Legal & Compliance

Building trust through transparency and clear standards.

JoyTap Limited

IMPORTANT NOTICE

PLEASE READ THIS STATEMENT CAREFULLY BEFORE USING JOYTAP.COM (THIS "WEBSITE"). YOUR USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS OF SERVICE ("TERMS"). IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THIS WEBSITE.

1. Acceptance of Terms

By accessing this website, you are agreeing to be bound by these website Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

2. Modifications

JoyTap Limited reserves the right to modify these Terms of Use without notice and any modifications are effective when they are posted here. JoyTap may, at any time, in its discretion terminate your access to this website. Your access to the website may be monitored by JoyTap Limited. If you are accessing this website as a representative of an organization, these Terms of Use bind both you individually and the organization and references to "you" and "your" shall be construed to apply to you individually and the organization you represent.

3. Access to Website

As a condition of your use of this website, you will not use the website or the website information for any purpose that is unlawful or prohibited by these Terms of Use. You will not use this website in any manner that could damage, disable, overload or impair the operation of this website or use by third parties.

4. Intellectual Property Rights

While JoyTap Limited maintains copyright protection in all materials, information and publications (collectively, "Website Information") it places on this website, JoyTap Limited consents to normal downloading, copying and distribution of the information for non-commercial purposes by you or within your organization only. In consideration of this consent, you agree that copies of the Website Information will retain all copyright and other proprietary notices and that you will not modify the Website Information in any way. Except where your use constitutes "fair use" under copyright law, you may not otherwise use, download, upload, copy, print, display, perform, reproduce, publish, or distribute any Website Information, in whole or in part, without the prior written consent of JoyTap Limited.

5. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on JoyTap Limited's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

1. modify or copy the materials;

2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

3. attempt to decompile or reverse engineer any software contained on JoyTap Limited's website;

4. remove any copyright or other proprietary notations from the materials; or

5. transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by JoyTap Limited at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

6. Restricted Information

Certain restricted product information is available on this website only to licensed customers of JoyTap Limited that are registered to receive and/or access information via passwords issued by JoyTap Limited. This restricted information is considered confidential and proprietary information of JoyTap Limited.

If you are a registered customer or a representative of a registered customer, JoyTap Limited authorizes you to download, copy, distribute and use the restricted information for yourself or, if applicable, only within the customer organization, and only for the intended purposes authorized by JoyTap Limited. Issuance of a registration password is conditioned on the customer's use of the information in accordance with the terms of its license or service agreement with JoyTap Limited.

You shall not transfer your password to unauthorized parties. You will immediately notify JoyTap Limited of any unauthorized use of your password. You are responsible for use of your password. You will not attempt to gain unauthorized access to any website information or area within this website.

7. Third-Party Content

Certain information available on this website is provided by other parties, particularly information about such other parties. You understand that all such information, data, text, software, music, sound, photographs, graphics, video, messages, or other materials, are the sole responsibility of the originating party and that JoyTap Limited has no responsibility for such content and does not guarantee the accuracy, integrity or quality of such content. In no event is the inclusion of a statement about another party, a reference to such other party or a Web link to another party's website an endorsement of such other party, their products or their services.

8. Linking Policy

You may link to the JoyTap Limited home page, but are not authorized to link to any other page on the JoyTap Limited website without the prior express written consent of JoyTap Limited, provided that JoyTap Limited reserves the right to withdraw this consent at any time in its discretion. You may not use any of JoyTap Limited's proprietary logos, marks, or other distinctive graphics, video, or audio material in your links. You may not link in any manner reasonably likely to:

1. imply affiliation with or endorsement or sponsorship by JoyTap Limited;

2. cause confusion, mistake, or deception;

3. dilute JoyTap Limited's trademarks, service marks or trade names; or

4. otherwise violate applicable law.

9. Service Availability

JoyTap Limited makes no representations or promises to develop, provide or market any software, service or product discussed on this website, and you shall not rely on the information provided or the prospect of availability of any software, service or product currently in development or currently anticipated to be made available in the future.

Website information may refer to products, programs or services that are not available in your country. Consult your JoyTap Limited representative for information about the products, programs and services that may be available to you.

