Privacy Policy

1. Introduction

TipMe ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

2. Information We Collect

We collect the following types of information:

Personal Information:

• Name, email address, and phone number
• Profile photo and biographical information
• Identity verification documents (processed by our partner Stripe Identity)
• Bank account information (routing and account numbers retrieved via Plaid, stored encrypted with AES-256)

Transaction Information:

• Payment amounts and dates
• Payout history and bank transfer records
• Payment method details (processed by Stripe)

Automatically Collected Information:

• Device information (browser type, operating system, device model)
• IP address and approximate location
• Usage data (pages visited, features used)
• Page visit analytics (pages viewed, visit timestamps, session duration)
• Screen resolution and device type (mobile, tablet, desktop)
• Cookies and similar technologies

3. How We Use Your Information

We use your information to:

• Create and manage your TipMe account
• Process tips and payout transactions
• Verify your identity as required by financial regulations
• Send transactional emails (tip notifications, payout confirmations) and SMS messages (phone number verification)
• Prevent fraud and unauthorized transactions
• Improve our platform and user experience
• Analyze usage patterns and platform traffic to improve our services
• Comply with legal obligations

4. How We Share Your Information

We share your information only with:

• Payment processors (Stripe) to process tip and payment transactions
• Banking partners (Plaid, Stripe) to facilitate bank account linking and payouts
• Identity verification (Stripe Identity) to comply with KYC regulations
• Email services (SendGrid) to send transactional notifications
• SMS services (Vonage, Amazon SNS) to send phone number verification codes
• Law enforcement when required by law or to protect rights

We never sell your personal information to third parties for marketing purposes.

5. SMS/Text Messaging

TipMe uses SMS text messaging to send you important account-related communications. By providing your phone number and opting in during registration, you consent to receive text messages from TipMe (Hyperx Inc.) for the following purposes:

• Phone number verification codes
• Account security alerts and login notifications
• Transaction confirmations and payout updates
• Important account-related notifications

Message frequency: Message frequency varies based on your account activity. Typically, you will receive messages only when triggered by an action you take (such as logging in, receiving a tip, or requesting a payout).

Opting out: You may opt out of SMS messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message. You may also contact us at support@tipme-app.com to opt out.

Costs: Message and data rates may apply depending on your mobile carrier and plan. TipMe does not charge for SMS messages, but your carrier may.

Carriers: SMS messages are delivered via Vonage and Amazon SNS. Supported carriers include all major U.S. carriers. TipMe is not responsible for delayed or undelivered messages caused by carrier issues.

Help: For help with SMS messaging, reply HELP to any message or contact us at support@tipme-app.com or call +1 (888) 885-8597.

We do not share your phone number or SMS opt-in consent with third parties for their marketing purposes. Your phone number is used solely for the purposes described above.

6. Plaid and Financial Data

TipMe uses Plaid Inc. ("Plaid") to connect your bank account for receiving payouts. When you link your bank account through TipMe, you acknowledge and agree that:

• Your bank login credentials are transmitted directly to Plaid and are not stored on TipMe servers
• Plaid retrieves your bank account information (such as account and routing numbers) to facilitate payouts. These details are stored on TipMe servers encrypted with AES-256, and only the last 4 digits are ever displayed
• Plaid's use of your data is governed by the Plaid End User Privacy Policy
• By using our bank linking feature, you grant TipMe and Plaid the right to access and transmit your financial information as described in this policy
• You may revoke Plaid's access to your bank account at any time through TipMe account settings or by contacting us at privacy@tipme-app.com

We collect only the minimum financial data necessary to process payouts. We do not sell, rent, or share your financial data with any third party for marketing purposes.

7. Data Security

We implement industry-standard security measures to protect your personal and financial information, including:

• SSL/TLS encryption for all data in transit
• AES-256 encryption for sensitive data at rest
• PCI-compliant payment processing
• Role-based access controls limiting data access to authorized personnel
• Secure authentication with multi-factor verification
• Continuous system monitoring and logging for unauthorized access detection
• Regular security assessments and vulnerability patching

We maintain administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of your personal and financial information in accordance with applicable laws, including the Gramm-Leach-Bliley Act (GLBA) Safeguards Rule where applicable.

8. Data Breach Notification

In the event of a data breach that compromises your personal or financial information, we will:

• Notify affected users within 72 hours of discovering the breach
• Describe the nature of the breach and the types of data involved
• Outline the steps we are taking to address the breach and prevent future occurrences
• Provide guidance on steps you can take to protect yourself
• Report the breach to relevant regulatory authorities as required by applicable law

9. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your account and data
• Object to or restrict certain processing activities
• Data portability (receive your data in a structured format)
• Withdraw consent at any time
• Revoke third-party access to your financial data (including Plaid)

To exercise any of these rights, contact us at privacy@tipme-app.com.

10. Data Retention

We retain your personal data for as long as your account is active. After account deletion, we may retain certain data for up to 7 years as required by financial regulations and tax laws. Financial transaction records may be retained as required by the Bank Secrecy Act and other applicable regulations.

11. Children's Privacy

TipMe is not intended for users under 18 years of age. We do not knowingly collect information from children. If you believe a child has provided us with personal data, please contact us immediately.

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, request deletion, and opt out of any sale of personal information. TipMe does not sell personal information. To exercise your California privacy rights, contact us at privacy@tipme-app.com.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or a notice on our platform. Continued use after changes constitutes acceptance of the revised policy.

14. Contact Us

For privacy-related questions or requests, contact us at:

Email: privacy@tipme-app.com

Hyperx Inc.
2810 N Church St #147904
Wilmington, DE 19802