Effective Date: May 26, 2026

Last Updated: May 26, 2026

Application Name: Payjoy

Bundle ID: com.consciousfinance.smartassistant

1. INTRODUCTION AND OVERVIEW

Welcome to Payjoy (hereinafter referred to as the "Application", "App", or "Service"), an mobile application developed, owned, and operated by Conscious Finance (hereinafter referred to as the "Company", "We", "Us", or "Our"). We are deeply committed to protecting your privacy, securing your personal data, and ensuring a transparent user experience. This Privacy Policy is designed to inform you, the user (hereinafter referred to as "You", "Your", or "User"), about how we collect, use, disclose, process, store, and safeguard your personal information when you download, install, access, or use Payjoy.

By downloading, installing, accessing, or using the Application, you explicitly acknowledge that you have read, understood, and agreed to be bound by all the terms, conditions, and practices outlined in this Privacy Policy. If you do not agree with any part of this Privacy Policy, you must immediately cease all use of the Application, uninstall it from your mobile device, and terminate any associated accounts. This document constitutes a legally binding agreement between you and Conscious Finance regarding your data privacy.

2. DEFINITIONS AND INTERPRETATION

To ensure maximum clarity throughout this document, the following terms shall have the meanings ascribed to them below:

• Application (App): Refers to the mobile software application named "Payjoy", bearing the unique Bundle ID com.consciousfinance.smartassistant, including all updates, upgrades, patches, and modifications thereto.
• Company: Refers to Conscious Finance, the entity responsible for the creation, maintenance, and data processing operations of the Application.
• Personal Data / Personal Information: Any information relating to an identified or identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, by reference to an identifier such as a name, an identification number, location data, an online identifier, or financial details.
• Processing: Any operation or set of operations performed on personal data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation, retrieval, consultation, use, disclosure, or destruction.
• GDPR: Refers to the General Data Protection Regulation (Regulation (EU) 2016/679).
• CCPA: Refers to the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (CPRA).

3. TYPES OF DATA WE COLLECT