Privacy Policy
Effective date: June, 2020
At talech, trust is the foundation of our relationship with customers. We understand your desire for privacy and we recognize that you trust us with your personal and financial information. Our online Privacy Policy is designed to describe our practices in a format that is easy to navigate, read and understand. We are dedicated to treating your personal information with care and respect.
This Privacy Policy applies to information gathered by talech Services. The Services include any of our online interfaces to which this policy is posted, for example the website and any applications.
Capitalized words that are not defined in this Privacy Policy will have the meaning defined in the talech Terms of Service.
Information we collect
We collect personal information when you provide it to us and when we receive it through your use of our Services. This includes:
- Information you provide. If you sign up for a talech account or participate in a promotion or incentive program, or request information from us, we may ask for personal information, like your name, email address, telephone number, and certain financial information.
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Information we get from your use of our Services. We may collect personal information about the Services
that you use and how you use them, like when you visit our website and interact with our ads and content.
This information includes:
- Device information. We may collect device-specific information (such as your hardware model, operating system version, unique device identifier, and mobile network information). talech may associate your device identifiers or phone number with other personal information associated with your talech account.
- Log information. When you use our Services or view content provided by talech, your device and browser automatically transmit certain information to us that we store in server logs. This information may include your IP address, device event information such as crashes, system activity, hardware and software settings, browser type, browser language, the date and time of your request and referral URL, cookies that may uniquely identify your browser or your talech account, and other details of how you used our Service.
- Location information. We may collect and process information about your actual location, like GPS signals sent by a mobile device. We may also use various technologies to determine location, such as sensor data from your device that may, for example, provide information on nearby Wi-Fi access points and cell towers. You can manage location preferences on your device.
- Local storage. We may collect and store personal information locally on your device using mechanisms such as browser web storage (including HTML 5) and application data caches.
- Cookies and anonymous identifiers. talech uses cookies and similar technologies. Please see our section on cookies and Third-Party Data Tracking below.
- Information from Other Sources. Information that we collect or receive from Facebook and/or other sites on which you have used the Service in accordance with their terms of use and privacy policies and applicable law.
- Information about end-user customers. If you as a Merchant sign up for a talech account, we may collect personal information about your end-user customers in order to process payments or otherwise provide the Services requested by you. This includes personal information such as your end-user customer’s name, email address, telephone number and certain financial information (“Customer Data”). It is your responsibility as a Merchant to ensure that you have all necessary consents in place to collect, use and transfer this Customer Data to us for use in accordance with this Privacy Policy. For more information about Customer Data and your responsibilities, please see our Terms of Service.
How we use personal information
talech uses personal information for the following general purposes:
- To provide, maintain, and improve the Services and to develop new ones.
- To provide customized content and recommendations.
- To conduct research on how users engage with our services and
- To protect talech and our users. We use personal information to deter and minimize fraud and abuse and to help keep our Services safe.
- To respond to inquiries. We may keep a record of your communication to help solve any issues you might be facing.
- To communicate with you. We may use your email address or mobile number to inform you about our Services, such as letting you know about upcoming promotions, changes or improvements or to market new features or offerings to you.
- To verify your identity; to investigate and prevent fraud or other illegal activities; and for any other purpose disclosed to you in connection with our Ordering Service.
We may, or we may use third-party service providers to, process and store personal information in the United States and other countries.
All data and statistical information collected by talech will be used and analyzed internally to improve our product.
When we share personal information
We do not share personal information with companies, organizations, and individuals outside of talech unless one of the following circumstances apply:
- With your consent. We will share personal information with companies, organizations or individuals outside of talech when we have your consent to do so.
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Administrators. If your talech account is managed for you by an administrator who provides support to your
organization, that administrator will have access to your talech account information (including your email
and other data). Your domain administrator may be able to:
- view statistics regarding your account
- change your account password
- suspend or terminate your account access
- access or retain information stored as part of your account
- receive your account information in order to satisfy applicable law, regulation, legal process or enforceable governmental request
- restrict your ability to delete or edit information or privacy settings
- Affiliates, vendors, and agents. We provide personal information to vendors, contractors, affiliates or other trusted businesses or persons to process it for us or to act on our behalf. These parties are subject to contracts and confidentiality agreements and have no independent rights to use data outside of what this privacy policy allows.
- Marketing/Leads. If you have expressed interest in learning more about our talech services, we may share your contact information with third party partners or distributors for the sole purpose of contacting you about your interest. Such partners or distributors may also inform you about other services that may interest you. If at any time you no longer which to be contacted about learning more about talech or partner/distributor services, email use at support@talech.com.
- Legal process. We will share personal information when we respond to valid subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.
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Other. We will share personal information with companies, organizations or individuals outside of talech if
we have a good-faith belief that we need to do so to:
- enforce applicable Terms of Service, including investigation of potential violations.
