Terms and conditions

Disclaimer: only original English version is valid. Version in another languages are presented here for your reference.
Tipz Tech LLC, hereinafter referred to as “Processor”, provides IT software for third party individuals or legal persons, who, by using the Service, accepts the terms and conditions of the Service (hereinafter referred to as “Agreement”), stated below: 


Definitions:

Service — a web based application or software, access to which is provided through a website https://tipz.ge/, that allows the Sender to make money transfers with a card, and the Recipient to receive the transferred amount from sender (excluding fees) to the banking account specified by recipient on the Service. 
Sender — a capable natural person who, by using the Service, transfers funds in favor of the recipient to the banking account in a non-cash manner in accordance with the legislation of Georgia and this agreement, has accepted this Agreement and Privacy Policy
Recipient — a capable natural person who, by using the Service, intends to receive a transfer to the banking account in a non-cash manner in accordance with the legislation of Georgia and this agreement, has passed the registration procedure for the Service and has accepted this Agreement and Privacy Policy
Bank - a commercial bank, authorized to process payments requested by the Sender on the website https://tipz.ge and make Transfers based on the Sender's instructions to the Recipient's banking account.
Parties – The Processor, the Sender, the Recipient jointly or separately referred to as Parties 
Card - a non-cash payment instrument, which is an electronic means of payment, intended for the cardholder to perform operations in accordance with the agreement concluded between the issuing bank and the cardholder.
Transfer – a set of operations done by the Service and a Bank in order to send the money to the Recipient’s banking account on the basis of the Sender's instructions.
Privacy Policy – privacy and personal data processing policy, located on https://tipz.ge/policy
Subject of the Agreement
The Processor provides access to the Service for the Sender to create a Transfer request and for Recipient to receive a Transfer.
The Processor receives a Transfer request from Sender trough the Service and sends the Transfer request to a Bank. The Bank has the right, but not the obligation to comply with the Transfer request.
The Bank’s decision to execute the Transfer request is not governed by this Agreement and do not incur any obligations to the Parties and (or) the Bank.
The Bank charges the banking fee per each Transfer, according to Bank’s tariff plans, which are not governed by this Agreement.
The Processor charges the service fee per each Transfer.
Relations between the Recipient and the Sender, which are not directly related to making Transfers using the software product, are not governed by this Agreement and do not incur any obligations to the Parties and (or) the Bank.
The main principle of making Transfers under this Agreement is their voluntariness. Coercion of any party is not allowed.
The Sender and the Recipient can only use the Service in accordance with the purposes and limits provided in the Agreement and the legislation of Georgia


Rights and Obligations of the Parties
The Parties are obliged to read and accept this Agreement and the Privacy Policy in full before using the Service:
The Sender accepts the Agreement and the Privacy Policy once clicking on a payment button, either Apple Pay or with Card, placed on a website https://q.tipz.ge/... 
The Recipient accepts the Agreement and the Privacy Policy once registering on the Service.
Any Party has the right to cancel previous acceptance of the Agreement and (or) the Privacy Policy by notifying the Processor about this decision by email at info@tipz.ge. Once the acceptance of the Agreement is cancelled by the Party, the usage of the Service is prohibited until the Party accepts the Agreement again.
The Processor is obliged to:
Provide the Sender and the Recipient with the access to the Service.
Send the Transfer request from the Sender to the Bank.
The Processor has the right to terminate relations with the Parties and suspend the provision of the services to the Recipient and (or) the Sender without any liabilities from the Processor in cases listed below:
improper usage of the service by the Parties, violating the terms of the Agreement;
if, from the point of view of the processor, the cause of significant losses to the Processor arises;
If, from the point of view of the processor, circumstances arise that do not depend on the parties and that can, cause significant losses to the processor;
if a Bank notifies the Processor that the Bank can not execute the Sender’s request for Transfer, based on any reason specified or not specified by the Bank;
if the processor receives a notification from the Bank at the address of the Recipient and (or) the Sender that the Bank holds information about fraudulent or other illegal activities of the Recipient and (or) the Sender;
The Sender is obliged to:
Read and accept the Agreement and the Privacy Policy in full before using the Service and comply with the Agreement
The Recipient is obliged to:
Read and accept the Agreement and the Privacy Policy in full before using the Service and comply with the Agreement
Transfer of money from a Sender to the Recipient is considered as a gift of money from one natural person to another natural person and, therefore, is exempt from tax (in accordance with the tax code of Georgia).
If, during the year, the Recipient receives the amount of money that the Recipient is obliged to pay a certain tax, or submit relevant documents to the Tax Authority, the Processor is exempt from paying such tax or filing a declaration, and this is only the responsibility of the Recipient.
The rights and obligations of the parties, which are not provided for by the terms of this Agreement or Privacy Policy, shall be determined in accordance with the current legislation of Georgia.

