Viora Pay – Privacy Policy
Effective Date: 8/10/2025
Last Updated: 8/10/2025
1. INTRODUCTION
Viora Pay (“Viora Pay,” “we,” “us,” or “our”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our payment plan, installment financing, and related services (“Services”). By using our Services, you consent to the practices described in this Privacy Policy. If you do not agree, you should not use our Services.
2. INFORMATION WE COLLECT
We may collect the following categories of information:
2.1 Personal Identifying Information (PII)
Full name Date of birth Government-issued identification numbers (e.g., driver’s license, passport) Contact information (address, email, phone number)
2.2 Financial Information
Bank account details Credit card or debit card numbers Employment and income information Credit history and credit score (where applicable)
2.3 Transaction Information
Payment amounts and due dates Purchase history with participating merchants Records of communications related to your financing plan
2.4 Technical Information
IP address Browser type and version Device type, operating system, and settings Geolocation data (if enabled)
2.5 Communications
Customer service inquiries and responses Call recordings (where permitted by law) Email correspondence
3. HOW WE USE YOUR INFORMATION
We may use your information for: Processing financing applications and verifying identity Conducting credit checks and fraud prevention Setting up and managing your payment plan Processing and collecting payments Sending payment reminders, account updates, and legal notices Complying with applicable laws, regulations, and court orders Enforcing our Terms & Conditions and recovering debts Reporting to credit bureaus (positive and negative payment history)Improving our Services, security, and fraud detection systems
4. INFORMATION SHARING & DISCLOSURE
We do not sell your personal information. However, we may share your data with:Merchants: To confirm purchase details and payment terms.Credit Bureaus: For credit reporting and verification.Debt Collection Agencies: If your account becomes delinquent.Financial Institutions & Payment Processors: To process payments securely.Legal Authorities: When required by law or to enforce our rights.Service Providers: For analytics, cloud storage, security, and IT support.
5. DATA RETENTION
We retain your personal and financial information for as long as necessary to:Fulfill the purposes described in this Privacy PolicyComply with legal, accounting, and regulatory obligationsResolve disputes and enforce our agreementsIf you close your account, we may still retain necessary data as required by law.
6. DATA SECURITYWe use industry-standard security measures, including encryption, firewalls, and secure socket layer (SSL) technology, to protect your data.However, no transmission or storage method is 100% secure, and we cannot guarantee absolute protection against unauthorized access, use, or disclosure.
7. YOUR RIGHTSDepending on your jurisdiction, you may have the right to:Access and request a copy of your dataRequest corrections to inaccurate or incomplete dataRequest deletion of your personal information (subject to legal obligations)Object to certain types of processingRequest that we restrict or limit processing of your dataTo exercise your rights, contact support@viorapay.com We may require verification of your identity before fulfilling your request.
8. COOKIES & TRACKING TECHNOLOGIES
We may use cookies, web beacons, and similar technologies to:Remember your login detailsTrack activity on our website for analyticsImprove website performance and user experienceYou can manage cookie settings through your browser, but disabling cookies may limit certain features of our Services.
9. INTERNATIONAL DATA TRANSFERS
If you access our Services from outside the United States, your data may be transferred to and processed in the U.S. or other jurisdictions where our servers or service providers are located.
10. CHILDREN’S PRIVACYOur Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors.
11. CHANGES TO THIS PRIVACY POLICYWe may update this Privacy Policy at any time. When changes are made, the “Last Updated” date will be revised. Continued use of our Services constitutes your acceptance of the updated policy.