Política de privacidad

Cómo Paylero maneja información personal y empresarial.

Last updated: 18 June 2026

This Privacy Policy explains how Paylero and its related services, operating under the Paylero brand, collect, use, store, protect, disclose, and retain information when you visit our website, use the Paylero business application, communicate with us, or use services connected to Paylero Lend or Paylero Collect.

In this Privacy Policy, “Paylero,” “we,” “us,” and “our” refer to Paylero. “You” refers to visitors, business users, account owners, authorized staff, customers, borrowers, invoice recipients, applicants, representatives, and other individuals who interact with Paylero.

By using our website, application, or services, you acknowledge that you have read and understood this Privacy Policy.

Paylero provides financial software tools for businesses, lenders, institutions, and organizations.

Our current services include:

  1. Paylero Lend — software that helps lenders and financial institutions create, send, manage, service, and track loan offers and loans.
  2. Paylero Collect — software that helps individuals, businesses, landlords, schools, clubs, small organizations, and institutions create invoices, request payments, track payment status, record payments, and manage customer balances without using a full accounting package.

Paylero does not currently operate a consumer wallet, hold customer funds, or process customer payments directly for Paylero Collect. Where Paylero Collect supports bank transfer tracking, customers pay the business or organization directly, and the business records or verifies the payment inside Paylero.

This Privacy Policy applies to:

  • The Paylero website.
  • The Paylero business application.
  • Paylero Lend.
  • Paylero Collect.
  • Support, onboarding, sales, billing, account management, and service communications.
  • Emails, SMS messages, notifications, and other communications sent through or about Paylero.
  • Information submitted by business users, account owners, staff, customers, borrowers, invoice recipients, and other individuals.

This Privacy Policy does not apply to third-party websites, applications, banks, lenders, financial institutions, mobile app stores, identity verification providers, payment providers, email providers, hosting providers, analytics providers, or other services that Paylero does not own or control. Those services may have their own privacy policies.

We collect information depending on how you interact with Paylero.

When you visit the Paylero website, we may collect:

  • Name, email address, phone number, company name, and message content when you contact us.
  • Pages visited, browser type, device type, approximate location, IP address, referring page, and usage activity.
  • Cookie and similar technology information.
  • Marketing preference information where applicable.

When a business, lender, institution, organization, or individual creates or uses a Paylero account, we may collect:

  • Account owner name.
  • Business or organization name.
  • Business address and contact details.
  • Email addresses and phone numbers.
  • Login credentials and authentication information.
  • User roles, permissions, activity logs, and account settings.
  • Billing information, subscription status, invoices, receipts, and payment records for Paylero subscription fees.
  • Support tickets, onboarding notes, and communication history.

When Paylero Lend is used to manage loan offers or loans, we may collect or process information such as:

  • Borrower or applicant name.
  • Email address, phone number, and contact details.
  • Loan offer details, repayment schedule, loan amount, fees, interest, due dates, late fees, offer status, and loan status.
  • Documents requested by the lender or business user.
  • Uploaded documents, images, selfie/liveness data, signed agreements, and related metadata where applicable.
  • Acceptance, approval, rejection, expiration, repayment, delinquency, and servicing records.
  • Communication records related to loan offers, reminders, overdue notices, and account servicing.
  • Audit logs showing who created, viewed, changed, approved, or sent loan-related records.

Paylero Lend is a software platform. Unless a separate written agreement says otherwise, the lender, financial institution, or business using Paylero Lend is responsible for its own lending decisions, borrower relationship, disclosures, credit decisions, funding, collections, and legal compliance.

When Paylero Collect is used to create invoices and manage payment collection, we may collect or process information such as:

  • Business or organization details.
  • Customer name, contact information, account reference, and billing details.
  • Invoice descriptions, invoice numbers, invoice amounts, VAT/tax fields where enabled, due dates, payment status, and notes.
  • Payment records entered by the business user.
  • Uploaded proof of payment, where enabled.
  • Reminder history and communication history.
  • Account activity and audit logs.

