1. Introduction
Paylio (“we”, “our”, “us”) is a digital platform that provides Virtual Top-Up (VTU) services and affiliate flight booking services. This Privacy Policy explains how we collect, use, store, and protect users’ information in compliance with applicable laws and platform requirements, including policies set by Google.
By using Paylio, you agree to this Privacy Policy and our Terms of Service.
2. Services Provided
Paylio provides the following services:
- Airtime and data top-up
- Cable TV and utility bill payments
- Wallet funding and transaction management
- Affiliate flight search and booking via third-party partners
Important: Paylio does not operate airlines or issue flight tickets. All flight-related services are provided by third-party affiliate partners.
3. Information We Collect
We collect information necessary to provide our services efficiently and securely.
a. Personal Information
- Full name
- Email address
- Phone number
- Account login credentials
b. Transaction Information
- Airtime, data, and bill payment history
- Wallet funding and withdrawal records
- Flight booking referral activity
c. Device & Usage Information
- Device type and operating system
- IP address
- App usage data and logs
d. Third-Party Information
For flight booking, limited data may be shared with affiliate partners to complete redirection or booking processes.
4. How We Use Your Information
We use collected information to:
- Provide and improve VTU and payment services
- Process transactions and maintain account records
- Redirect users to affiliate flight booking platforms
- Prevent fraud and unauthorized access
- Comply with legal and regulatory requirements
- Communicate service updates and support responses
5. Affiliate Flight Booking Disclosure
Paylio participates in affiliate flight booking programs. When users search or book flights, they may be redirected to third-party platforms.
- Paylio does not store flight ticket details
- Prices, availability, and policies are determined by third-party providers
- Paylio may earn a commission from successful referrals
- Third-party privacy policies apply once redirected
6. Data Sharing & Disclosure
We do not sell users’ personal data. Information may only be shared with:
- Payment processors
- VTU service providers
- Affiliate flight booking partners
- Regulatory or law enforcement authorities when required by law
All partners are required to follow applicable data protection standards.
7. Data Security
Paylio implements industry-standard security measures, including:
- Encrypted data transmission
- Secure authentication processes
- Restricted access to sensitive information
However, no system is 100% secure, and users are responsible for safeguarding their login credentials.
8. User Responsibilities
Users agree to:
- Provide accurate and lawful information
- Use Paylio services only for legal purposes
- Avoid fraudulent, abusive, or unauthorized activities
- Accept that flight bookings are handled by third-party providers
9. Refund & Cancellation Policy
- VTU transactions are non-refundable once successfully completed
- Flight refunds, cancellations, and changes are governed by the airline or booking provider’s policy
- Paylio is not responsible for airline delays, cancellations, or pricing changes
10. Children’s Privacy
Paylio is not intended for users under the age of 18. We do not knowingly collect personal data from minors.
11. Third-Party Links
Our app may contain links to external websites or services. Paylio is not responsible for the content, privacy practices, or policies of third-party platforms.
12. Limitation of Liability
Paylio shall not be liable for:
- Losses resulting from third-party service failures
- Airline booking disputes or pricing errors
- Network interruptions or system downtime beyond our control
Use of Paylio is at the user’s own risk.
13. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be communicated through the app or our official channels. Continued use of Paylio constitutes acceptance of updated policies.
14. Contact Information
For inquiries, complaints, or data requests, contact us at:
Email: info@paylio.sel.ng
Phone: 09067678498
Business Name: Paylio