Privacy Policy

About This Policy

Paynix (“we,” “us,” or “the App”) is a personal bookkeeping and money management application that provides manual bookkeeping, financial SMS-assisted bookkeeping, budget management, savings goals, and CSV export features.

When a feature requires device permission, we explain its purpose before requesting access and allow you to decide whether to grant permission.

Information We Process

Account Information

Paynix may collect your mobile number when you register, sign in, verify, or manage your account. Your mobile number is used only to:

• Create and identify your account
• Support login and identity verification
• Maintain account security
• Handle account-related service requests

If you choose to set a profile picture, we may also process the image that you voluntarily capture or upload.

Bookkeeping and Money Management Information

When you use the relevant Paynix features, we may process:

• Income or expense amounts
• Record types and categories
• Transaction dates and notes
• Monthly budgets, category budgets, and budget usage
• Savings goal names, target amounts, saved amounts, target dates, and savings history
• Structured bookkeeping records generated from eligible financial SMS messages
• Date ranges, record types, and other options selected for CSV export

This information is used only to display, calculate, and manage your records, budgets, and savings goals.

Device and Technical Information

To protect accounts, identify abnormal activity, and maintain reliable application performance, Paynix may process limited device and technical information, including:

• Device model and manufacturer
• Operating system and application version
• Device identifiers used for account identification and security checks
• Application status and necessary error information

This information is used only for security verification, fraud or misuse prevention, troubleshooting, and service stability. It is not used for advertising or unrelated profiling.

Device Permissions and Their Purposes

SMS Permission

Paynix may request SMS access when you voluntarily use the “Scan SMS” feature or enable “SMS Auto-recording.” This permission is not activated without your clear authorization.

Paynix uses SMS access only to identify messages associated with financial transactions, such as:

• Bank card or bank account transaction alerts
• Electronic wallet transaction notifications
• Payment or transfer results
• Receipt or deposit confirmations
• Income or expense notifications sent by financial institutions

From an eligible financial message, Paynix may identify limited details such as:

• Transaction amount
• Transaction date
• Income or expense direction
• Transaction type
• Merchant, bank, or payment service name shown in the message

After relevant information is identified, Paynix automatically creates the corresponding bookkeeping record without requiring an additional confirmation step.

Personal conversations, social messages, verification codes, promotional messages, and other non-financial SMS content are not used for bookkeeping and are not uploaded or retained.

SMS information is not used for loan approval, credit assessment, advertising, marketing, user profiling, or purposes unrelated to bookkeeping. Paynix does not send, modify, or delete SMS messages on your device.

SMS permission is optional. If you decline or disable it, you can continue using manual bookkeeping, budget management, savings goals, CSV export, and other features that do not depend on SMS access. You may withdraw permission at any time through your device settings.

Camera Permission

Paynix may request camera access when you choose to capture or update your profile picture. The camera is activated only after you open the relevant feature and initiate the action. Paynix does not continuously access or operate your camera in the background.

Approximate Location Permission

Paynix may request access to your approximate location to:

• Confirm whether the Service is supported in your general region
• Support applicable compliance requirements in the Philippines

We do not use this permission to obtain your precise location or continuously monitor your movements. Approximate location is not used for advertising targeting or purposes unrelated to the Paynix Service.

How We Use Information

Paynix may use relevant information to:

• Register, verify, and manage user accounts
• Provide manual income and expense recording
• Identify authorized financial SMS messages and automatically create records
• Display income, expenses, and monthly financial summaries
• Set and display budgets and budget usage
• Create, update, and display savings goals
• Generate CSV export files after you request an export
• Determine whether the Service is available in your region
• Detect abnormal access, fraud, misuse, or other security risks
• Resolve technical issues and maintain application stability
• Respond to questions, complaints, or data requests
• Comply with applicable Philippine laws and valid legal procedures

Information obtained through sensitive permissions is not used for an undisclosed feature or purpose. If a processing purpose changes materially, we will provide an appropriate notice and obtain additional authorization where required.

Data Transmission, Storage, and Security

Data that must be transmitted for account or service functions is sent through encrypted connections and may be stored on protected systems supporting getpaynix.com.

Paynix applies reasonable technical and organizational safeguards designed to reduce the risk of unauthorized access, loss, misuse, alteration, or disclosure.

Financial SMS recognition is performed locally on the device. Full original SMS messages are not uploaded to or retained on our servers. Bookkeeping fields generated from eligible financial messages are protected in the same manner as other bookkeeping records.

A CSV file is generated only after you initiate an export. It is saved or shared through your device’s system functions to a location selected by you. Paynix does not automatically share an exported file without your action.

Although no electronic transmission or storage method can be guaranteed to be completely secure, we continue to apply safeguards appropriate to the nature and risk of the information involved.

Information Sharing and Disclosure

Paynix does not sell or rent users’ personal information. Financial SMS information is not provided to third parties for advertising or marketing.

Information may be processed or disclosed only to the extent reasonably necessary:

• By contracted technical service providers supporting server hosting, security, or customer service
• To comply with applicable Philippine law, a court order, or a valid government request
• To protect the lawful rights, safety, or property of users, Paynix, or the public
• To investigate fraud, misuse, security incidents, or technical risks
• When you have provided clear authorization

Relevant service providers may process information only for the agreed purpose and must apply appropriate confidentiality and security measures.

Data Retention

Paynix retains information only for as long as reasonably necessary to provide the Service, protect account security, handle user requests, resolve disputes, or meet legal obligations.

When information is no longer required, we will delete, anonymize, or otherwise process it securely in accordance with applicable requirements.

Permission Choices and Data Rights

You may allow, decline, or withdraw permissions requested by Paynix through your device settings. Disabling a permission affects only the feature that depends on it.

Subject to applicable data protection requirements in the Philippines, you may contact us to:

• Request access to information we process about you
• Correct inaccurate or incomplete information
• Request deletion of eligible personal information
• Withdraw authorization or object to certain processing
• Request a copy of eligible information
• Submit a privacy or data-handling complaint

We may need to verify your identity before completing a request in order to protect your account.

Account and Data Deletion

You may request account deletion through the following path in Paynix:

You may also contact help@getpaynix.com regarding an account or data deletion request.

After account deletion is completed, we will delete or anonymize information associated with the account, except where retention is required for legal obligations, security investigations, fraud prevention, dispute resolution, or another lawful purpose.

Children’s Privacy

Paynix is not intended for users under 18 years of age, and we do not knowingly collect personal information from minors.

If we learn that information belonging to a user under 18 has been processed, we will take reasonable steps to stop processing and delete it unless retention is required by law.

Updates to This Policy

Paynix may update this Privacy Policy when its features, information practices, or applicable legal requirements change.

If an update materially affects your information rights, we may provide notice through the App or another appropriate method. The revised Policy will display its updated effective date.

Contact Us

If you have questions or requests concerning this Privacy Policy, account deletion, or how Paynix handles information, please contact us.

Email: help@getpaynix.com
Server domain: getpaynix.com