Privacy Policy

Please read these terms of use carefully before using the services, or access the platform.

Chatter Technologies, Inc. ("Chatter," "Company," "we," "us," or "our") is committed to maintaining robust privacy protections for its users. This Privacy Policy ("Policy") explains how we collect, use, disclose, and safeguard your personal information when you access or use our website, mobile applications, chat integrations (including WhatsApp and Telegram), and related services (collectively, the "Service").

By using the Service, you agree to the terms of this Privacy Policy and our Terms of Use. If you do not agree, please discontinue use of the Service.

Company Information

Chatter Technologies, Inc.

131 Continental Dr, Suite 305

City of Newark, County of New Castle

Delaware 19713, USA

Contact: contact@usechatter.app

For privacy-related inquiries, please contact us by email.

Definitions and Scope

Definition

For the purposes of this Privacy Policy:

  • "Site" refers to our website at www.usechatter.app and any associated subdomains.
  • "Service" refers to our chat-enabled commerce and wallet platform through which merchants and customers can interact, transact, and manage payments and loyalty activities.
  • "Merchants" are users who create stores, list products or services, receive payments, and manage loyalty programs.
  • "Customers" are users who purchase products or services through merchant storefronts or chat interactions.
  • Both Merchants and Customers are collectively referred to as "Users."

This Policy applies to all information collected through our Service, including activity on our website, mobile applications, or integrated chat platforms (e.g., Telegram, WhatsApp).

Information We Collect

We collect both Personal Information and Non-Personal Information to deliver and improve our Service.

A. Personal Information

Personal Information includes details that identify or can be used to identify an individual. Depending on your use of the Service, we may collect:

  • Name and contact details (email address, business name, store name, physical location).
  • Usernames and profile information from Telegram, WhatsApp, or other connected platforms.
  • IP address and user agent data from browsers and mobile devices (for rate limiting, fraud prevention, and analytics).
  • Wallet data, including generated embedded wallet addresses and related metadata (secured with AES-256 encryption at rest and TLS in transit).
  • Transaction data and loyalty activity (credits earned, redeemed, or used).
  • Subscription details (e.g., billing status, payment frequency, credits usage).
  • Data related to store setup, product/service listings, and merchant configurations.
  • KYC/AML information for users and businesses, collected through our verification partner (e.g., Sumsub) when required by law.

B. Non-Personal Information

This includes anonymous or aggregated data that does not directly identify you, such as:

  • Device type, operating system, and browser information.
  • Session statistics, feature usage, and performance metrics.
  • Referring/exit pages and URLs.
  • General demographic or behavioral data derived from usage.

C. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Maintain session continuity and authentication.
  • Remember user preferences and language settings.
  • Improve load times and service performance.

We use both persistent and session cookies. Persistent cookies remain on your device until you delete them; session cookies expire when you close your browser.

How We Use Information

We use your information to:

  • Provide, operate, and maintain the Service, including embedded wallet generation and transaction processing.
  • Authenticate users and secure access to accounts.
  • Facilitate merchant storefronts, purchases, loyalty programs, and agentic interactions.
  • Communicate with users about account status, support requests, or policy changes.
  • Send product updates, newsletters, and promotional communications (you may opt out anytime).
  • Detect and prevent fraud, abuse, and unauthorized access.
  • Comply with legal obligations, including AML and KYC requirements.
  • Improve our features, analytics, and overall user experience.

How We Share Information

We do not sell or rent your Personal Information. However, we may share information in the following limited circumstances:

A. Service Providers and Partners

We share information with third parties who perform services on our behalf, including:

  • AWS (Amazon Web Services) for hosting and email (AWS SES).
  • WhatsApp Cloud API and Telegram Bot API for messaging interactions initiated by users.
  • Sumsub (or similar verification provider) for identity and business verification where required.
  • Solana blockchain for processing stablecoin (USDC) transactions. (Note: blockchain data is public and immutable; please exercise caution when including personal identifiers on-chain.)

These providers are bound by confidentiality and data-processing agreements consistent with applicable laws.

B. Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

C. Legal Requirements

We may disclose information if required to:

  • Comply with applicable laws, subpoenas, or lawful government requests.
  • Enforce our Terms of Use or investigate potential violations.
  • Prevent fraud, address security issues, or protect the rights and safety of users or the public.

D. Aggregated or Anonymized Data

We may share aggregated, non-identifiable data for analytics, marketing, or research purposes.

Data Storage, Security, and Transfers

We host our infrastructure in the AWS Frankfurt (EU) region. Data may be processed or backed up in other jurisdictions where our service providers operate, subject to appropriate safeguards.

We implement security measures including:

  • AES-256 encryption for data at rest.
  • TLS 1.2+ encryption for data in transit.
  • Firewalls and access control systems.
  • Periodic security reviews and restricted employee access to personal data.

Despite these safeguards, no method of transmission or storage is fully secure. By using our Service, you acknowledge and accept this risk.

Your Rights and Choices

You have the right to:

  • Access, correct, or delete your Personal Information.
  • Withdraw consent for marketing communications.
  • Request data portability or restriction of processing where applicable.

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

You may also unsubscribe from marketing emails by following the "unsubscribe" link in our messages or by adjusting preferences in your account Settings.

For Nigerian users, you may also exercise rights under the Nigeria Data Protection Act (NDPA 2023), including the right to access, rectification, and erasure, by contacting the same address above.

Children's Privacy

Our Service is not directed to children under 13 years of age. We do not knowingly collect personal information from anyone under 13. If we learn that we have inadvertently collected such data, we will promptly delete it.

Changes to This Policy

We may update this Policy periodically. Significant changes will be communicated via email or a notice on our Site at least 30 days prior to implementation. Continued use of the Service after updates constitutes acceptance of the revised Policy.

Contact Us

For questions or concerns about this Privacy Policy or our data practices, please contact:

Email: contact@usechatter.app

Address: 131 Continental Dr, Suite 305, Newark, DE 19713, USA

Last updated: October 25, 2025 | Version 1.0

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131 Continental Dr, Suite 305

DE 19713, USA

Chatter is a product of Chatter Technologies, Inc. Payments and financial services are subject to regulatory approvals and availability in your region. All trademarks belong to their respective owners.