About This Privacy Policy
We take your privacy seriously. This Privacy Policy explains what information we collect, how we use it, when it may be shared, how long it may be retained, and the rights available to you.
If you do not agree with the terms of this Privacy Policy, please discontinue use of our Services.
For the purposes of this Privacy Policy, “Services” includes our websites, the AI Zenox and QIRO AI mobile applications, market-analysis features, AI-assisted tools, customer support, sales, marketing, and other related services provided by PayBack Digital Services.
Information We Collect
We collect personal information that you voluntarily provide when you:
- Create or register an account;
- Use AI Zenox or QIRO AI;
- Express interest in our products, services, or plans;
- Contact customer support;
- Communicate with us; or
- Otherwise interact with our Services.
Depending on how you interact with our Services, this information may include:
- First and last name;
- Nickname or profile information;
- Email address;
- Phone number; and
- Other similar information you voluntarily provide.
The information we collect depends on the Services and features you use.
You are responsible for ensuring that personal information you provide is accurate, complete, and up to date.
QIRO AI Chart-Analysis Information
QIRO AI provides AI-assisted market research and chart-analysis functionality.
When you voluntarily use these features, you may provide or generate information such as:
- Chart images or screenshots;
- Selected markets or instruments;
- Selected chart timeframes;
- Analysis requests or prompts;
- Technical chart information made available to the analysis feature; and
- AI-generated analysis or responses associated with your request.
This information may be processed as necessary to provide the requested functionality, generate analysis, maintain the Services, improve reliability, prevent misuse, and troubleshoot technical issues.
Users should avoid uploading screenshots, charts, or other materials containing unnecessary personal, confidential, or sensitive information.
QIRO AI-generated outputs are intended for informational, research, and educational purposes. Please refer to the applicable Terms and Risk Disclaimer for information concerning the use of market-analysis features.
Application Information and Notifications
When using AI Zenox or QIRO AI, we may process information necessary for the operation and functionality of the application.
We may request permission to send push notifications relating to:
- Your account;
- Market-analysis features;
- Application activity;
- Product or feature updates;
- Service announcements; and
- Plan-related information.
You can disable push notifications at any time through your device settings.
How We Use Information
We process information for legitimate business purposes, to provide our Services, fulfill our contractual obligations, comply with applicable legal requirements, and where appropriate, based on your consent.
We may use information to:
- Create and maintain user accounts;
- Authenticate users and facilitate login;
- Provide AI Zenox and QIRO AI functionality;
- Process chart-analysis requests;
- Generate AI-assisted analysis requested by users;
- Provide and maintain market-analysis tools;
- Operate and improve our Services;
- Respond to customer support requests;
- Communicate important administrative information;
- Inform users about new features, products, policies, or Service updates;
- Send marketing communications where permitted and consistent with user preferences;
- Protect our Services from misuse, fraud, or unauthorized activity;
- Troubleshoot technical problems; and
- Comply with applicable laws and legal obligations.
Where supported, you may also choose to use a third-party account or authentication provider, such as Google, to facilitate account creation or login.
Third-Party Websites and Services
Our Services may contain links to websites, applications, or services operated by third parties.
PayBack Digital Services does not control these third-party services and cannot guarantee the security or privacy of information you provide directly to them.
Information collected independently by third-party websites or applications is governed by their respective privacy policies and not this Privacy Policy.
We encourage users to review the privacy practices of any third-party service before providing personal information.
Data Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by applicable law, including for tax, accounting, dispute-resolution, fraud-prevention, or other legal obligations.
No purpose described in this Privacy Policy will require us to retain personal information for longer than 6 months unless a longer period is required or permitted by applicable law.
When we no longer have an ongoing legitimate business need to process personal information, we will delete or anonymize it.
Where immediate deletion is not reasonably possible, we may securely store and isolate the information from further processing until deletion becomes possible.
Information Security
We implement reasonable technical and organizational safeguards designed to protect personal information processed through our Services.
