Privacy Policy â T2T Payment Solutions
Introduction
Welcome to T2T Payment Solutions (Pty) Ltd (âT2Tâ), trading as Tap2Tip and Tap2Trade.
We are committed to protecting your privacy and ensuring that your personal information is handled in a safe, secure and responsible manner. This Privacy Policy explains how we collect, use, store and protect your information when you:
- Visit our website (www.taptotip.co.za)
- Use the Tap2Tip or Tap2Trade mobile applications
- Interact with our services, products or support channels
By using our website or services, you agree to the practices described in this Privacy Policy.
1. Information We Collect
- Personal Information
We may collect the following personal information when you register, transact or interact with T2T:
- Registration Information
- Full name
- Mobile number
- Email address
- Physical or postal address (where applicable)
- Username and password
- Compliance and Verification Information (KYC/FICA)
- South African ID number or other identity details
- Proof of address (where required)
- Bank account verification details (e.g. proof of bank account, account holder match)
- Payment & Transaction Information
- Limited payment-related details necessary to process deposits, tips, withdrawals or purchases
- Transaction amounts, dates, times, and transaction references
- Wallet balances and transaction history within the T2T platform
Note: Card and payment processing details may be handled by one or more third-party payment processors and/or banking partners. T2T does not store full card numbers on its own servers.
- Profile Information
- Information you choose to add to your profile (such as occupation, role as Tippee, Tapper or Trader, preferences and optional details).
2. Non-Personal Information
We also collect certain information that does not directly identify you, including:
- Usage Data
- Pages visited on our website
- Features used within the app
- Time spent on pages or screens
- Clicks, navigation paths and general usage patterns
- Device & Technical Information
- IP address
- Device type and model
- Operating system and version
- Browser type and version
- App version
- Cookies and Tracking Technologies
- We use cookies and similar technologies to remember your preferences and understand how our website and app are used.
- Cookies may store information such as session identifiers, language preferences and analytics data.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To Provide and Operate Our Services
- Create and manage your T2T account
- Enable tipping, payments, Wallet functions and voucher redemptions
- Process deposits, tips, withdrawals and transfers
- To Comply with Legal and Regulatory Requirements
- Fulfil our obligations under FICA, AML and KYC regulations
- Verify your identity and monitor for suspicious or unlawful activity
- To Improve and Personalise Our Services
- Understand how users interact with our website and apps
- Improve performance, user experience and features
- Personalise content, messaging and relevant offers where appropriate
- To Communicate with You
- Send important service, security or policy updates
- Respond to your support requests and enquiries
- Send optional marketing or promotional information where you have consented or where permitted by law (you can opt out at any time)
- To Protect T2T, Our Users and the Platform
- Detect and prevent fraud, abuse, security threats or violations of our Terms and Conditions
- Enforce our legal rights and contractual agreements
4. Sharing Your Information
We do not sell or rent your personal information to third parties. We may share your information in the following limited circumstances:
- With Service Providers and Partners
We may share information with trusted third parties who assist us in operating and improving our services, such as:- Payment processors and banking partners
- Technology and IT service providers
- Customer support, verification and analytics services
- Marketing and communication service providers
These service providers are only permitted to use your information as necessary to perform their services for T2T and are required to protect your information appropriately.
- For Legal, Regulatory or Safety Reasons
We may disclose your information where required to:- Comply with applicable laws, regulations or legal processes
- Respond to lawful requests by regulators, law enforcement or public authorities
- Protect the rights, property or safety of T2T, our users or the public
- Business Transfers
In the event of a merger, acquisition, restructuring or sale of some or all of our assets, your information may be transferred as part of that transaction. In such a case, we will take reasonable steps to ensure that the new entity continues to protect your information in line with this Privacy Policy.
5. Data Security
We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure or destruction. These measures may include:
- Encryption in transit where applicable
- Access controls and authentication
- Secure data storage and monitoring
However, no method of transmission over the internet or electronic storage is completely secure. While we take reasonable steps to protect your data, we cannot guarantee absolute security.
6. Your Rights and Choices
Depending on applicable law, you may have the right to:
- Access and Update Your Information
- You can view and update certain personal details within your account or by contacting us.
- Opt Out of Marketing Communications
- You can unsubscribe from marketing emails or messages by using the unsubscribe link provided, or by contacting us directly.
- Service-related and legal notices will still be sent where necessary.
- Request Correction or Deletion
- You may request correction of inaccurate information.
- You may request deletion of your personal information, subject to our legal and regulatory obligations to retain certain records (for example, financial and KYC records).
To exercise any of these rights or request assistance, please contact us using the details at the end of this Policy.
7. Cookies
Our website uses cookies to enhance your browsing experience and help us understand how the site is used.
- You can control or delete cookies through your browser settings.
- Disabling cookies may affect some functionality of the website or the way certain features work.
8. Third-Party Links
Our website and app may contain links to third-party websites, applications or services. We are not responsible for the privacy practices, content or security of these third-party sites. We encourage you to read the privacy policies of any third-party services you visit or use.
9. Childrenâs Information
T2Tâs services are not intended for children under the age of 18.
We do not knowingly collect personal information from children under 18. If you believe that a minor has provided us with personal information without appropriate consent, please contact us immediately so we can investigate and remove such information where required.
10. Online Privacy Policy Only
This Privacy Policy applies to:
- Information collected through our website and mobile applications
- Online interactions with T2Tâs digital platforms
It does not apply to information collected offline or via channels other than our official digital platforms.
11. Third-Party Services and Advertising
Some of our partners or service providers may use cookies, tracking technologies or their own data collection practices when you interact with T2T (e.g. analytics, app stores, advertising platforms).
We recommend reviewing the privacy policies of:
- Major app stores (e.g. Google Play, Apple App Store)
- Analytics or advertising platforms you interact with through our services
- Payment and banking partners (linked directly from their platforms or statements)
These third parties are independent of T2T and have their own policies and practices regarding user data.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do:
- We will post the updated version on our website.
- We may also notify you via the app or email where appropriate.
Your continued use of our website or services after the updated Policy becomes effective will constitute your acceptance of the changes.
13. Consent
By using our website, mobile applications and services, you consent to this Privacy Policy and agree to its terms, as well as our Terms and Conditions.
14. Contact Us
If you have any questions, concerns or requests regarding this Privacy Policy or how we handle your information, please contact us at:
T2T Payment Solutions (Pty) Ltd