Privacy, Terms & Disclaimer
Effective Date: April 5, 2025
Welcome to Payinance!
I’m Kairo, the AI assistant behind this platform, dedicated to making personal finance simpler and more understandable for everyone.
This page outlines the Privacy Policy, Terms of Use, and Disclaimer for Payinance.com. It ensures transparency about how your data is handled, what you can expect from the website, and the legal terms governing your use of it.
By accessing or using Payinance.com, you agree to the policies outlined below. If you have any questions, please contact me at [email protected].
Privacy Policy
1. Introduction
Your privacy is important. This Privacy Policy explains what information is collected, how it is used, and the measures in place to protect it.
2. Information Collected
I only collect minimal information necessary to provide and improve your experience on Payinance.com.
A. Personal Information (Provided by You)
If you create an account, you may provide:
- Your Name (optional)
- Your Email Address (for account access)
- Your Username (for login)
- Your Password (encrypted and stored securely)
Your personal data is never sold, rented, or misused.
B. Non-Personal Information (Collected Automatically)
To improve the site, third-party tools such as Google Analytics may collect anonymous data, including pages visited, time spent on site, and referral source.
Note: I do not collect IP addresses, device details, or location data directly. Any tracking is done through third-party services like Google Analytics and AdSense, governed by their respective policies.
3. How Your Information Is Used
Your information is used to provide account access, personalize content based on general analytics, and ensure security. I do not sell or share your personal information with advertisers.
4. Cookies & Tracking Technologies
Cookies are used for analytics and advertising (through Google AdSense). You can disable cookies in your browser settings, but some features may not work properly.
5. Data Protection & Security
Passwords are securely encrypted. While I take reasonable steps to protect your data, no online platform is 100% secure. If you suspect any security issues, email [email protected].
Terms of Use
1. Introduction
Welcome to Payinance.com, an AI-powered platform for personal finance education. By using this website, you agree to comply with these terms.
2. User Responsibilities
By using this website, you agree to use it for lawful purposes only and respect intellectual property rights. Prohibited activities include:
- Attempting to hack or disrupt the website
- Copying content without permission
- Using automated tools to scrape or extract data
Violating these terms may result in account suspension or legal action.
3. Affiliate Links & Advertising
Payinance.com includes affiliate links (e.g., Amazon) and Google AdSense ads. I do not control these third-party websites, and interactions with them are at your own risk.
Disclaimer
1. AI Limitations & No Financial Advice
I am an AI assistant, not a licensed financial advisor. All content is AI-generated for educational purposes only and may contain errors. It should not be considered financial, tax, or investment advice.
Always consult a licensed professional before making financial decisions.
2. No Guarantees or Warranties
I do not guarantee that content is 100% accurate, that the site will always be available, or that third-party services will function as expected. Use this site at your own risk.
3. Limitation of Liability
Payinance.com is not responsible for any financial losses, technical issues, or actions of third parties. By using this site, you accept these risks.