Privacy Policy

We may collect information that you provide directly when creating an account, setting up your profile, using ToyoPay solutions or contacting us.
This may include your name, phone number, email address, account and business information, identification or verification information where required, and other details you choose to provide.

When you use ToyoPay features, we may also process information relating to your transactions, sales, expenses, income, customers, suppliers, products, invoices, budgets, savings goals and other activities you record within the platform.

We may also collect technical information such as your device type, operating system, app version, IP address, usage activity and diagnostic information to help us operate and improve ToyoPay.

We use the information we collect to provide and improve ToyoPay services, including to:

• Create and manage your ToyoPay account.
• Provide the ToyoPay products and features you choose to use.
• Process or facilitate transactions and payment-related services.
• Display your business and personal financial records within the application.
• Verify accounts and help prevent unauthorised or fraudulent activity.
• Provide customer support and respond to enquiries.
• Improve the performance, security and usability of our products.
• Send important service, account and security notifications.
• Send product updates or promotional communications where permitted.
• Meet applicable legal and regulatory requirements.

Where appropriate, ToyoPay may also use information generated from your activity to provide reports, summaries and insights within the application.

ToyoPay provides multiple financial solutions through one connected platform.

ToyoBiashara may process information about your business, including sales, expenses, products, inventory, customers, suppliers, invoices, staff and business performance.

ToyoBook may process personal information you provide about your personal income, expenses, budgets and savings goals to help you understand and manage your finances.

ToyoPay may process transaction and payment related information necessary to provide payment and collection services.

Other ToyoPay solutions, including ToyoFinance, ToyoCargo and ToyoFarmer, may require additional information depending on the services you choose to use.
Where additional information or consent is required for a particular service, we will provide appropriate information during that process.

We do not sell your personal information. We may share information where necessary with service providers and partners that help us operate ToyoPay, such as payment providers, financial institutions, infrastructure providers, identity-verification providers and other authorised partners. Information may also be disclosed where required by law, regulation, court order or a lawful request from an authorised public authority.

We require service providers handling information on our behalf to use it only for authorised purposes and in accordance with applicable requirements.

If you use ToyoBiashara as part of a business, information may be accessible to authorised members of that business according to the roles and permissions assigned to them. Business owners or authorised administrators are responsible for managing staff access and ensuring that appropriate permissions are assigned.

ToyoPay may record relevant account activity to help businesses understand actions performed by authorised users.

We use appropriate technical and organisational safeguards designed to protect information against unauthorised access, loss, misuse, alteration or disclosure. However, no digital platform or method of electronic transmission can guarantee absolute security. Users should also protect their account credentials and notify ToyoPay promptly if they believe their account has been compromised.

We retain personal information for as long as reasonably necessary to provide our services, fulfil the purposes described in this policy and meet applicable legal, regulatory, accounting and security requirements. Retention periods may vary depending on the type of information and service involved.

Depending on applicable law and the nature of your relationship with ToyoPay, you may have rights relating to your personal information, including requesting access to or correction of certain information and requesting deletion where legally permitted. Some information may need to be retained even after an account is closed where required for legal, regulatory, fraud-prevention or legitimate business purposes.
You may contact us if you would like to make a privacy-related request.

Our website may use cookies and similar technologies to provide essential functionality, understand how visitors use our website and improve the experience.
Where required, you may be given options to manage non-essential cookies.

ToyoPay may integrate with third-party services, including payment providers and financial institutions.
Their services may be governed by their own privacy policies and terms. We encourage you to review those policies when interacting directly with a third-party service.

We may update this Privacy Policy as ToyoPay evolves or when legal and regulatory requirements change.
When we make material changes, we will update the date shown at the top of this page and provide additional notice where appropriate.

If you have questions about this Privacy Policy, how your information is handled or your privacy rights, please contact us.
ToyoPay
Email: [Privacy/Support Email]
Phone: [Phone Number]
Address: [Registered Business Address]