Features

Features

Why choose Payora?

Why choose Payora?

Rejoindre la liste d'attente

Rejoindre la liste d'attente

Privacy policy

Privacy policy

KB DIGITAL CORP LTD ("PAYORA")

KB DIGITAL CORP LTD ("PAYORA")

Data Controller: KB Digital Corp Ltd

Data Controller: KB Digital Corp Ltd

Data Controller: KB Digital Corp Ltd

KB Digital Corp Ltd, a private limited company registered in England and Wales under company number 16843122, whose registered office is located at 20 Wenlock Road, London, England, N1 7GU (hereinafter: the "Company").

KB Digital Corp Ltd, a private limited company registered in England and Wales under company number 16843122, whose registered office is located at 20 Wenlock Road, London, England, N1 7GU (hereinafter: the "Company").

KB Digital Corp Ltd, a private limited company registered in England and Wales under company number 16843122, whose registered office is located at 20 Wenlock Road, London, England, N1 7GU (hereinafter: the "Company").

Data Protection Contact

Data Protection Contact

Data Protection Contact

You may address any questions relating to the protection of personal data at Payora or submit a request to exercise your rights of access, rectification, opposition, erasure, restriction, or portability to our Data Protection Contact:

  • By email: hello@payora.ai

  • By post: Data Protection Contact, KB Digital Corp Ltd, 20 Wenlock Road, London, England, N1 7GU

You may address any questions relating to the protection of personal data at Payora or submit a request to exercise your rights of access, rectification, opposition, erasure, restriction, or portability to our Data Protection Contact:

  • By email: hello@payora.ai

  • By post: Data Protection Contact, KB Digital Corp Ltd, 20 Wenlock Road, London, England, N1 7GU

You may address any questions relating to the protection of personal data at Payora or submit a request to exercise your rights of access, rectification, opposition, erasure, restriction, or portability to our Data Protection Contact:

  • By email: hello@payora.ai

  • By post: Data Protection Contact, KB Digital Corp Ltd, 20 Wenlock Road, London, England, N1 7GU

DATA WE COLLECT

DATA WE COLLECT

DATA WE COLLECT

Summary

As part of your use of our services and your navigation on our website, Payora collects several categories of data, details of which you will find below. This data comes from:

  • Information you provide to us: When you create your account, update your profile or customer account, or when you interact with our team. This personal information includes data enabling your identification, your email address, your photograph, and your bank details.


  • Information resulting from your use of our services: We collect information relating to the services you use and how you use them. For example, use of messaging, data relating to your navigation on the site, pages you have consulted, your activity on the Platform, and information relating to transactions.


We do not process special categories of data (sensitive data) such as data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs or trade union membership, genetic data, biometric data, data concerning health or data concerning a person's sex life or sexual orientation.


Data Relating to Sellers

We inform you at the time of collection whether the data is mandatory or optional.


Provided by the User

Personal Information:

  • First name

  • Last name

  • Date of birth

  • Gender

  • Email address

  • Professional category

  • Location

  • Profile photograph


Information Relating to Exchanges with Our Teams:

  • Emails

  • Dates and durations of telephone calls


Professional Information:

  • Professional experience

  • Skills

  • Portfolio

  • Deal preferences

  • Industry sector


Legal Entity Information:

  • Company name

  • Legal form

  • Identity of the legal representative of the company

  • Legal documents (company registration, proof of identity, etc.)


Banking Information:

  • Bank account details (IBAN)


Additional Profile Information:

  • Integration of social networks (LinkedIn, Twitter, GitHub, etc.)

  • Certifications and training

  • Languages


Information Relating to Completed Deals:

  • Comments

  • Reviews


Generated by Your Use of the Platform

Navigation Data:

  • Cookies and IP address


Transaction Information:

  • Transaction details

  • Wallet balances

  • Payment history


Reviews:

  • External reviews following your requests


Data Relating to Use of Secure Messaging:

  • User identifiers

  • Date and time of sending

  • Content


Data Relating to Buyers

We inform you at the time of collection whether the data is mandatory or optional.


Provided by the User


Personal Information:

  • First name

  • Last name

  • Date of birth

  • Gender

  • Email address

  • Profile photograph


General Company Information (if applicable):

  • Industry sector

  • Number of employees

  • Company logo

  • Legal structure

  • Billing contact details

  • Accounting contact


Information Relating to Deals:

  • Reviews received from Sellers

  • Comments


Information Relating to Completed Deals:

  • Comments

  • Reviews


Information Relating to Exchanges with Our Teams:

  • Emails

  • Dates and durations of telephone calls


Generated by Your Use of the Platform

Navigation Data:

  • Cookies and IP address


Transaction Information:

  • Transaction details

  • Wallet balances

  • Payment history


Data Relating to Use of Secure Messaging:

  • User identifiers

  • Date and time of sending

  • Content


Data Relating to Introducers


Personal/Company Information:

  • First name and last name (or company name)

  • Email address

  • Legal entity details (if applicable)

  • Banking information

  • Professional category


Transaction Information:

  • Deals facilitated

  • Commission earned

  • Payment history


Reviews:

  • Reviews from Buyers and Sellers

Summary

As part of your use of our services and your navigation on our website, Payora collects several categories of data, details of which you will find below. This data comes from:

  • Information you provide to us: When you create your account, update your profile or customer account, or when you interact with our team. This personal information includes data enabling your identification, your email address, your photograph, and your bank details.


  • Information resulting from your use of our services: We collect information relating to the services you use and how you use them. For example, use of messaging, data relating to your navigation on the site, pages you have consulted, your activity on the Platform, and information relating to transactions.


We do not process special categories of data (sensitive data) such as data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs or trade union membership, genetic data, biometric data, data concerning health or data concerning a person's sex life or sexual orientation.


Data Relating to Sellers

We inform you at the time of collection whether the data is mandatory or optional.


