Privacy Policy

Effective Date: April 1, 2025

At PayBundler, your privacy matters. This Privacy Policy explains how we collect, use, and protect your personal data when you access or use our platform and related services (“Services”). By using PayBundler, you agree to this Policy and our Terms of Use.

  1. What We Do

PayBundler is a financial facilitation platform that enables users to request Remit Now, Pay Later (RNPL) services. While our lending partners are solely responsible for underwriting and approving all loan decisions, and our remittance partners handle the delivery of approved funds to designated beneficiaries, PayBundler serves as the intermediary for:

  • Application routing
  • Identity verification
  • Repayment processing
  • Coordination between the user, lending partner, and remittance provider

We do not make lending decisions or directly disburse funds.

  1. Information We Collect

We collect limited personal information required to operate our Services effectively and securely. This may include:

  • Basic Personal Information:
  • Name, date of birth, country of residence
  • Email address and phone number
  • Country-Specific ID Numbers:
  • United States: SSN or ITIN
  • United Kingdom: National Insurance Number (NINo)
  • France: Numéro d’Inscription au Répertoire (NIR)
  • Germany: Steuer-ID
  • Canada: Social Insurance Number (SIN)

Note: This data is transmitted securely to our identity verification and lending partners. We do not store sensitive identity documents.

  • Device and Usage Data:
  • IP address, browser type, device ID, operating system, referral URLs, and timestamps
  • Cookies (used for essential functionality, fraud prevention, and analytics)
  1. How We Use Your Information

We use your data solely to:

  • Facilitate secure routing of loan applications to licensed lending partners
  • Verify your identity through third-party verification platforms
  • Enable user-initiated payment flows via integrated processors
  • Improve platform performance, prevent fraud, and meet compliance obligations

We do not use your data for profiling, credit scoring, or advertising.

  1. Sharing Your Information

We only share your information with trusted third parties who support our services:

  • Identity verification providers: Persona, Sumsub, Onfido
  • Payment processors: Stripe
  • Bank account integrators (where applicable): Plaid (U.S.), TrueLayer (UK)
  • Licensed lending and remittance partners: e.g., Max Capital, Chipper
  • Regulatory or legal bodies: Where required by law

All third-party providers are contractually obligated to safeguard your data in accordance with applicable data protection laws.

  1. Data Security

We use secure cloud infrastructure, encryption, and strict access controls to protect your data in transit and at rest. We minimize data collection and only retain necessary information for service continuity and compliance.

  1. Your Rights

Depending on your country of residence, you may:

  • Request access or correction of your personal data
  • Request deletion or restriction of certain data
  • Withdraw consent for non-essential cookies or communications

Contact [email protected] to make a request.

  1. Data Retention

We retain only the data required to deliver our Services and comply with legal obligations. Unnecessary or expired data is deleted or anonymized as soon as feasible.

  1. International Data Transfers

Your data may be stored or processed in the United States or other countries where our partners operate. By using our Services, you consent to these international data transfers.

  1. Children’s Privacy

Our platform is not intended for users under the age of 18. We do not knowingly collect or retain information from minors. If we become aware of such data, it will be deleted promptly.

  1. Updates to This Policy

We may revise this Privacy Policy occasionally. The revised version will be posted with an updated effective date. Continued use of our Services constitutes your acceptance.

  1. Contact Us

Have questions or concerns?

Email us at [email protected]