Privacy Policy

Effective Date : 04-10-2025

Requite Microfinance Inc ("Requite," "we," "us," or "our") is committed to protecting your privacy and ensuring transparency about how we collect, use, share, and safeguard your information. This Privacy Policy explains our practices when you access or use our websites, including www.requite.tech and our SimplyTip platform (collectively, the "Sites") or use our digital platform to facilitate tip payments, whether you are a corporate client, a service provider, or a customer ("Guest"). By accessing or using our services, you acknowledge that you have read and understood this Policy. If you have any specific questions about it, you are welcome to contact us at privacy@requite.tech and we will be happy to give you further clarity.

BASICALLY: We process your data to securely run our tip payment platform, support you, and improve our service-all while giving you control over your information.

Information about this Privacy Policy

What information we collect;
The legal basis and purposes for processing your data;
How and with whom we share your data; and
Your rights regarding your data.

Our practices aim to comply with applicable data protection laws (including CCPA/CPRA and other relevant legislation). Terms not otherwise defined here have meanings consistent with the applicable data protection laws.

What Personal Information We Collect

We collect the following categories and types of personal information:

Types of Data Collected

Identifiers

Name, email, phone number, address, IP address

Financial Information

Bank account details, transaction data

Sensitive Personal Information

Social Security Numbers (when required by law)

Professional & Employment Information

Employer details, job role, authorized representative's name and email (for corporate users)

Usage Information

Device information, browser type, pages visited, timestamps

Geolocation Data

Transaction and device location data

Application Credentials

SaaS app credentials in encrypted form (on request to help access third-party SaaS apps on your behalf)

BASICALLY: We gather your contact and payment details along with technical data to support and enhance our services.

Legal Basis for Processing Your Data

We process your Personal Data only when one or more of the following legal bases apply:

Consent: You have given clear, affirmative consent for specific purposes.
Contract Performance: Processing is necessary to execute the contract under which you use our services.
Legal Obligations: We process data as required by law.
Legitimate Interests: Processing is necessary for our legitimate interests (e.g., fraud prevention, service improvement), provided these interests do not override your rights.

How We Use Your Information

We use your Personal Data for various purposes, including:

Payment Processing: Facilitating secure digital tip transactions.
Identity Verification & Fraud Prevention: Confirming identities and safeguarding against fraud.
Customer Support: Addressing inquiries and resolving issues.
Platform Improvement: Analyzing usage patterns to enhance our offerings.
Legal Compliance: Meeting regulatory and legal obligations.

BASICALLY: We use your data to operate, secure, and improve our service, while keeping you informed and supported.

Data Sharing and Transfers

We share your Personal Data only when necessary and under strict safeguards:

Financial Partners: Banks and payment processors that support transactions.
Service Providers: Trusted third-party vendors (e.g., for identity verification, analytics, and fraud prevention) bound by data processing agreements.
Legal Authorities: As required to comply with applicable laws, regulations, or court orders.

Third-party service providers are contractually required to protect your personal information and process it only according to our instructions and relevant Data Protection Laws.

Security and Retention

We implement industry-standard technical and organizational security measures, including:

PCI DSS compliance;
EMVCo standards;
End-to-end encryption (E2EE);
Secure HTTPS/SSL communications;
Access Controls (restricting access to authorized personnel only);
Regular Security Audits.

We retain personal data only as long as necessary to fulfill our services or as required by applicable law, regulatory obligations, or dispute resolution processes.

Please note that while we strive to protect your data, no method of transmission or electronic storage is completely secure.

BASICALLY: We use industry-standard security measures to keep your data safe, though absolute security can never be guaranteed.

Your Data Protection Rights

Depending on your jurisdiction, you have rights including:

Access to your data;
Correction of inaccurate data;
Deletion of your personal data;
Restrict or object to processing;
Data portability;
Withdrawal of consent;
Filing complaints with your local supervisory authority.

California residents have additional rights under the California Consumer Privacy Act (CCPA), including opt-out rights for any sale or sharing of personal data.

To exercise your rights, contact us at privacy@requite.tech.

Cookies and Similar Technologies (Corporate Website)

On www.requite.tech, we use strictly necessary storage so the site works (for example, deploy version checks and your cookie preference). Optional analytics cookies (Zoho CRM web form analytics on our contact page) load only if you consent via our cookie banner or Cookie Settings. We do not use advertising, retargeting, or email-matching marketing cookies on this corporate website. Details are in our Cookie Notice.

BASICALLY: This marketing site keeps optional tracking off until you say yes. No ad cookies here. Manage choices anytime in Cookie Settings or the Cookie Notice.

Marketing Communications

If you receive promotional email or SMS from Requite about our products, you may opt out using the unsubscribe link in those messages or by contacting privacy@requite.tech. That is separate from cookie choices on www.requite.tech.

Third-Party Links and Do Not Track

Our website may contain links to third-party sites for your convenience. We are not responsible for the content or privacy practices of these sites. Additionally, our platform does not automatically respond to "do not track" requests. Please review the privacy settings on your browser or device for further information.

Children's Privacy

We do not knowingly collect Personal Data from children under the age of 13. If you are under 13, please do not provide us with any Personal Data. Parents and guardians are encouraged to monitor their children's internet usage and contact us if you believe that we have inadvertently collected a child's data.

Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. For any material changes, we will notify you via our website and/or email, and the Effective Date will be updated accordingly. We encourage you to review this Policy periodically.

BASICALLY: We update our policy as needed and keep you informed about any significant changes.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us by email at privacy@requite.tech.

Data Controls

For account/data deletion requests, please use our Deletion Request Form.

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