Provided by the User

Personal Information:

  • First name

  • Last name

  • Date of birth

  • Gender

  • Email address

  • Professional category

  • Location

  • Profile photograph


Information Relating to Exchanges with Our Teams:

  • Emails

  • Dates and durations of telephone calls


Professional Information:

  • Professional experience

  • Skills

  • Portfolio

  • Deal preferences

  • Industry sector


Legal Entity Information:

  • Company name

  • Legal form

  • Identity of the legal representative of the company

  • Legal documents (company registration, proof of identity, etc.)


Banking Information:

  • Bank account details (IBAN)


Additional Profile Information:

  • Integration of social networks (LinkedIn, Twitter, GitHub, etc.)

  • Certifications and training

  • Languages


Information Relating to Completed Deals:

  • Comments

  • Reviews


Generated by Your Use of the Platform

Navigation Data:

  • Cookies and IP address


Transaction Information:

  • Transaction details

  • Wallet balances

  • Payment history


Reviews:

  • External reviews following your requests


Data Relating to Use of Secure Messaging:

  • User identifiers

  • Date and time of sending

  • Content


Data Relating to Buyers

We inform you at the time of collection whether the data is mandatory or optional.


Provided by the User


Personal Information:

  • First name

  • Last name

  • Date of birth

  • Gender

  • Email address

  • Profile photograph


General Company Information (if applicable):

  • Industry sector

  • Number of employees

  • Company logo

  • Legal structure

  • Billing contact details

  • Accounting contact


Information Relating to Deals:

  • Reviews received from Sellers

  • Comments


Information Relating to Completed Deals:

  • Comments

  • Reviews


Information Relating to Exchanges with Our Teams:

  • Emails

  • Dates and durations of telephone calls


Generated by Your Use of the Platform

Navigation Data:

  • Cookies and IP address


Transaction Information:

  • Transaction details

  • Wallet balances

  • Payment history


Data Relating to Use of Secure Messaging:

  • User identifiers

  • Date and time of sending

  • Content


Data Relating to Introducers


Personal/Company Information:

  • First name and last name (or company name)

  • Email address

  • Legal entity details (if applicable)

  • Banking information

  • Professional category


Transaction Information:

  • Deals facilitated

  • Commission earned

  • Payment history


Reviews:

  • Reviews from Buyers and Sellers

Summary

As part of your use of our services and your navigation on our website, Payora collects several categories of data, details of which you will find below. This data comes from:

  • Information you provide to us: When you create your account, update your profile or customer account, or when you interact with our team. This personal information includes data enabling your identification, your email address, your photograph, and your bank details.


  • Information resulting from your use of our services: We collect information relating to the services you use and how you use them. For example, use of messaging, data relating to your navigation on the site, pages you have consulted, your activity on the Platform, and information relating to transactions.


We do not process special categories of data (sensitive data) such as data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs or trade union membership, genetic data, biometric data, data concerning health or data concerning a person's sex life or sexual orientation.


Data Relating to Sellers

We inform you at the time of collection whether the data is mandatory or optional.


Provided by the User

Personal Information:

  • First name

  • Last name

  • Date of birth

  • Gender

  • Email address

  • Professional category

  • Location

  • Profile photograph


Information Relating to Exchanges with Our Teams:

  • Emails

  • Dates and durations of telephone calls


Professional Information:

  • Professional experience

  • Skills

  • Portfolio

  • Deal preferences

  • Industry sector


Legal Entity Information:

  • Company name

  • Legal form

  • Identity of the legal representative of the company

  • Legal documents (company registration, proof of identity, etc.)


Banking Information:

  • Bank account details (IBAN)


Additional Profile Information:

  • Integration of social networks (LinkedIn, Twitter, GitHub, etc.)

  • Certifications and training

  • Languages


Information Relating to Completed Deals:

  • Comments

  • Reviews


Generated by Your Use of the Platform

Navigation Data:

  • Cookies and IP address


Transaction Information:

  • Transaction details

  • Wallet balances

  • Payment history


Reviews:

  • External reviews following your requests


Data Relating to Use of Secure Messaging:

  • User identifiers

  • Date and time of sending

  • Content


Data Relating to Buyers

We inform you at the time of collection whether the data is mandatory or optional.


Provided by the User


Personal Information:

  • First name

  • Last name

  • Date of birth

  • Gender

  • Email address

  • Profile photograph


General Company Information (if applicable):

  • Industry sector

  • Number of employees

  • Company logo

  • Legal structure

  • Billing contact details

  • Accounting contact


Information Relating to Deals:

  • Reviews received from Sellers

  • Comments


Information Relating to Completed Deals:

  • Comments

  • Reviews


Information Relating to Exchanges with Our Teams:

  • Emails

  • Dates and durations of telephone calls


Generated by Your Use of the Platform

Navigation Data:

  • Cookies and IP address


Transaction Information:

  • Transaction details

  • Wallet balances

  • Payment history


Data Relating to Use of Secure Messaging:

  • User identifiers

  • Date and time of sending

  • Content


Data Relating to Introducers


Personal/Company Information:

  • First name and last name (or company name)

  • Email address

  • Legal entity details (if applicable)

  • Banking information

  • Professional category


Transaction Information:

  • Deals facilitated

  • Commission earned

  • Payment history


Reviews:

  • Reviews from Buyers and Sellers

Statistical Information Relating to Your Use of Our Services

Statistical Information Relating to Your Use of Our Services

Statistical Information Relating to Your Use of Our Services

We collect statistics on the use of the secure messaging we offer (percentage of messages answered, response time); statistics on end-of-Deal evaluations (comments left by Buyers and Sellers, average ratings); user connection and navigation data; statistical data on the use of the search engine and contact forms; usage statistics of various modules such as quote tools, contracts, and payment systems; features made available to companies (reporting, team pages, performance metrics).


Statistics also relate to commercial data such as the number of Deals completed, transaction volumes by category of Sellers, Buyers, and Introducers.

We collect statistics on the use of the secure messaging we offer (percentage of messages answered, response time); statistics on end-of-Deal evaluations (comments left by Buyers and Sellers, average ratings); user connection and navigation data; statistical data on the use of the search engine and contact forms; usage statistics of various modules such as quote tools, contracts, and payment systems; features made available to companies (reporting, team pages, performance metrics).