However, no electronic transmission, internet-based service, or information-storage technology can be guaranteed to be completely secure.
While we take reasonable measures to protect information, users should also access the Services through secure devices and networks and take appropriate steps to protect their account credentials.
Children Under 18
Our Services are not intended for children under 18 years of age, and we do not knowingly solicit or collect personal information from children under 18.
If we become aware that personal information belonging to a person under 18 has been collected in violation of this policy, we will take reasonable steps to deactivate the relevant account and delete the information where appropriate.
If you believe that we may have collected information from a child under 18, please contact:
Your Privacy Rights
Depending on your country or region, applicable privacy and data-protection laws may provide you with rights concerning your personal information.
These may include the right to:
- Request access to your personal information;
- Request a copy of your information;
- Correct inaccurate information;
- Request deletion or erasure;
- Restrict certain processing;
- Request data portability;
- Object to certain processing; and
- Withdraw consent where processing is based on consent.
Withdrawal of consent does not affect the lawfulness of processing conducted before the withdrawal.
To exercise an applicable privacy right, contact us using the information provided at the end of this Privacy Policy.
Account Updates and Deletion
You may request to review, update, or terminate your account.
When an account deletion request is completed, we will deactivate or delete the account and associated personal information from our active systems, subject to information that we may need to retain where permitted or required by law.
Certain information may be retained where reasonably necessary to:
- Prevent fraud or abuse;
- Resolve disputes;
- Troubleshoot technical problems;
- Assist investigations;
- Enforce our agreements;
- Meet legal, regulatory, tax, or accounting requirements; or
- Protect the rights and security of our Services and users.
Where an application provides an in-app account deletion option, users may submit their request through that feature. Users may also use our designated account-deletion process or contact us.
Detailed instructions are available on our Account Deletion page.
Marketing Preferences
You may unsubscribe from marketing emails at any time by using the unsubscribe option provided in our communications or by contacting us.
You may contact:
contact@paybackdigitalservice.com
Administrative or service-related communications that are necessary for operation of your account may still be sent where permitted.
Data Breach Response
A privacy or data breach may occur where personal information is subject to unauthorized access, collection, use, disclosure, alteration, loss, or disposal.
If PayBack Digital Services becomes aware of a data breach affecting personal information, we will investigate the incident and take appropriate action in accordance with applicable law.
Where required, we will notify affected users and/or the appropriate supervisory or regulatory authority within the time period required by applicable law.
Do-Not-Track
Some web browsers, operating systems, and applications provide Do-Not-Track (“DNT”) functionality.
There is currently no universally accepted technology standard for recognizing and implementing DNT signals.
Accordingly, unless otherwise required by applicable law, our Services may not currently respond to DNT browser signals or similar automatic mechanisms.
If an applicable standard is established that we are required to follow, this Privacy Policy may be updated accordingly.
California Residents
California residents may have specific rights concerning their personal information under applicable California privacy laws.
Depending on the law applicable to you, these rights may include requesting information about categories of personal information collected or disclosed, requesting access to certain information, requesting correction or deletion, and exercising other applicable privacy rights.
Requests may be submitted using the contact information provided in this Privacy Policy.
We will process eligible requests in accordance with applicable legal requirements.
AI and Automated Processing
Certain QIRO AI features use artificial intelligence or automated technologies to analyze information submitted or selected by users.
AI-generated responses may include technical observations, market context, chart interpretations, hypothetical scenarios, or other analytical information.
AI systems may produce incomplete, inaccurate, outdated, or unexpected results.
Users should independently evaluate AI-generated information before relying on it.
The processing of information through AI features is performed for purposes including providing the requested functionality, maintaining and securing the Services, and supporting their reliable operation.
Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our Services, technology, business practices, or applicable legal requirements.
When this policy is updated, the revised version will display an updated “Last Updated” date.
Material changes may also be communicated through the Services or another appropriate notification method.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, AI Zenox, QIRO AI, or PayBack Digital Services' privacy practices, please contact:
PayBack Digital Services