Yodl Pay — Privacy Policy

Version 1.0 · October 2025

1. Introduction

This Privacy Policy explains how Yodl Association, Gartenstrasse 6, 6300 Zug, Switzerland (“Yodl Pay,” “we,” “us,” or “our”) collects, uses, and protects information in connection with the Yodl Pay mobile application, website, and related services (“Services”).

By using Yodl Pay, you consent to this Policy.

Yodl Pay is a self-custodial wallet that allows users to make payments with digital assets onchain and, where supported, through connected payment networks through licensed third-party partners.

2. Information We Collect

a. Account Information

When you create an account, a self-custodial wallet is generated through our technology partner.
We collect limited details such as your email address and, where applicable, a display name or identifier used within the app.

b. Identity and Verification Data

In certain jurisdictions or for higher usage limits, you may be asked to verify your identity through a licensed third-party provider or payment partner.
To enable this process, Yodl Pay may collect or share limited personal information as required by the relevant partner to provide access to their services and comply with applicable regulations.

c. Payment and Transaction Data

We record payment-related data such as transaction identifiers, token amounts, currencies, memos, and counterparties as needed to operate the Services, prevent fraud, and comply with partner or legal obligations.

d. Technical and Usage Data

We may collect technical details such as device type, operating system, IP address, and app version, as well as usage metrics, crash logs, and diagnostics to maintain performance and security.
Approximate location data may be collected to optimize network routing, show relevant payment options, and meet compliance requirements.

3. How We Use Information

We use information to:

• Provide and maintain the Yodl Pay Services;
  
• Facilitate payments and settlement through third-party partners;
  
• Verify user identity when required by regulation or partner policy;
  
• Detect, prevent, and investigate fraud or misuse;
  
• Improve functionality, performance, and user experience;
  
• Communicate updates, service notices, or support information.
  

We process personal data on the basis of user consent, contractual necessity, and legitimate interests consistent with applicable data-protection laws.

4. Information Sharing

Yodl Pay may share limited data only as necessary to deliver the Services:

• Technology partners for wallet creation, hosting, and authentication;
  
• Licensed payment partners for conversion, settlement, and compliance when connecting to supported payment networks;
  
• Verification providers for identity checks or regulatory screening;
  
• Infrastructure and analytics providers for hosting, monitoring, and app analytics.
  

We do not sell personal data. Any data shared with partners is used solely to provide or support Yodl Pay’s functionality and compliance obligations.

5. Data Storage and Security

Personal data is stored securely using appropriate technical and organizational safeguards.
We maintain measures designed to protect information against unauthorized access, loss, or misuse.

While we take reasonable measures to protect your information, no system can be guaranteed to be completely secure.

Data is retained only as long as necessary to operate the Services or meet legal and regulatory requirements.

You may request deletion of your personal data at any time, subject to applicable obligations.

6. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access, correct, or delete personal data;
  
• Object to or restrict certain processing;
  
• Withdraw consent where applicable;
  
• Request data portability.
  

Requests can be submitted to info@yodlpay.com.
We may require verification of identity before fulfilling a request.

7. International Transfers

Your information may be processed outside your country of residence.
When data is transferred internationally, Yodl Pay applies appropriate safeguards consistent with applicable data-protection laws.

8. Updates to This Policy

We may update this Privacy Policy periodically.
Material updates will be communicated within the app or on our website.
Continued use of Yodl Pay after an update constitutes acceptance of the revised Policy.

9. Contact

Yodl Association
Gartenstrasse 6, 6300 Zug, Switzerland
📧 info@yodlpay.com