EPS PayMate AI
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Privacy Policy

Effective date: 2026-05-23 Last updated: 2026-05-23

This Privacy Policy explains what personal information EPS PayMate AI collects, how we use it, who we share it with, and the choices you have. We wrote this in plain English. If anything is unclear, contact us at the email at the bottom of this document.

EPS PayMate AI is operated by Michael Jeff Achumbre ("we", "us", "our"). The app is available globally but designed for foreign workers (especially EPS workers on E-9 visas) in South Korea.

Important — please read first

EPS PayMate AI is an independent third-party app. It is not affiliated with, endorsed by, or associated with the Korean government, the Ministry of Employment and Labor (고용노동부), HRD Korea, the Employment Permit System (EPS), or any official Korean labor service.

The "EPS" in our app name refers to the Employment Permit System workers the app is built for. It does NOT mean we represent or speak for that program, or that the program endorses us.

All calculations in this app are estimates based on Korean labor law (Labor Standards Act). Your actual pay depends on your employment contract and company policies. Always verify with your employer or HR for official figures.

This app does not provide legal advice. For pay disputes or labor issues, contact 1350 (the free, multilingual Korean government labor hotline) or consult a licensed labor attorney.

1. Information we collect

1.1 Information you give us directly

  • Account information when you sign up: your name, email address, and profile picture from your Google account (if you sign in with Google) OR an email address and password (if you sign up with email).
  • Profile details you enter: your preferred display name, visa type, hourly rate, payday, country of origin, language preference, and an optional profile photo you upload from your camera or gallery.
  • Work logs you enter: dates worked, hours worked, overtime hours, night hours, day type (regular / Saturday / holiday / off / PTO).
  • Goal logs you enter: monthly savings or income goals.
  • Budget entries you enter: expense category, amount, date, and notes.
  • Remittance entries you enter: amount, date, recipient.
  • Deductions you enter: name and monthly amount.
  • Payslip photos if you use the AI Payslip Compare feature: a photo you take or upload of your payslip. The photo is sent to OpenAI for analysis and is NOT stored on our servers or on your device after the AI call completes (per our Security policy).
  • AI Assistant messages you send to the AI (chat tab). These stay on your device only — they are NOT synced to our cloud servers, even for PRO users.
  • Context data sent to the AI when you use any AI feature (Assistant, Payslip Compare, Monthly Story, Goal Coach, Anomaly Explainer): a structured summary of your situation including your preferred name, language, visa type, hourly rate, deductions, recent work hours, current month earnings, 주휴수당 status, and active goals. This is the context that makes our AI personalized to YOU. Payslip photos are NOT included in this context and are NOT stored — they are sent to AI for reading only and discarded immediately after the comparison.

1.2 Information collected automatically

  • App usage and crash data from Sentry (a third-party crash reporting service): device type, operating system version, app version, anonymized crash logs. We have configured Sentry to NOT collect personally identifiable information by default.
  • Authentication tokens from Supabase (our backend provider): kept on your device, encrypted with AES-256.
  • Approximate language from your device system settings, used to set the default app language on first install.

1.3 Information we do NOT collect

  • We do not collect your bank account details.
  • We do not collect your government IDs (passport, ARC, SSN).
  • We do not collect your Korean income tax data.
  • We do not store your payslip photos after AI processing — they are sent to OpenAI for analysis and the photo is not retained on our servers.
  • We do not access your contacts, SMS, call logs, or browsing history.
  • We do not collect your precise location.
  • We do not record audio or video.
  • We do not use advertising trackers.

2. How we use your information

We use the information you give us to:

  • Create and maintain your account.
  • Calculate your salary, overtime, deductions, and 주휴수당 (weekly holiday allowance).
  • Display your work history, budget summaries, and remittance records.
  • Sync your data across devices when you are signed in (PRO feature).
  • Provide AI-powered features (AI Assistant, AI Payslip Compare, AI Monthly Story, AI Goal Coach) when you have explicitly consented.
  • Send crash reports to help us fix bugs.
  • Process subscription payments through Apple App Store, Google Play Store, or other payment providers.
  • Reply to your support requests.

