Privacy Policy

Last updated: February 1, 2026

Welcome to Chaay.io. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide when using our services, including:

• Name and contact information (phone number, email address)
• Date of birth (for birthday rewards)
• Profile information and preferences
• Transaction history and loyalty points
• Device information and identifiers

Automatically Collected Information

When you use our application, we may automatically collect:

• Device type, operating system, and version
• IP address and general location data
• App usage data and analytics
• Push notification tokens

2. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our loyalty rewards services
• To process transactions and manage your loyalty points
• To send you promotional offers, updates, and notifications
• To personalize your experience and provide relevant rewards
• To improve our services and develop new features
• To communicate with you about your account
• To comply with legal obligations

3. Information Sharing

We may share your information in the following circumstances:

• With merchant partners to process loyalty transactions
• With service providers who assist in operating our platform
• When required by law or to protect our rights
• With your consent for other purposes

We do not sell your personal information to third parties.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication mechanisms
• Regular security assessments and updates
• Access controls and monitoring

5. Your Rights and Choices

You have the following rights regarding your personal information:

• Access and review your personal data
• Request correction of inaccurate information
• Request deletion of your account and data
• Opt-out of marketing communications
• Disable push notifications through device settings

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. We may also retain certain information as required by law or for legitimate business purposes.

7. Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

8. Third-Party Services

Our application may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.