Privacy Policy

1. Introduction

Welcome to PayRemindr ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment management service.

2. Information We Collect

2.1 Personal Information

We collect the following personal information:

• Email Address: Required for account creation and email reminders
• Name (Optional): If you choose to provide it in your profile

2.2 Payment Data

You provide us with the following information about your payments:

• Payment name
• Cost/amount
• Due date
• Reminder preferences
• Additional notes or tags

2.3 Payment Information

Payment processing is handled securely by Stripe, a third-party payment processor. We do not store or have access to your credit card information, bank account details, or other payment data.

2.4 Usage Data

We may automatically collect certain information when you visit our website, including:

• IP address
• Browser type and version
• Pages visited and time spent
• Device information
• Referring URLs

3. How We Use Your Information

We use the information we collect to:

• Provide and maintain our payment management services
• Send email reminders before payments are due
• Process payments for Pro subscriptions
• Respond to your inquiries and provide customer support
• Send important service updates and notifications
• Improve our service and develop new features
• Prevent fraud and ensure security
• Comply with legal obligations

4. Data Storage and Security

We employ industry-standard security measures to protect your personal information:

• All data is encrypted in transit using HTTPS/TLS
• Passwords are hashed using secure algorithms (Werkzeug)
• All data is stored securely in PostgreSQL databases hosted on Render with industry-standard encryption
• Our application uses secure, scalable infrastructure provided by Render
• Email services are provided by Resend, a trusted email delivery platform
• We do not store any banking or payment card information (handled securely by Stripe)
• Regular security audits and updates

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our service:
  • Render: Hosts our application and PostgreSQL database infrastructure
  • Resend: Provides email delivery services for reminders and notifications
  • Stripe: Processes payments securely for Pro subscriptions
• Legal Requirements: When required by law, legal process, or governmental request
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Consent: With your explicit consent

Email Addresses: When you verify your email address, it is automatically added to our Resend audience for email management purposes. You can unsubscribe at any time through your account settings or by contacting us.

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Update or correct your personal information
• Deletion: Request deletion of your account and data
• Export: Export your payment data
• Opt-Out: Unsubscribe from marketing emails

To exercise these rights, contact us at: tourbillongroups@gmail.com

7. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your login session
• Analyze website traffic and usage
• Improve user experience

You can control cookies through your browser settings. However, disabling cookies may affect certain features of our service.

8. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. When you delete your account, we will delete or anonymize your data within 30 days, except where we are required to retain it by law. Accounts that remain in read-only mode after the free trial without a Pro subscription may be deleted 14 days after the trial ends; associated data will be removed in accordance with our retention practices.

9. Age Requirements

PayRemindr is available to users of all ages. However, users under the age of 18 should obtain parental consent before creating an account or providing personal information. Parents or guardians are responsible for monitoring their children's use of the Service.

10. International Data Transfers

Your information may be transferred to and stored in countries other than your country of residence. We take appropriate measures to ensure your data is protected in accordance with this Privacy Policy regardless of where it is processed.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our service after such changes constitutes your acceptance of the revised Privacy Policy.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Email: tourbillongroups@gmail.com