Privacy Policy

Ayocard! ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our digital calling card and payment platform.

We comply with the Philippine Data Privacy Act of 2012 (DPA), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA).

Personal Information

• Account Information: Name, email address, password (encrypted)
• Profile Information: Title, profile image, contact links
• Delivery Information: Address, phone number (for physical card orders)

Automatically Collected Information

• IP address and device information
• Browser type and operating system
• Card view analytics (page visits, tap counts)
• Usage patterns and preferences

Payment Information

We do not store your payment card details. All payment processing is handled by PayMongo, our third-party payment processor. We only store transaction references for order tracking purposes.

We use your information to:

• Provide and maintain our services
• Process your orders and payments
• Send you service-related communications
• Improve our platform and user experience
• Detect and prevent fraud or abuse
• Comply with legal obligations

We implement industry-standard security measures to protect your personal information:

• Encryption: Your sensitive data is encrypted using AES-256-GCM with per-user encryption keys
• Secure Storage: All data is stored in secure, encrypted databases
• Access Controls: Strict role-based access controls limit who can access your data
• Audit Logging: All access to sensitive data is logged and monitored

We retain your data according to the following schedule:

You have the following rights regarding your personal data:

• Right to Access: Request a copy of your personal data
• Right to Rectification: Correct inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data
• Right to Data Portability: Export your data in a machine-readable format
• Right to Object: Object to certain processing of your data
• Right to Withdraw Consent: Withdraw consent at any time

To exercise these rights, visit your Privacy Settings or contact us at privacy@ayocard.net

You can request deletion of your account at any time through your Privacy Settings. Upon request:

• Your account will be scheduled for deletion with a 30-day grace period
• You can cancel the deletion request within this period
• After the grace period, your data is cryptographically erased
• You will receive a deletion certificate as proof

We do not sell your personal information. We may share your data with:

• Service Providers: Third parties who help us operate our platform (e.g., payment processors, shipping partners)
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger or acquisition

Our print partners receive only the minimum information necessary to fulfill physical card orders. They do not have access to your full name, contact information, or payment details.

We use essential cookies to maintain your session and preferences. We do not use tracking cookies or share cookie data with third parties.

Your data may be processed in countries outside your country of residence. We ensure appropriate safeguards are in place for any international data transfers.

We may update this Privacy Policy from time to time. We will notify you of any material changes by email or through a notice on our platform. Your continued use of our services after such changes constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy or our data practices, please contact us:

• Email: privacy@ayocard.net
• Address: Unit 1015, Parkway Corporate Center, Filinvest City, Alabang, Muntinlupa City 1780, Philippines

For complaints, you may also contact the National Privacy Commission of the Philippines at privacy.gov.ph