We do NOT use your information to advertise, profile you for marketing, or sell to third parties. We do NOT train AI models on your data.

3. Who we share your information with (third parties)

We share specific data with the following third parties to operate the app:

3.1 Supabase (backend hosting + database)

  • What we share: Your account information, work logs, goal logs, budget entries, remittances, profile picture, language preference, subscription status.
  • Why: Supabase is our database and authentication provider. They store your data so it syncs across your devices.
  • Where: Supabase is operated by Supabase, Inc. (USA). Our specific Supabase region is Seoul, South Korea.
  • Privacy policy: https://supabase.com/privacy

3.2 OpenAI (AI features)

  • What we share:
    • AI Assistant (chat): your typed message + a structured context block (your preferred name, language, visa type, hourly rate, deductions, recent hours, current month earnings, 주휴수당 status, active goals).
    • AI Payslip Compare: your payslip photo + the same context block. The photo is processed in memory and not stored on our servers.
    • AI Monthly Story: a structured summary of your past month (hours, OT, earnings, 주휴수당, budget/remittance highlights) + the context block.
    • AI Goal Coach: your goal details (target, deadline, progress) + the context block.
  • Why: OpenAI provides the AI model (GPT-4.1 mini) that generates personalized responses, analyzes payslips, narrates your monthly pay, and advises on goals.
  • Where: OpenAI is operated by OpenAI, L.L.C. (USA).
  • What we do to protect you: We send only the data needed for each feature. We DO NOT include your email, employer name (unless you type it yourself), profile photo, or government IDs. OpenAI's API does not retain your data for model training (per OpenAI's API data usage policy).
  • Your control: You must give explicit consent before any AI feature sends data to OpenAI. You can revoke consent at any time in Settings → AI Permissions.
  • Privacy policy: https://openai.com/policies/privacy-policy

3.3 Sentry (crash reporting)

  • What we share: Anonymous crash logs, device type, operating system version, app version. NO salary data, NO personal details, NO AI chat content. Personally identifiable information is filtered out before sending.
  • Why: Sentry helps us detect and fix bugs and crashes.
  • Where: Sentry is operated by Functional Software, Inc. (USA).
  • Privacy policy: https://sentry.io/privacy/

3.4 Google Sign-In (optional sign-in method)

  • What we share: When you choose to sign in with Google, Google shares your name, email, and profile photo with us. We do NOT receive your Google password.
  • Why: To create your account without you having to remember a separate password.
  • Where: Google is operated by Google LLC (USA).
  • Privacy policy: https://policies.google.com/privacy

3.5 RevenueCat (subscription management)

  • What we share: Your anonymous user ID and subscription status when you subscribe to PRO.
  • Why: RevenueCat manages subscription state across iOS and Android.
  • Privacy policy: https://www.revenuecat.com/privacy

3.6 Apple / Google (payments)

We do NOT sell your personal information to anyone.

4. Data shared with AI services (special disclosure)

Per applicable AI transparency rules (including Apple App Store Review Guideline 5.1.2(i)), we are explicit about AI data sharing:

  • AI Assistant: Your typed message + a structured context block (preferred name, language, visa, rate, deductions, recent hours, current month earnings, 주휴수당 status, goals) is sent to OpenAI to generate a personalized response.
  • AI Payslip Compare: Your payslip image + the context block is sent to OpenAI for analysis. The image is processed in memory and NOT stored on our servers or on your device after the call.
  • AI Monthly Story: A structured summary of your past month (hours, OT, earnings, 주휴수당, budget/remittance highlights) + the context block is sent to OpenAI to generate a 1-paragraph narrative.
  • AI Goal Coach: Your goal details (target, deadline, progress) + the context block is sent to OpenAI to generate goal-specific advice.

