Nobody can access your money without your personal security information (password, recovery phrase, PIN code and /or Private Key). You cannot send money to anybody without the correct passwords. Your money will stay in the account until you have the right password and recovery phrase.
If you lost your personal security information than all your funds are lost. Please read the User terms of Payger for more information.
Please contact us immediately in case you lost your password or your laptop got stolen so that we can assist you with the recovery process. We will send you a detailed instruction how to reset your Payger Account again.