Last Updated: August 2025
Effective Date: August 2025

1. Introduction

Imali (“we,” “our,” or “us”) values your trust and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our websites, mobile applications, and related services, including PayZinga, our earned wage access platform (collectively, the “Services”).

By using our Services, you consent to the collection and use of your information as described in this Privacy Policy.

2. Information We Collect

We collect information to provide a secure, personalized, and efficient experience.

a. Personal Information

• Full name
• Email address
• Phone number
• Date of birth
• Residential address

b. Employment & Payroll Information

• Employer name
• Employee ID or payroll reference number
• Work schedule and earnings data
• Pay cycle information and payout history

c. Financial Information

• Bank account or payment details for wage transfers
• Transaction amounts, dates, and confirmations

d. Device & Usage Information

• IP address
• Browser type and version
• Device identifiers
• Operating system and usage logs

e. Optional Information

When you contact us or participate in surveys, we may collect additional information that you choose to provide.

3. How We Use Your Information

We use your information to:

• Verify your identity and eligibility for earned wage access
• Process wage advances or transfers securely
• Communicate updates, support messages, and account information
• Improve, personalize, and optimize our Services
• Ensure compliance with legal and regulatory obligations
• Detect and prevent fraud or unauthorized activity

We do not sell or rent your personal data to third parties.

4. How We Share Your Information

We may share information only as necessary to operate and improve our Services:

a. With Your Employer

To verify employment status, payroll data, and eligibility for wage access.

b. With Financial Institutions or Payment Processors

To facilitate transactions, account deposits, and withdrawals.

c. With Service Providers

Trusted third parties who assist with cloud hosting, analytics, or security — under strict confidentiality agreements.

d. As Required by Law

To comply with legal, regulatory, or governmental requests.

5. Data Security

We implement appropriate administrative, technical, and physical safeguards to protect your information against unauthorized access, loss, misuse, or disclosure.
Examples include:

• Encrypted data storage (AES-256)
• TLS-secured communication
• Role-based access controls
• Regular penetration testing and security audits

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this policy or as required by law. After that, your information will be securely deleted or anonymized.

7. Your Rights

You may:

• Request access to your personal information
• Request correction of inaccurate or incomplete data
• Withdraw consent (subject to legal or contractual restrictions)
• Request deletion, where applicable

To exercise your rights, contact us at privacy@imali.com.

8. Cookies & Tracking

Our websites may use cookies and similar technologies to improve functionality and analyze usage.
You can manage or disable cookies in your browser settings.

9. International Data Transfers

If your data is processed outside of Canada (e.g., by cloud providers in the U.S.), we ensure adequate protections are in place consistent with Canadian privacy law and GDPR standards.

10. Children’s Privacy

Our Services are not intended for individuals under 18 years old. We do not knowingly collect information from minors.

11. Updates to This Policy

We may update this Privacy Policy periodically. The revised version will be posted on our website with an updated “Last Updated” date. Continued use of our Services constitutes your acceptance of any changes.