Privacy Policy

This Privacy Notice describes how Teal Pay Global, Inc. and our affiliates (collectively, “Riff,” “we,” and “us”) collect, use, disclose, transfer, store, retain or otherwise process your information when you, whether as an individual sole proprietor or on behalf of a business entity, apply or sign up for a Riff user account and other services through Riff’s website or applications (collectively, the “Services”).

Please review our GLBA Privacy Notice for Financial Customers to understand how we share your data.

If you are a Riff user, this privacy notice applies to you. It explains what data we collect about you, what we may do with it, when and why we share it with others, how long we keep it, how we secure it, what cookies are and what they and similar technologies do, what data is collected about you by third-party service providers, and what choices you have to control your data.

By using our Services, you consent to these data practices. If you use our Services on behalf of your company, that company consents too.

This Privacy Notice applies to information collected in connection with your access to and use of our Services. Please read this Privacy Notice carefully. By continuing to interact with our Services, you are consenting to the practices described in this Privacy Notice.

INFORMATION WE COLLECT ABOUT YOU

We use your data to make Riff’s products and services work better for you and for others. This describes what data we get about you, which can vary depending on where you live.

Information You Provide

We use data you put into our systems when you open and use an account or other systems, like financial or tax information, information that identifies who you are, transaction information, and any other data you give us.

We may collect information you provide when you:

• Make a request to receive information about Riff;
• Apply or sign up for a Riff account or other Services;
• Go through our identity or account verification process, authenticate into your account, communicate with us, answer our surveys, upload content, or otherwise interact with the Services.

We call this information User Account Data.

Specifically, we collect the following categories of information:

• Financial information, such as bank account information and payment card numbers;
• Identification Information, such as name, email address, postal address, signature, phone number, passport number, driver’s license number, Social Security number, Taxpayer Identification number, or other government-issued identification number;
• Tax information, such as withholding allowances and tax filing status;
• Transaction Information, such as information about when and where payment transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions;
• Other Information You Provide, such as information you voluntarily provide to us, including survey responses, participation in contests, promotions, prospective seller marketing forms, suggestions for improvements, referrals, or other actions you perform on the Services.

Information We Collect From Your Use of the Services

We also get data from the devices you use when you interact with our systems, like your location or information about the device you are using. We need this data to help protect your account from hackers, combat fraud, verify that payments are being made or received legally and by you, and improve our products and services.

Data we collect may include:

• Commercial information, such as information about your payment transactions;
• Electronic information, such as web browser and device characteristics;
• Geolocation data, which includes the location of your device;
• Internet or other electronic network activity information, including how you use and interact with our Services, access time, log-in and log-out information, browser type and language, domain name of your internet service provider, pages visited, content viewed, features used, date and time of use, search terms, and referral website information;
• Online identifiers, including login information, IP address, device identifier, cookies, beacons, pixel tags, mobile ad identifiers, customer number, unique alias, and similar identifiers;
• Professional information, such as information you provide about your business; and
• Inferences drawn from the information above to create a profile about you reflecting, for example, your preferences, characteristics, and behavior.

Information We Collect From Other Sources

We may collect data about you from companies that help us verify your identity, perform credit checks, prevent fraud, or assess risk.

• Background check information, including credit report information, identity verification information, and information about persons or corporations with whom you have had, currently have, or may have a financial relationship;
• Credit, compliance and fraud information received from third parties for credit investigation, credit eligibility, identity or account verification, fraud detection, or collection procedures, or as otherwise required by applicable law.

SOURCES OF INFORMATION WE COLLECT ABOUT YOU

We collect your information from you and the other sources listed below.

We may collect information about you from the following categories of sources:

• Your devices and applications when you interact with our website or use our Services;
• Our group companies and affiliates;
• Other sources, including social media networks, online advertising companies, identity verification and fraud detection providers, credit bureaus, financial institutions, mailing list providers, and publicly available sources.

HOW WE USE YOUR INFORMATION

We use your data to make sure the products you are using work, help you log into your account, verify who you are, secure your data, fight fraud, follow the law, enforce our agreements, determine what new products we can build, and market products to you that may make it easier for you to run your business.

