Privacy & Terms — PayTool AI

Effective date: June 1, 2026 · PayTool AI, Inc. · Delaware, USA

Privacy Policy

PayTool AI, Inc. (“PayTool”, “we”, “us”) is committed to protecting your privacy. This policy explains what information we collect, how we use it, and the rights you have over your data.

1. Data we collect

Account information — your name, company name, email address and authentication credentials.
Transaction metadata — amounts, dates, currencies, processor references and reconciliation status pulled via read-only connections. We never store full card numbers or banking credentials.
Usage analytics — how you interact with the product, used to improve performance and reliability.

2. How we use data

Service delivery — to match transactions, surface anomalies and generate reconciliation reports.
AI model improvement — we use anonymized, aggregated data to improve matching accuracy. Identifiable financial details are never used to train shared models.
Support — to respond to your requests and troubleshoot issues.

3. Data security

All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). PayTool operates under SOC 2 controls and connects to your accounts using read-only access only — we are technically unable to move your money.

4. Third parties

We rely on a small set of trusted sub-processors to operate the service, including Amazon Web Services (hosting), the Stripe API and other payment processors you choose to connect. We do not sell your personal or financial data to anyone.

5. Your rights

Access — request a copy of the personal data we hold about you.
Deletion — request deletion of your account and associated data.
Export — export your reconciliation data at any time in CSV format.

To exercise any of these rights, contact us at privacy@paytool739.xyz.

Terms of Service

These Terms of Service (“Terms”) govern your access to and use of PayTool. By creating an account, you agree to these Terms.

1. SaaS subscription

PayTool is provided as a subscription service. Paid plans renew automatically until cancelled. You may upgrade, downgrade or cancel at any time; fees already paid are non-refundable except where required by law.

2. Acceptable use

You agree not to misuse the service, including attempting to gain unauthorized access, reverse engineer the platform, or use it to process data you are not authorized to access. You are responsible for maintaining the confidentiality of your account credentials.

3. Limitation of liability

PayTool is provided “as is.” To the maximum extent permitted by law, PayTool shall not be liable for any indirect, incidental or consequential damages arising from your use of the service. Reconciliation outputs are decision-support tools and do not replace professional accounting judgment.

4. Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-law principles. Any disputes shall be resolved in the state or federal courts located in Delaware.

Questions about these Terms? Email founder@paytool739.xyz.