- detect, prevent, or otherwise address suspected fraud, security or technical issues.
- protect against harm to the rights, property or safety of talech, our users or the public as required or permitted by law.
We may share aggregated, non-personally identifiable information and de-identified data publicly and with our partners. For example, we may publish data or reports to show trends about the general use of our Services that include aggregated and non-identifiable data.
If talech is involved in a merger, acquisition, or asset sale, we will continue to ensure the confidentiality of any personal information and give affected users notice before personal information is transferred or becomes subject to a different privacy policy.
Cookies
talech uses cookies, web beacons, and similar technologies. These allow us to better understand the usage and traffic pattern of visitors and users on our site and to enable certain functionality on the Ordering Service. While you can manage your cookie settings in your computer or device’s browser, please be aware that certain parts of the Ordering Service may not function properly if your browser is set not to allow cookies.
Note that there is no industry standard for how Do Not Track consumer browser settings should work on commercial websites. talech does not take any action when a browser sends us a DNT (do-not-track) signal.
Third Party Data Tracking
We may allow third parties to serve ads and provide analytics services in connection with the Service. These third parties may use cookies, web beacons, and other technologies to collect information, such as your IP addresses, mobile advertising IDs, device information, your general activity on the Service (but never specifically identifying information like your full name, email address). This information may be used by talech and other companies to analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests, and better understand your usage. This policy does not apply to, and we are not responsible for, third-party cookies, web beacons, or other tracking technologies, and we encourage you to check the privacy policies of these third parties to learn more about their privacy practices. For more information about targeted advertising specifically, or to opt out of having your browser information used for these purposes, please visit www.aboutads.info/choices.
Access, Correction, and Retention
You can directly access, edit, and delete personal information and other content you’ve uploaded as part of your talech account. Some information is required in order to have an account like your name, address, and billing information.
If you need to request correction of information that talech has about you that is no longer accessible to you directly online, you may contact us to make your request at support@talech.com. If your talech account is closed, inactive, or suspended, talech may maintain certain information for record-keeping and analysis purposes. While we retain information for these purposes we may, at our sole discretion, delete it for any reason at any time and are under no obligation to maintain it.
Security
talech takes reasonable measures to protect your personal information in an effort to prevent loss, misuse and unauthorized access, disclosure, alteration, and destruction. We take the following steps to help keep personal information secure:
- We encrypt data transmissions using SSL technology.
- We have reasonable measures in place to protect the physical security of records we store on our premises.
- We restrict access to personal information to talech employees, contractors, and agents who need to know that information in order to process it for us or as part of their job requirements, and who are subject to confidentiality or employment agreements.
talech will never ask you for financial or sensitive information or for your account password in an email or phone call. Please be aware, however, that despite our efforts, no security measures are perfect or impenetrable and no method of data transmission can be guaranteed against any interception or other type of misuse.
International Transfers and Data Storage
The Services are controlled and operated by us from the United States, and are not intended to subject us to the laws or jurisdiction of any country or territory other than that of the United States. We may store and process your personal information in any country where we have facilities or in which we engage service providers, and, by using the Services, you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.
Changes
As our business is growing and changing, we expect that our Privacy Policy may change from time to time. We will post privacy policy changes on our site or notify you by email.
Contact us
If you have any questions contact us at support@talech.com. talech is located at:
145 Forest Ave
Palo Alto, CA 94301
California Privacy Center
Updated: December 2022
talech is dedicated to doing the right thing. The information on this page provides details on how we respond to and implement processes to uphold applicable state laws. The laws on this page give individuals certain rights regarding the personal information that talech or our affiliates have collected from or about them.
The information on this page complements the notices and disclosures regarding your rights under federal laws and regulations (e.g., the Gramm-Leach-Bliley Act). For more information, please visit talech.com/privacy.
TALECH CALIFORNIA PRIVACY NOTICE FOR CALIFORNIA RESIDENTS
Last Updated: December 2022
This Privacy Notice for California Residents (this “Notice”) applies solely to residents of the State of California (“consumers” or “you”) and supplements the information contained in any other Privacy Statement or Notice provided by talech and its affiliates (collectively, “talech” “our” or “we”). Please note that some of our affiliates may provide a separate privacy notice, in which case that notice will apply to your personal information. We adopt this Notice to comply with the California Consumer Privacy Act of 2018 and, as amended, the California Privacy Rights Act of 2020 (together, “CPRA”). This Notice describes how talech collects, uses, and discloses information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household (“personal information”). This Notice applies to personal information we collect online and offline, such as when you apply for our products or services, use our websites or applications, respond to surveys, contact customer support, when you visit our offices or attend a talech event, or otherwise interact with us (collectively, “Services”). The information on this page complements the notices and disclosures regarding your rights under federal laws and regulations (e.g., the Gramm-Leach-Bliley Act). For more information, please visit https://www.talech.com/privacy.
