PayRails ("the App", "we", "us") is operated by GBC-ai4org (OnlineGBC). This Privacy Policy explains what information the App collects, how it is used, and the choices you have. By using PayRails you agree to this policy.
Information we collect
- Account information — your email address and name, used to create and identify your account.
- Authentication data — your password, stored only in a securely hashed form.
- Transaction information — payment amounts, descriptions, merchant/recipient identifiers, and simulated rail selections you create in the App.
- Bank/payment details — any account information you enter for demonstration purposes; this is handled for the simulated payment flows only.
- Usage and device data — basic technical information (such as IP address and request logs) generated when you use the service.
How we use information
- To provide and operate the App's payment and wallet features.
- To authenticate you and keep your account secure.
- To maintain, troubleshoot, and improve the service.
- To comply with legal obligations.
How we share information
We do not sell your personal information. We share data only with:
- Infrastructure providers — the App runs on Google Cloud Platform, which processes data on our behalf to host the service.
- Legal requirements — where required by applicable law or valid legal process.
Data security
All traffic to and from the App is encrypted in transit using HTTPS/TLS. Passwords are stored hashed, and sensitive fields are encrypted at rest. No method of transmission or storage is 100% secure, but we take reasonable measures to protect your information.
Data retention and deletion
We retain account and transaction data for as long as your account is active or as needed to provide the service. You may request access to, correction of, or deletion of your data by contacting us at the address below, and we will respond within a reasonable timeframe.
Children's privacy
PayRails is intended for users aged 18 and older. We do not knowingly collect personal information from children.
Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be reflected by updating the "Last updated" date at the top of this page.
Contact us
Questions or requests regarding this policy or your data: payrails-privacy@onlinegbc.com.