Performing, Improving and Developing our Services

• Delivering the information and support you request, including technical notices, security alerts, support messages, dispute resolution, fee collection, and problem assistance;
• Determining whether the Services are available in your country;
• Developing new products and services;
• Displaying your historical transaction or appointment information;
• Improving, personalizing, and facilitating your use of our Services;
• Processing or recording payment transactions or money transfers;
• Providing, maintaining, and improving our Services, including our website;
• Doing internal research and analyzing trends and usage; and
• Otherwise providing you with the Riff products and features you choose to use.

Communicating with You About our Services

• Sending you surveys and getting your feedback about our Services;
• Providing information about and promoting our Services to you; and
• Sending you information we think you may find useful or that you have requested from us.

Protecting our Services and Maintaining a Trusted Environment

• Conducting investigations, complying with and enforcing applicable laws, regulations, legal requirements, and industry standards, and responding to lawful requests for information;
• Contacting you to resolve disputes, collect fees, and help you with our Services;
• Debugging to identify and fix errors that impair how our Services function;
• Making sure you follow our Terms of Service or other applicable agreements or policies;
• Investigating, detecting, preventing, recovering from, or reporting fraud, misrepresentations, security incidents, or other malicious or illegal activities;
• Protecting your rights, our rights, our customers’ rights, or your customers’ rights and property;
• Verifying or maintaining the quality and safety of our Services; and
• Verifying your identity.

Advertising and Marketing

• Marketing our Services to you; and
• Communicating with you about opportunities, products, services, contests, promotions, discounts, incentives, surveys, and rewards offered by us and select partners.

If we send you marketing emails, each email will have instructions on how you can opt out of future marketing from us.

Other Uses

• For any other reason we may tell you about from time to time.

WHEN AND WITH WHOM WE SHARE YOUR INFORMATION

We share your information with others in the circumstances described in this section.

With other Users of our Services with Whom You Interact

• With other users of our Services with whom you interact through your own use of our Services, such as your customers when you make or accept a payment, appointment, or money transfer using our Services.

With our Affiliates and Group Companies

• With our group companies and corporate affiliates for the reasons outlined above.

With our Service Providers

• With service providers who help us provide, maintain, and improve our Services, including fraud prevention, identity verification, fee collection, financial institutions, payment networks, payment card associations, credit bureaus, partners, and other service providers;
• With service providers that help us run advertising campaigns, contests, special offers, or other events;
• With service providers that help us provide support desk chat functionality.

Business Transfers and Corporate Changes

• To a subsequent owner, co-owner, or operator of one or more of the Services; or
• If we engage in or attempt a merger, consolidation, restructuring, sale of stock or assets, financing, acquisition, divestiture, dissolution, or other corporate change.

Safety and Compliance with Law

• If we believe disclosure is reasonably necessary to comply with law, regulation, legal process, or governmental request; establish, exercise, or defend legal rights; enforce agreements; protect rights or property; investigate suspected illegal activity; or protect users or the public from harm.

With Your Consent

• At your direction, as described at the time you agree to share, or when you authorize a third-party application or website to access your information.

With Others

• With other companies who deliver services on our behalf, including through cookies, similar automated technologies, third-party analytics, and online tracking and interest-based advertising.

Aggregated and Anonymized Information

• We may share aggregated and anonymized information that does not specifically identify you or any individual user.

COOKIES AND OTHER SIMILAR TECHNOLOGIES

Digital cookies and similar technologies help us improve our Services by recognizing when you have signed in, analyzing how you use our Services, personalizing your experience, and making our advertising more effective.

When you interact with our online services, or open emails we send you, we obtain certain information using automated technologies such as cookies, web server logs, web beacons, and other technologies.

These technologies help us to:

• Remember your information so you do not have to re-enter it;
• Track and understand how you use and interact with our online services and emails;
• Tailor our online services to your preferences;
• Measure how useful and effective our services and communications are to you; and
• Otherwise manage and enhance our products and services.

Your browser can alert you when cookies are placed on your device and how you can stop or disable them. You can learn more about cookies and manage your preferences at allaboutcookies.org.