Statistics also relate to commercial data such as the number of Deals completed, transaction volumes by category of Sellers, Buyers, and Introducers.

We collect statistics on the use of the secure messaging we offer (percentage of messages answered, response time); statistics on end-of-Deal evaluations (comments left by Buyers and Sellers, average ratings); user connection and navigation data; statistical data on the use of the search engine and contact forms; usage statistics of various modules such as quote tools, contracts, and payment systems; features made available to companies (reporting, team pages, performance metrics).


Statistics also relate to commercial data such as the number of Deals completed, transaction volumes by category of Sellers, Buyers, and Introducers.

Cookies

Cookies

Cookies

We use authentication cookies, security cookies and cookies relating to site integrity, location cookies, cookies linked to site functionality and services, analysis and research cookies, and cookies to deliver advertising messages.


For more information on Payora's cookie usage policy, you can consult our "Cookie Policy" available at: www.payora.ai/cookies

We use authentication cookies, security cookies and cookies relating to site integrity, location cookies, cookies linked to site functionality and services, analysis and research cookies, and cookies to deliver advertising messages.


For more information on Payora's cookie usage policy, you can consult our "Cookie Policy" available at: www.payora.ai/cookies

We use authentication cookies, security cookies and cookies relating to site integrity, location cookies, cookies linked to site functionality and services, analysis and research cookies, and cookies to deliver advertising messages.


For more information on Payora's cookie usage policy, you can consult our "Cookie Policy" available at: www.payora.ai/cookies

PURPOSES

PURPOSES

PURPOSES

Summary

Payora processes your personal data, in particular when you connect to the site, register on the site, engage in activity on the site, or use the payment system.

The data we collect allows us to provide, manage, protect and improve our services, develop new ones, and protect both our users and ourselves.


Details

In particular, this data is used for:


Account Creation and Management:

  • Creating and managing your account

  • Verifying your identity through KYC/KYB processes


Use of Platform Services:

  • Facilitating secure transactions through escrow payment system

  • Ensuring proposed Deals are relevant (lead moderation, anti-spam policy)

  • Protecting our users against spam and guaranteeing quality of service (including through statistics)

  • Enabling communication between users (Buyers, Sellers, Introducers) through secure instant messaging

  • Making your documents available (invoices, contracts, transaction records)

  • Verifying your company based on your legal documents


Personalized Follow-up:

  • Sending you only relevant communications, adapted to your needs and directly linked to Platform services (for example: suggesting relevant Deals, inviting you to update/complete your profile to maximize your opportunities)


Platform Security:

  • Securing the www.payora.ai site, as well as data and exchanges taking place on the site

  • Preventing fraud and ensuring regulatory compliance


Financial Management:

  • Managing financial flows occurring via the Platform

  • Processing payments and transfers

  • In accordance with the law, combating terrorism and money laundering


Service Improvement:

  • Developing our services to offer you new features and adapt to your needs

  • Creating statistics tracking site page audiences and tracking commercial activities and user behavior on the Platform (these statistics are anonymized as often as possible)


Profile Quality:

  • Ensuring quality of profiles

  • Fighting fraud

  • Verifying profile information (e.g. location, identity)


Notifications:

  • Sending you notifications related to your activity on the site (for example, when you receive a message, a Deal proposal, a payment)


Communications:

  • Communicating with you about products, services, promotions, surveys, news, updates and events

Summary

Payora processes your personal data, in particular when you connect to the site, register on the site, engage in activity on the site, or use the payment system.

The data we collect allows us to provide, manage, protect and improve our services, develop new ones, and protect both our users and ourselves.


Details

In particular, this data is used for:


Account Creation and Management:

  • Creating and managing your account

  • Verifying your identity through KYC/KYB processes


Use of Platform Services:

  • Facilitating secure transactions through escrow payment system

  • Ensuring proposed Deals are relevant (lead moderation, anti-spam policy)

  • Protecting our users against spam and guaranteeing quality of service (including through statistics)

  • Enabling communication between users (Buyers, Sellers, Introducers) through secure instant messaging

  • Making your documents available (invoices, contracts, transaction records)

  • Verifying your company based on your legal documents


Personalized Follow-up:

  • Sending you only relevant communications, adapted to your needs and directly linked to Platform services (for example: suggesting relevant Deals, inviting you to update/complete your profile to maximize your opportunities)


Platform Security:

  • Securing the www.payora.ai site, as well as data and exchanges taking place on the site

  • Preventing fraud and ensuring regulatory compliance


Financial Management:

  • Managing financial flows occurring via the Platform

  • Processing payments and transfers

  • In accordance with the law, combating terrorism and money laundering


Service Improvement:

  • Developing our services to offer you new features and adapt to your needs

  • Creating statistics tracking site page audiences and tracking commercial activities and user behavior on the Platform (these statistics are anonymized as often as possible)


Profile Quality:

  • Ensuring quality of profiles

  • Fighting fraud

  • Verifying profile information (e.g. location, identity)


Notifications:

  • Sending you notifications related to your activity on the site (for example, when you receive a message, a Deal proposal, a payment)


Communications:

  • Communicating with you about products, services, promotions, surveys, news, updates and events

Summary

Payora processes your personal data, in particular when you connect to the site, register on the site, engage in activity on the site, or use the payment system.

The data we collect allows us to provide, manage, protect and improve our services, develop new ones, and protect both our users and ourselves.


