Privacy Policy

Effective Date: October 16, 2025

Pago Medical Consulting Inc. ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our mobile app-based payment service for medical bills ("Service").

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

1. Information We Collect

We collect several types of information to provide and improve our Service, including:

a. Personal Information

  • Name, date of birth, and contact details (email, phone number, mailing address)
  • Payment information (bank account, debit/credit card details)
  • Government-issued identification (if required for identity verification)

b. Technical & Usage Data

  • Device information (IP address, browser type, operating system)
  • App usage data (login times, features used, error reports)

c. Third-Party Data

  • Creditworthiness or eligibility data from financial institutions
  • Information shared by healthcare providers related to your billing

2. How We Use Your Information

We use your information to:

  • Process and manage your payment plans
  • Verify your identity and prevent fraud
  • Communicate with you regarding your account, payments, and updates
  • Improve our Service functionality and user experience
  • Comply with legal, regulatory, and security obligations

3. HIPAA Compliance & Medical Information Disclaimer

Pago Medical Consulting Inc. ("Company") does not collect, store, or process any personal medical records, diagnoses, or treatment details. However, we facilitate payments for medical services, and in doing so, we may process information related to medical billing and healthcare providers. This information may be considered Protected Health Information (PHI) under the Health Insurance Portability and Accountability Act (HIPAA).

To ensure compliance with HIPAA regulations, we:

  • Maintain strict security measures to protect billing-related PHI.
  • Do not access, store, or use medical diagnoses or treatment details.
  • Only process PHI as necessary to complete medical bill payments in coordination with healthcare providers.
  • Require third-party service providers to comply with applicable HIPAA security and privacy regulations when handling medical billing information.

If you have any concerns about how your medical billing information is processed under HIPAA, please contact us at support@pagohealth.com.

4. Sharing Your Information

We do not sell your personal information. However, we may share your information with:

  • Healthcare Providers: To facilitate payment processing
  • Financial Institutions: For payment processing and credit assessments
  • Service Providers: Third-party vendors assisting with identity verification, fraud prevention, and analytics
  • Legal & Regulatory Authorities: If required by law, court order, or to enforce our terms

5. Data Security

We implement reasonable security measures to protect your personal information. However, no method of transmission over the internet is 100% secure. You are responsible for safeguarding your login credentials.

6. Data Retention

We retain your data as long as necessary to provide our Service and comply with legal obligations. You may request data deletion, subject to legal requirements.

7. Your Rights & Choices

Depending on your location, you may have rights to:

  • Access, correct, or delete your personal data
  • Restrict or object to data processing
  • Withdraw consent for marketing communications
  • File a complaint with a regulatory authority

To exercise these rights, contact us at support@pagohealth.com.

8. Third-Party Links & Services

Our Service may contain links to third-party websites or services. We are not responsible for their privacy practices.

9. Children's Privacy

Our Service is not intended for individuals under 18. We do not knowingly collect data from minors.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by email or through our app.

11. Mobile Information

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Pago Medical Consulting Inc.

Email: support@pagohealth.com

Address: 7514 Girard Ave Suite 1, La Jolla, CA 92037