For all AI features:

  • No AI feature runs without your explicit consent. The first time you use an AI feature, the app shows a clear consent screen explaining what will be sent to OpenAI. You must tap "Continue" before anything is sent.
  • You can revoke consent at any time. Go to Settings → AI Permissions and toggle off the feature. The next time you try to use it, you will be asked again.
  • AI responses may be wrong. AI is a tool, not a legal expert. Generic Korean labor law questions in AI Assistant are NOT answered by the AI — they are redirected to official sources (Korean labor hotline 1350, moel.go.kr, eps.hrdkorea.or.kr). Always verify important information with these official sources or a qualified person.

5. Where your data is stored

  • On your device: Local copies of your work logs, settings, and AsyncStorage data. Encrypted at rest using your device's standard encryption.
  • In Supabase: Cloud copies for sync (PRO users only). Encrypted at rest by Supabase.
  • At OpenAI: Per OpenAI's API data retention policy, requests are retained for up to 30 days for abuse monitoring then deleted. We do NOT opt in to data retention for model training.
  • At Sentry: Crash logs retained per Sentry's standard retention (typically 90 days).

Some of these services are operated outside Korea (USA). When you use the app, you consent to your data being processed in those locations.

6. How long we keep your data

  • Account data: As long as your account is active. Deleted within 30 days when you delete your account.
  • Work logs, goal logs, budget entries, remittances: Same as account data — until you delete your account or specific entries.
  • Payslip photos: Sent to OpenAI for analysis only. Not retained on our servers.
  • AI chat history: Stored locally on your device only (not on our servers). Cleared when you sign out or delete the app.
  • Crash logs: Per Sentry's retention policy (typically 90 days).

7. Your rights and choices

You have the right to:

  • Access your data — see everything we have about you in the app itself (profile, work logs, etc.).
  • Correct your data — edit any entry directly in the app.
  • Delete your data — Settings → Account → Delete Account. This permanently removes your account and all data within 30 days. Some backups may persist briefly per industry standard.
  • Download a PDF report — after a payslip scan, you can download the comparison as a PDF to your device (PRO feature). We do not keep a copy of the PDF.
  • Withdraw AI consent — Settings → AI Permissions, toggle off any AI feature.
  • Opt out of crash reporting — currently this requires uninstalling the app. (We may add a toggle in a future version.)
  • Sign out — Settings → Sign Out. Your local data stays on your device. Cloud data stays in our system but is no longer accessed by the app on this device.

If you are in the European Union, United Kingdom, or California, you have additional rights under GDPR / UK GDPR / CCPA including the right to data portability, the right to object to processing, and the right to lodge a complaint with your local data protection authority.

8. Children's privacy

EPS PayMate AI is intended for adults (18 and over) — specifically foreign workers in South Korea. We do not knowingly collect personal information from anyone under 18. If you believe we have collected information from a minor, contact us and we will delete it.

9. Security

We take reasonable steps to protect your information:

  • All data transferred between your phone and our servers uses HTTPS encryption.
  • Authentication tokens on your device are encrypted with AES-256.
  • Database access uses Supabase Row Level Security so users can only access their own data.
  • API keys for paid services (OpenAI) are kept on our backend, never on your device.
  • We monitor for security issues via Sentry crash reports and Supabase advisors.

No system is perfectly secure. If you discover a security issue, please report it to epspaymateai@gmail.com.

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top will reflect changes. For material changes, we will notify you in the app before the changes take effect.

11. Contact us

If you have any questions about this Privacy Policy or how we handle your data, contact us at:

epspaymateai@gmail.com

For privacy-specific concerns or to exercise your rights, please use the same email and include "Privacy" in the subject line so we can prioritize your request.

This Privacy Policy is provided in English. Translations to Korean, Filipino, Vietnamese, Thai, Burmese, and Sinhala are available in the app. The English version controls in case of any translation conflict.