Privacy Policy For Account Holders

Every person and entity has the fundamental right to privacy. Your privacy is always our first priority at TechVibs, and it is key to our company spirit. We value your privacy greatly and believe that you should as well.

This Global Privacy Statement is meant to inform you of how the TechVibs organization collects and uses the personal data you provide while using our websites, mobile apps, payment platforms, and other financial technology services we may make available to you.

Overview and Consent

When you subscribe to, access, or use our products, services, content, features, technologies, or functionality, features supplied through our website, web, and mobile application (hereafter referred to as "Services"), you accept this Privacy Policy. You agree to the collection, use, disclosure, retention, transfer, and protection of your information and personal information by us in the ways set forth in this Privacy Policy by using our Services and/or creating an account with us. Your agreeing to our privacy policy give you more access to our services.

Without your express permission, we will never publish, sell, or rent your personal information to third parties for their marketing needs.

2. Individual Details

An identifiable person is one who can be identified, directly or indirectly, in particular by reference to an identifier like a name, an identification number, location information, online identifier, or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity of that natural person. "Personal Information" refers to information relating to an identified or identifiable natural person. Information that has been anonymized or aggregated, whether alone or in conjunction with other data, makes it impossible to identify a specific individual, and is not included in what we regard to be personal information.

"Sensitive Information" refers to a subset of personal data that is more delicate, and if such data is deemed delicate by relevant legislation, it will be treated in compliance with those regulations. Also, we gather your address, email address, and mobile number.

As necessary to deliver our services and for the operational and business purposes outlined in this Privacy Policy, we collect, use, disclose, transmit, and keep personal data. We aim to be transparent about our privacy practices so that you can make educated decisions about how your information is used. If you have any questions or concerns, we welcome your contact at any time.

HOW AND WHAT TYPES OF PERSONAL INFORMATION WE COLLECT?

All information pertaining to a person who can be identified or identified as such is considered personal information. Depending on who you are (e.g., a merchant, customer, cardholder, consumer, supplier, or business partner) and how you interact with us (e.g., telephone, online or offline), we may collect, use, receive, store, analyze, combine, transfer or otherwise process different categories of personal information.

Categories of Personal Information	Which includes such information as
Identity and Account log-in Information	Full name(s), title. identity number. and your date of birth. Identifying information such as your name, email, phone number, address, identification number, gender, company name, and designation when you register for an account with us.
Contact Information	Phone number(s). The physical address, country, email, and chosen billing address.
Financial Information	Bank account data, credit or debit card information.
Payments Information (transactional information)	Personal account numbers, name on credit/Debit cards, a merchant's/Agent’s name, and identifiers. the date and amount of the transaction and other information provided by you directly or by banks or merchants/Agents.
usage and technical information	IP addresses, browser type, and versions, operating systems. time zone setting, and geolocation information. content and pages that you access on our website(s). Apps or Platform. and the dates and times that you visit the Website, App, or Platform. paths taken.
Credit and lending information	Financial information (e.g., credit score) and income information (e.g.. employment contract).
Marketing and Communication Information	Communication with customer service support. behavioral data (for example, collected using cookies). information about promotions, surveys, campaigns, and records of your decision to subscribe or to withdraw from receiving marketing materials.

WHAT ARE LAWFUL GROUNDS THAT WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?

We only process personal data when we have a solid legal justification for doing so. We often utilize your personal information in the following places:

• It is vital to protect our rights (or the legitimate interests of a third party). We make sure that our legitimate interests do not conflict with your fundamental rights;
• We use your personal information to ensure that we are in compliance with any legal responsibilities, such as those relating to anti-bribery and anti-money laundering.
• Whenever required by applicable legislation, we may ask for your express consent.

In some countries, there may be extra-legal justifications for processing personal data. This depends on the laws that apply and the goods and services that are provided to you.

