Privacy Policy

This Privacy Notice explains how Payman AI, Inc., a Delaware corporation, and its affiliates (collectively, “Payman,” “we,” “us,” or “our”) collect, use, disclose, transfer, store, retain, and otherwise process your information when you (“you,” “your”) use our services, including our website, applications, APIs, and related technologies (collectively, the “Service”). By using the Service, you consent to the practices described in this Privacy Notice.

This Privacy Notice applies to information collected in connection with your access to and use of the Service. This Privacy Notice should be read in tandem with our Terms of Service and API License Agreement, which govern your use of the Service and API access, respectively. Please read this Privacy Notice carefully. If you do not agree with any part of this Privacy Notice, you must discontinue use of the Service.

1. Information We Collect

We collect information to provide, improve, and secure the Service. This includes:

1.1 Information You Provide

1. Account Information: Name, email address, phone number, and authentication credentials (including Google sign-in credentials).
2. Identification Information: Government-issued ID, Social Security number, date of birth, and photograph (for verified users).
3. Financial Information: Bank account and payment card details.
4. Transaction Information: Details of payments, transfers, and related data.
5. Contacts Information: Recipient details for payments, including phone numbers and email addresses.

1.2 Information Collected Automatically

1. Device Information: Hardware model, operating system, IP address, and unique device identifiers.
2. Usage Information: How you interact with the Service, including access times, pages viewed, and features used.
3. Location Information: Geolocation data from your device (with your consent).

1.3 Information from Third Parties

1. Identity Verification: Data from third-party verification services.
2. Fraud Prevention: Information from credit bureaus and fraud detection services.
3. API Usage Data: Data generated through interactions with Payman’s API, including chat logs, commands, and transaction details.

2. How We Use Your Information

We use your information to:

1. Provide, improve, and personalize the Service.
2. Verify your identity and prevent fraud.
3. Process transactions and send payment notifications.
4. Communicate with you about the Service, including updates and promotions.
5. Comply with legal obligations and enforce our agreements.
6. Train and improve AI models used in the Service, including anonymized or aggregated data for machine learning purposes.
7. Facilitate Know Your Customer (KYC) procedures and other compliance measures required by law.

3. When and With Whom We Share Your Information

We may share your information with:

1. Service Providers: Third parties who help us operate the Service (e.g., payment processors, fraud detection services, and Stripe, our payment processing partner).
2. Affiliates: Companies within the Payman group for business purposes.
3. Legal and Regulatory Authorities: When required by law or to protect our rights.
4. With Your Consent: For purposes you authorize.

We do not sell your personal information.

3.1 Sharing with Payman and Stripe

By using the Service, you acknowledge and agree that your information may be shared with Payman AI, Inc. and Stripe to facilitate transactions, comply with legal and regulatory requirements, and improve the functionality of the API. Payman and Stripe act as data processors and are obligated to protect your information in accordance with their respective services agreements and privacy policies:

• Stripe Services Agreement
• Stripe Privacy Policy

Before using the Service to interact with Payman’s API, you will be required to provide explicit consent to Payman’s Privacy Policy. This consent is necessary to enable the processing of payments and other transactions through the API.

4. Cookies and Similar Technologies

We use cookies and similar technologies to:

1. Remember your preferences and settings.
2. Analyze how you use the Service.
3. Deliver personalized content and ads.

You can manage cookies through your browser settings, but disabling them may affect the functionality of the Service.

5. How Long We Keep Your Information

We retain your information as long as necessary to provide the Service, comply with legal obligations, resolve disputes, and enforce our agreements. Afterward, we securely delete or anonymize your data.

Data shared with Payman AI, Inc. and Stripe will be retained in accordance with their respective privacy policies. You may request deletion of your data by contacting us, but note that certain data may be retained to comply with legal obligations or for legitimate business purposes.

6. Your Rights and Choices

You have the following rights regarding your information:

1. Access and Correction: You can review and update your account information.
2. Deletion: You can request deletion of your account and data.
3. Opt-Out: You can opt out of marketing communications.
4. Do Not Track: We do not respond to “Do Not Track” signals.

To exercise these rights, contact us at support@paymanai.com.

7. Rights of California Residents

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

1. The right to know what personal information we collect and how it’s used.
2. The right to request deletion of your personal information.
3. The right to opt out of the sale of your personal information (we do not sell personal information).

To exercise these rights, contact us at support@paymanai.com.

8. Security

We use administrative, technical, and physical safeguards to protect your information. These measures include encryption, secure payment processing protocols, and regular security audits. However, no system is completely secure, and we cannot guarantee absolute security.

9. International Transfers

Your information may be transferred to and processed in countries other than your own, including the United States. By using the Service, you consent to such transfers.

10. Changes to This Privacy Notice

We may update this Privacy Notice from time to time. If we make material changes, we will notify you through the Service or by email. Your continued use of the Service after such changes constitutes acceptance of the updated Privacy Notice.

11. How to Contact Us

If you have questions or concerns about this Privacy Notice, please contact us at:

Payman AI, Inc.
777 Main Ave. Suite 201
Durango, CO 81301
Email: support@paymanai.com
Website: https://www.paymanai.com

12. Integration with Stripe Treasury

Payman integrates with Stripe Treasury to provide financial services, including banking and payment processing. When you use Stripe Treasury through Payman, your information is shared with Stripe and subject to Stripe’s Privacy Policy. For more information, please review Stripe’s Privacy Policy at https://stripe.com/privacy.

13. Additional Disclosures

1. Children’s Privacy: The Service is not directed to persons under 18, and we do not knowingly collect personal information from children.
2. Third-Party Links: The Service may contain links to third-party websites. We are not responsible for the privacy practices of these websites.
3. Data Breaches: In the event of a data breach, we will notify affected users and regulatory authorities as required by law.
4. KYC Procedures: Payman may request additional information or documentation from you to comply with its Know Your Customer (KYC) procedures. You agree to provide such information promptly to ensure continued access to the API and related services.

Contact Information

support@paymanai.com