This Privacy Policy describes how we collect and use data about
individuals. In this Privacy Policy, "we", "our", and "us" refers
to tmam Payment Service Provider and "you" refers to the natural
person visiting our website or using the Services provided by
tmam. "Personal Data" means data that identifies or could
reasonably be used to identify you; other capitalized terms used
in this Privacy Policy have the meaning provided below in Section
8. This Privacy Policy describes tmam’s use of Personal Data that
you provide to us. If you have any questions, please contact us.
1. Data That tmam Collects
General. We collect Usage Data when you use the Services or
our website. Collection of specific Usage Data depends on the
manner in which you engage with our website and the Services. For
example, we collect Usage Data when you visit our website (such as
the IP address or browser type) or provide Personal Data to us
through our website (such as providing us your name, email
address, or phone number).
Visiting Our Websites. We collect Usage Data when you visit
our website through the use of cookies or web beacons (also called
pixel tags), through your browser, or through other web
technologies. This Usage Data may include how much time you spend
on particular pages, your preferences or selections on our
website, or other data related to your interaction with our
websites. Usage Data collected through our website helps us
understand your preferences and improve our Services. You may
limit our collection of this Usage Data through your browser
settings, however doing so may affect or limit the features of the
Services available to you. If you do not wish us to collect Usage
Data through your use of our website, delete tmam cookies from
your computer and cease visiting tmam’s website.
Using the Services. Our Services are contracted for by
Companies for use exclusively by Employees. We collect Personal
Data from Employees who control or open the tmam Account for the
Company, and on specific Employees who will be using the Services
(such as collecting the name, email address, or phone number of an
Employee who will be issued a Card). Where you do not provide
Personal Data when required—or where if it is inaccurate,
out-of-date, or unable to be validated—we may prohibit your or
Company’s use of the Services.
2. How We Use Data
Improving Our Website, Products, and Services. We will use
Personal Data and Usage Data to improve usability of our website
and the Services, and to offer other Services we believe may be of
interest to you. We may improve usability of the website and the
Services by analyzing how you interact with our website and the
Services (such as analyzing how you use tools made available to
you or which links you click).
Providing the Services. We will use Personal Data to
provide the Services the Company or its Employees request from us.
This may require us to share Personal Data with third parties to
complete or evaluate the risk of transactions initiated using
products or services we provide. We may also share Personal Data
with Third-Party Service Providers as directed by a Company or
Employees.
Understanding Usage of the Services and Fraud Detection. We
will use Personal Data and Usage Data to understand how Company or
Employees are using the Services, and use this data to improve or
change user experience. Usage Data may include location or mobile
data used to service legitimate transactions, to detect
potentially fraudulent or unauthorized transactions, or for
internal reporting or analysis.
Reporting, Analyzing Performance, and Auditing. We or
Third-Party Service Providers acting on our behalf will use
Personal Data and Usage Data for reporting, analyzing performance,
and performing audits that may be limited to specific Personal
Data or Usage Data, or that may be aggregated. This may be done by
using Personal Data or Usage Data on its own or in combination
with Third-Party Data.
3. Sharing Data
We share Personal Data with Third-Party Service Providers or as
requested by a Company or its Employees. We also share Personal
Data with regulators, law enforcement, financial services
providers, or other authorized third parties as required by law.
We may reasonably transform Personal Data into De-identified Data
by anonymizing it or by aggregating or combining it with other
data to mask its relation to particular individuals. De-Identified
Data is no longer Personal Data and we may use De-Identified Data
and share it publicly or with third parties without your
permission.
We may add or change how or when we use affiliates or third
parties to process Personal Data without notifying you, except
that any use of Personal Data will be consistent with this Privacy
Policy.
4. Consent
Your use of the Services or the website constitutes your consent
to the uses of Personal Data described in this Privacy Policy. If
you wish to revoke your consent, please do not visit our website
and delete any cookies you may have on your devices and cease all
use of the Services. Employee Personal Data provided by a Company
or its Employees will be maintained by tmam consistent with our
practices and as required by law or the agreements we maintain
with third-party service providers. tmam, its affiliates, and its
service providers may retain Personal Data to comply with
governmental reporting obligations and other legal or regulatory
requirements.
5. International Users and Personal Data Export
Our Services are operated from and directed toward Companies in
the United Arab Emirates, for exclusive use by Employees. Any
Personal Data we collect may be transferred to, processed, used,
handled, and stored in the United Arab Emirates or other countries
through our service providers. Personal Data protection laws in
the United Arab Emirates may differ from those of the country you
are located in and your Personal Data may be subject government
requests, court orders, or law enforcement according to United
Arab Emirates law.
By using the Services or visiting our website, you are consenting
to the transfer, processing, use of, handling, and storage of
Personal Data in the United Arab Emirates and as described in this
Privacy Policy and in other agreements between tmam and you.
6. Other Important Information About Data Usage
Security. We use organizational, technical, and
administrative measures to protect Personal Data and Usage Data;
however, no data security program is entirely secure. Please
contact us immediately if you believe that your Personal Data,
Usage Data or any other data provided to us is not secure or has
been lost or stolen.
Advertising. We may use third parties to send
advertisements on our behalf. These third parties may have access
to limited Personal Data for the purposes of acting on our behalf
but will not advertise unaffiliated products or services to you.
They may also use cookies or similar tracking technologies to
identify you through your browser usage. While you may disable
some of these through blocking cookies in your browser, you may
still be provided advertising as part of a broader marketing
campaign. If you wish to not receive advertising emails from us,
please contact us.
Changes to this Privacy Policy. We may change this Privacy
Policy at any time by posting an updated version to our website.
If we have an existing relationship with you or if you are an
Employee, we may provide you or Company notices through our
website or your tmam Account; or provide notices directly to you
using contact information provided to us. If we do not have an
existing relationship with you—for instance, if you only visit our
website—any notices we provide will be posted to our website. Any
privacy notices we provide to you are effective 24 hours after we
post them publicly or provide them to you.
External Links. The website may contain links to other
websites on the Internet that are owned and operated by third
parties (the “External Sites”). These links are provided solely as
a convenience to you and not as an endorsement by tmam of the
contents of or reliability on such External Sites. You acknowledge
that tmam is not responsible for the availability of, or the
information and content of any External Site. You should contact
the site administrator or webmaster for those External Sites if
you have any concerns regarding such links or the content located
on such external Sites. If you decide to access linked third-party
websites, you do so at your own risk. tmam does not accept
liability and shall not be liable to you for any loss or damage
arising from or as a result of your acting upon the content of
another website to which you may link from the Website Services.
7. Contacting Us
If you have any questions about how tmam uses Personal Data or
Usage Data, please contact us at
[email protected] .
8. Defined Terms
tmam Account means the corporate account maintained by Company to
use Services and manage Cards.
Company means a company that applies for the Services, opens a
tmam Account, and that authorizes Users to access and use
Services.
De-Identified Data means data derived from Personal Data that has
been anonymized or aggregated with other data and that can no
longer be used to identify a specific individual.
Employees means the employees, contractors, and agents of a
Company.
Services means the expense and corporate card management services,
Cards and other services provided through your tmam Account.
Third-Party Data means data provided by financial services
providers, identity verification services, data aggregators, or
other Third-Party Service Providers.
Third-Party Services means services provided by Third-Party
Service Provider.
Third-Party Service Provider means an affiliate or other third
party that assists us in providing the Services to you, that
supports our internal operations, or that provides other services
related or connected to, or provided through the Services and a
tmam Account.
Usage Data means information we collect when you visit our website
and use the Services, and may contain Personal Data.