WHAT TECHVIBE MAY DO WITH YOUR PERSONAL INFORMATION AND FOR WHAT PURPOSE

• To ensure your use of our products or services is legitimate and to validate your identity. 'Know your Customer' and risk assessments are carried out in order to authenticate and authorize your usage of our products or services based on your choice of service or product and whether you are a merchant, agent, consumer, or customer. Identification, contact, and financial information are the three types of personal information that are commonly needed. Information is required for both our legal requirements under specific laws and for TechVibs to evaluate your application in accordance with the terms of our contract.
• To complete payments for purchases made through our platforms; Depending on the exact payment methods that TechVibs makes available in your country, we may need different forms of personal information to provide a product or service, as well as the legal basis for doing so. TechVibs provides a variety of local and worldwide payment options, all of which are bound by contractual and legal requirements and product-specific terms of service. For instance, TechVibs processes personal data from merchants/Agents such as transaction details and, if payment is made by card, cardholder details (such as name on card) in order to complete the payment by you to the merchant for the purchase of a good or services purchased, TechVibs processes personal data from merchants such as transaction details and, if payment is made by card, cardholder details (such as the name on card).
• To safeguard our company and make sure that the law is being followed. In order to comply with applicable laws, regulations, standards, rules, and codes as well as the demands of the financial institutions with which TechVibs must do business, we process personal information. This comprises:
  • verifying and authenticating payments to reduce and guard against fraud and identity theft. To accomplish this, TechVibs may directly collect some of your personal and non-personal information from you or may receive it from merchants/agents. In order to confirm the payments, TechVibs will input this personal data into its fraud detection systems, where it will stay for future cross-referencing and reference;
  • in accordance with applicable law, consulting and reporting your personal data and behavior regarding financial responsibilities to duly established credit, financial, commercial, or service risk centers, or to other financial organizations;
  • checking your identification and reviewing your information to ensure that it is accurate in order to comply with reporting requirements under applicable legislation or payment scheme rules;
  • processing your personal information if you exercise your right to object to purchases you make or if, for instance, a financial institution is investigating a payment dispute or chargeback involving your transaction;
  • processing your personal data to support adequate disaster recovery for our platforms, services, and products as well as business continuity for our companies.
• To control our interaction with you. If you get in touch with us or otherwise provide us with your contact information (for instance, by registering, filling out an inquiry form on one of our websites, or signing up to receive support, service status communications from us, or security or fraud monitoring alerts), we may process your personal information in the following ways:
  • to keep you updated on the products or services you have with us, any modifications, and any relevant legal papers;
  • to let you know if any services or products are interrupted;
  • to request your input on how to develop our services or products and to otherwise connect with you more effectively;
  • to contact you or give you updates regarding the services or goods we offer you, as well as to offer service help and problem-solving;
  • to carry out our contract by using your personal information in transactional or fraud monitoring reports (or both). As stated in our contract, you have the choice to stop receiving these reports. Before you unsubscribe, make sure to verify with your finance department.
• To market to you our goods, services, and associated items. We may use personal information to promote our goods and services and to let you know about promotions, events, and other marketing initiatives. I refer you to Section 7 6. to carry out research, create, and enhance our goods and services.
• We might make use of the private data we gather to:
  • to conduct research to better understand market trends and needs, and to create or innovate new technologies, products, and services to address those trends and needs. We could conduct research to get these insights using artificial intelligence and machine learning techniques;
  • to assess how customers use our websites, apps, products, or services in accordance with this global privacy statement and our cookie policy;
  • to enhance and personalize our interactions with customers and businesses;
  • to give retailers statistical analysis and reports based on information we obtain from them;
  • to use your personal information for credit analysis and related credit services in accordance with the rules and regulations that apply.

WHOM DO WE SHARE OR DISCLOSE YOUR PERSONAL INFORMATION WITH?

We may disclose personal information to third parties with your personal information to:

• offer these internal third parties support and technical services while also receiving some of these services from them;
• Participate in studies, data analytics, and research to help TechVibs and other internal third parties better their respective services and products.

We might disclose your personal information to outside parties like:

• businesses that adhere to our service agreements (also referred to as our terms and conditions or contracts). For instance, we might have to give the merchant the customer's credit card information in order to make a card payment. We may also give the merchant your credit card billing address if you are purchasing products or services through TechVibs services in order to complete a payment transaction.
• accredited financial institutions and banking partners, with whom we collaborate to develop and provide goods and services. TechVibs will communicate the information with the financial institutions that validate and process each form of payment with respect to the kind of payment selected by the customer, payer, or buyer for associated approval, validation, and settlement. The financial institutions that issue the means of payment, the financial institutions that acquire those institutions, the networks that process payments, and the franchises like Visa, MasterCard, VerveCard, American Express, and Diners Club may all gather your personal information for those purposes.
• As strictly permitted by law, credit providers and bureaus must submit financial information and do required credit scoring to establish affordability.
• service providers or vendors with whom we have agreements and who support our company operations.
• Organizations that we want to merge with or that we might be acquired by, in which case we will demand that the resulting new organization fully abide by this privacy statement with regard to your personal information.
• when requested to do so by law enforcement, government representatives, fraud detection organizations, or other parties, or where we are required to do so by law (such as court order or similar legal procedure).
• International organizations we collaborate with to supply and/or develop goods and services in accordance with the conditions outlined in this Statement and any relevant legal provisions.

TechVibs makes every effort to guarantee that all third parties processing your personal data have the relevant organizational and technical safeguards in place, including the requisite data processing and transfer agreements when necessary. If you email contact@TechVibs.com with your request, we will send you a list of our subprocessors and suppliers as required by applicable legislation.

MARKETING

TechVibs might contact you with marketing materials, for instance, if you:

• asked for more details from us;
• provided your Contact information to us in order to retrieve content or communications from us, including any research papers, insights or studies conducted by us;
• purchased subscriptions to TechVibs's services or goods; or
• supplied your contact information in order to participate in a promotional campaign, offer, survey, or loyalty program. These promotional campaigns may be carried out by TechVibs alone or in partnership with third parties.

The application of the relevant legislation of the nation where the marketing and communication activity takes place govern the provision of such marketing activities. We maintain a registration of the personal data used by us for marketing and communications. By clicking the unsubscribe or opt out links included in such TechVibs marketing messages, you have the option to stop receiving such marketing.

