Privacy Notice

1. What Information We Collect

a) Information You Provide to Us

Depending on how you interact with us, you may provide:

• Contact details: Name, email address, phone number, mailing and billing address.
• Account details: Username, password, and contact preferences.
• Identity and verification details: Government-issued ID, proof of address, nationality, gender, job title, or industry (especially required for users receiving payouts).
• Payment details: Credit/debit card numbers, billing address — securely stored and processed by Stripe (see “Payment data” below).
• Bank details for payouts: Account holder name, IBAN, bank name, and other routing details required to distribute tips.

All information you provide must be true, complete, and accurate, and you must notify us of any changes.

b) Sensitive Information

Where permitted by law or with your explicit consent, we may process:

• Financial data and credit-worthiness data.
• Government identifiers (e.g., passport or driving licence numbers) for legal identity verification (KYC).
• Personally identifiable information used strictly for fraud prevention and verification.

c) Payment and Payout Data

If you send a tip, make a purchase, or receive a tip payout, the data needed to process it is handled securely by our payment processor, Stripe.

Stripe Privacy Policy: https://stripe.com/privacy

Identity verification (KYC), payment processing, and tip payouts are managed directly via Stripe using official APIs/SDKs. tipgreen provides the required information to Stripe as needed to facilitate these transfers.

d) Application Data

If you use our mobile application and grant the respective permissions, we may collect:

• Geolocation: Continuous or while using the app, to locate nearby tipping opportunities if applicable.
• Mobile device access: Access to device features you permit (such as NFC or camera for QR-code scanning).
• Mobile device data: Device ID, model, manufacturer, operating system/version, carrier, IP address, and application identifiers.

You can manage or revoke these permissions at any time in your device settings.

e) Information Collected Automatically

When you visit or use our Services, we automatically collect technical data for security, operations, analytics, and reporting, such as:

• Log & usage data: IP address, browser type, timestamps, pages/files viewed, searches, user actions, and error/crash logs.
• Device data: Device IDs, hardware model, operating system, ISP, and system configurations.
• Location data: Precise or approximate location based on your device settings.

f) Cookies and Similar Technologies

We use cookies, pixels, and similar tracking tools to run and optimize our website. Please see our Cookie Policy for details on how to manage your preferences.

2. How We Use Your Information

We process your personal information to:

• Create, manage, and authenticate user accounts.
• Deliver the Services, facilitate tipping transactions, and process tip payouts.
• Provide customer support and respond to enquiries.
• Send important service, transaction, or policy updates.
• Enable user-to-user communication where applicable.
• Request feedback and improve our Services.
• Send marketing communications (subject to your preferences; you can opt out at any time).
• Protect our Services from fraud, abuse, and security threats.
• Comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations required by our financial partner, Stripe, and applicable financial regulations.
• Comply with legal obligations, respond to law enforcement requests, and enforce our rights.

3. Legal Bases for Processing

We process your information in compliance with the Swiss Federal Act on Data Protection (FADP) and, where applicable, the General Data Protection Regulation (GDPR), relying on the following legal grounds:

• Consent: You have given us clear consent to process your data for a specific purpose (which you can withdraw at any time).
• Performance of a contract: Processing is necessary to provide the services you requested or to manage your account.
• Legitimate interests: Processing is necessary for our legitimate interests (such as platform security, fraud prevention, improving our services, and marketing) balanced against your rights.
• Legal obligations: Processing is required to comply with applicable Swiss or international laws (e.g., tax, accounting, and anti-money laundering regulations).

4. When We Share Your Information

We may share personal information with trusted third-party service providers who perform operations on our behalf under strict data protection contracts, including:

• Payment and Payout Processors: Stripe.
• Cloud Infrastructure: Hosting and cloud storage providers.
• Data Analytics & Operations: Performance monitoring and analytics tools.
• Customer Support: Service desk and communication tools.

We may also share information in connection with corporate business transfers (e.g., a merger or sale of assets) or with other users if you choose to interact in public or shared areas of the Services. We do not sell your personal information.

5. International Data Transfers

Our company is based in Switzerland. However, we and our service providers (such as Stripe) may process information globally, including in the European Economic Area (EEA), the United Kingdom, and the United States.

Whenever data is transferred outside of Switzerland or the EEA to a country without an adequate level of data protection, we ensure appropriate safeguards are in place—such as concluding the European Commission's Standard Contractual Clauses (SCCs), adapted to cover Swiss law—to protect your personal information.

6. Data Retention

We retain personal information only as long as necessary to fulfil the purposes outlined in this privacy notice, unless a longer retention period is required or permitted by Swiss law (such as statutory tax, financial ledger, and accounting retention requirements, which typically require storing transaction data for up to 10 years).

When data is no longer needed, we will either delete or permanently anonymise it.

7. Data Security

We implement appropriate technical and organisational security measures designed to protect the security of any personal information we process. However, despite our safeguards, no electronic transmission over the Internet or information storage technology can be guaranteed 100% secure. Please ensure you access our Services within a secure environment.

8. Children's Privacy

Our Services are intended for individuals aged 18 and older. We do not knowingly collect data from or market to children under the age of 18. If we learn that we have collected personal data from a minor, we will deactivate the account and take immediate steps to delete the data. If you become aware of any such data collection, please contact us at info@tipgreen.ch.

9. Your Rights

Depending on your location (specifically Switzerland, the EEA, or the UK), you have the following rights regarding your personal data:

• Right of access: Request a copy of the personal information we hold about you.
• Right to rectification: Request that we correct inaccurate or incomplete data.
• Right to erasure ("Right to be forgotten"): Request that we delete your data under certain conditions.
• Right to restrict or object: Object to or restrict the processing of your data (e.g., for direct marketing).
• Right to data portability: Request the transfer of your data to another organization in a structured format.
• Right to withdraw consent: If we rely on your consent to process your data, you can withdraw it at any time.

To exercise your rights, please contact us at info@tipgreen.ch. If you are unsatisfied with how we handle a request, you have the right to lodge a complaint with the competent supervisory authority:

• In Switzerland: The Federal Data Protection and Information Commissioner (FDPIC / EDÖB).
• In the EEA: Your local Member State Data Protection Authority.

10. Do-Not-Track Signals

Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature. There is currently no uniform technical standard for recognizing DNT signals; therefore, we do not currently respond to DNT browser signals.

11. Changes to This Notice

We may update this privacy notice from time to time to reflect changes in our practices or legal requirements. The “Last updated” date at the top indicates the latest version. For material changes, we may provide prominent notice on our website or contact you directly via email.

12. Contact Us

If you have any questions, concerns, or requests regarding this privacy notice or the handling of your data, you can contact us directly:

Baier Clever Consulting GmbH

Drosselstrasse 7

4103 Bottmingen

Switzerland

Email: info@tipgreen.ch

Web Support: https://tipgreen.ch/contact