Any software that is available for download from this website is the copyrighted property of JoyTap Limited and/or its suppliers and affiliates. Any use or reproduction of any such software and warranties as to such software, if any, are governed by the terms of the license agreement applicable to that software. Any use of any other product or service and warranties as to such product or service purchased by you using, or in connection with, this website, if any, is governed by the terms of the agreement applicable to that product or service.

10. Disclaimer of Warranties

THIS WEBSITE AND ALL WEBSITE INFORMATION IS PROVIDED "AS IS" AND WITHOUT WARRANTY OR CONDITION OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING THOSE REGARDING THE ACCURACY OR COMPLETENESS OF THE INFORMATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND THOSE ARISING FROM A COURSE OF DEALING, USAGE OR TRADE PRACTICE. IT IS UP TO YOU TO TAKE PRECAUTIONS TO ENSURE THAT WHATEVER YOU SELECT FOR YOUR USE IS FREE OF SUCH ITEMS AS VIRUSES, WORMS, TROJAN HORSES AND OTHER ITEMS OF A DESTRUCTIVE NATURE.

11. Limitation of Liability

IN NO EVENT WILL ANY MEMBER OF JoyTap Limited BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA, LOST REVENUE OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF, THIS SITE OR ANY SITE LINKED TO JOYTAP.COM. WITHOUT LIMITING THE FOREGOING, NO MEMBER OF JoyTap Limited SHALL BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OF THIS WEBSITE OR ANY WEBSITE INFORMATION WHETHER ARISING UNDER CONTRACT, NEGLIGENCE, TORT OR ANY OTHER LAW OR CAUSE OF ACTION. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY. ACCORDINGLY, SOME OF THE ABOVE MAY NOT APPLY TO YOU.

12. Indemnification

You agree to release, defend, indemnify and hold JoyTap Limited harmless from and against any and all claims, liabilities, damages, losses or expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of this website or any website information.

13. Export Controls

You agree not to import, export, re-export, or transfer, directly or indirectly, any part of this website or any website information provided on or pursuant to this website except in full compliance with all United States, foreign and other applicable laws and regulations.

14. Governing Law and Severability

These Terms of Use shall be governed by and construed in accordance with the laws of the jurisdiction in which JoyTap Limited is incorporated, without regard to its conflict of law provisions. If any provision of these Terms of Use are found to be unlawful or unenforceable in any respect, the court shall reform such provision so as to render it enforceable (or, if it is not possible to reform such provision so as to make it enforceable, then delete such provision). As so reformed or modified, the court shall fully enforce these Terms of Use.

15. Contact Information

For questions about these Terms of Service, please contact:

JoyTap Limited

Business Department

Email: [email protected]

See JoyTap Limited's Privacy Policy for information relating to the collection and use of information through this website.

Last updated: December 3, 2025

© 2025 JoyTap Limited. All rights reserved.

JoyTap Limited

Last Updated: January 15, 2025

Important Notice: This Privacy Policy explains how JoyTap Limited ("JoyTap," "we," "us," or "our") collects, uses, discloses, and safeguards personal information when we provide comprehensive risk management services to merchants. Please read this policy carefully to understand our practices regarding your personal data.

1. Introduction

JoyTap Limited (a company registered under the laws of [Jurisdiction], with registered address at [Company Address]) is committed to protecting personal information. This Privacy Policy applies to personal information processed by JoyTap as a data processor when providing comprehensive risk management services to merchants.

JoyTap provides a suite of risk management services including:

• Pre-Chargeback Tools: Real-time transaction risk assessment and fraud detection

• Post-Transaction Risk Control: Monitoring and analysis of transaction risks after completion

• Chargeback Handling: Management and resolution of chargeback disputes

• Risk Control Technical Support: Technical assistance and consulting for risk management systems

This Privacy Policy should be read in conjunction with our Data Processing Addendum (DPA). In the event of conflict between terms in this Privacy Policy and the DPA, the DPA shall prevail.

