Privacy Policy

Transfer Instant Payment Ltd ("TiP", "we", "our", or "us") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the TiP Wallet mobile application and website (collectively, the "Service").

Please read this policy carefully. If you disagree with its terms, please discontinue use of the Service.

We collect information you provide directly to us, including:

• Identity data — full name, date of birth, national ID or passport number
• Contact data — phone number, email address, postal address
• Financial data — wallet balance, transaction history, bank account details (where applicable)
• Device data — device ID, IP address, operating system, browser type
• Usage data — pages visited, features used, time spent in the app
• KYC data — government-issued ID documents and selfie photographs for identity verification

We use the information we collect to:

• Create and manage your TiP Wallet account
• Process transactions and send you related notifications
• Comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Send you service updates, security alerts, and support messages
• Improve, personalise, and expand our Service
• Comply with applicable laws and regulations

We do not sell your personal information. We may share your data with:

• Service providers — third-party vendors who assist in operating our platform (e.g., payment processors, KYC providers, cloud hosting)
• Regulatory authorities — where required by law, court order, or government regulation
• Business partners — only with your explicit consent for specific services
• Successor entities — in connection with a merger, acquisition, or sale of assets

We retain your personal data for as long as your account is active and for a period thereafter as required by applicable financial regulations (typically 5–7 years). You may request deletion of your account and associated data at any time, subject to our legal retention obligations.

We implement industry-standard security measures including AES-256 encryption at rest, TLS 1.3 in transit, multi-factor authentication, and regular security audits. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete data
• Request deletion of your data (subject to legal obligations)
• Object to or restrict certain processing activities
• Data portability — receive your data in a machine-readable format
• Withdraw consent at any time where processing is based on consent

To exercise any of these rights, contact us at privacy@tipswallet.com.

Our website uses cookies and similar tracking technologies to enhance your experience. You can control cookie preferences through your browser settings. Disabling cookies may affect certain features of the Service.

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with their data, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy, please contact us:

• Email: privacy@tipswallet.com
• Address: Transfer Instant Payment Ltd, Enquiries: 02012715002, 02013305005, 02014609000