THIRD-PARTY ANALYTICS SERVICES

We may use third-party analytics service providers to help us with our online services. Those analytics providers may use cookies, web beacons, and web server logs to help us analyze how you use our online services.

ONLINE TRACKING AND INTEREST-BASED ADVERTISING

We and the service providers we use to advertise to you may collect information about your activities on Riff and elsewhere online in order to tailor our products, services, and advertising to your interests.

Certain web browsers offer Do Not Track signals. At this time, our websites are not designed to respond to DNT signals or similar browser mechanisms.

HOW LONG WE KEEP YOUR INFORMATION

We keep your information as long as you keep using our products and services. After that, we keep it for as long as we need it to fight fraud, collect fees owed, resolve disputes, follow the law, enforce our agreements, and defend our rights.

Even after you deactivate your account, we may retain copies of information about you and transactions or Services in which you participated for a period consistent with applicable law, statutes of limitation, legal process, governmental requests, fraud prevention, fee collection, dispute resolution, investigations, and enforcement of our agreements and policies.

YOUR CHOICES

You can see, change, or fix information you gave us, ask us to deactivate your account, control your location information, or tell us to stop marketing to you by opting out.

If you live in California, you have additional rights, which we describe below.

Personal Information

You may access, change, or correct information you provided by logging into your Riff account or by making a request to us using the contact details below. We will need to verify your identity before granting access or making changes.

Deactivating Your Account

If you wish to deactivate your account, you can do so by logging into your Riff account or by emailing us using the contact details below.

Location Information

In order to provide certain Services, we may request access to location information, including precise geolocation information collected from your device. If you do not consent, certain Services may not function properly. You can stop our collection of location information by changing your device settings or uninstalling Riff mobile applications.

Promotional Communications

You can opt out of receiving promotional messages from Riff by following the instructions in those messages, informing the caller you do not want future promotional calls, or changing your notification settings in your Riff account. You may only opt out of text messages by replying STOP.

ONLINE BEHAVIORAL OR INTEREST-BASED ADVERTISING

Third-Party Online Behavioral or Interest-Based Advertising Services on Websites

Some advertising platforms we use participate in the DAA Self-Regulatory Program for Online Behavioral Advertising, which offers a centralized place where users can make choices about the use of their information. You can visit the Digital Advertising Alliance WebChoices tool to make those choices.

Some of these providers may also be members of the Network Advertising Initiative, which offers its own opt-out tool for interest-based advertising delivered by member companies.

Third-Party Online Behavioral or Interest-Based Advertising Services Within Mobile Applications

Some mobile advertising platforms we use participate in the DAA Self-Regulatory Program and provide the AppChoices mobile application, which allows you to make choices about the use of your information for online behavioral advertising within the mobile environment.

On your mobile device, you may also go to your settings and select “Limit Ad Tracking” on iOS or “Opt out of Interest-Based Ads” on Android, which may limit our use of information collected from or about your mobile device for online behavioral advertising.

RIGHTS OF CALIFORNIA RESIDENTS

If you live in California, California law gives you the right to ask whether we disclose your personal information to third parties for their direct marketing purposes, and whether we sell your personal information to third parties. We do not disclose personal information for others’ direct marketing purposes and do not sell personal information.

Children’s Personal Information

If you are a minor under age 13, please do not use our Services. If we collect your data and later learn you are under age 13, we will delete it. Our Services are general audience services not directed at children under 13.

SECURITY

We take reasonable administrative, technical, and physical safeguards to protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment and we cannot guarantee absolute security of the transmission or storage of your information.

STORAGE AND PROCESSING

We operate in many countries, and we or our service providers may move your data and process it outside the country where you live, including in the United States, Canada, Japan, the European Union, and other countries.

CHANGES TO THIS PRIVACY NOTICE

We may amend this Privacy Notice from time to time by posting a revised version and updating the effective date. We will provide reasonable prior notice of material changes in how we use your information, including by email if you have provided one. If you disagree with those changes, you may cancel your account at any time.

Contact

You can contact our privacy team with any questions or concerns by email at info@useriff.app.

If you have any questions or concerns regarding this privacy notice, or if you believe applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with our privacy team. We may request additional details from you regarding your concerns and may keep records of your request and any resolution.