1. Scope
Top Tap Pay (“Top Tap Pay,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information when you use our websites, apps, payment tools, and related services (collectively, the “Services”).
2. Information We Collect
- Personal Information: Name, email, phone, business details, billing and shipping addresses.
- Payment & Transaction Data: Tokenized payment credentials, transaction amounts, timestamps, merchant and device identifiers, and payment history.
- Technical Data: IP address, device and browser information, operating system, app version, and usage logs.
- Verification Data: Government ID or similar documentation when required for fraud prevention, KYC, or legal compliance.
- Support & Communications: Content of messages, call recordings (where permitted), and feedback you provide.
3. How We Use Information
- Provide, operate, and improve the Services.
- Process payments, issue receipts, and resolve disputes or chargebacks.
- Authenticate users, prevent fraud, and maintain security.
- Comply with laws, regulations, and card-network rules.
- Communicate about transactions, service changes, and policy updates.
- Analyze usage to enhance performance and user experience.
We do not sell your personal information.
4. Sharing of Information
- Service Providers: Vendors who help process payments, host services, provide support, or enhance security.
- Legal & Compliance: Regulators or authorities when required by law or to protect rights and safety.
- Business Transfers: In connection with a merger, acquisition, or sale of all or part of our business.
5. Data Security
We use administrative, technical, and physical safeguards to protect personal information, including encryption in transit, access controls, and monitoring. While we take steps to secure your data, no system is completely secure.
6. Data Retention
We retain information as long as necessary for business operations, compliance, and dispute resolution. When data is no longer needed, we securely delete or anonymize it.
7. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access, correct, or delete your personal data.
- Restrict or object to processing.
- Request portability of your data.
- Withdraw consent where applicable.
To exercise these rights, contact us through the details provided below. We may verify your identity before processing requests.
8. Cookies & Tracking
We use cookies and similar technologies to operate our Services, remember preferences, analyze trends, and improve security. You can adjust cookie settings in your browser, but disabling them may limit some functionality.
9. Children’s Privacy
Our Services are not intended for individuals under 18. We do not knowingly collect information from children. If we learn a minor has shared information with us, we will delete it promptly.
10. Changes to This Policy
We may update this Privacy Policy occasionally. If changes are significant, we will provide notice (e.g., via email or app notification) before the new policy takes effect. The effective date will be updated accordingly.
