Legal

Every Hayo Pay legal document, in one place. Each one tells you the date it last changed.

• Terms of UseIn review, not yet published
• Privacy PolicyLast updated 1 August 2026
• Cookie PolicyLast updated 1 August 2026
• Spend Card TermsLast updated 1 August 2026
• Credit Card Account Opening Disclosures (US Consumer)Last updated 1 August 2026
• Privacy Notice (GLBA)Last updated 1 August 2026
• Wallet TermsIn review, not yet published
• Electronic Communications ConsentLast updated 1 August 2026
• ComplaintsLast updated 1 August 2026
• ImprintLast updated 1 August 2026
• Fees and ChargesNot yet published