Details

In particular, this data is used for:


Account Creation and Management:

  • Creating and managing your account

  • Verifying your identity through KYC/KYB processes


Use of Platform Services:

  • Facilitating secure transactions through escrow payment system

  • Ensuring proposed Deals are relevant (lead moderation, anti-spam policy)

  • Protecting our users against spam and guaranteeing quality of service (including through statistics)

  • Enabling communication between users (Buyers, Sellers, Introducers) through secure instant messaging

  • Making your documents available (invoices, contracts, transaction records)

  • Verifying your company based on your legal documents


Personalized Follow-up:

  • Sending you only relevant communications, adapted to your needs and directly linked to Platform services (for example: suggesting relevant Deals, inviting you to update/complete your profile to maximize your opportunities)


Platform Security:

  • Securing the www.payora.ai site, as well as data and exchanges taking place on the site

  • Preventing fraud and ensuring regulatory compliance


Financial Management:

  • Managing financial flows occurring via the Platform

  • Processing payments and transfers

  • In accordance with the law, combating terrorism and money laundering


Service Improvement:

  • Developing our services to offer you new features and adapt to your needs

  • Creating statistics tracking site page audiences and tracking commercial activities and user behavior on the Platform (these statistics are anonymized as often as possible)


Profile Quality:

  • Ensuring quality of profiles

  • Fighting fraud

  • Verifying profile information (e.g. location, identity)


Notifications:

  • Sending you notifications related to your activity on the site (for example, when you receive a message, a Deal proposal, a payment)


Communications:

  • Communicating with you about products, services, promotions, surveys, news, updates and events

LEGAL BASIS FOR PROCESSING

LEGAL BASIS FOR PROCESSING

LEGAL BASIS FOR PROCESSING

Payora processes most of your personal data within the framework of the service contract you concluded when registering on the site by accepting our Terms and Conditions. However, we may process certain data concerning you on the basis of your consent, due to legal obligations, or to respond to our legitimate interest in processing them.


Details


Service Contract: Payora processes most of your personal data within the framework of the service contract you concluded when registering on the site by accepting our Terms and Conditions. Thus, all data you provide when creating and managing your profile, as well as data necessary for creating, monitoring and processing a Deal, exchanges you may have with our support service or via secure messaging, and communications we send you in connection with our services or monitoring of your account are processed within this legal framework.


Legitimate Interest: We also process certain data on the basis of our legitimate interest for purposes of managing and securing access to our website, fighting fraud, and justifying our accounts (processing payments and transactions, justifying our service fees).


Consent: We may also collect your prior consent for processing certain data, for example for reusing your profile photograph by our services on commercial materials, or when you have not created an account on the Platform but wish to receive our commercial offers/newsletter.


Legal Obligations: Finally, we process certain data due to legal obligations imposed on us in the context of managing payments made via the Platform, and in particular combating terrorism and money laundering in accordance with UK anti-money laundering regulations and the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

Payora processes most of your personal data within the framework of the service contract you concluded when registering on the site by accepting our Terms and Conditions. However, we may process certain data concerning you on the basis of your consent, due to legal obligations, or to respond to our legitimate interest in processing them.


Details


Service Contract: Payora processes most of your personal data within the framework of the service contract you concluded when registering on the site by accepting our Terms and Conditions. Thus, all data you provide when creating and managing your profile, as well as data necessary for creating, monitoring and processing a Deal, exchanges you may have with our support service or via secure messaging, and communications we send you in connection with our services or monitoring of your account are processed within this legal framework.


Legitimate Interest: We also process certain data on the basis of our legitimate interest for purposes of managing and securing access to our website, fighting fraud, and justifying our accounts (processing payments and transactions, justifying our service fees).


Consent: We may also collect your prior consent for processing certain data, for example for reusing your profile photograph by our services on commercial materials, or when you have not created an account on the Platform but wish to receive our commercial offers/newsletter.


Legal Obligations: Finally, we process certain data due to legal obligations imposed on us in the context of managing payments made via the Platform, and in particular combating terrorism and money laundering in accordance with UK anti-money laundering regulations and the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

Payora processes most of your personal data within the framework of the service contract you concluded when registering on the site by accepting our Terms and Conditions. However, we may process certain data concerning you on the basis of your consent, due to legal obligations, or to respond to our legitimate interest in processing them.


Details


Service Contract: Payora processes most of your personal data within the framework of the service contract you concluded when registering on the site by accepting our Terms and Conditions. Thus, all data you provide when creating and managing your profile, as well as data necessary for creating, monitoring and processing a Deal, exchanges you may have with our support service or via secure messaging, and communications we send you in connection with our services or monitoring of your account are processed within this legal framework.


Legitimate Interest: We also process certain data on the basis of our legitimate interest for purposes of managing and securing access to our website, fighting fraud, and justifying our accounts (processing payments and transactions, justifying our service fees).


Consent: We may also collect your prior consent for processing certain data, for example for reusing your profile photograph by our services on commercial materials, or when you have not created an account on the Platform but wish to receive our commercial offers/newsletter.


Legal Obligations: Finally, we process certain data due to legal obligations imposed on us in the context of managing payments made via the Platform, and in particular combating terrorism and money laundering in accordance with UK anti-money laundering regulations and the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

RECIPIENTS OR CATEGORIES OF RECIPIENTS

RECIPIENTS OR CATEGORIES OF RECIPIENTS

RECIPIENTS OR CATEGORIES OF RECIPIENTS

Summary

Payora is the recipient of personal data collected through the Platform.

Some of the services and features made available to you by Payora require that we share information with other users or with our service providers. We may also share this information for legal reasons or in case of dispute.


Details

Payora is the recipient of personal data collected through the Platform.

We only share your personal data with companies, organizations or individuals outside Payora in the following circumstances:


Sharing with Other Users:

  • Sharing identification information with other parties when you create or participate in a Deal


  • Sharing legal documents and company information when a Deal commences


External Processing: When necessary for external processing needs, and only in this case, we transmit this data to our trusted service providers who process it on our behalf, according to our instructions or according to a contractual agreement, in accordance with this Privacy Policy and in compliance with any other appropriate security and confidentiality measures. We may transmit your personal data to them only for the purposes set out below:


  • Mangopay UK Ltd (Company Number 14111900, registered office: 32-34 Great Marlborough Street, London, England, W1F 7JB): To open a payment account allowing you to receive or execute a payment for Deals made through our Platform. Mangopay also verifies that financial flows transiting through the Platform do not originate from money laundering or serve to finance terrorism. You can consult Mangopay's data protection policy at: https://www.mangopay.com/privacy/. If you have questions concerning protection of your personal data by Mangopay, you can contact them at legal@mangopay.com or contact our Data Protection Contact at hello@payora.ai who will forward your request.

