Tiply (Pty) Ltd – Privacy Policy

Effective date: 12 November 2025

Tiply (Pty) Ltd (“Tiply”, “we”, “us”) helps shoppers give cashless tips via retailer-issued digital vouchers. Recipients redeem those vouchers and see the value as a non-transacting Tiply Balance, then request withdrawals to SA payout methods. This policy explains how we handle personal information on tiply.co.za (the public site) and app.tiply.co.za (the user portal). We operate in South Africa and follow POPIA and other applicable laws.

1) Who we are & how to reach us

• Company: Tiply (Pty) Ltd — Reg. No. 2025/801848/07

• Territory: South Africa (ZAR only; no cross-border transfers)

• Support: WhatsApp +27 87 822 2800 or the contact form on our website

2) What we do (and don’t do)

• We issue and redeem retailer vouchers that show as Tiply Balance (display only, not a payment wallet).

• Users can request withdrawals to a SA bank account or supported cash-out method after basic KYC.

• We do not store card details and we don’t run a transacting wallet.

3) The information we collect

You give us:

• Mobile number, name (if provided)

• Withdrawal details (e.g., bank account name/number)

• KYC info and documents needed for withdrawals (as required by law)

• Messages you send via WhatsApp or our contact form

We collect automatically:

• Basic technical data (IP address, device/browser type, cookies), portal telemetry (logins, OTP requests), and error logs

We receive from third parties (only as needed):

• Retailers/issuers: voucher issuance/redemption confirmations

• WhatsApp (Meta): delivery metadata when you message us

• KYC/verification providers: verification results/flags

• Banks/payout processors: payout status/refs

4) Why we use your information

• Provide the service: redeem vouchers, show Tiply Balance, process withdrawals

• Security & abuse prevention: OTP, rate-limits, fraud checks, audit logs

• Legal & compliance: KYC/AML/FICA duties, record-keeping

• Support & comms: respond to enquiries and service notifications

• Improve reliability: basic analytics and troubleshooting

We only collect what’s necessary and keep it as limited as possible.

5) Cookies & analytics

We use essential cookies to keep you signed in and run core features, plus light analytics to improve reliability and security. You can block cookies in your browser; some features may stop working.

6) How we share information

We never sell your data. We share only when needed to run Tiply or when the law requires it, for example with:

• Retailers/issuers (recon & validation), banks/payout processors (withdrawals), KYC providers (verification), and hosting/infrastructure partners (site, portal, and API).
  All service providers are bound by confidentiality and process data under our instructions.

7) Where we store/process data

Our systems run primarily in South Africa. If a trusted provider stores or processes data outside SA, we use safeguards consistent with POPIA (e.g., contractual protections / adequate jurisdictions).

8) How long we keep information

We keep information only for as long as needed for service delivery, legal/regulatory requirements (including AML/FICA), dispute resolution, and security/audit. When no longer needed, we securely delete or de-identify it.

9) Your privacy rights (POPIA)

You can request access to your information, ask us to correct it, object to certain processing, or request deletion where lawful. Where we rely on consent (e.g., optional marketing), you can withdraw it at any time.

• To exercise rights, contact us via WhatsApp or the site contact form.

• You can also lodge a complaint with the Information Regulator (South Africa) (see justice.gov.za/inforeg).

10) Security

We use HTTPS/TLS, token-based access, least-privilege controls, and audit logging. No system is perfect; if a data incident poses a risk to you, we’ll notify you and (where required) the Information Regulator.

11) Children

Our services are intended for adults. If you believe a child has provided personal information, contact us so we can review and remove where appropriate.

12) Updates to this policy

If we change this policy, we’ll update the date above and, for material changes, we’ll highlight them on the site or in-product.

Questions? Message us on WhatsApp +27 87 822 2800 or use the contact form on tiply.co.za.