Privacy Policy | Techtiq

1. Introduction

TECHTIQ (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment orchestration platform and related services (collectively, the “Services”).

By using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree with this policy, please do not use our Services.

2. Information We Collect

2.1 Information You Provide

We collect information you provide directly to us, including:

Account Information: Name, email address, company name, phone number, and business details
Payment Information: Payment card details, bank account information, and transaction data
Communication Data: Information from your communications with us, including support requests and feedback
Business Information: Information about your business operations, payment volumes, and merchant details

2.2 Automatically Collected Information

Usage Data: Information about how you use our Services, including API calls, transaction data, and feature usage
Device Information: IP address, browser type, operating system, device identifiers, and mobile network information
Log Data: Server logs, error reports, and system activity
Cookies and Tracking: We use cookies and similar technologies to track activity and store preferences

2.3 Information from Third Parties

We may receive information from:

Payment processors and financial institutions
Fraud prevention services
Business partners and service providers
Publicly available sources

3. How We Use Your Information

We use the collected information for:

Service Provision: Processing payments, managing transactions, and providing our platform features
Account Management: Creating and maintaining your account, authentication, and customer support
Security and Fraud Prevention: Detecting, preventing, and investigating fraud and security incidents
Compliance: Meeting legal obligations, regulatory requirements, and industry standards (PCI DSS, GDPR, etc.)
Analytics and Improvement: Analyzing usage patterns, improving our Services, and developing new features
Communication: Sending service updates, security alerts, technical notices, and marketing communications (with consent)
Business Operations: Internal recordkeeping, auditing, and business analysis

4. Data Sharing and Disclosure

We may share your information with:

4.1 Service Providers

Third-party vendors who perform services on our behalf, including payment processors, hosting providers, analytics services, and customer support tools. These providers are bound by confidentiality agreements.

4.2 Payment Network Participants

Banks, card networks (Visa, Mastercard, etc.), payment processors, and other financial institutions necessary to process transactions.

4.3 Legal Requirements

When required by law, regulation, legal process, or governmental request, including:

Compliance with subpoenas or court orders
Enforcement of our Terms of Service
Protection of our rights, property, or safety
Prevention of fraud or illegal activities

4.4 Business Transfers

In connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred to the successor entity.

4.5 With Your Consent

We may share information with third parties when you explicitly consent to such sharing.

5. Data Security

We implement industry-standard security measures to protect your information:

Encryption: TLS/SSL encryption for data in transit and AES-256 encryption for data at rest
PCI DSS Compliance: We maintain PCI DSS Level 1 certification for payment card data handling
Access Controls: Role-based access controls and multi-factor authentication
Network Security: Firewalls, intrusion detection, and regular security audits
Monitoring: 24/7 security monitoring and incident response procedures

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but continuously work to protect your information.

6. Data Retention

We retain your information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods include:

Transaction Data: Retained for at least 7 years to comply with financial regulations
Account Information: Retained while your account is active and for a reasonable period thereafter
Communication Records: Retained for customer support and legal compliance purposes

You may request deletion of your data, subject to our legal and regulatory obligations.

7. Your Rights and Choices

Depending on your location, you may have the following rights:

Access: Request access to your personal information
Correction: Request correction of inaccurate or incomplete data
Deletion: Request deletion of your personal information (subject to legal requirements)
Portability: Request a copy of your data in a structured, machine-readable format
Restriction: Request restriction of processing your personal information
Objection: Object to processing of your personal information
Opt-Out: Opt out of marketing communications at any time
Withdraw Consent: Withdraw consent for data processing where applicable

To exercise these rights, contact us at privacy@techtiq.io.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place, including:

Standard Contractual Clauses approved by the European Commission
Data Processing Agreements with third-party processors
Privacy Shield certification (where applicable)
Adequacy decisions by relevant data protection authorities

9. Cookies and Tracking Technologies

We use cookies and similar technologies for:

Essential Cookies: Necessary for the platform to function
Analytics Cookies: Understanding usage patterns and improving Services
Preference Cookies: Remembering your settings and preferences
Marketing Cookies: Delivering relevant advertisements (with consent)

You can manage cookie preferences through your browser settings. Disabling certain cookies may limit functionality.

10. Children’s Privacy

Our Services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware of such collection, we will take steps to delete the information promptly.

11. Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

Posting the updated policy on our website
Updating the “Last Updated” date
Sending an email notification for significant changes

Your continued use of the Services after changes become effective constitutes acceptance of the updated policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, contact us:

TECHTIQ Privacy Team
Email: privacy@techtiq.io
Support: support@techtiq.io

14. Specific Regional Disclosures

14.1 European Economic Area (EEA), UK, and Switzerland

If you are located in the EEA, UK, or Switzerland, you have additional rights under GDPR, including the right to lodge a complaint with a supervisory authority.

14.2 California Residents

Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information. Contact us to exercise your CCPA rights.

14.3 Other Jurisdictions

We comply with applicable data protection laws in all jurisdictions where we operate. Contact us for jurisdiction-specific information.