  • Sumsub: For KYC/KYB identity verification services to comply with anti-money laundering and counter-terrorism financing regulations.


  • Analytics Services: For statistics and Platform improvement purposes.


  • Communication Services: For sending transactional and promotional communications.


  • Security Providers: We also transmit your personal data to our service providers responsible for ensuring security of our information system, including our website and the data you provide to us.


  • Data Storage: Storage of some of the data processed by Payora such as photographs and attachments exchanged via Platform messaging (cloud hosting services).

Legal Requirements: When necessary to satisfy legal or regulatory obligations, judicial proceedings, or administrative requests. We retain or disclose your information if we believe it is reasonably necessary to satisfy any legal or regulatory obligation, any judicial proceeding or administrative request, to protect the safety of a person, to address any fraudulent, security or technical issue, or to protect the rights or property of our users.


Important: Payora does not sell any data, information or documents you entrust to us to any third party and does not disclose your personal data outside the situations described in this Privacy Policy.

Summary

Payora is the recipient of personal data collected through the Platform.

Some of the services and features made available to you by Payora require that we share information with other users or with our service providers. We may also share this information for legal reasons or in case of dispute.


Details

Payora is the recipient of personal data collected through the Platform.

We only share your personal data with companies, organizations or individuals outside Payora in the following circumstances:


Sharing with Other Users:

  • Sharing identification information with other parties when you create or participate in a Deal


  • Sharing legal documents and company information when a Deal commences


External Processing: When necessary for external processing needs, and only in this case, we transmit this data to our trusted service providers who process it on our behalf, according to our instructions or according to a contractual agreement, in accordance with this Privacy Policy and in compliance with any other appropriate security and confidentiality measures. We may transmit your personal data to them only for the purposes set out below:


  • Mangopay UK Ltd (Company Number 14111900, registered office: 32-34 Great Marlborough Street, London, England, W1F 7JB): To open a payment account allowing you to receive or execute a payment for Deals made through our Platform. Mangopay also verifies that financial flows transiting through the Platform do not originate from money laundering or serve to finance terrorism. You can consult Mangopay's data protection policy at: https://www.mangopay.com/privacy/. If you have questions concerning protection of your personal data by Mangopay, you can contact them at legal@mangopay.com or contact our Data Protection Contact at hello@payora.ai who will forward your request.

  • Sumsub: For KYC/KYB identity verification services to comply with anti-money laundering and counter-terrorism financing regulations.


  • Analytics Services: For statistics and Platform improvement purposes.


  • Communication Services: For sending transactional and promotional communications.


  • Security Providers: We also transmit your personal data to our service providers responsible for ensuring security of our information system, including our website and the data you provide to us.


  • Data Storage: Storage of some of the data processed by Payora such as photographs and attachments exchanged via Platform messaging (cloud hosting services).

Legal Requirements: When necessary to satisfy legal or regulatory obligations, judicial proceedings, or administrative requests. We retain or disclose your information if we believe it is reasonably necessary to satisfy any legal or regulatory obligation, any judicial proceeding or administrative request, to protect the safety of a person, to address any fraudulent, security or technical issue, or to protect the rights or property of our users.


Important: Payora does not sell any data, information or documents you entrust to us to any third party and does not disclose your personal data outside the situations described in this Privacy Policy.

Summary

Payora is the recipient of personal data collected through the Platform.

Some of the services and features made available to you by Payora require that we share information with other users or with our service providers. We may also share this information for legal reasons or in case of dispute.


Details

Payora is the recipient of personal data collected through the Platform.

We only share your personal data with companies, organizations or individuals outside Payora in the following circumstances:


Sharing with Other Users:

  • Sharing identification information with other parties when you create or participate in a Deal


  • Sharing legal documents and company information when a Deal commences


External Processing: When necessary for external processing needs, and only in this case, we transmit this data to our trusted service providers who process it on our behalf, according to our instructions or according to a contractual agreement, in accordance with this Privacy Policy and in compliance with any other appropriate security and confidentiality measures. We may transmit your personal data to them only for the purposes set out below:


  • Mangopay UK Ltd (Company Number 14111900, registered office: 32-34 Great Marlborough Street, London, England, W1F 7JB): To open a payment account allowing you to receive or execute a payment for Deals made through our Platform. Mangopay also verifies that financial flows transiting through the Platform do not originate from money laundering or serve to finance terrorism. You can consult Mangopay's data protection policy at: https://www.mangopay.com/privacy/. If you have questions concerning protection of your personal data by Mangopay, you can contact them at legal@mangopay.com or contact our Data Protection Contact at hello@payora.ai who will forward your request.

  • Sumsub: For KYC/KYB identity verification services to comply with anti-money laundering and counter-terrorism financing regulations.


  • Analytics Services: For statistics and Platform improvement purposes.


  • Communication Services: For sending transactional and promotional communications.


  • Security Providers: We also transmit your personal data to our service providers responsible for ensuring security of our information system, including our website and the data you provide to us.


  • Data Storage: Storage of some of the data processed by Payora such as photographs and attachments exchanged via Platform messaging (cloud hosting services).

Legal Requirements: When necessary to satisfy legal or regulatory obligations, judicial proceedings, or administrative requests. We retain or disclose your information if we believe it is reasonably necessary to satisfy any legal or regulatory obligation, any judicial proceeding or administrative request, to protect the safety of a person, to address any fraudulent, security or technical issue, or to protect the rights or property of our users.


Important: Payora does not sell any data, information or documents you entrust to us to any third party and does not disclose your personal data outside the situations described in this Privacy Policy.

DATA RETENTION PERIOD

DATA RETENTION PERIOD

DATA RETENTION PERIOD

Summary

Payora retains your information as long as your account remains active, unless you request their deletion or that of your account. In certain cases, we may retain information concerning you due to law or for other purposes, as described in this section, even if you delete your account.


