Privacy Policy

Tiva Finance Services Ltd (“Tiva,” “we,” “us,” “our”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services, platform, APIs, card products, or websites.

By using our services, you agree to the practices described in this Privacy Policy.

This Privacy Policy applies to all individuals and entities who access, use, or interact with Tiva’s services, whether directly or through third parties. This includes:

• End-users of card, credit, or other payment services.
• Users accessing Tiva’s APIs, platforms, or websites.
• Visitors to Tiva’s online properties.
• Representatives of companies, vendors, service providers, or other partners interacting with Tiva.

3.1 Information You Provide to Us

• Personal identification information (e.g., name, address, date of birth, government-issued ID).
• Contact details (e.g., email address, phone number).
• Financial information (e.g., bank account details, wallet information).
• Verification data (KYC/KYB documentation).

3.2 Information We Collect Automatically

• Transaction details (amount, merchant, date, time, currency).
• Device and usage data (IP address, browser type, access times).
• API usage logs and error reports.

3.3 Information from Third Parties

• Verification data from identity providers, banks, and compliance vendors.
• Risk and fraud signals from analytics providers.

We process personal data to:

• Provide and deliver our services.
• Comply with legal and regulatory obligations (e.g., AML/CFT, sanctions screening).
• Detect, investigate, and prevent fraud or illegal activity.
• Communicate with you regarding your account, transactions, or our services.
• Improve and develop our services, including analytics and product enhancement.

We may share your information with:

• Partner banks for account creation, card issuance, and settlement.
• Third-party service providers (e.g., KYC vendors, fraud prevention tools, hosting providers) who process data on our behalf under strict confidentiality obligations.
• Regulatory and law enforcement authorities as required by law.

We process data under the following legal bases:

• Performance of a contract.
• Compliance with legal obligations.
• Legitimate interests (e.g., preventing fraud, improving services).
• Your consent, where applicable.

Your information may be transferred to and processed in countries outside your country of residence. We ensure such transfers comply with applicable laws, using safeguards such as Standard Contractual Clauses where required.

We implement appropriate technical and organisational measures to protect data against unauthorised access, alteration, disclosure, or destruction, including encryption, secure hosting, and access controls.

We retain your data only for as long as necessary to:

• Fulfil the purposes for which it was collected.
• Comply with applicable legal obligations.
• Resolve disputes and enforce agreements.

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

• Access, correct, or delete your personal data.
• Restrict or object to processing.
• Request data portability.
• Withdraw consent (where applicable).

Requests can be made by contacting support@tivafinance.com.

We may use cookies and similar technologies to improve service functionality, analyse usage, and enhance security. You can control cookie preferences through your browser.

We may update this Privacy Policy from time to time. Updates will be posted on our website and, where appropriate, notified to you via email.

If you have any questions or concerns regarding this Privacy Policy or our data practices, please contact us at:

• Email: support@tivafinance.com