Registration on the Service and the process of usage of the Service 
The Sender accepts the Agreement and the Privacy Policy once clicking on a payment button, either Apple Pay or with Card, placed on a website https://q.tipz.ge/... 
The Recipient accepts the Agreement and the Privacy Policy once registering on the Service.
In order to register on the Service, the Recipient should provide the Processor with the following information (fill in the form on the registration webpage):  
Name
Surname
Mobile phone
Password
Email address
In order to start receive Transfers from the Sender, the Recipient should provide the Processor with the following information (fill in the form on the personal profile page):
Banking account (IBAN)
Banking account’s holder name
Create a payment link in the Service.
The Sender can use the payment link created by the Recipient in order to choose a sum to Transfer to the Recipient. After the Sender chooses the sum of money for the Transfer and accepts the Agreement and Privacy Policy by choosing a payment method, the Sender initiates Transfer.
Once the Sender initiates Transfer request, the Processor receives the Transfer request from the Sender and sends the Transfer request to the Bank. The Bank may decide to execute the Transfer request or not to execute the Transfer request. The decision of the Bank is not governed by this Agreement and does not incur any obligations to Processor and/or the Bank.
If the Bank executes the Transfer request, the Bank charges the commission fee per each transaction, the amount of the commission is not governed by this Agreement and does not incur any obligations to Processor and/or the Bank.
If the Bank executes the Transfer request, the Processor charges the commission fee per each transaction, the amount of the commission fee is 5% per each transactions, but not less than 0,05 GEL.
If the Bank executes the Transfer request, the Recipient will receive the amount sent by the Sender (excluding Bank’s and Processor’s commission fees). The timings for receiving a Transfer on the Recipient account depend on the Bank’s terms, are not governed by this Agreement and do not incur any obligations to Processor and/or the Bank.
After the Sender initiates the Transfer request, it is impossible to cancel the Transfer request, as well as fully or partially return the transferred amount to the Sender's card. 
After the Transfer was executed by the Bank, the cancellation of the transfer can be discussed with the Bank individually by the Sender. The Processor does not take any responsibility to help the Sender with cancellation of the executed Transfer.
In case the Recipient banking account is not valid or incorrectly specified on the personal cabinet page, so that the Bank can not execute the transfer of money to the Recipient’s banking account, the sum is hold by the Processor. 

Settlement of Disputes 
All disputes or disagreements that may arise from or in connection with this agreement, if they cannot be resolved through negotiation, shall be resolved in court using the material and procedural legislation of Georgia.
The total amount of processor liability under this agreement, including penalties (fines, penalties) and/or recoverable losses, for any claim or claim in connection with this agreement or its performance, shall be limited to the amount of the processor's remuneration for the calendar month in which there was a loss, if this loss is documented.

Force Majeure
The Parties shall be released from liability for partial or complete failure to fulfill their obligations hereunder of this is caused by force-majeure circumstances, including: fire, flood, epidemic, taking decisions by the state authorities making it impossible to fulfill the Agreement. The above circumstances shall be extraordinary, unforeseeable and unavoidable, arise after making the Agreement and be beyond the Parties’ control.

Contacts
"Tipz tech" LLC
S / N 422947663
Legal address: Georgia, Ambrolauri Region, Khvanchkara Administrative Unit, Block N001, Plot N047, Namosakhlevi

e-mail: info@tipz.ge
                    
                

Privacy policy

Disclaimer: only original English version is valid. Version in another languages are presented here for your reference.
Tipz Tech LLC (hereinafter referred to as The Processor), has created this Privacy Policy document (hereinafter referred to as Privacy Policy) defines the rules for collection, processing and storage of personal data of the users of tipz web-application (hereinafter referred to as the Service)
Definitions:

Service — a web based application or software, access to which is provided through a website https://tipz.ge/, that allows the Sender to make money transfers with a card, and the Recipient to receive the transferred amount from sender (excluding fees) to the banking account specified by recipient on the Service.
Sender — a capable natural person who, by using the Service, transfers funds in favor of the recipient to the banking account in a non-cash manner in accordance with the legislation of Georgia and this agreement, has accepted this Agreement and Privacy Policy
Recipient — a capable natural person who, by using the Service, intends to receive a transfer to the banking account in a non-cash manner in accordance with the legislation of Georgia and this agreement, has passed the registration procedure for the Service and has accepted this Agreement and Privacy Policy
Bank - a commercial bank, authorized to process payments requested by the Sender on the website https://tipz.ge and make Transfers based on the Sender's instructions to the Recipient's banking account.
Parties – The Processor, the Sender, the Recipient jointly or separately referred to as Parties 
Card - a non-cash payment instrument, which is an electronic means of payment, intended for the cardholder to perform operations in accordance with the agreement concluded between the issuing bank and the cardholder.
Transfer – a set of operations done by the Service and a Bank in order to send the money to the Recipient’s banking account on the basis of the Sender's instructions.
Privacy Policy – privacy and personal data collection, processing and storage policy, located on https://tipz.ge/policy

