Rules for using PayMyQR responsibly

1. Agreement

By installing, accessing, or using PayMyQR, you agree to these Terms of Usage and to our Privacy Policy. If you do not agree, do not use the app. PayMyQR is provided by the publisher and operator of the PayMyQR app and this website.

These terms apply to all features in the app, including QR overlays, financial tracking, Vault, backups, ads or paid tiers where offered, and optional integrations.

2. What PayMyQR is

PayMyQR is a local-first Android utility app. It is intended to help you show QR codes quickly, organize utility information, track money-related activity you choose to import, and store sensitive content such as documents or passwords in Vault on your device.

PayMyQR is not a bank, payment processor, insurer, or identity provider. Features that reference payments, SMS, notifications, or autofill are tools to help you on your own device; they do not guarantee transaction outcomes, account security at third parties, or uninterrupted availability.

3. Your responsibilities

• You are responsible for the accuracy of information you enter and for how you use overlays, exports, backups, and sharing features.
• You must comply with applicable law and with the terms of any third-party service you sign in to, pay through, or connect with while using PayMyQR.
• You must keep your device, Vault passcode, biometric settings, and backup destinations secure.
• You must not use PayMyQR to harass others, commit fraud, intercept credentials you do not own, or circumvent security of other people’s accounts or systems.

4. Vault passwords, assisted capture, and Autofill

PayMyQR may offer Vault password storage and optional assisted capture. By using these features, you agree to the following:

• Your accounts only: save only login credentials for accounts you own or are authorized to manage. Do not use PayMyQR to collect or store other people’s passwords without permission.
• Explicit action required: assisted website capture reads login fields only in PayMyQR’s in-app browser when you tap an explicit save action (for example “Save login”). Assisted app capture relies on Android’s Autofill save flow or entries you confirm in Vault. PayMyQR does not support silent or background credential harvesting.
• Autofill is optional: you must enable PayMyQR as your Autofill provider in Android settings if you want fill or save prompts in other apps. You may disable Autofill at any time in system settings.
• No misuse of other apps: you must not use Vault or Autofill features to attack, phish, or impersonate others, or to automate logins in violation of another app’s or website’s rules.
• Multi-step sign-in: many sites show email and password on separate pages. You are responsible for completing the sign-in flow before saving. PayMyQR may show guidance when a password field is not yet available.
• Third-party providers: some services (including large identity providers) may block, limit, or change sign-in inside embedded browsers or through Autofill. PayMyQR does not guarantee that every website or app will work with assisted capture.
• Link-only entries: you may save an app-to-domain association without a password when offered. You remain responsible for adding or updating credentials later if you want autofill to work fully.

Details about what data is processed and how it is stored appear in the Privacy Policy (Vault passwords section).

5. Permissions and sensitive features

Certain features require Android permissions or sensitive access (camera, SMS, notifications, calendar, storage, microphone, overlay, or Autofill). You grant access only by enabling the related feature or permission. If you revoke access, related functionality may stop working.

SMS and notification features are intended for financial or payment-related detection you enable. You agree not to repurpose those features for unrelated surveillance or data resale.

6. Purchases, ads, and third-party services

Paid features, subscriptions, and restorations may be handled through Google Play Billing or other platform stores under their terms. Ads, where shown, are provided by third-party ad networks under their policies.

Exports, backups, sharing, and cloud destinations you select are governed by the third-party provider you choose. PayMyQR is not responsible for outages, data loss, or security incidents at those providers except where liability cannot be excluded under applicable law.

7. Intellectual property

PayMyQR, its branding, and materials we provide are owned by us or our licensors unless stated otherwise. You may not copy, reverse engineer, or redistribute the app except as permitted by applicable law.

8. Disclaimers and limitation of liability

PayMyQR is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted operation, error-free parsing of SMS or notifications, or successful autofill on every app or website.

To the fullest extent permitted by law, PayMyQR and its operator will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use of the app. Our aggregate liability for claims relating to the app will not exceed the greater of (a) the amount you paid us for the app or subscriptions in the twelve months before the claim, or (b) one hundred U.S. dollars (or local equivalent), except where such limits are not allowed by law.

Nothing in these terms excludes liability that cannot be excluded under applicable law, including certain consumer rights.

9. Changes, termination, and contact

We may update these Terms of Usage to reflect product, legal, or operational changes. The updated version is effective when posted here unless a different date is stated. Continued use after an update means you accept the revised terms.

We may suspend or discontinue features, or restrict access, if we reasonably believe you violated these terms or applicable law.