1. Introduction
Welcome to TucoPay.
TucoPay ("TucoPay," "we," "us," or "our") operates a digital commerce platform that facilitates the sale and delivery of digital products and services, including software applications, digital subscriptions, online educational content, and other digital offerings.
TucoPay operates as a Merchant of Record (MoR) for eligible transactions, acting as the seller of record and managing payment processing, billing, refunds, and related customer service activities.
We are committed to protecting your personal information and respecting your privacy.
This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you visit our websites, purchase products, subscribe to services, contact our support team, or otherwise interact with our services.
By using our services, you acknowledge that you have been provided with this Privacy Policy. Where applicable law requires consent for specific processing activities, we will request it separately.
2. Information We Collect
We may collect the following categories of personal information:
2.1 Personal Identification Information
- Full name
- Email address
- Telephone number
- Billing address
- Country or region of residence
- Other information voluntarily provided during checkout or customer support interactions
2.2 Payment and Transaction Information
When you make a purchase, we may collect or receive:
- Purchase amount and currency
- Products or services purchased
- Transaction identifiers
- Payment method type
- Payment authorization and transaction status
- Billing and subscription information
- Refund and dispute history
- Limited payment card information, such as the card brand, expiration date, and last four digits
Payment card information is processed through payment service providers. We do not require customers to disclose their complete payment card details through customer support channels.
2.3 Technical and Usage Information
We may automatically collect certain information when you access our websites or checkout pages, including:
- IP address
- Browser type and version
- Device type and operating system
- Device and browser identifiers
- Referring website or advertising source
- Pages visited and interactions with our services
- Date and time of access
- Cookies and similar technologies
2.4 Customer Support Information
When you contact us, we may collect:
- Email correspondence
- Support requests
- Information regarding purchases or subscriptions
- Refund requests
- Dispute-related communications
- Information voluntarily provided to resolve an issue
3. How We Use Your Information
We process personal information for the following purposes:
Transaction Processing: To authorize payments, process purchases, issue receipts, manage transactions, and deliver purchased products or services.
Subscription Management: To administer recurring payments, subscription renewals, cancellations, billing notifications, and related services.
Customer Support: To respond to inquiries, assist with product access, resolve billing issues, and process refund requests.
Fraud Prevention and Security: To identify potentially fraudulent transactions, detect suspicious behavior, protect customers, and prevent unauthorized use of payment methods.
Chargeback and Dispute Management: To investigate payment disputes, respond to chargebacks, process fraud alerts, and maintain relevant transaction documentation.
Regulatory and Legal Compliance: To comply with applicable laws, tax requirements, payment network rules, and lawful requests from competent authorities.
Service Improvement: To monitor performance, investigate technical issues, improve checkout experiences, and maintain the reliability of our services.
Communications: To send transactional emails, payment confirmations, subscription notifications, security alerts, and important service announcements.
Where permitted by applicable law, and subject to required consent or opt-out rights, we may also use contact information for relevant marketing communications.
4. Legal Bases for Processing
Where applicable data protection laws require a legal basis, including the European Union General Data Protection Regulation (GDPR) and the UK GDPR, we process personal information based on one or more of the following:
- Contractual Necessity: To process purchases, provide digital products, manage subscriptions, and fulfill contractual obligations.
- Legal Obligations: To comply with tax, accounting, regulatory, and other legal requirements.
- Legitimate Interests: To protect against fraud, maintain platform security, manage payment disputes, improve services, and operate our business, provided these interests are not overridden by applicable individual rights.
- Consent: For certain marketing activities, optional cookies, or other processing activities requiring permission.
You may withdraw consent where processing depends on consent, without affecting the lawfulness of processing performed before withdrawal.
5. Payment Processing and Financial Security
TucoPay works with third-party payment processors, acquiring banks, payment networks, and financial service providers to process transactions securely.
Depending on the transaction, these providers may process information necessary to:
- Authorize and settle payments
- Verify payment methods
- Detect and prevent fraudulent activity
- Process refunds
- Manage disputes and chargebacks
- Comply with financial and regulatory obligations
We use appropriate security measures and work with payment providers that maintain security controls relevant to their services.
