Last Updated: September 29, 2021
This policy applies to information we collect: (i) on the Platform; and (ii) in email, text and other electronic messages between you and TaliPay or its authorized representatives.
Information We Collect
Personal Information. We may require Users who use to Platform (whether via submission of queries or orders for TaliPay’s services) to give us personally identifiable information, which may include but is not limited to the User’s first and last name, mailing addresses (home and business), phone number, email address and age/birth date. If you choose to transact business with us, additional financial information about you and/or your business (including, without limitation, payment card and financial account payment information, federal tax ID, owner/principal identities, financial references, current and historical financial account and customer information, and financial statements) may be requested. Pursuant to the US Patriot Act, individual who seek to open an account with us may be required to provide various information and materials to establish and confirm his or her identity, including, without limitation: (i) Driver’s License; (ii) Passport & Country of Issuance; (iii) U.S. taxpayer identification or social security number; (iv) Alien Identification Card; and (v) Any other government issued document evidencing nationality or residence. All of the foregoing personal and financial information and related materials shall be collectively referred to hereinafter as “Personal Information.”
From time to time, we may also collect or ask for additional Personal Information, which will also be expressly included herein as Personal Information. Any Personal Information you provide to us is voluntary and you can opt out of providing certain Personal Information requested by us. However, your refusal to provide certain Personal Information requested as part of our service may hinder or otherwise restrict your ability to use the Platform and services offered therefrom.
We use the information that we collect to provide and maintain the Platform as we deem appropriate in our sole discretion and to provide the service through the Platform, and to provide any other services that you and TaliPay agree to. TaliPay may aggregate data that it obtains from Users to analyze trends, to gather data to benchmark best practices, and to monitor, improve and refine the functionality of the Platform and our services. You agree that TaliPay is the sole owner of any derivative data that is created from Personal Information, but not the Personal Information itself, and may choose to sell or license such derivative data without your further consent. For example, as described above, TaliPay may use data regarding User transactions to create financial models or forecasts, and such models and forecasts may be used or disseminated at TaliPay’s sole discretion.
We may also use the information to contact you to further discuss interest in TaliPay (including the products and services that we provide) and to send information regarding TaliPay or its partners, such as promotions. You may be invited to receive an e-mail newsletter or other correspondence by providing an email address. We may outsource all of these tasks to third parties. However, your e-mail address and any Personal Information will not be distributed or shared with third parties, unless it is to transact such business as you have contracted or otherwise explicitly authorized us to do, to comply with any legal processes and/or law enforcement requests, or in order to conduct any business as we, in our sole subjective discretion, deem reasonable. If you voluntarily submit your e-mail address to use via the Platform or use of any of TaliPay’s other products and services, such a submission constitutes your consent to receive e-mails from TaliPay regarding updates to the Platform, and may send a newsletter, or other correspondence. You will have an opportunity to unsubscribe to any emails or mailings by clicking on an “unsubscribe” hyperlink contained in promotional e-mails we send you. Even if you are removed from any such list, if you use the Platform or re-submit your e-mail address to the Platform (either via the contact form, e-mail submission or otherwise), you will continue to receive email correspondence from TaliPay related to the Platform. Any opt-out by you is not deemed valid until processed by TaliPay. It is your obligation to verify that you have been opted-out. TaliPay shall not be liable for problems with the opt-out procedures.
Non-Personal Information. Besides the Personal Information, we may also collect other information regarding your use of the Platform. We collect and use non-personally identifiable information, which is any information other than Personal Information and/or does not identify the specific individual, including, without limitation: IP address, the approximate geographic location of the User based on their IP address the type of browser and operating system used by the User, any interactions a User may initiate within the Platform, the websites and web pages that Users visit or visited, User interactions with features of the Platform, content preferences User selected within the Platform and other inferences about the User’s interests made based upon the foregoing. This information is not intentionally gathered in a fashion to personally identify any single User. We use this information to help us develop the Platform, analyze patterns of usage, and to make the Platform more useful. TaliPay may collect statistics about the behavior of visitors to the Platform.
Cookies & Logs
When you view the Platform, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
Do Not Track Signals from Web Browsers – The Platform is not presently configured to support Do Not Track (“DNT”) signals from web browsers.
TaliPay does not knowingly allow any visitors or users under the age of eighteen (18) to use or otherwise access to the Platform. TaliPay does not wish to collect any Personal Information (or any information at all) from any persons under 18 years old. If you are under 18 years old, you may not use the Platform. Because we do not intentionally collect any information from children under the age of 18, we also do not knowingly share or disclose such information to third parties. If you have reason to believe that a child under 18 years of age has provided us with information, please contact us at email@example.com and we will take appropriate action under applicable law.
Third Party Platforms
The Platform may contain links to other websites. We are not responsible for the privacy practices or the content of these other websites. You will need to check the privacy policies of these others websites to understand their policies. When you access a linked site you may be disclosing private information. It is your responsibility to keep such information private and confidential.
Disclosure of User Information to Third Parties
In addition to the use of information described above, TaliPay reserve the right to disclose information provided by Users (including Personal Information) as follows:
Disclosure by Law. You acknowledge and agree that we may disclose information you provide if required to do so by law, at the request of a third party, or if we, in our sole discretion, believe that disclosure is reasonable to (1) comply with the law (including, without limitation, the United States Patriot Act), requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law); (2) protect or defend TaliPay’s, or a third party’s, rights or property; or (3) protect someone’s health or safety, such as when harm or violence against any person (including you) is threatened.
Disclosure to Third Party Service Providers. We may share your information with third party service providers, affiliates and business partners to perform functions on our behalf to support our business operations including customer service, transfer or payment, fraud prevention, secure data storage and other similar services. Your information will be treated as private and confidential by such service providers and not used for any other purpose than we authorize.
Please note that data that is transported over an open network, such as the Internet or e-mail, may be accessible to anybody. We cannot guarantee the confidentiality of any communication or material transmitted via such open networks. When disclosing any personal information via an open network, you should remain mindful of the fact that it is potentially accessible to others, and consequently, can be collected and used by others without your consent. In particular, while individual data packets are often encrypted, the names of the sender and recipient are not. A third party may therefore be able to trace an existing bank account or relationship or one that is subsequently created. Even if both the sender and recipient are located in the same country data may also be transmitted via such networks to other countries regularly and without controls, including to countries that do not afford the same level of data protection as your country of domicile.
Password-protected areas of the Platform can be accessed only with a valid user name and password. Each password owner is responsible for keeping the password confidential and safe, as TaliPay has no control or responsibility for this type of User information. If the password may have been stolen or might otherwise be misused, it is the responsibility of the password owner to notify TaliPay immediately for further action.
Your data may be lost during transmission or may be accessed by unauthorized parties. We do not accept any liability for direct or indirect losses as regards the security of your Personal Information or data during its transfer via Internet. Please use other means of communication if you think this is necessary or prudent for security reasons.
Users Outside of the United States
The TaliPay Platform is exclusively hosted in the United States. If you are User accessing the Platform from the European Union, Australia, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure, that differ from United States laws, please note that you are transferring your personal data to the United States which does not have the same data protection laws as such other regions. User information (including Personal Information or “personal data” as defined by foreign laws) collected through the Platform may be stored and processed in the United States, and by using the Platform, you consent to any such transfer of information outside of your home country. You are also consenting to the application of United States law in all matters concerning the Platform and use of any services offered from or through the Platform.