Paylero Collect helps users request, track, and record payments. Unless a separate written agreement says otherwise, Paylero does not collect money on behalf of Paylero Collect users, does not hold customer funds, and does not act as a bank, payment institution, accounting firm, tax advisor, debt collector, or legal advisor.

When you contact us or we contact you, we may collect:

  • Your name and contact details.
  • The content of your message.
  • Support requests, attachments, screenshots, and troubleshooting details.
  • Call, meeting, or onboarding notes, where applicable.
  • Preferences about how we should contact you.

We may collect technical information needed to operate, secure, debug, and improve Paylero, including:

  • IP address.
  • Device and browser information.
  • Login activity.
  • Session activity.
  • Error logs.
  • API request logs.
  • Security events.
  • Authentication, authorization, and permission logs.
  • Cookie identifiers and similar identifiers.

We collect information in the following ways:

  • Directly from you when you submit forms, create an account, upload information, or contact us.
  • From business users who enter customer, borrower, invoice, loan, or payment-tracking information into Paylero.
  • From lenders, institutions, organizations, account owners, administrators, and authorized staff who use Paylero.
  • Automatically through website and application usage logs, cookies, analytics tools, and security monitoring.
  • From third-party service providers where needed to provide, secure, bill, or support the services.
  • From public or business sources where reasonably necessary for onboarding, fraud prevention, support, or account verification.

We use information to:

  • Provide, operate, maintain, and improve Paylero.
  • Create and manage accounts.
  • Authenticate users and protect accounts.
  • Provide Paylero Lend and Paylero Collect features.
  • Send loan offer, invoice, payment reminder, account, support, and service communications.
  • Process subscriptions, invoices, and billing for Paylero services.
  • Provide customer support and respond to inquiries.
  • Configure user roles, permissions, and account access.
  • Store records, audit logs, and transaction history.
  • Detect, prevent, investigate, and respond to fraud, abuse, unauthorized access, security incidents, or technical issues.
  • Comply with legal, regulatory, tax, accounting, contractual, and audit obligations.
  • Enforce our Terms and Conditions and other agreements.
  • Improve our website, application, services, user experience, and internal operations.
  • Send product updates, administrative messages, and marketing communications where permitted.

Depending on the context, we may process information because:

  • You provided the information to us.
  • Processing is necessary to provide the service you or your organization requested.
  • Processing is necessary for a contract or pre-contract steps.
  • Processing is necessary for billing, support, security, fraud prevention, audit, or legal compliance.
  • Processing is necessary for legitimate business purposes, provided those purposes are not overridden by applicable privacy rights.
  • You have consented, where consent is required.
  • A business user, lender, institution, or organization has entered information into Paylero as part of its relationship with you.

We may use cookies, pixels, local storage, session storage, analytics tools, and similar technologies to:

  • Keep users signed in.
  • Remember preferences.
  • Protect accounts and sessions.
  • Understand website and application usage.
  • Improve performance and reliability.
  • Detect abuse or suspicious activity.
  • Support marketing and analytics where applicable.

You may be able to control cookies through your browser settings. Blocking cookies may affect website or application functionality.

We do not sell personal information.

We may share information with:

Information entered into a Paylero account may be visible to the account owner, administrators, and authorized users based on their roles and permissions.

If your information is entered into Paylero by a lender, business, institution, or organization, that party may access and use the information for its own business purposes and legal obligations.

We may share information with trusted service providers that help us operate Paylero, including hosting providers, database providers, file storage providers, email providers, SMS providers, analytics providers, security providers, billing providers, customer support tools, and professional advisors.

These providers may process information only as needed to provide services to us, unless their own terms or applicable law provide otherwise.

We may disclose information if we believe disclosure is necessary to:

  • Comply with law, regulation, court order, subpoena, legal process, or government request.
  • Protect the rights, safety, property, or security of Paylero, our users, customers, or others.
  • Investigate fraud, abuse, security incidents, or unauthorized access.
  • Enforce our Terms and Conditions or other agreements.
  • Respond to lawful requests from regulators, law enforcement, or public authorities.