You might also need to opt-in before getting any marketing messages from TechVibs, depending on the local business' country's legal requirements.

TechVibs may also use personal information from marketing and communications to enhance and tailor the content of our advertisements, promotions, and advertising that may be of interest to you.

COOKIES AND RELATED MECHANISMS

When you browse our websites or apps, TechVibs employs "cookies," "web beacons," and other similar technologies.

A string of alphanumeric characters known as a cookie is stored in a tiny text file (numbers and letters). Here, we describe how we utilize cookies on each of our applicable Websites and Apps and the options available to you as a user of each Website or App (our Cookie Policy for Website or App that you reading this Privacy Statement from).

TRANSFERS OF DATA ACROSS NATIONS

With a global presence, our business is international.

Depending on the applicable laws, your personal information may be processed either locally in the nation where you live or work, or in any other country where we or our chosen third parties conduct business. We use the standard contractual clauses of the locally compliant transfer mechanisms, such as consent, to ensure that your personal information is protected adequately or to the same level as that provided in the country of origin should it be transferred outside the your local Area or another nation that restricts the transfer of personal information.

RETENTION OF DATA

Your personal information may be kept on file by TechVibs for as long as necessary to fulfill the reasons for which it was obtained. TechVibs takes into account compliance with legal (contractual or statutory requirements), accounting, and compliance reporting requirements when deciding how long to retain personal information. As an illustration, consider stopping fraud, combating money laundering, fighting corruption, and stopping terrorism financing.

TechVibs also takes into account any temporary restrictions imposed by the various nations where TechVibs offers its services, as well as by applicable business and data privacy laws and other regulations.

WHAT RIGHTS DO YOU INDIVIDUALLY HAVE?

In accordance with current privacy and data protection regulations, we make sure that you can exercise your particular privacy rights. To respond to requests from persons regarding the processing of personal information and the right to access, delete, erase, amend, and withdraw consent to the processing of personal information, TechVibs aims to offer reasonable help.

You might be entitled to certain rights under data protection law, depending on the regulations that apply in your nation.

• access your personal information (access rights): You have the right to inquire about our processing of your personal information and request information about the specifics of that processing (as required under applicable laws).
• Correct or update your personal information: You have the right to request that any inaccurate personal information we may have about you be amended.
• request that we delete or otherwise dispose of your personal information: In some situations, such as when it is no longer necessary for the reasons for which it was originally obtained, you may request that we do so (subject to local data retention legal obligations).
• withdraw your consent: You may withdraw consent to processing that you have given us and prevent further processing if there is no other legal reason (including legitimate interests) for processing your personal information.
• restrict the processing of your personal information: In specific instances, such as an objection to our processing of your personal information based on our legitimate interests, you may ask that certain personal information be designated as restricted for processing.
• ask for data portability: You have the option of asking us to provide your submitted personal information to a third party in a machine-readable format.
• raise an objection to automated decision-making, including profiling, if the results have a bearing on your legal rights.
• file a complaint: You have the right to file a complaint about how we handled your personal information with the relevant authority or data protection agency in your country.

If you wish to make use of any of the aforementioned rights, kindly submit a request. Your ability to utilize some of our products and services may be restricted if these rights are restricted in circumstances where we are legally compelled to process your personal information.

SECURITY: PERSONAL INFORMATION PROTECTION & STORAGE

TechVibs places a high priority on the protection of your personal information. With due consideration for the applicable requirements and exceptions under the applicable laws in effect, TechVibs takes the legal, technical, and organizational steps that it deems necessary in order to ensure the confidentiality and security of your personal information.

In addition, TechVibs complies with the requirements set forth by the payments sector for the security of debit/credit card data. To maintain the highest degree of security accreditation with the Payments Card Information Security Standard Council (PCI) in regard to securing card data, each local firm is audited on a regular basis.

To avoid alteration, loss, query, use, fraud, or unauthorized access to your personal information, TechVibs routinely examines its policies governing the collection, storage, and processing of your personal information, including physical security measures.

In cases where we are required by law to do so, TechVibs will notify you and any relevant regulator or authority of a breach and has put mechanisms in place to deal with personal information breaches.

MINORS

Without the prior approval of the minor's parents or legal guardians, TechVibs does not deliberately or actively collect, use, or disclose the personal information of minors, as defined by the minimum age equivalent in the applicable jurisdiction.

TechVibs’ services are not meant or created to appeal to children.

If we become aware that we have unlawfully obtained a minor's personal information without their verifiable agreement, we will take steps to destroy it as soon as we can.

PRIVACY STATEMENT CHANGES AND YOUR DUTY TO NOTIFY US OF CHANGES

This Global Privacy Statement is subject to change. This website posts the most recent version of the global privacy statement.

The most recent update to this version was made on Jan 30, 2023.

Any time we make modifications to this global privacy statement, we'll let you know by posting them on our website. Downloading a copy of this global privacy statement from your browser will allow you to print or save it.

The websites of our regional businesses will post any updates to the country’s privacy statements. If there are any discrepancies, the national privacy statements will take precedence.

It is crucial that the personal data we have on you is accurate and up to date. Please let us know if your personal information changes.