Who we are
TayoPo (“TayoPo”, “we”, “us”) is a money and community app for Filipinos living in the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain and Oman. TayoPo is based in Abu Dhabi, United Arab Emirates. This policy covers the TayoPo apps for Android and iOS and the website at tayopo.com (together, the “Service”).
For any privacy question or request, contact us at info@tayopo.com or +971 54 288 1680.
The short version
- Your money records (accounts, entries, budgets, goals, utang and paluwagan) are kept on your phone. They leave your phone only if you share a book with a partner.
- TayoPo is an expense tracker, not a bank or financial service. We never ask for your bank login, card number, PIN or OTP, never connect to your bank, and never move money.
- Posts you publish in the community (bedspace, preloved, pasabuy, businesses) are public, including the contact number you add.
- The app shows ads. Payments for business listings go through Google Play or the App Store; we never see your card details.
- We do not sell your personal data. You can delete your account and data at any time.
What we collect
Account details
When you sign in with Google or Apple, we receive your name, email address, profile photo (if any) and an account ID from that provider. If you use Sign in with Apple and choose to hide your email, we receive a private relay address instead.
Your money records
The accounts, balances, entries, categories, notes, budgets, Uwi Fund goals, utang records and paluwagan records you add, including the names of people you write down (for example, who owes you or who is in your paluwagan). These are stored on your device. If you invite a partner to your book, the records in that book are stored on our servers so that you and your partner can both see them.
Community posts and business listings
What you publish: titles, descriptions, prices, photos, your city and country, route and dates (for pasabuy), room details (for bedspace), business details, and the phone or WhatsApp number you choose to show. We also keep the date you posted and any reports made about a post.
Purchases
When you buy a business listing plan, Google Play or the App Store tells us which plan you bought, when it starts and ends, and whether it is active, along with an order reference. We do not receive your card or bank details.
Flights, alerts and preferences
The routes you search or set price alerts for, your language, theme and notification settings, and your daily streak.
Messages to us
If you email or call us, we keep what you send so we can help you.
Device and technical information
Basic information needed to run the Service safely: app version, device model, operating system, language, and error information if something goes wrong. Our advertising partner may also use your device’s advertising ID (see Ads).
What we never collect
- Bank, card or e-wallet logins, PINs or full card numbers.
- Your precise location. You choose your city yourself.
- Your contacts, call log, SMS or other apps on your phone.
- Photos other than the ones you pick to attach to a post.
- Passport, Emirates ID, iqama or visa details.
How we use it
- To create your account, sign you in and keep it secure.
- To show your money records, totals, budgets and goals, and to share a book with the partner you invite.
- To publish, show and search community posts and business listings, and to let people contact you through them.
- To process and confirm business listing plans bought through Google Play or the App Store.
- To show flight prices and send the price alerts and reminders you turned on.
- To keep the community safe: to review reports, remove content that breaks our rules, and stop fraud and abuse.
- To show ads, including optional ads you choose to watch in return for a free feature.
- To fix problems and improve the Service, using information that does not identify you wherever possible.
- To reply to you, and to meet legal requirements.
Why we may use it
We use your information only when we have a lawful reason to, namely:
- To provide the Service you asked for, such as your account, your records, your posts and your purchases.
- Your consent, for example for notifications and, where required, for personalised ads. You can withdraw consent at any time.
- Our legitimate interests in keeping the Service safe, preventing fraud and improving it, balanced against your rights.
- Legal obligations, such as keeping purchase records or answering lawful requests from authorities.
Google and Apple sign-in
If you sign in with Google, TayoPo receives only your basic profile (name, email address, profile photo and account ID). We use it only to create your account, sign you in, show your name and photo in the app, and contact you about your account. We do not request access to your Gmail, Drive, contacts or any other Google data.
TayoPo’s use and transfer of information received from Google APIs follows the Google API Services User Data Policy, including the Limited Use requirements. We do not sell this information, do not use it for advertising, and do not share it with advertising networks or data brokers.
If you sign in with Apple, we receive only your name and email address (or a private relay address) and use them in the same limited way.
Ads
TayoPo is free because it shows ads, served by Google AdMob. To show ads and measure them, AdMob may collect your device’s advertising ID, IP address, app interactions and approximate location derived from your IP address, and may use cookies or similar technology. Learn more in how Google uses information from apps that use its services.
- Android: you can reset or delete your advertising ID, or opt out of personalised ads, in your phone’s Settings under Privacy, then Ads.
- iPhone: we ask your permission before any tracking across other companies’ apps and websites. You can change this anytime in Settings, Privacy and Security, Tracking.
- Some ads are optional: you can choose to watch a short ad to unlock a contact number or publish a post for free. You never have to.
- Ads in TayoPo never use your money records, your community posts or your Google or Apple account data.
Partner links
Flights, tours and shop coupons in TayoPo come from travel and shopping partners. When you tap one, you go to that partner’s website or app, and the link includes a code that tells the partner you came from TayoPo. The partner’s own privacy policy then applies to anything you do there, such as a booking or payment. We do not receive your booking, passport or payment details. See our Affiliate disclosure.
Phone permissions
- Internet: to sign in, load flight prices, show posts and ads, and sync a shared book.
- Notifications (only if you allow them): for price alerts, reminders and your daily streak. You can turn them off in the app or in your phone settings.
- Photos: only the photos you pick yourself, to attach to a post. The app does not browse your gallery.
How we keep it safe
Data sent between the app and our servers is encrypted in transit. Data stored on our servers is encrypted at rest and protected with access controls, so only the people who need it to run the Service can reach it. Records kept on your phone are protected by your phone’s own security, so please use a screen lock. No system is completely secure, but we work hard to protect your data and will tell you and the authorities about a serious breach as the law requires.
Where it is stored
Your money records stay on your device unless you share a book. Other data may be stored and processed on secure servers outside your country of residence. When we transfer data across borders, we take steps so that it stays protected as described in this policy and as required by the data protection laws of the UAE and the other countries where we operate.
How long we keep it
- Account and shared book data: while your account is open. Deleted within 30 days after you delete your account.
- Money records on your phone: until you delete them, delete your account or uninstall the app.
- Posts and listings: until you delete them, they expire, or we remove them. Deleted when you delete your account.
- Reports and safety records: up to 12 months, or longer if needed for a legal claim or to stop repeated abuse.
- Purchase records: as long as the law requires us to keep transaction records.
- Messages to us: up to 24 months after we resolve your request.
- Backups: deleted data is removed from our backups within 30 days.
Your choices and rights
Depending on where you live, you have the right to:
- Ask for a copy of the personal data we hold about you.
- Correct data that is wrong. Most of it you can edit yourself in the app.
- Delete your data and your account.
- Withdraw consent, for example for notifications or personalised ads.
- Object to or limit how we use your data.
- Complain to your local data protection authority.
Email info@tayopo.com from the email address on your account. We reply within 30 days and may ask you to confirm it is you before we act.
Deleting your account
In the app, open Profile, tap Delete account and confirm. This deletes your account, your records, your shared books and your posts. You can also ask us by email; see Delete your account for the steps and what we keep. Deleting your account does not cancel a subscription bought through Google Play or the App Store; please cancel it there.
Children
TayoPo is for adults aged 18 and over. We do not knowingly collect data from anyone under 18. If you believe a child has given us their data, contact us and we will delete it.
Changes to this policy
We may update this policy as TayoPo changes or the law requires. We will change the date at the top and, for important changes, tell you in the app before they take effect.
Contact us
TayoPo, Abu Dhabi, United Arab Emirates
Email: info@tayopo.com
Phone: +971 54 288 1680