Note: Comprehensive information on JoyTap's information security and compliance programs can be found on JoyTap's Security Portal at: https://security.joytap.com/

2. Information We Collect

We process information relating to identified or identifiable natural persons ("personal data"). The categories of information we collect are listed below. This information is collected directly from data subjects, from merchants, from merchant platforms, from our service providers, and/or from publicly available sources.

2.1 Transaction Data

When you engage in transactions with our merchant clients, we may collect various data regarding your activity, which may include personal data, such as:

• Name, email address, physical address, phone number

• Transaction details (items/services purchased, amount, payment method)

• Billing and shipping information

• Device information used for the transaction

• Historical transaction patterns and behavior

Note: We do not collect complete payment card numbers. We may collect tokenized payment information or payment method identifiers.

2.2 Risk Assessment Data

We collect information used for risk assessment and chargeback prevention, including:

• Device fingerprinting data (device model, operating system, unique identifiers)

• IP address and geographic location indicators

• Behavioral biometrics (typing patterns, mouse movements where applicable)

• Transaction velocity and patterns

2.3 Chargeback Handling Data

When handling chargeback disputes, we may collect:

• Chargeback dispute details and related evidence

• Customer-merchant communication records

• Transaction verification and authentication information

• Documentation required by banks and payment processors

2.4 Technical Support Data

When providing risk control technical support, we may process:

• Merchant's existing risk control system configuration information

• Risk rules and strategy data

• System integration and technical architecture information

2.5 Information Collected in the Past 12 Months

The table below summarizes the categories of personal information we have collected in the past 12 months:

Category Examples Collected
Identifiers Name, email, address, phone number, IP address Yes
Commercial Information Transaction history, purchasing patterns Yes
Financial Information Payment method, transaction amounts Yes (limited)
Internet/Network Activity Device information, browsing patterns Yes
Geolocation Data Approximate location based on IP address Yes
Professional/Employment Information Business contact information Yes
Sensitive Personal Information Government IDs (in specific high-risk scenarios) Limited circumstances

3. How We Use Your Information

We collect and use information for our legitimate interests and for business and commercial purposes in accordance with the practices described in this Privacy Policy.

3.1 Business Purposes

Our business purposes include:

• Providing pre-chargeback risk detection and prevention services

• Implementing post-transaction risk monitoring and control

• Processing and managing chargeback dispute resolution

• Providing risk control technical support and consulting services

• Developing and optimizing risk management systems and algorithms

• Complying with anti-fraud and financial regulatory requirements

3.2 Legal Bases for Processing (GDPR)

For individuals in the European Economic Area, United Kingdom, and Switzerland, our legal bases for processing personal data include:

• Legitimate Interests: Processing necessary for our legitimate business interests in providing risk management services

• Contractual Necessity: Processing necessary for the performance of a contract with our merchant clients

• Legal Obligation: Processing necessary to comply with legal requirements (e.g., anti-fraud regulations)

• Consent: Processing based on consent where obtained through merchant platforms

4. How We Share Your Information

We may share the information we collect with others in the following circumstances:

4.1 With Service Providers

We use service providers to assist us in providing our comprehensive risk management services. We share limited elements of personal data strictly necessary for them to provide their services.

4.2 With Merchants

We may share risk assessment results and relevant information with merchants for the purpose of providing our services or responding to requests related to your exercise of data rights.

4.3 With Financial Institutions and Payment Networks

When handling chargeback disputes, we may share information with:

• Issuing banks and acquiring banks

• Payment card networks (Visa, Mastercard, etc.)

• Payment processors and gateways

• Arbitration and mediation service providers

4.4 Categories of Third Parties with Whom We Share Information

In the past 12 months, we have shared personal information with the following categories of third parties:

Category of Third Party Purpose of Sharing Categories of Personal Information Shared
Service Providers Assisting with service provision, data verification Identifiers, Commercial Information, Internet Activity
Merchants Risk assessment and prevention services Identifiers, Commercial Information (limited)
Financial Institutions Payment processing, chargeback handling Identifiers, Commercial Information
Legal and Government Authorities When required by law As required by specific request

Liability in Cases of Onward Transfers: We remain liable if we transfer personal data to a third party that processes such personal data in a manner inconsistent with this Privacy Policy, unless we can show that we are not responsible for the event giving rise to the damage.