Sensitive payment card data is handled through secure payment processing systems. We do not use complete payment card numbers or card security codes for marketing or customer profiling.
6. Fraud Prevention and Chargeback Management
Protecting our customers and maintaining a secure payment environment are important priorities.
We may use fraud detection systems, transaction monitoring tools, and payment network alert services, including Ethoca and Verifi, to identify suspicious transactions and address potential disputes.
These measures may involve the analysis of:
- Transaction history and patterns
- IP addresses and device information
- Payment authorization outcomes
- Billing information
- Fraud notifications
- Dispute and refund history
Where supported by our payment partners, early fraud and dispute alerts may allow us to investigate transactions and initiate eligible refunds before a formal chargeback occurs.
Automated systems may assist with risk assessments and transaction screening. Where applicable law provides rights concerning solely automated decisions with significant effects, customers may exercise those rights as described in this policy.
7. Sharing Your Personal Information
We do not sell personal information to third parties for monetary compensation.
We may share personal information with the following categories of recipients when reasonably necessary:
7.1 Payment and Financial Service Providers
Payment processors, acquiring banks, payment networks, fraud prevention providers, and other financial partners involved in transaction processing and security.
7.2 Digital Product Providers
We may share relevant purchase and customer information with providers responsible for delivering, activating, or supporting digital products purchased through TucoPay.
This information may include your name, email address, purchased product, subscription status, and information necessary to fulfill the purchase.
Digital product providers may have their own privacy policies covering their independent processing activities.
7.3 Technology and Infrastructure Providers
Cloud hosting providers, email delivery platforms, analytics services, customer support systems, and infrastructure partners supporting our operations.
7.4 Legal and Regulatory Authorities
We may disclose information when required by applicable law, valid legal process, or lawful regulatory requests.
7.5 Corporate Transactions
If TucoPay undergoes a merger, acquisition, restructuring, investment transaction, or sale of business assets, personal information may be transferred as part of that transaction, subject to applicable privacy obligations.
We require service providers acting on our behalf to handle personal information under appropriate confidentiality, security, and contractual protections.
8. International Data Transfers
TucoPay serves customers across multiple countries and regions, including the United States, Canada, the United Kingdom, and the European Union.
As a result, personal information may be processed or stored outside your country of residence, including in the United States.
Where required by applicable law, we implement appropriate safeguards for international transfers, which may include approved contractual mechanisms, adequacy arrangements, or other legally recognized protections.
9. Cookies and Tracking Technologies
Our websites and checkout pages may use cookies and similar technologies for purposes such as:
- Maintaining essential website functionality
- Supporting secure checkout sessions
- Preventing fraud and abuse
- Remembering user preferences
- Understanding website performance
- Measuring advertising effectiveness
Where applicable, we may use analytics and advertising technologies that help us understand how customers reach and interact with our services.
We will request consent before placing non-essential cookies or using similar technologies where required by applicable law.
You may manage cookies through your browser settings and, where available, our cookie preference controls.
Disabling certain cookies may affect website or checkout functionality.
10. Subscription and Recurring Payment Information
Certain digital products and services offered through TucoPay may involve recurring subscriptions.
For these transactions, we may retain information necessary to:
- Process scheduled subscription payments
- Maintain subscription records
- Send renewal and billing notifications
- Manage payment failures and retries
- Process subscription cancellations
- Prevent duplicate or unauthorized charges
- Handle refunds and disputes
Customers may contact TucoPay to request assistance with subscription management, billing questions, or cancellation.
Subscription terms, including price, billing frequency, and applicable cancellation conditions, are disclosed in connection with the purchase.
11. Data Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including:
- Processing and documenting transactions
- Maintaining active subscriptions
- Providing customer support
- Resolving refunds and disputes
- Preventing fraud
- Complying with accounting, tax, legal, and regulatory obligations
Retention periods may vary depending on the type of information, applicable legal requirements, contractual obligations, and payment network rules.
