Privacy Policy

2.1 Information We Collect

We collect the following categories of information. To the extent that any information identifies, relates to, or can reasonably be linked to an identifiable individual, it is considered “Personal Information.”

Information You Provide to Us

You may voluntarily provide Personal Information such as your name, email address, phone number, or other contact details when you create an account, use our Services, communicate with us, or request support. If you make payments through the Services, you may also provide payment-related information, preferences, and details about vendors or counterparties involved in the transaction.

Information Collected Automatically

When you access or use the Services, we may automatically collect certain technical and usage data, either directly or through third-party tools, including cookies and similar tracking technologies (see Section 2.5). This information may include:

• IP address and network information

• Device type, operating system, and browser data

• GPS or GNSS location data and inferred home or work locations

• Connectivity data such as Wi-Fi access points, cell towers, or wireless networks

• Usage activity, performance logs, error reports, and diagnostics

This information is generally used in aggregated or non-identifying form to operate, secure, and improve the Services, understand usage patterns, and enhance user experience.

Information from Third Parties

We may receive information about you from third parties, such as marketing partners, analytics providers, or publicly available sources. We may combine this information with data we collect directly to improve our Services, personalize content, or provide offers we believe may be relevant to you. Any combined information is treated in accordance with this Privacy Policy unless otherwise disclosed.

2.2 How We Use Information

We process Personal Information as necessary to provide the Services, comply with legal obligations, and pursue our legitimate business interests, including improving functionality, enhancing security, and optimizing customer support and marketing.

Specifically, we may use Personal Information to:

• Operate, maintain, and provide the Services

• Authenticate users and enable secure access

• Provide customer support and respond to inquiries

• Develop, customize, and improve the Services and user experience

• Send service-related communications, such as account notifications or password recovery messages

• Send marketing or promotional communications, including newsletters, offers, and event information

• Detect, prevent, and mitigate fraud, security incidents, and unlawful activity

• Create aggregated, anonymized, or pseudonymized data for analytics and business insights

• Enforce our Terms of Service and other agreements

• Comply with applicable laws, regulations, and legal processes

2.3 How We Share Information

We may share Personal Information only as described below and only to the extent necessary.

Payors and Payees

In connection with transactions processed through the Services, we may share relevant Personal Information with counterparties to complete and administer the transaction.

t-0 Partners

If you access the Services through a partner’s website or platform, we may share Personal Information with that partner as required to provide the Services.

Service Providers

We work with third-party service providers that support our operations, including identity verification providers (such as Sumsub for KYC/KYB), hosting and infrastructure providers, analytics services, marketing and advertising partners, payment processors, security and fraud prevention vendors, communications providers, and professional advisors. These providers may access Personal Information only to perform services on our behalf and are contractually obligated to protect it.

Business Transfers

If t-0 or its affiliates are involved in a merger, acquisition, reorganization, or sale of assets, Personal Information may be transferred as part of that transaction. If such a transfer materially affects your Personal Information, we will provide notice as required by law.

Legal Obligations

We may disclose Personal Information to government authorities, regulators, or law enforcement when required by law or when we believe in good faith that disclosure is necessary to comply with legal obligations or protect against fraud or illegal activity.

Protection of Rights and Safety

We may share information where necessary to protect the rights, property, or safety of t-0, our users, or others.

With Your Consent

We may share Personal Information with third parties when you provide explicit consent.

2.4 Data Location, Retention, and Security

Your Personal Information may be processed and stored in the United States and other jurisdictions where t-0, its affiliates, or service providers operate. Regardless of location, we apply appropriate safeguards to protect Personal Information in accordance with this Policy and industry standards.

We retain Personal Information for as long as necessary to provide the Services, fulfill the purposes outlined in this Policy, comply with legal obligations, resolve disputes, enforce agreements, and pursue legitimate business interests. Some information may be retained in backup systems or archives where deletion is not immediately feasible.

We implement administrative, technical, and physical security measures designed to protect Personal Information, including encryption in transit using SSL/TLS. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

2.5 Cookies and Tracking Technologies

Session Trackers

We use cookies and similar technologies to enable functionality, personalize user experience, analyze usage, and improve performance. You may control cookie preferences through your browser settings, but disabling cookies may limit access to certain features.

Web Beacons and Similar Technologies

We may use web beacons, clear GIFs, or similar tools to measure engagement, track email effectiveness, and improve content relevance.

2.6 Managing Communication Preferences

You may opt out of marketing emails at any time by following the unsubscribe instructions included in those communications or by contacting us. Opt-out requests may take up to ten (10) business days to process.

You may also disable push notifications through your device settings if you no longer wish to receive them.

2.7 Accessing, Updating, and Correcting Information

Registered Users

Registered users may access, update, or correct their account information by logging into their account.

Information Provided by Customers About Third Parties

If we process Personal Information about individuals on behalf of our customers (such as payees), requests to access, correct, or delete such information should be directed to the relevant customer. We will assist as required by law.

2.8 Third-Party Websites and Services

This Privacy Policy applies only to t-0’s Services. We are not responsible for the privacy practices of third-party websites, applications, or services, which are governed by their own privacy policies.

2.9 Do Not Track Signals

“Do Not Track” (DNT) is a browser setting that signals preferences regarding tracking. At this time, we do not respond to DNT signals.

2.10 Children Under 13

The Services are not intended for children under the age of 13. We do not knowingly collect Personal Information from children under 13. If we become aware that such information has been collected, we will take steps to delete it promptly.

2.11 California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA/CPRA). These include the right to know, correct, delete, and opt out of the sale or sharing of your Personal Information, as well as the right to non-discrimination.

We do not sell Personal Information and do not knowingly sell or share Personal Information of individuals under 16. We may share information for cross-contextual advertising and analytics purposes as permitted by law.

Detailed descriptions of categories of information collected, purposes of use, and categories of third parties are provided above. You may exercise your rights by contacting us as described in Section 2.14.

2.12 Other U.S. State Privacy Rights

Residents of certain U.S. states (including Colorado, Connecticut, Utah, and Virginia) may have additional privacy rights under applicable law, such as the right to access, correct, delete, or obtain a copy of their Personal Information, and to appeal denied requests.

We will verify your identity before processing such requests and may limit responses as permitted by law.

2.13 Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your Personal Information, please contact us:

By mail:
3088, 701 Tillery Street, Unit 12
Austin, TX 78702
United States

By email:
support@t-0.network

2.14 Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on the Website with an updated “Last updated” date. Material changes will be communicated via email, the Website, or the Services prior to taking effect. Continued use of the Services after such changes constitutes acceptance of the revised Policy.