Details

Payora retains your information as long as your account remains active, unless you request their deletion or that of your account. Subject to exceptions indicated below, Payora deletes your information or renders it anonymous upon request.


We only retain your information in the following circumstances:


  • Transaction Records: If you have completed Deals, Payora retains your billing details for a period of six (6) years from closure/deletion of your user account in order to comply with our accounting obligations and UK tax requirements under HMRC regulations.

Legal Documentation: For Sellers and Introducers, Payora also retains, for a period of six (6) years, legal documentation allowing verification of your company or identity to meet legal obligations under UK anti-money laundering regulations and to enable Buyers to comply with their due diligence obligations.

Summary

Payora retains your information as long as your account remains active, unless you request their deletion or that of your account. In certain cases, we may retain information concerning you due to law or for other purposes, as described in this section, even if you delete your account.


Details

Payora retains your information as long as your account remains active, unless you request their deletion or that of your account. Subject to exceptions indicated below, Payora deletes your information or renders it anonymous upon request.


We only retain your information in the following circumstances:


  • Transaction Records: If you have completed Deals, Payora retains your billing details for a period of six (6) years from closure/deletion of your user account in order to comply with our accounting obligations and UK tax requirements under HMRC regulations.

Legal Documentation: For Sellers and Introducers, Payora also retains, for a period of six (6) years, legal documentation allowing verification of your company or identity to meet legal obligations under UK anti-money laundering regulations and to enable Buyers to comply with their due diligence obligations.

Summary

Payora retains your information as long as your account remains active, unless you request their deletion or that of your account. In certain cases, we may retain information concerning you due to law or for other purposes, as described in this section, even if you delete your account.


Details

Payora retains your information as long as your account remains active, unless you request their deletion or that of your account. Subject to exceptions indicated below, Payora deletes your information or renders it anonymous upon request.


We only retain your information in the following circumstances:


  • Transaction Records: If you have completed Deals, Payora retains your billing details for a period of six (6) years from closure/deletion of your user account in order to comply with our accounting obligations and UK tax requirements under HMRC regulations.

Legal Documentation: For Sellers and Introducers, Payora also retains, for a period of six (6) years, legal documentation allowing verification of your company or identity to meet legal obligations under UK anti-money laundering regulations and to enable Buyers to comply with their due diligence obligations.

DATA SECURITY

DATA SECURITY

DATA SECURITY

We implement appropriate technical and organizational measures to ensure security, confidentiality, integrity, availability and constant resilience of our information system and your data, and to protect personal data against destruction, loss, alteration, unauthorized disclosure or unauthorized access.


We undertake to implement all available means to ensure security and confidentiality of this data, in particular:


  • We encrypt most of our services using SSL technology

  • We verify your email address when creating your account

  • We conduct internal audits on data collection, storage and processing, including physical security measures, to prevent unauthorized access to our systems

  • Access to personal data is strictly reserved for Payora employees and service providers who need to know it. These persons are subject to strict confidentiality obligations and may be subject to disciplinary sanctions up to and including dismissal in case of breach of these obligations

  • We implement strong password requirements and two-factor authentication where available

  • We conduct regular security assessments and penetration testing

  • All payment data is processed through PCI DSS compliant payment service providers

We implement appropriate technical and organizational measures to ensure security, confidentiality, integrity, availability and constant resilience of our information system and your data, and to protect personal data against destruction, loss, alteration, unauthorized disclosure or unauthorized access.


We undertake to implement all available means to ensure security and confidentiality of this data, in particular:


  • We encrypt most of our services using SSL technology

  • We verify your email address when creating your account

  • We conduct internal audits on data collection, storage and processing, including physical security measures, to prevent unauthorized access to our systems

  • Access to personal data is strictly reserved for Payora employees and service providers who need to know it. These persons are subject to strict confidentiality obligations and may be subject to disciplinary sanctions up to and including dismissal in case of breach of these obligations

  • We implement strong password requirements and two-factor authentication where available

  • We conduct regular security assessments and penetration testing

  • All payment data is processed through PCI DSS compliant payment service providers

We implement appropriate technical and organizational measures to ensure security, confidentiality, integrity, availability and constant resilience of our information system and your data, and to protect personal data against destruction, loss, alteration, unauthorized disclosure or unauthorized access.


We undertake to implement all available means to ensure security and confidentiality of this data, in particular:


  • We encrypt most of our services using SSL technology

  • We verify your email address when creating your account

  • We conduct internal audits on data collection, storage and processing, including physical security measures, to prevent unauthorized access to our systems

  • Access to personal data is strictly reserved for Payora employees and service providers who need to know it. These persons are subject to strict confidentiality obligations and may be subject to disciplinary sanctions up to and including dismissal in case of breach of these obligations

  • We implement strong password requirements and two-factor authentication where available

  • We conduct regular security assessments and penetration testing

  • All payment data is processed through PCI DSS compliant payment service providers

DATA TRANSFERS TO THIRD COUNTRIES

DATA TRANSFERS TO THIRD COUNTRIES

DATA TRANSFERS TO THIRD COUNTRIES

Almost all of our servers on which your data is stored and those of service providers used to exchange and store this data are located in the United Kingdom or the European Economic Area.


In exceptional cases, some of our service providers whose main establishment is located in a country outside the UK or EEA may need to transfer your data to that country. In this case, we verify beforehand that they comply with their data protection obligations through:


  • Adequacy Decisions: Where the UK government has determined that a third country ensures an adequate level of data protection

  • Standard Contractual Clauses: Approved by the UK Information Commissioner's Office (ICO)

  • Other Appropriate Safeguards: As recognized under UK data protection law

Almost all of our servers on which your data is stored and those of service providers used to exchange and store this data are located in the United Kingdom or the European Economic Area.


