonable steps to delete, anonymise, or otherwise securely dispose of it, unless we are required or permitted by law to retain it for longer.

9. International data transfers

Some of the service providers we use may process or store personal information outside the United Kingdom. Where personal information is transferred internationally, we take reasonable steps to ensure that appropriate safeguards are in place as required by applicable data protection law.

These safeguards may include transfers to countries recognised as providing an adequate level of protection or the use of approved contractual protections or other lawful transfer mechanisms.

10. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes to Payzuu, our service providers, legal requirements, or the way we process personal information.

Where changes are material, we will take reasonable steps to notify you. The effective date shown at the top of this page will indicate when the latest version took effect.

11. Contact

If you have questions about this Privacy Policy, how Payzuu handles personal information, or you want to exercise a data protection right, please contact us through the Payzuu Support page.

Payzuu is operated by Marek Jonak, trading as Payzuu, in the United Kingdom.