1. General rules
1.1. This Privacy Policy regulates the purposes, terms and conditions of the Service’s collection, processing and storage of personal information of the Senders and Recipients.
1.2. Once the Recipient create a profile on the Service, the Recipient provides the Processor with his personal data:
1.2.1. Name
1.2.2. Surname
1.2.3. Mobile Telephone Number
1.2.4. Password
1.2.5. email address
Additionally the Recipient can provide the Processor with the: 
1.2.6. banking account number (IBAN)
1.2.7. banking account holder Name and Surname. 
1.2.8. other personal information or documents requested by the Processor, which can include, but are not limited to: date of birth, passport, ID card, personal number, date/dates, issuing authority, etc.
The Processor does not check the correctness of the personal data received (provided) from the Recipient. 
1.3. The Processor has the right to request from the Parties a copy of an identity document or other document containing the name, surname, photo of the Party, as well as other additional information, which, at the discretion of the Processor, will be necessary and sufficient to identify such a Party and exclude the abuse of the right of third parties.
1.4. The Parties are obliged to read and accept the Terms and Conditions of the Service and the Privacy Policy in full before using the Service:
1.4.1. he Sender accepts the Terms and Conditions and the Privacy Policy once clicking on a payment button, either Apple Pay or with Card, placed on a website https://q.tipz.ge/... 
1.4.2. The Recipient accepts the Terms and Conditions and the Privacy Policy once registering on the Service.
1.4.3. Any Party has the right to cancel previous acceptance of the Terms and Conditions and (or) the Privacy Policy by notifying the Processor about this decision by email at info@tipz.ge. Once the acceptance of the Terms and Conditions is cancelled by the Party, the usage of the Service is prohibited until the Party accepts the Terms and Conditions and Privacy Policy again.
1.4.4. By agreeing to this Privacy Policy, the Recipient acknowledges and agrees that the information posted by the Recipient in the Service is reflected in his personal profile, and that such information may be public and accessed by everybody in the internet, may be indexed by search engines on the internet. 
1.5. This privacy policy has been developed and approved in accordance with a number of legislative acts, including but not limited to: "law of Georgia on personal data protection", European Parliament and council regulation 2016 of April 27 (EU) 2016/679
On the protection of natural persons during the processing of personal data and the free exchange of such data, abolishing Directive 95/46 / EC (General Data Protection Regulation).

2. Composition of personal data
2.1. Personal data received by the Processor related to personal data are collected, processed, stored and transmitted in accordance with the personal data protection legislation under the terms of this Privacy Policy.
2.2.1 other data that are not personal data and are necessary for the operation of the application, namely:
2.2.1.1 technical data obtained when accessing the application, including data from mobile and other technical devices, technological interaction with the application (IP address of the host, name of the Party’s operating system, browser type, geographic location, internet service provider, data obtained as a result of accessing the camera, microphone and other similar devices) and further actions of the Party.
2.2.1.2 information obtained automatically when accessing the Service (cookies)
2.2.1.3 data that becomes available to the Processor during the Party’s use of the application, including device type (Smartphone/Tablet/Wear), device name, Guide, OpenUDID, OS version, device model, data from the Party’s address book, timezone, preferred language, list of Party’s-linked profiles of phone Number, Device ID for Vendor, Wi-Fi network name, Wi-Fi access point MAC, , Internet connection type, Apps Flyer UID, etc., Ltd.
3. Terms and purposes of collection and processing of personal data
3.1. The Processor uses the Recipient’s and (or) the Sender’s personal data to ensure the operation of the application.
3.2. The Processor also has the right to process personal data of the Recipient and (or) the Sender in order to promote the goods, works and services of partners.
3.3. The Processor does not transfer to the advertiser any personal data.
3.4. The Processor uses the Party’s  personal information to track how Party interact with the Service’s functionality. Thus, the Processor analyzes the statistics of visits to the application and application usage data in order to optimize their internal structure.
3.5. The Processor uses personal information such as a phone number, emails, name and surname in order to communicate with the Party and send them technical messages, such as password reset request, any other messages, including marketing materials and any messages related to the Service. 
3.6. If personal data is required by the Processor to perform actions that are not mentioned in the Privacy Policy, the Processor asks the Party to give consent to the Processor prior to their use.
3.7. In the personal profile settings, the Party can manage his contact information-it includes the username, mobile phone number, etc., Ltd.
3.8. In accordance with the law, in some situations, the Party also has the right to ask the Processor to delete personal data from the Service or unsubscribe the Party from marketing communications, news and other messages directly sent to the Party.
3.9. The Party can unsubscribe from marketing communications, news and other messages directly sent to the Party or delete Perty’s personal data information by deleting such data from his personal profile on the website or by submitting a request via email info@tipz.ge. 
3.10. The Processor will not disclose the personal information of the Parties to companies, organizations and persons not related to the Processor or the Service. The exceptions are the situations listed below:
3.10.1. The Party has agreed to do so, by providing additional consent to the Processor.
3.10.2. For processing by third parties on behalf of the Processor. The Processor may provide personal data to individuals affiliated with the Processor and the Service, other trusted companies and individuals for processing on behalf of the Processor or the Service. Such processing is carried out in accordance with the Processor’s instructions, privacy policies and other applicable privacy and security requirements. In particular, external companies may provide customer support.
3.10.3 As required by law.
3.11. Cross-border transfer of personal data to the territory of foreign states that ensure adequate protection of the rights of subjects of personal data is carried out in accordance with the law.
3.12. The Processor has the right to provide its partners with personal information that does not allow identification of the Party.
3.13. If the Processor is involved in the process of merger, transformation, purchase and sale of assets, the Processor will continue to ensure the confidentiality of all personal data. The Processor will notify all interested Parties if their personal information is transferred to another organization or regulated by another Privacy Policy.
3.5. The information of a particular Party can be processed outside the country in which he lives. The level of personal data protection and legislative norms in this area may differ in different countries. Regardless of where Party’s data is processed, the Processor uses the same security measures as described in this Privacy Policy.

