Anayya LLC ("OmniPay") operates the OmniPay mobile application. This Privacy Policy explains how we collect, use, and protect your information.
Identity: First name, last name, date of birth, and email collected during enrollment.
Financial: Bank routing and account number to initiate ACH transactions. Only the last 4 digits are stored after enrollment.
Biometric: OmniPay uses Apple Face ID to authenticate transactions. We do not collect, store, or transmit your face scan. All biometric processing happens on your device via Apple's secure enclave.
Transaction Data: Payment records including amounts, timestamps, and Virtual Payment Addresses.
Camera: Used solely to scan QR codes at merchant locations. Images are never transmitted.
Voice: When you speak to OmniPay AI, your microphone records only while you are talking. Speech is converted to text on your device. The audio itself is never sent to us, to Apple, or to anyone else, and no recording is kept — only the resulting text is sent to our servers as your question.
OmniPay AI: The questions you ask OmniPay AI and the answers we return, including questions you dictate by voice.
By enrolling, you authorize OmniPay to initiate ACH debits and credits to your linked bank account as directed through the App. Transactions are subject to NACHA Operating Rules.
We do not sell your personal information. We may share data with banking partners to process transactions, service providers under confidentiality agreements, law enforcement when required by law, and merchants (only your VPA and payment amount when you initiate a payment).
We use TLS encryption in transit, iOS Data Protection at rest, and Keychain storage for sensitive credentials. Every payment requires biometric authentication on your device.
Transaction records are retained as required by financial regulations (typically 5–7 years). Contact us to request deletion of non-regulatory data.
Questions asked of OmniPay AI, and the answers returned, are kept for at least five years as financial records under the Bank Secrecy Act. These records are stored in an append-only form and cannot be changed or deleted, including at your request. This is a legal obligation and an exception to the deletion rights described below. Access is limited to authorised compliance personnel, and every access is logged.
OmniPay AI answers questions about your own account only. It cannot reach another customer's information, and it cannot move money — every payment still requires your confirmation and biometric authentication on your device.
As a financial services provider we are required to watch for indicators of money laundering. Questions asked of OmniPay AI are automatically screened for language associated with structuring or with evading reporting requirements. A match creates an internal compliance record for review; it does not change the answer you receive.
OmniPay requires users to be at least 18 years of age. We do not knowingly collect information from minors.
You may have the right to access, correct, or delete your data. Contact us at support@omnipay-solution.com or (732) 558-7464.
Records we are legally required to keep — including transaction history and OmniPay AI conversations — cannot be deleted while that obligation applies. See section 6.
Anayya LLC · support@omnipay-solution.com · (732) 558-7464 · omnipossolution.com