PayMaster Privacy Policy - (29th Mar 2025)

This Privacy Policy sets out your rights regarding the collection, use, storage, sharing and protection of your personal information. It applies to the PayMaster website [www.paymasterapp.com] and all related sites, applications, services and tools. This includes features such as Hoppr Driver, Hoppr Passenger, and Creddy Borrower, which are part of the PayMaster app, regardless of how you access or use them.

Scope and Consent

You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively "PayMaster Services"), including Hoppr and Creddy. The laws of the Republic of Sri Lanka apply to this Privacy Policy. We may amend this Privacy Policy at any time. If changes are substantial, we will notify you 30 days in advance via our “Policy Updates” page.

Collection of Personal Information and Security

We collect the following types of personal information to provide and improve the PayMaster platform and its features:

Information We Collect Automatically:

• IP address, device ID/type, connection info, mobile network, geolocation
  
• Trip details (Hoppr), repayment data (Creddy)
  
• Web log data, cookies, referral URLs, crash reports
  

Information You Provide:

• Name, address, email, phone number
  
• Date of birth, national ID
  
• Linked bank or card info
  
• Profile photo, ID/Driver license images
  
• Usage data from Hoppr and Creddy, including referrals, trips, and repayments
  

Other Sources:

• Customer support chats, survey responses, credit bureaus, social media (if authorized)
  

Authentication & Fraud Detection

We monitor device interactions and platform activity (e.g., Hoppr ride acceptance, Creddy repayment patterns) to detect fraud or misuse.

Using Your Mobile Device

We collect your location when needed for services such as Hoppr rides or geo-personalized content. You can manage this via device settings.

How We Use Your Personal Information

• Provide and manage services on PayMaster, Hoppr, and Creddy
  
• Process transactions, rides, and credit payouts
  
• Verify identity
  
• Detect fraud and enforce policies
  
• Tailor your experience
  
• Contact you via SMS, email, or calls
  
• Evaluate creditworthiness (Creddy)
  
• Send marketing (only with your consent)
  

Marketing

We do not sell or share your data for marketing without your consent. You can opt out anytime from within your account settings.

Cookies and Similar Technologies

We use cookies to improve functionality and security. You may disable them in your browser, but it may impact your experience.

Data Protection and Storage

Your data is encrypted during transmission. We use secure infrastructure and third-party providers who follow strict data protection guidelines.

Sharing Personal Information with Other Users

When using Hoppr, your name or ride details may be shared with passengers or drivers. In Creddy, repayment status is used internally to assess credit scores.

Sharing with Third Parties

We may share data with:

• PayMaster affiliates (e.g., Hoppr, Creddy)
  
• Credit bureaus
  
• Government or legal entities (if required)
  
• Service providers under strict contracts
  
• Merging/acquiring entities (with notice)
  
• Others, only with your consent
  

Your Rights

You can edit or delete your personal data via your profile settings or request deletion here:
📩 https://wa.me/94117731800?text=Account%20Removal%20Request%20For%20

Additional Terms for Hoppr and Creddy

Data Sharing

Hoppr and Creddy share user data to enable personalized credit evaluations and service access.

Creditworthiness Evaluation

Creddy uses factors like trip count, referral activity, and repayment behavior to assign credit limits.

Automated Decisions

Some Creddy approvals are handled by algorithms. By using the feature, you consent to this.

Data We Collect

• GPS trip data
  
• Trip accept/reject behavior
  
• Ratings and feedback
  
• Repayment timelines
  

Use of Borrowed Credit

Creddy credit can be used for various in-app and external purposes. Service fees may apply depending on the nature of usage, whether internal or external.

Contact Us

📧 Email: [email protected]