Privacy Policy – Tippee Payments Ltd

1. Who We Are

This Privacy Policy explains how Tippee Payments Ltd (“we”, “our”, or “Tippee”) collects, uses, and protects your personal data. We are a private limited company registered in England and Wales under company number 16223668.

Registered Office:

Tippee Payments Ltd

10 York Rd

London, United Kingdom, SE1 7ND

Email: privacy@tippee.xyz

We are committed to protecting your privacy and handling your data transparently, securely, and in accordance with applicable data protection laws, including the UK GDPR and the EU GDPR.

⸻

2. What Data We Collect

Depending on how you interact with Tippee, we may collect:

• Personal details (e.g. full name, email address, phone number)

• Payment information (e.g. linked bank account via Open Banking, transaction details)

• Device and usage data (e.g. IP address, browser type, OS, app usage, session data)

• Location data (only if you grant permission)

• Merchant information (for business accounts and partners)

⸻

3. How We Use Your Data

We use your data to:

• Enable payments and provide our services

• Authenticate and verify your identity and account details

• Improve and personalise user experience

• Communicate updates, offers, and customer support

• Ensure security, prevent fraud, and comply with legal obligations

We do not sell your personal data to third parties.

⸻

4. Lawful Bases for Processing

We rely on the following lawful bases under the GDPR:

• Contractual necessity – to deliver the payment services you’ve requested

• Legal obligation – to comply with regulations (e.g. KYC, AML)

• Legitimate interests – to improve and secure our platform

• Consent – for marketing or optional data collection (e.g. location access)

⸻

5. Data Sharing

We may share your data with:

• Open Banking partners and banking APIs

• Service providers (e.g. cloud storage, analytics, customer support tools)

• Regulators and legal authorities (if required by law)

• Business partners (e.g. merchants or POS networks) with whom you transact

All partners are bound by contractual obligations to handle data securely and lawfully.

⸻

6. Data Storage and Transfers

Your data may be stored in the UK, EU, or countries that ensure an adequate level of protection. Where required, we implement Standard Contractual Clauses to safeguard international data transfers.

⸻

7. Data Retention

We retain your personal data only as long as necessary:

• For the purposes described above

• To comply with legal and regulatory obligations

• To resolve disputes and enforce agreements

⸻

8. Your Rights

You have the right to:

• Access your personal data

• Correct inaccurate or incomplete data

• Request deletion (where applicable)

• Object to or restrict processing

• Withdraw consent at any time

• Lodge a complaint with a supervisory authority

To exercise your rights, contact: privacy@tippee.xyz

⸻

9. Cookies and Tracking

Our website and app may use cookies and similar technologies to:

• Provide core functionality

• Analyse usage patterns

• Improve service performance

You can manage your cookie preferences through your browser or device settings.

⸻

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or in-app notification.

⸻

11. Contact Us

If you have questions about this policy or how we handle your data:

Email: privacy@tippee.xyz

Address: Tippee Payments Ltd, 10 York Rd, London, SE1 7ND, United Kingdom