In exceptional cases, some of our service providers whose main establishment is located in a country outside the UK or EEA may need to transfer your data to that country. In this case, we verify beforehand that they comply with their data protection obligations through:


  • Adequacy Decisions: Where the UK government has determined that a third country ensures an adequate level of data protection

  • Standard Contractual Clauses: Approved by the UK Information Commissioner's Office (ICO)

  • Other Appropriate Safeguards: As recognized under UK data protection law

Almost all of our servers on which your data is stored and those of service providers used to exchange and store this data are located in the United Kingdom or the European Economic Area.


In exceptional cases, some of our service providers whose main establishment is located in a country outside the UK or EEA may need to transfer your data to that country. In this case, we verify beforehand that they comply with their data protection obligations through:


  • Adequacy Decisions: Where the UK government has determined that a third country ensures an adequate level of data protection

  • Standard Contractual Clauses: Approved by the UK Information Commissioner's Office (ICO)

  • Other Appropriate Safeguards: As recognized under UK data protection law

YOUR RIGHTS

YOUR RIGHTS

YOUR RIGHTS

In accordance with the UK Data Protection Act 2018 and UK GDPR, you have rights of access, rectification, erasure, restriction, objection and portability regarding personal data concerning you.


Right of Access

You have a right of access to data concerning you processed by Payora. It allows you to become aware of the data we hold about you and, if you wish, to request a copy.


Right to Rectification

Under applicable regulations on protection of personal data, you may request from us rectification of personal data concerning you that is inaccurate. You may also request that incomplete personal data concerning you be completed, including by providing a supplementary statement in support.


To enable you to exercise this right as easily as possible, we invite you to make these modifications and additions directly on your profile. If you believe that other data concerning you must be modified or completed and you cannot make this change yourself, we invite you to make the request directly to our Data Protection Contact at hello@payora.ai.


Right to Erasure

You have the right to obtain from us erasure of personal data concerning you without undue delay, subject to our legitimate interest or any legal obligation requiring us to retain it.


For security reasons and to avoid unwanted account deletion, we invite you to perform this procedure yourself once logged into your account through your account settings.


Regarding your profile data, you should keep in mind that search engines and other third parties may still retain copies of your public profile information for a certain time even after you have deleted the information from the Payora site or deactivated your account.


Right to Restriction of Processing

You may request from Payora restriction of processing of your data (for example, temporarily making your profile unavailable on the site), when one of the following applies:


a) You contest accuracy of personal data concerning you. In this case, we will mask data concerning you for a period allowing us to verify its accuracy;


b) You consider that processing of your data is implemented unlawfully and you oppose their erasure and require instead restriction of their use;


c) We no longer need personal data concerning you for processing purposes but you still require them to establish, exercise or defend a legal right;


d) You have exercised your right to object pursuant to Article 21, paragraph 1 of UK GDPR. We will restrict processing of your data during verification as to whether our legitimate grounds override your rights.


If we decide to lift restriction of processing of your personal data, we will keep you informed.


Right to Object

You may object to receiving communications, including commercial communications, from Payora. For this purpose, we provide you with an unsubscribe link in all emails we send you, and you can manage your notification preferences directly through your account settings.


You may also object, for legitimate reasons, to processing of your data, unless it responds to a legal obligation imposed on Payora (for example, tax declarations, compliance with anti-money laundering regulations, etc.).


Right to Data Portability

You may at any time request portability of your Payora data. We undertake to transmit to you within a reasonable timeframe and in a machine-readable format the data you have provided to us, whether declared by yourself or generated by your activity on the Platform.


Right to Withdraw Consent

You have the right to refuse at any time processing of your personal data for personal reasons as well as the right to refuse processing of your personal data for direct marketing purposes.


Right to Lodge a Complaint with a Supervisory Authority

KB Digital Corp Ltd is registered in England and Wales. As such, the competent supervisory authority to handle any request concerning us, including, where applicable, a User complaint, is the Information Commissioner's Office (ICO).


If you wish to contact the ICO:


Information Commissioner's Office (ICO)
 Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Telephone: 0303 123 1113
Website: www.ico.org.uk


You can also lodge a complaint online at: https://ico.org.uk/make-a-complaint/

In accordance with the UK Data Protection Act 2018 and UK GDPR, you have rights of access, rectification, erasure, restriction, objection and portability regarding personal data concerning you.


Right of Access

You have a right of access to data concerning you processed by Payora. It allows you to become aware of the data we hold about you and, if you wish, to request a copy.


Right to Rectification

Under applicable regulations on protection of personal data, you may request from us rectification of personal data concerning you that is inaccurate. You may also request that incomplete personal data concerning you be completed, including by providing a supplementary statement in support.


To enable you to exercise this right as easily as possible, we invite you to make these modifications and additions directly on your profile. If you believe that other data concerning you must be modified or completed and you cannot make this change yourself, we invite you to make the request directly to our Data Protection Contact at hello@payora.ai.


Right to Erasure

You have the right to obtain from us erasure of personal data concerning you without undue delay, subject to our legitimate interest or any legal obligation requiring us to retain it.


For security reasons and to avoid unwanted account deletion, we invite you to perform this procedure yourself once logged into your account through your account settings.


Regarding your profile data, you should keep in mind that search engines and other third parties may still retain copies of your public profile information for a certain time even after you have deleted the information from the Payora site or deactivated your account.


Right to Restriction of Processing

You may request from Payora restriction of processing of your data (for example, temporarily making your profile unavailable on the site), when one of the following applies:


a) You contest accuracy of personal data concerning you. In this case, we will mask data concerning you for a period allowing us to verify its accuracy;


b) You consider that processing of your data is implemented unlawfully and you oppose their erasure and require instead restriction of their use;


c) We no longer need personal data concerning you for processing purposes but you still require them to establish, exercise or defend a legal right;


d) You have exercised your right to object pursuant to Article 21, paragraph 1 of UK GDPR. We will restrict processing of your data during verification as to whether our legitimate grounds override your rights.


If we decide to lift restriction of processing of your personal data, we will keep you informed.


Right to Object

You may object to receiving communications, including commercial communications, from Payora. For this purpose, we provide you with an unsubscribe link in all emails we send you, and you can manage your notification preferences directly through your account settings.


