Privacy Policy

Last Updated: September 14, 2025

Introduction

Welcome to our platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, which include the Paywrd Wallet, subscription plans (SepratePlans), the Word to Money Converter, and the ReelNinja submission system. We respect your privacy and are committed to protecting it. Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

1. Information We Collect

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

A. Personally Identifiable Information

  • Account Information: When you register, we collect standard WordPress user data, including your username, display name, email address, and password.
  • Financial Data for Withdrawals: To process withdrawal requests via the Paywrd Wallet, we collect and store your Bank Name, Account Number, and Account Name. This information is required to transfer funds to you.
  • User-Generated Content: We collect the URLs of social media reels (e.g., TikTok, Instagram) that you submit through the ReelNinja feature. These submissions are directly linked to your user account.

B. Derivative and Usage Data

  • Transaction History: We maintain a record of all your point-based transactions. This includes points earned from the Word to Money Converter, points awarded for ReelNinja submissions, subscription purchases, and withdrawal requests (including amounts, dates, and statuses).
  • Subscription History: We store information about your current and past subscription plans, including the plan name, start date, and expiry date. This is necessary to manage your user role and access to features.
  • IP Address and Usage Logs: For security and to prevent abuse of our systems (like the Word to Money Converter), we log usage data. For users who are not logged in, we use your IP address to enforce hourly and daily limits. For logged-in users, this is tied to your account.

2. How We Use Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you to:

  • Create and manage your account.
  • Process your withdrawal requests and transfer funds to your specified bank account.
  • Manage your subscription plan, including upgrading and downgrading your user role based on payment status and expiry.
  • Operate and display public-facing features like the ReelNinja leaderboard, which uses your display name and avatar.
  • Monitor usage to prevent fraudulent activity, abuse of our services, and enforce usage limits.
  • Review and award points for your ReelNinja content submissions.
  • Maintain an internal history of all transactions for administrative and support purposes.

3. Disclosure of Your Information

We do not sell your personal information. We may share information we have collected about you in certain situations:

  • With Third-Party Payment Processors: When you purchase a subscription plan, we pass your user email and name to our payment processor (Flutterwave) to initiate the transaction. We do not handle or store your credit card information directly.
  • Publicly on Our Website: Your user display name, avatar, and total earned points may be visible to other users on public leaderboards (e.g., ReelNinja Leaderboard). Recent conversions on the Word to Money Converter are displayed anonymously without linking to a specific user.
  • By Law or to Protect Rights: If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law.

4. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. Key measures include:

  • Password Confirmation: Updating or saving your bank details for withdrawals requires you to re-enter your account password.
  • Secure Transactions: We utilize security nonces in our forms to prevent unauthorized requests. Webhook communications from our payment processor are verified using a secret hash to ensure authenticity.
  • Standard Practices: While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

5. Data Retention

We will retain your personal and transaction data for as long as your account is active and as needed to provide you with services, comply with our legal obligations, resolve disputes, and enforce our agreements. Usage data for features like the Word to Money Converter is stored temporarily (typically for 24 hours) to enforce limits and is then discarded.

6. Your Rights and Choices

You have certain rights regarding the personal information we hold about you. These include:

  • Access and Update: You may review and change your information at any time by logging into your account settings. You can view your withdrawal and subscription history through the provided shortcodes.
  • Data Deletion: You may request to delete your account. Please note that we may be required to retain certain information, such as transaction records for financial and legal compliance.

7. Policy for Children

We do not knowingly solicit information from or market to children under the age of 13. If you become aware of any data we have collected from children under age 13, please contact us using the contact information provided below.

Contact Us

If you have questions or comments about this Privacy Policy, please contact us.