USER AGREEMENTS

 

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PRIVACY

What does TipGenie do with personal information?

We may use your personal information to:

·    provide the services and customer support you request;
·    process transactions and send notices about your transactions or your network activity;
·    resolve disputes, collect fees, and troubleshoot problems;
·    prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement through the use of our risk and fraud tools which may include use of Account Information, Identification Information, Financial Information, Device Information, Social Web Information and Geolocation Information;

·    create an account connection between your TipGenie account and a third-party account or platform;
·    customize, personalize, measure, and improve our services and the content and layout of our website;
·    send you updates about new products and services that we are offering to customers;
·    compare information for accuracy and verify it with third parties;
·    perform other duties as required by law; and

What information is shared?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Payment method

  • Payment history or transaction history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons TipGenie chooses to share; and whether you can limit this sharing.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes— information about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

Reasons we can share your personal information

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Do we share? Yes
Can you limit this sharing? No

For our marketing purposes—to offer our products and services to you
Do we share? Yes
Can you limit this sharing? No

For joint marketing with other financial companies
Do we share?
Yes
Can you limit this sharing? No

For our affiliates’ everyday business purposes—information about your transactions and experiences
Do we share? Yes
Can you limit this sharing? No

For our affiliates’ everyday business purposes—
information about your creditworthiness
No - We don’t share

For our affiliates to market to you
No - We don’t share

For nonaffiliates to market to you
No - We don’t share

How does TipGenie protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does TipGenie collect my personal information?
We collect your personal information, for example, when you

  • use TipGenie to send a tip

  • link your credit or debit card

  • use ApplePay

Definitions

Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates with which we share personal information include service providers that perform services or functions on our behalf.

Joint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial companies.


SECURITY

Security is one of the biggest considerations in payments. TipGenie has chosen Stripe for its highest level of security.  We provide below detailed technical information below to ensure you that guest payment information and the tip payments to TipGenie is secure & protected.

What is Stripe?  Stripe is a US company that enables businesses to accept payments over the Internet. It operates in 25 countries and powers 100,000+ businesses. Stripe ranks #2 after PayPal on the number of websites using it as their payment processor. Stripe is used by Lyft to collect and send tips to drivers.  A growing number of companies are in the on-demand economy including Task Rabbit and Instacart.  We use Stripe because it manages the complexity of payment processing, enabling TipGenie to focus on our product and customers.

How are tips processed?  When we accept payments, we do so in a PCI compliant manner. The simplest way to be PCI compliant is to never see (or have access to) card data at all. The information entered by the user is encrypted and not seen or stored by TipGenie. Stripe uses encryption and handles, on TipGenie’s behalf, issues dealing with compliance, disputed, at risk fraudulent charges.

How does Stripe maintain compliance?  Stripe has been audited by a PCI-certified auditor and is certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry. To accomplish this, Stripe makes use of best-in-class security tools and practices to maintain a high level of security. Stripe regularly audits the details of our implementation: the certificates they serve, the certificate authorities they use, and the ciphers they support. Stripe uses HSTS to ensure browsers interact with Stripe only over HTTPS. 

What can you tell me about encryption and compliance?  Because all sensitive information is handled by Stripe.js, it features simple PCI compliance with SAQ A reporting. Stripe.js also provides a single interface for Apple PayGoogle Pay, and the Payment Request API; integrating once against Stripe.js is the same as integrating against each individually.

How is information stored and encrypted? All card numbers are encrypted on disk with AES-256. Decryption keys are stored on separate machines. Stripe’s infrastructure for storing, decrypting, and transmitting card numbers runs in separate hosting infrastructure, and doesn’t share any credentials with Stripe’s primary services (API, website, etc.).  


TRANSACTION FEES

How much are the fees for sending a tip and who pays them?

As of August 20, 2019, transaction fees are set at 2.9% + $.30 for Stripe. TipGenie adds a fee that that the business agrees to in implementing TipGenie’s services.. Fees are passed to the guest who can choose at the time of transaction whether to add the fees or deduct from tip.  

Who handles tip disputes?

Disputes, refunds and chargebacks are handled by TipGenie.