4. Using Сookies files and intelligence technologies
4.1. The Processor uses cookies and intelligence-like technologies to monitor the activity of Parties on the website and collect certain information.
4.2. Intelligence technologies include scripts for information collection and tracking, and web-application enhancement and analysis.
4.3. A Party who has received a corresponding notification in his browser may refuse to use all cookies files or indicate when they will be sent. In turn, if the party does not agree to the use of cookies and/or rejects (omits) the corresponding notification, he agrees that some part of the functionality of the application may not be available to him.
4.4. The Processor only uses session cookies, which are deleted as soon as the Party closes the browser.
4.5. Sessional cookies are necessary to provide services available to the Party through the application, as well as to enable the Party to use some of the functions of the application. Sessional cookies help authenticate Parties and prevent fraudulent use of Party’s account. Without these cookies, some of the functionality of the application may be inaccessible to the Party.
5. Personal data information protection
5.1. The security of your Personal Information is important to us. When you enter sensitive information (such as credit card number) on our Services, we encrypt that information using secure socket layer technology (SSL).  
5.2. The Processor takes reasonable security measures to protect your personal data to prevent loss, misuse, unauthorized access, disclosure, alteration, and destruction. Please be aware, however, that despite our efforts, no security measures are impenetrable. If you use a password on the Service, you are responsible for keeping it confidential. Do not share it with any other person. If you believe your password has been misused, please notify us immediately.
5.3. Processing of personal data of Georgian citizens is carried out using databases on the territory of Georgia.
6. Editing personal data information (copy/delete/update)
6.1. The Party can update/copy their information from a personal profile if the Party has a personal cabinet on the website of the Service.
6.2. The party can delete any personal information if the Party has a personal profile on the website of the Service. If the Party does not have a personal profile, but wants the Processor to delete any personal data about the Party, the Party should request deletion of the personal data from the Service by sending email request at info@tipz.ge.
7. Storage of personal data

7.1. Some personal data can be deleted by the Party at any time as described above.
7.2. Other data is automatically deleted or anonymized after a certain time.
7.3. Some data, such as information about how often the Party uses the application, is saved by the Processor until the Party deletes his personal profile.
7.4. Some data is kept by the Processor for a longer period of time if it is due to a legitimate and legitimate purpose (e.g. to prevent security, fraud and other illegal activities or to provide financial reporting).
8. Final provisions
8.1. The Processor does not take any responsibility for the actions of third parties who can get access to personal data information of the Parties by using public internet. The Processor recommends that Parties take a responsible approach to the issue of the volume of personal information posted in the Service.
8.2. Privacy Policy does not regulate personal data collection, processing and storage, as well as protection in other companies and third parties that advertise the Service 
8.3. The Processor may change this Privacy Policy from time to time. If we make any changes to this Privacy Policy, we will change the "Last Updated" date below and may notify you by email (sent to the e-mail address specified in your account). We encourage you to review this Privacy Policy whenever you visit the Services to understand how your Personal Information is used.
9. Contacts
"Tipz tech" LLC
S / N 422947663
Legal address: Georgia, Ambrolauri Region, Khvanchkara Administrative Unit, Block N001, Plot N047, Namosakhlevi

e-mail: info@tipz.ge
Last Update:
08.05.2023