The rights contained in this Notice may not apply in certain situations depending on your relationship with talech and talech’s other legal obligations, and as otherwise provided for in the CPRA, and the GLBA exemption contained therein. We may, from time to time, make changes to this Notice. If we do make changes to the Notice, we will let you know by posting the revised Notice with a new “Last Updated” date posted at the top of the Notice. Any changes to this Notice will become effective when posted unless indicated otherwise. We encourage you to review this Notice regularly to stay informed about our information practices and the choices available to you.
CONTENTS
CATEGORIES OF PERSONAL INFORMATION WE COLLECT
We may collect the following categories of personal information when you engage our Services:
- Identifiers — A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, signature or other similar identifiers
- Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) — A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number and ATM card number, or any other financial information, medical information, or health insurance information.
- Sensitive personal information — Social Security number, driver's license, state identification card, or passport number; your account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; racial or ethnic origin, religious beliefs, or union membership; the contents of your mail, email, and text messages unless talech was the intended recipient of the communication; health data; precise geolocation data; biometric information; and sex life or sexual orientation data
- Protected classification characteristics under California or federal law — Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information)
- Commercial information — Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
- Biometric information — Fingerprints, faceprints, voiceprints and behavioral patterns
- Internet or other electronic network activity information — Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement
- Geolocation data — Physical location or movements
- Audio and visual Information — Audio, electronic, or similar information we capture through your communications with us, e.g., voice recordings of telephone conversations, emails and instant messaging, and security images if you visit our offices
- Employment information — Current or past job history
- Inferences drawn from other personal information — Inferences drawn from any of the information identified above to create a profile about you reflecting preferences, characteristics, attitudes and or similar trends
WHERE WE COLLECT YOUR PERSONAL INFORMATION
We will collect the personal information described above from one or more of the following sources:
- Directly from you or your company when you provide this information to us, when you request information, apply for products or services from us, use our websites or applications, respond to surveys, contact customer support, when you visit our ATMs, branches or offices or attend a talech event, or otherwise interact with us
- From our affiliates, co-owners, partners and other related parties
- From other online and offline sources, such as public databases, social media platforms, and other third parties
- Vendors who provide services on our behalf
USE OF PERSONAL INFORMATION
We may use or disclose personal information that we collect for one or more of the following business purposes to, among other things:
- Provide you with, or evaluate your eligibility for, products and services that you or your company request from us.
- Communicate with you about your accounts or transactions with us.
- Send you important information regarding our products and services, changes to this Notice and/or other similar administrative information.
- Enter into transactions and conduct business dealings with our business partners, service providers and contractors.
- Allow you to participate in surveys, sweepstakes, contests and similar promotions, and to administer such promotions (note that these promotions may contain additional disclosures regarding our collection and/or use of your information).
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Consistent with local law, required disclosures, and choices and controls that may be available to you:
- Send you offers and promotions for our products and services, or products and services that may be of interest to you.
- Personalize content and experiences on our Services.
- Verify your identity and/or location (or the identity or location of your authorized representative) for security, fraud prevention and other risk control purposes; and
- Provide you with advertising based on your activity on our Services and on third-party websites and applications. For additional information regarding our use of your information for personalization and tracking.
- Optimize or improve our products and services.
- Help to ensure security and integrity. Detect, investigate, and prevent activities that may violate our policies or be illegal.
- Report to credit bureaus
- Comply with our legal and regulatory obligations.
- Enforce our terms and conditions and otherwise protect our rights and operations.
DISCLOSURE OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE
We may disclose your personal information for a business purpose to the following categories of parties:
- Affiliates.
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Service providers and contractors who help manage, develop, and analyze our business and/or deliver services
to us and our clients, such as.
- Professional services organizations, such as auditors and law firms
- Our business partners
- Online advertising services and networks
- Internet service providers
- Data analytics providers
- Operating systems and platforms
- Social networks
- Data brokers
- Agencies and organizations working to prevent fraud in financial services; or
- Law enforcement, regulatory and other governmental agencies.
RETENTION PERIOD
We store personal information for as long as necessary to carry out the purposes for which we originally collected it and for other legitimate business purposes, including to meet our legal, regulatory, or other compliance obligations.
SHARING OR SELLING YOUR PERSONAL INFORMATION
We do not sell personal information to third parties without your prior consent and at your direction. We also do not share your personal information with third parties for cross-context behavioral advertising. For this reason, we do not offer a right to opt-out of sale or sharing.
