1. Introduction

This Privacy Policy describes how Utopia Solutions (Pty) Ltd t/a Tokenℤ Loyalty Club (TLC) (“we,” “our,” or “us”) collects, uses, stores, and protects personal information of our members, merchants, and visitors when they access or use our website at https://tokenz.club or our related services.

We are committed to protecting your privacy and ensuring that your personal information is processed lawfully, transparently, and securely, in compliance with the Protection of Personal Information Act, 4 of 2013 (POPIA) and other applicable South African laws.

2. Who We Are

We operate under:
Utopia Solutions (Pty) Ltd t/a Tokenℤ Loyalty Club (TLC)
Email: info@tokenz.club

Registered in South Africa (Reg. No. 2025/478296/07)

3. Personal Information We Collect

3.1 Members

We collect:

• Full name
• Contact details (email, phone)
• Billing and delivery address
• Banking details (for payouts or refunds)
• Wallet and Tokenℤ transaction data

3.2 Merchants

We collect:

• Business name and registration details
• Business address
• Banking details (for payouts)
• Representative’s name and contact details
• Sales and rebate transaction information

3.3 Visitors

We collect limited data through cookies, including:

• IP address
• Referral links (for sponsor tracking)
• Browser session data (for login and security)

4. How We Collect Data

• Through online forms on our website and merchant dashboard
• Through your wallet and transaction activity
• Automatically via browser cookies and referral links
• Through our payment provider (Payfast) during checkout

5. How We Use Your Information

We use your information to:

1. Process membership subscriptions and merchant payments
2. Manage Tokenℤ wallets, rebates, and payouts
3. Maintain your account and provide customer support
4. Verify compliance with TLC membership and merchant rules
5. Prevent fraud, abuse, or misuse of the network
6. Comply with AML and other applicable laws

We do not use your data for unsolicited marketing or analytics.

6. Lawful Basis for Processing

We process your data on the following lawful grounds under POPIA:

• Consent: When you register or provide information voluntarily.
• Contractual necessity: To deliver products, services, and wallet functions.
• Legal obligation: To comply with AML and financial reporting laws.
• Legitimate interest: To improve and protect our platform and network.

7. Data Sharing

We only share data where necessary and lawful:

• With Payfast, our secure payment processor.
• With law enforcement or regulators if required by law.
• We do not sell, rent, or trade your personal data to any third party.

8. Cookies

We use cookies only to:

• Track referral links for sponsor relationships
• Maintain secure login sessions
• Enable account and wallet functionality

You may disable cookies in your browser, but this may limit some functionality.

9. Data Retention

We retain personal data for up to one year after membership cancellation, after which all personally identifiable data is deleted or anonymized.

Transactional records may be retained for compliance with financial laws.

10. Your Rights

Under POPIA, you have the right to:

• Access your personal data
• Correct or update inaccurate information
• Request deletion of your personal data
• Withdraw consent (where applicable)

You may exercise these rights by contacting info@tokenz.club.

We will verify your identity before processing such requests.

11. Data Security

We use appropriate technical and organizational measures to protect personal data from unauthorized access, loss, or misuse.

Wallet passwords and user credentials are encrypted and not shared between profile and wallet systems.

12. Cross-Border Transfers

Currently, all data is stored and processed on cloud-based servers located within the United States of America.

13. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect data from minors.

14. Updates to This Policy

We may update this policy from time to time. The latest version will always be available at https://tokenz.club/privacy.

15. Contact Information

If you have any questions, requests, or complaints regarding this Privacy Policy or our data practices, contact:

Utopia Solutions (Pty) Ltd t/a Tokenℤ Loyalty Club (TLC)