Privacy Policy

1. Introduction

Maltivas Corp. ("Trickl," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and web platform (collectively, the "Service").

By using Trickl, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Service.

2. Information We Collect

2.1 Personal Information

When you create an account, we collect:

• Full name
• Email address
• Phone number
• Date of birth
• Mailing address
• Government-issued ID information (for identity verification)
• Social Security Number (last 4 digits, for identity verification)

2.2 Financial Information

To provide our services, we collect and access:

• Bank account information (account and routing numbers)
• Bank account balances
• Transaction history from linked accounts
• Payment card information
• Subscription and recurring payment details

2.3 Automatically Collected Information

When you use our Service, we automatically collect:

• Device information (type, operating system, unique identifiers)
• IP address and location data
• App usage data and analytics
• Log data and error reports

3. How We Use Your Information

We use the information we collect to:

• Provide our Service: Link your bank accounts, detect subscriptions, manage your Trickl wallet, and process payments
• Verify your identity: Comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations
• Detect subscriptions: Analyze transaction history to identify recurring payments and subscription services
• Process transactions: Fund your wallet, pay subscriptions, and manage round-up savings
• Send notifications: Alert you about upcoming payments, low balances, and account activity
• Improve our Service: Analyze usage patterns to enhance features and user experience
• Prevent fraud: Monitor for suspicious activity and protect your account
• Communicate with you: Respond to inquiries and send service-related updates

4. Third-Party Services

We partner with trusted third-party services to provide our functionality:

5. Data Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party vendors who help us operate our Service (payment processors, cloud providers, analytics)
• Subscription Providers: With merchants you subscribe to through Trickl, only the information necessary to process payments
• Legal Requirements: When required by law, court order, or government request
• Safety and Fraud Prevention: To protect against fraud, security threats, or illegal activity
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

6. Data Security

We implement robust security measures to protect your information:

• AES-256 encryption for data at rest
• TLS 1.3 encryption for data in transit
• Multi-factor authentication options
• Regular security audits and penetration testing
• SOC 2 Type II compliant infrastructure
• PCI DSS compliance for payment data
• Access controls and employee training

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. We also retain information as necessary to:

• Comply with legal obligations (typically 5-7 years for financial records)
• Resolve disputes and enforce agreements
• Maintain business records

You may request deletion of your account and personal data at any time, subject to legal retention requirements.

8. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Receive your data in a structured, machine-readable format
• Opt-out: Unsubscribe from marketing communications
• Withdraw Consent: Revoke previously given consent

To exercise these rights, contact us at privacy@trickl.app.

9. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information (we do not sell your data)
• Right to non-discrimination for exercising privacy rights

10. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable laws.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: