Write a professional Privacy Policy for a mobile application named "SkillPay".

App Overview:
SkillPay is a fintech app that allows users to earn money by watching videos. The app includes user registration, login with email and password, OTP verification, video playback via Google Drive and Dropbox links, watch time tracking, and withdrawal features.

Tone:
- Professional
- Clear and legally structured
- Easy to understand

Include the following sections:

1. Introduction
Explain what SkillPay is and the purpose of the privacy policy.

2. Information We Collect
- Personal Information (name, email, password)
- Account details (username, withdrawal info)
- Usage data (watch time, app activity)
- Device information (IP address, device type, browser)

3. How We Use Information
- To create and manage user accounts
- To track watch time and calculate earnings
- To process withdrawals
- To improve app performance
- To communicate with users (OTP, support, updates)

4. OTP & Security
Explain that OTP is used for verification and account security.

5. Data Storage
Mention that data is stored securely using Google Sheets or cloud services.

6. Third-Party Services
Explain use of:
- Google Drive (for thumbnails)
- Dropbox (for video links)
- Mention that these services have their own privacy policies

7. Data Sharing
State that user data is not sold, but may be shared only for:
- Legal requirements
- Service functionality

8. Data Retention
Explain how long user data is kept.

9. User Rights
- Access their data
- Update profile
- Request account deletion

10. Withdrawal Information
Explain how withdrawal data is used only for payment processing.

11. Children's Privacy
State that the app is not intended for children under 13 (or 18).

12. Security Measures
Explain reasonable steps taken to protect user data.

13. Changes to Policy
State that the policy may be updated and users will be notified.

14. Contact Information
Provide placeholder for:
- Email
- Phone number

15. Consent
State that by using the app, users agree to this policy.

Output Requirements:
- Clean formatting
- Headings and subheadings
- App Store / Play Store ready
- Professional English only