USE OF SENSITIVE PERSONAL INFORMATION
Under the CPRA, we collect the types of sensitive personal information described in the Categories of Personal Information We Collect section above. talech only collects and uses sensitive personal information for certain limited purposes, such as providing services and products to consumers, detecting data security incidents and protecting against fraud (“Limited Purposes”). Because talech uses this sensitive personal information for Limited Purposes, there is no need for us to provide a Limit Use and Disclosure of Sensitive Personal Information right under the CPRA.
Summary of Prior 12-Month Personal Information Handling Practices
We provide in the chart below a summary of our prior 12-month personal and sensitive information handling practices. You can learn more about the information we collect at or before the point of collection above in the Categories of Personal Information We Collect, Where We Collect Your Personal Information, Use of Personal Information, and Disclosure of Personal Information for a Business Purpose sections.
| Categories of Personal Information | Sources | Business or Commercial Purpose of Processing and Disclosure and Recipients of Personal Information |
|---|---|---|
|
Identifiers, such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, signature or other similar identifiers |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)), such as a name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Sensitive personal information, such as social security, driver's license, state identification card, or passport number; your account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; racial or ethnic origin, religious beliefs, or union membership; the contents of a your mail, email, and text messages unless talech was the intended recipient of the communication; genetic data; health data; precise geolocation data; biometric information; and sex life or sexual orientation data |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Protected classification characteristics under California or federal law, such as age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information) |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Commercial information, such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Biometric information, such as fingerprints, faceprints, voiceprints and behavioral patterns |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Internet or other electronic network activity information, such as browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Geolocation data, such as physical location or movements |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Audio and visual information, such as audio, electronic or similar information such as call recordings |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Employment information, such as current or past job history |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
|
Inferences drawn from other personal information, such as inferences drawn from any of the information identified above to create a profile about you reflecting preferences, characteristics, attitudes and or similar trends |
You From other online and offline sources, such as public databases, social media platforms and other third parties Vendors who provide services on our behalf Our affiliates |
Sold for Monetary Consideration
Shared for Cross-Context Behavioral Advertising
Service Providers and Contractors
Purpose of Processing
|
YOUR RIGHTS AND CHOICES - Please note the following right is effective January 1, 2023.
This section describes your CPRA rights and explains how to exercise those rights:
Right To Know
You have the right, subject to certain exceptions defined in the CPRA and other applicable laws and regulations, to request that talech disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- The business or commercial purpose for collecting, selling, or sharing the personal information.
- The categories of third parties with whom we disclose that personal information.
- The categories of personal information that each recipient received.
- The specific pieces of personal information we collected about you.
You have the right to receive this information in a format, to the extent technically feasible, that is portable, usable, and allows you to transmit the personal information to a person without impediment, where the processing is carried out by automated means.
Right to Request Deletion
You have the right, subject to certain exceptions defined in the CPRA and other applicable laws and regulations, to request that talech delete any of your personal information that we collected from you and retained. Once we receive and confirm your verifiable consumer request we will delete (and direct the recipients of your personal information to delete) your personal information from our records.
Right to Correct Your Personal Information:
You have the right, subject to certain exceptions defined in the CPRA and other applicable laws and regulations, to submit a request to correct any inaccurate personal information that we may have about you. To correct your information, please email support@talech.com.
EXERCISING YOUR RIGHTS
To exercise the rights described above, please submit a verifiable consumer request to us through the following method:
-
To request the details of the personal information that talech has about you and to request access, to that
information please email talechdatarequests@usbank.com.
Please include the following information in the request:
- First Name
- Last Name
- Street Address
- City
- State
- Postal Code
- Phone Number
- Merchant Identification Number
- Once received, talech must use reasonable methods to verify the identity of the requestor before responding. If we cannot verify the requestor, we will either deny the request or ask for additional identifying information. talech will respond within 45 days of the request unless additional time is required.
You may only make a verifiable consumer request for access twice within a 12-month period.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will generally verify your identity by asking you to provide personal information related to your recent interactions with us. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Requests by Authorized Agents
You may exercise your privacy rights through an authorized agent. If we receive your request from an authorized agent, we may ask for evidence that you have provided such agent with a power of attorney or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf.
Nondiscrimination
You have the right not to be discriminated against for exercising any of your privacy rights. This includes us not: (a) denying you goods or services; (b) charging you different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties; (c) providing you a different level or quality of goods or services; (d) suggesting to you that you will receive a different price or rate for goods or services or a different level or quality of goods or services; and (e) retaliating against you for exercising your privacy rights.
ANNUAL REPORT
The 2021 CCPA Annual Report graph outlines the number of requests to know, delete or opt out, the business has received, complied with and denied.
CONTACT INFORMATION
If you have any questions or comments about this Notice or our privacy practices generally, we encourage you to contact our customer service department by emailing support@talech.com.