When personal information is no longer required, we take reasonable steps to delete, anonymize, or securely dispose of it, unless further retention is legally required or permitted.
12. Data Security
We implement reasonable technical, administrative, and organizational safeguards designed to protect personal information against unauthorized access, loss, alteration, misuse, or disclosure.
These safeguards may include:
- Encryption of information in transit
- Access restrictions and authentication controls
- Secure payment processing integrations
- Monitoring and logging of relevant system activity
- Security reviews and software maintenance
- Internal access controls based on operational responsibilities
No electronic transmission or storage system can be guaranteed to be completely secure.
If you believe your information or payment details have been compromised, please contact us promptly.
13. Your Privacy Rights
Depending on your location and applicable privacy laws, you may have the right to:
- Request access to personal information held about you
- Request correction of inaccurate or incomplete information
- Request deletion of eligible personal information
- Request a portable copy of certain personal information
- Object to or restrict certain processing activities
- Withdraw consent where processing relies on consent
- Opt out of certain marketing communications
- Exercise applicable rights relating to automated decision-making
- Submit a complaint to the relevant data protection authority
Certain requests may be subject to exceptions, including where we must retain transaction records to comply with legal obligations, prevent fraud, or establish, exercise, or defend legal claims.
To exercise your rights, contact:
We may request reasonable verification of your identity before processing a privacy-related request.
We will respond within the timelines required by applicable law.
14. Additional Rights for Certain US Residents
Residents of certain US states, including California, may have additional rights under applicable privacy laws.
These may include the right to know what personal information is collected, request deletion or correction, obtain information about disclosures, and opt out of certain uses of personal information.
We do not sell personal information for monetary compensation. However, some advertising and analytics practices may qualify as "sharing," "sales," or targeted advertising under applicable state laws, even when no money is exchanged.
Where such activities occur, we will provide the disclosures and opt-out mechanisms required by applicable law.
We will not unlawfully discriminate against consumers for exercising their privacy rights.
15. Children's Privacy
TucoPay's payment and commerce services are not directed toward children under the age of 13.
We do not knowingly collect personal information directly from children under 13 without any consent required by applicable law.
If we become aware that we have collected personal information from a child in violation of applicable law, we will take appropriate steps to delete or otherwise lawfully handle that information.
Parents or legal guardians who believe a child has provided personal information may contact us.
16. Third-Party Websites and Digital Products
Products purchased through TucoPay may be delivered through independently operated websites, applications, or digital platforms.
These third parties may collect or process information under their own privacy policies.
TucoPay's Privacy Policy governs personal information processed by TucoPay in connection with its commerce and payment-related activities.
It does not automatically govern the independent data processing practices of third-party digital product providers.
We encourage customers to review the privacy policies of the products and services they use.
17. Refunds and Customer Support
TucoPay is committed to providing accessible and responsive assistance with payment-related matters.
Customers who need assistance with a purchase, subscription, billing issue, or refund may contact us directly.
- contact@tucopay.com
Our support team will review requests and assist customers according to the applicable refund policy, transaction circumstances, and relevant legal obligations.
Information provided during these interactions may be used to verify transactions, process refunds, resolve customer requests, and maintain appropriate support records.
Customers can review our separate Refund Policy for additional information about refund eligibility and procedures.
18. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our operations, technology, legal requirements, or data processing practices.
When changes are made, we will update the "Last Updated" date at the beginning of this policy.
Where required by applicable law, we will provide additional notice or request consent before implementing material changes.
We encourage customers to review this Privacy Policy periodically.
19. Contact Information
If you have questions, concerns, or requests regarding this Privacy Policy or the processing of your personal information, please contact:
TucoPay
- Website
- https://tucopay.com
- contact@tucopay.com
- Legal Entity
- TucoPay, LLC
- Registered Business Address
- North 7th Street 5227 Phoenix, AZ, 85014 US
For privacy-related requests, please use the subject line "Privacy Request" to help us direct your inquiry appropriately.