If Paylero is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, information may be transferred as part of that transaction, subject to appropriate safeguards.

Paylero provides software tools. Businesses, lenders, institutions, and organizations that use Paylero are responsible for:

  • Ensuring they have the right to enter personal information into Paylero.
  • Providing any notices or consents required for their own customers, borrowers, staff, or contacts.
  • Using Paylero in a lawful manner.
  • Managing their own customer relationships.
  • Ensuring the accuracy of information they enter.
  • Responding to requests from their customers or borrowers where they control the relevant information.

Paylero may act as a service provider or processor for certain information entered by business users, depending on the relationship and applicable agreement.

We use reasonable administrative, technical, and organizational safeguards designed to protect information from unauthorized access, loss, misuse, alteration, or disclosure.

These safeguards may include:

  • Access controls.
  • Role-based permissions.
  • Authentication controls.
  • Encryption in transit.
  • Secure file storage practices.
  • Audit logs.
  • Monitoring and logging.
  • Backup and recovery measures.
  • Security review of key systems and service providers.

No system is completely secure. We cannot guarantee that unauthorized access, loss, misuse, or disclosure will never occur.

We retain information for as long as reasonably necessary to provide Paylero, comply with legal and contractual obligations, resolve disputes, enforce agreements, maintain audit records, support security, and operate our business.

Retention periods may vary depending on the type of information, the service used, the account settings, legal obligations, business needs, and whether the information relates to loans, invoices, payments, support, fraud prevention, audit logs, or account records.

When information is no longer required, we may delete, anonymize, aggregate, or securely archive it.

Business users are responsible for determining whether information in their Paylero account should be retained or deleted based on their own legal and business obligations, unless a written agreement with Paylero states otherwise.

Paylero may use service providers located in Trinidad and Tobago, the United States, or other countries. Information may be stored or processed in countries that have different data protection laws from your country of residence.

Where required, we use appropriate safeguards for cross-border processing and transfers.

Depending on applicable law and your relationship with Paylero, you may have rights to:

  • Request access to personal information about you.
  • Request correction of inaccurate or incomplete information.
  • Request deletion of certain information.
  • Object to or restrict certain processing.
  • Withdraw consent where processing is based on consent.
  • Opt out of marketing communications.
  • Request information about how your data is used or shared.

Some requests may need to be directed to the business, lender, institution, or organization that entered your information into Paylero. For example, if a lender uses Paylero Lend to manage your loan offer, that lender may be the primary party responsible for responding to certain requests about your loan records.

To make a privacy request, contact us at privacy@paylero.com.

We may need to verify your identity before responding. We may decline or limit requests where allowed by law, including where retention is required for legal, contractual, security, audit, accounting, lending, billing, dispute, or fraud-prevention reasons.

We may send product updates, newsletters, announcements, or marketing communications where permitted. You can opt out of marketing emails by using the unsubscribe link in the email or by contacting us.

Even if you opt out of marketing emails, we may still send transactional, service, security, billing, legal, support, loan, invoice, or account-related communications.

Paylero is designed for businesses, lenders, institutions, organizations, and adult users. Paylero is not intended for use by children.

Business users should not enter information about minors into Paylero unless they have the legal right and proper authority to do so and the use is appropriate for the service.

The Paylero website or application may link to third-party websites, applications, banks, lenders, identity providers, payment providers, app stores, or other services. We are not responsible for the privacy practices, content, security, or terms of third-party services.

You should review the privacy policies and terms of any third-party services you use.

We may update this Privacy Policy from time to time. When we make changes, we will update the “Last updated” date above. If changes are material, we may provide additional notice through the website, application, email, or other reasonable means.

Your continued use of Paylero after an updated Privacy Policy becomes effective means you acknowledge the updated policy.

For privacy questions, requests, or concerns, contact us at:

Paylero
Address: [PAYLERO REGISTERED ADDRESS]
Privacy: privacy@paylero.com
Support: support@paylero.com
Website: https://paylero.com

Questions about privacy?

Contact us at privacy@paylero.com or visit the Contact Paylero page.