TIPPING MONEY (PTY) LTD – WEBSITE PRIVACY POLICY

Effective Date: 01 May 2025
Company Registration Number: 2025/266988/07
Website: www.tipping.money
Contact Email: support@tipping.money
Phone: +27 11 362 1001

1. Introduction
Tipping Money (Pty) Ltd (“Tipping Money”, “we”, “us”, or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By accessing this website or registering as a user, you agree to the terms outlined in this policy.

2. Information We Collect
We may collect the following personal information:
• Direct Information: Names, email addresses, phone numbers, and payment or withdrawal details when users register as a content creator, fundraiser, or donor.
• Automated Data: IP address, browser type, pages visited, and cookies for analytics and security purposes.
• Financial Data: Transaction amounts, wallet balances, payment history (no card details are stored directly).

3. How We Use Your Information
We use your information to:
• Provide our services (e.g., tipping, redemptions, and wallet access).
• Communicate important updates, tip confirmations, and service announcements.
• Verify your identity and bank details for withdrawals.
• Detect and prevent fraud or abuse of the platform.
• Improve the user experience and develop new features.

4. Legal Basis for Processing
We process your data in accordance with the POPIA Act and, where applicable, GDPR. Our legal basis includes:
• Consent (when you register or opt-in).
• Contractual necessity (e.g., paying out tips).
• Legal obligations (e.g., financial regulations).
• Legitimate interest (fraud prevention, service improvements).

5. Sharing of Information
Tipping Money does not sell or rent your information. We may share limited information with:
• Payment processors (e.g., Peach Payments, Onafriq) for secure transactions.
• Banking partners (e.g., Nedbank) for float management and withdrawals.
• Auditing and security providers (e.g., PwC) for compliance purposes.
• Government authorities if required by law or regulation.

All third parties are bound by confidentiality and data protection agreements.

6. Your Rights
Under POPIA and applicable laws, you have the right to:
• Access the personal data we hold about you.
• Correct or update your personal information.
• Object to the processing of your information.
• Request deletion (where legally permissible).
• Lodge a complaint with the Information Regulator.

Requests can be sent to: support@tipping.money

7. Cookies & Tracking Technologies
We use cookies to:
• Maintain login sessions.
• Measure website usage.
• Personalise content.

You may disable cookies in your browser, but some features may not function correctly.

8. Data Retention
We retain your information only as long as necessary for the purposes outlined above or as required by law.

9. Data Security
We use advanced encryption, PCI DSS-compliant payment gateways, and secure cloud hosting (Microsoft Azure) to protect your data. Internal access to user information is strictly controlled.

10. International Transfers
If tips are received from users outside South Africa, we ensure adequate protection through secure cross-border payment systems and contractual safeguards with international partners.

11. Updates to This Policy
We may update this Privacy Policy from time to time. Updated versions will be posted on the website with a revised “Effective Date”.

12. Contact Us
For any questions about this policy or your data rights:
Tipping Money (Pty) Ltd
Email: support@tipping.money
Phone: +27 11 362 1001
Website: www.tipping.money