You may also object, for legitimate reasons, to processing of your data, unless it responds to a legal obligation imposed on Payora (for example, tax declarations, compliance with anti-money laundering regulations, etc.).


Right to Data Portability

You may at any time request portability of your Payora data. We undertake to transmit to you within a reasonable timeframe and in a machine-readable format the data you have provided to us, whether declared by yourself or generated by your activity on the Platform.


Right to Withdraw Consent

You have the right to refuse at any time processing of your personal data for personal reasons as well as the right to refuse processing of your personal data for direct marketing purposes.


Right to Lodge a Complaint with a Supervisory Authority

KB Digital Corp Ltd is registered in England and Wales. As such, the competent supervisory authority to handle any request concerning us, including, where applicable, a User complaint, is the Information Commissioner's Office (ICO).


If you wish to contact the ICO:


Information Commissioner's Office (ICO)
 Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Telephone: 0303 123 1113
Website: www.ico.org.uk


You can also lodge a complaint online at: https://ico.org.uk/make-a-complaint/

In accordance with the UK Data Protection Act 2018 and UK GDPR, you have rights of access, rectification, erasure, restriction, objection and portability regarding personal data concerning you.


Right of Access

You have a right of access to data concerning you processed by Payora. It allows you to become aware of the data we hold about you and, if you wish, to request a copy.


Right to Rectification

Under applicable regulations on protection of personal data, you may request from us rectification of personal data concerning you that is inaccurate. You may also request that incomplete personal data concerning you be completed, including by providing a supplementary statement in support.


To enable you to exercise this right as easily as possible, we invite you to make these modifications and additions directly on your profile. If you believe that other data concerning you must be modified or completed and you cannot make this change yourself, we invite you to make the request directly to our Data Protection Contact at hello@payora.ai.


Right to Erasure

You have the right to obtain from us erasure of personal data concerning you without undue delay, subject to our legitimate interest or any legal obligation requiring us to retain it.


For security reasons and to avoid unwanted account deletion, we invite you to perform this procedure yourself once logged into your account through your account settings.


Regarding your profile data, you should keep in mind that search engines and other third parties may still retain copies of your public profile information for a certain time even after you have deleted the information from the Payora site or deactivated your account.


Right to Restriction of Processing

You may request from Payora restriction of processing of your data (for example, temporarily making your profile unavailable on the site), when one of the following applies:


a) You contest accuracy of personal data concerning you. In this case, we will mask data concerning you for a period allowing us to verify its accuracy;


b) You consider that processing of your data is implemented unlawfully and you oppose their erasure and require instead restriction of their use;


c) We no longer need personal data concerning you for processing purposes but you still require them to establish, exercise or defend a legal right;


d) You have exercised your right to object pursuant to Article 21, paragraph 1 of UK GDPR. We will restrict processing of your data during verification as to whether our legitimate grounds override your rights.


If we decide to lift restriction of processing of your personal data, we will keep you informed.


Right to Object

You may object to receiving communications, including commercial communications, from Payora. For this purpose, we provide you with an unsubscribe link in all emails we send you, and you can manage your notification preferences directly through your account settings.


You may also object, for legitimate reasons, to processing of your data, unless it responds to a legal obligation imposed on Payora (for example, tax declarations, compliance with anti-money laundering regulations, etc.).


Right to Data Portability

You may at any time request portability of your Payora data. We undertake to transmit to you within a reasonable timeframe and in a machine-readable format the data you have provided to us, whether declared by yourself or generated by your activity on the Platform.


Right to Withdraw Consent

You have the right to refuse at any time processing of your personal data for personal reasons as well as the right to refuse processing of your personal data for direct marketing purposes.


Right to Lodge a Complaint with a Supervisory Authority

KB Digital Corp Ltd is registered in England and Wales. As such, the competent supervisory authority to handle any request concerning us, including, where applicable, a User complaint, is the Information Commissioner's Office (ICO).


If you wish to contact the ICO:


Information Commissioner's Office (ICO)
 Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Telephone: 0303 123 1113
Website: www.ico.org.uk


You can also lodge a complaint online at: https://ico.org.uk/make-a-complaint/

CHILDREN'S PRIVACY

CHILDREN'S PRIVACY

CHILDREN'S PRIVACY

Our Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children under 18. If you become aware that a child has provided us with personal data, please contact us at hello@payora.ai. If we become aware that we have collected personal data from a child under 18 without verification of parental consent, we take steps to remove that information from our servers.

Our Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children under 18. If you become aware that a child has provided us with personal data, please contact us at hello@payora.ai. If we become aware that we have collected personal data from a child under 18 without verification of parental consent, we take steps to remove that information from our servers.

Our Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children under 18. If you become aware that a child has provided us with personal data, please contact us at hello@payora.ai. If we become aware that we have collected personal data from a child under 18 without verification of parental consent, we take steps to remove that information from our servers.

CHANGES TO THIS PRIVACY POLICY

CHANGES TO THIS PRIVACY POLICY

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.


We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.


We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.


We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

CONTACT US

CONTACT US

CONTACT US

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


By email: hello@payora.ai
By post: Data Protection Contact, KB Digital Corp Ltd, 20 Wenlock Road, London, England, N1 7GU


Last Updated: November 25, 2025

KB Digital Corp Ltd
Company Number: 16843122
Registered Office: 20 Wenlock Road, London, England, N1 7GU
Website: www.payora.ai

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


By email: hello@payora.ai
By post: Data Protection Contact, KB Digital Corp Ltd, 20 Wenlock Road, London, England, N1 7GU


Last Updated: November 25, 2025

KB Digital Corp Ltd
Company Number: 16843122
Registered Office: 20 Wenlock Road, London, England, N1 7GU
Website: www.payora.ai

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


By email: hello@payora.ai
By post: Data Protection Contact, KB Digital Corp Ltd, 20 Wenlock Road, London, England, N1 7GU


Last Updated: November 25, 2025

KB Digital Corp Ltd
Company Number: 16843122
Registered Office: 20 Wenlock Road, London, England, N1 7GU
Website: www.payora.ai