1. Information We Collect

Personal Information

When you sign up for Rylio, we collect information such as your name, email address, phone number, and location to create your account and provide personalized services.

Financial Information

With your explicit consent, we securely connect to your bank accounts through our trusted partners to analyze your spending patterns and provide rewards. We use bank-level encryption and never store your banking credentials.

Usage Data

We collect information about how you use our app, including features accessed, challenges participated in, and rewards earned to improve our services and provide better recommendations.

2. How We Use Your Information

• Provide and improve our rewards and loyalty services
• Analyze spending patterns to offer personalized insights and challenges
• Process transactions and award coins for eligible purchases
• Send you important updates about your account and new features
• Communicate with you about promotions, offers, and program updates
• Detect and prevent fraud or suspicious activity
• Comply with legal obligations and protect our rights

3. Communication and Marketing

4. Information Sharing

We may share your information with:

• Merchant Partners: To process rewards and verify transactions at participating businesses
• Service Providers: Third-party companies that help us operate our platform securely
• Financial Institutions: To facilitate secure account connections and transaction processing
• Legal Requirements: When required by law or to protect our rights and users' safety

We never sell your personal information to third parties for their marketing purposes.

5. Data Security

We implement industry-standard security measures including encryption, secure servers, and regular security audits to protect your information. However, no method of transmission over the internet is 100% secure.

6. Your Rights

You have the right to:

• Access and update your personal information
• Delete your account and associated data
• Opt out of marketing communications
• Request a copy of your data
• Withdraw consent for data processing

7. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us at:

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by email or through our app. Your continued use of Rylio after such changes constitutes acceptance of the updated policy.