Our terms of use and policies to ensure the security and integrity of our financial ecosystem
Your TIB Finance account and our payment services are intended solely for legitimate commercial transactions between authentic buyers and sellers. Any exception is prohibited, including fraudulent activities, illicit fund transfers, unauthorized virtual currencies, or any non-compliant stored value credit.
If you are a merchant using our payment services, you must:
Important: TIB Finance payment links must never be included in spam activities or communications.
Help us detect and report violations of this policy by contacting us at [email protected]. Please include a description of the alleged violation and links with screenshots if possible.
This section describes the procedure to follow for filing claims related to copyright infringement.
If you believe that your copyrighted work has been copied in a manner that constitutes copyright infringement and is accessible via TIB Finance, you may notify our copyright agent, in accordance with applicable law. For your complaint to be valid, you must provide the following information:
The above information must be submitted as a written notification to our designated agent:
Legal Department, TIB Finance
42 Avenue des Champs-Élysées, 75008 Paris, France
Email: [email protected]
Please note that under applicable law, if you knowingly make a false statement that online material constitutes an infringement, you may be subject to heavy civil penalties, including damages, court costs, and attorney fees incurred by TIB Finance or by any copyright owner or its licensee who is injured as a result of our reliance on such false statement. You may also be subject to criminal prosecution for perjury.
The General Data Protection Regulation came into effect on May 25, 2018. This regulation replaces the various national regulations and laws that were in place in the European Economic Area (EEA) over the previous two decades. The regulation increases the level of control that EEA citizens and residents have over their personal data in the digital age and presents a more unified environment for international businesses in Europe.
The regulation impacts any company that receives, processes, stores, or transfers personal data of individuals based in the EEA, regardless of its location. Personal data is broadly defined and generally includes information about an individual such as name, email, location, online identifier, IP address, home address, etc., whether in a professional or domestic context. New rights are granted to data subjects regarding stored personal data, including the right to prior notification of how the data will be used, how it will be processed, and when it will be deleted.
TIB Finance has updated its terms and conditions, privacy policy, and cookie usage to comply with GDPR requirements, as well as to ensure that our systems and third-party services are compliant. We continue to ensure that our systems and third-party services remain compliant.
Following the invalidation of the EU-US Privacy Shield by the European Court of Justice in July 2020, TIB Finance uses the EU Standard Contractual Clauses as the basis for compliance regarding data transfers from the EEA to countries, including the United States, that are not recognized as having adequacy status by the EU. TIB Finance is updating data processing agreements with the relevant parties involved in the processing, receipt, and storage of personal data.
We strongly advise merchants who receive the details of buyers based in the EEA to ensure that their own data management practices comply with GDPR, and that other third-party services used in addition to TIB Finance are also compliant.
By registering with TIB Finance, you confirm that you will not use the Service to accept payments related to prohibited businesses, prohibited business activities, or prohibited business practices.
TIB Finance is compliant with the Payment Card Industry Data Security Standards (PCI-DSS) at Level 1, which is the highest level of PCI compliance.
Whenever cardholder payment data is transmitted, processed, or managed through the TIB Finance platform, we assume responsibility for the appropriate security of the data entrusted to us in accordance with PCI-DSS requirements.
Merchants who use TIB Finance-hosted secure order pages benefit from the fact that the primary PCI compliance burden is covered by TIB Finance. Nevertheless, since merchants have access to transaction invoices, they must carefully manage the administration of this data in accordance with applicable privacy legislation and card association rules.
We recommend that merchants take steps to ensure their compliance by taking advantage of the free enrollment with our PCI specialist partner.
Merchants who host their own order pages and use TIB Finance payment APIs are required to be fully PCI-DSS compliant and are responsible for the secure management of all buyer payment data. These merchants are encouraged to simplify their compliance obligations and to protect and secure their business and their customers' data.
Refund policies are determined and implemented by each merchant. If you have a refund, return, or exchange request for an order placed with your merchant, please contact them directly. Each merchant must clearly state their refund policy in their website terms and conditions so that the buyer fully understands these terms before completing their purchase.
Ongoing subscriptions and recurring fees can be canceled at any time. Cancellation will take effect from the next billing period. A cancellation will only cancel future billings.
The TIB Finance dispute resolution system is designed to facilitate polite and friendly communication between merchants and buyers and to help them resolve any issues that may arise.
TIB Finance reserves the right to cancel a transaction in order to comply with credit card industry regulations, payment processor and banking rules, or the need to comply with legal requirements, intellectual property rights, court orders, and law enforcement agencies. Additionally, TIB Finance may cancel transactions that it reasonably considers to be potentially fraudulent, illegal, or in violation of TIB Finance's prohibited items policy or privacy policy.
TIB Finance holds personal information in the course of its business activities. We are committed to protecting the confidentiality and security of this information in accordance with Quebec's Act respecting the protection of personal information in the private sector and other applicable privacy legislation.
In the course of providing our services, we may receive personal information from third parties, including credit agencies such as Equifax and TransUnion. This information may be shared with our clients as part of credit reports and verification services.
TIB Finance discloses personal information only where necessary for the provision of its services, in accordance with the consents obtained and for the purposes indicated at the time of collection. In certain cases provided for by law, TIB Finance may also be required or authorized to disclose certain personal information without the consent of the individual concerned, in particular to legal advisors, to competent authorities, in connection with a legally authorized request, for the recovery of a debt, to prevent or detect fraud, or where such disclosure is necessary for the performance of a mandate or a service contract entrusted to a supplier. In all cases, TIB Finance limits disclosure to the information that is necessary and applies reasonable confidentiality and security measures.
TIB Finance is committed to maintaining accurate and up-to-date personal information. We employ multiple verification methods and update processes to ensure data quality.
Under applicable privacy legislation, you have the following rights regarding your personal information:
Privacy Officer / Responsable de la protection des renseignements personnels
Contact Us
Phone: 1-888-510-0831
Address: 360 Saint-Jacques Street, Suite G101, Montreal, Quebec H2Y 1P5
TIB Finance implements comprehensive security measures to protect personal information from unauthorized access, disclosure, alteration, or destruction.
TIB Finance retains personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law.
Where appropriate, personal information may be anonymized rather than destroyed for statistical and analytical purposes, in accordance with applicable privacy legislation.