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⚠️ Scheduled Maintenance on June 04 · 6:00–9:00 AM UTC — Airtm will be temporarily unavailable. Don't worry, your funds are safe with us.
LAST UPDATE: June 16, 2026
Welcome to Airtm!
This website is operated by Airtm Inc., AirConnect LLC, and its affiliated companies (collectively, and hereafter referred to as “Airtm,” “we,” “us,” or “our”).
1. Terms of Service.
2. Service Providers.
3. Digital Currency. As used throughout these Terms, “Digital Currency” means USDC, the digital dollar issued by Circle Internet Financial, LLC. You acknowledge that Airtm accounts are denominated in USDC and that you have sufficient knowledge and understanding of the function of USDC as a means of payment and, in particular, the manner in which USDC may be held and transferred. You further acknowledge that the value of USDC may fluctuate from time to time. Airtm cannot and will not provide any advice or recommendations to you regarding your use of USDC. Further information on USDC can be viewed in Circle’s White Paper available here.
4. Regulatory. Airtm holds a Money Service Business certification from the United States Financial Crimes Enforcement Network (FinCEN), and our registration number is 31000329787639 (link to register).
AirConnect LLC is a Virtual Asset Service Provider (VASP) registered under No. 82 dated September 20, 2023 in the Registry of Virtual Asset Service Providers of the Argentinian Securities Commission. This registration is for the purpose of control as Obliged Entity before the Financial Information Unit (FIU) and any other regulatory entity empowered for such purpose, within the framework of its competences, and does not imply license or supervision by the Argentinian Securities and Exchange Commission over the activity carried out by the VASP.
5. Eligibility.
6. Risk Disclosures.
You acknowledge that you understand the inherent risks associated with using cryptographic and blockchain-based systems, and that you have a working knowledge of the usage and intricacies of digital assets. You further understand that (1) the markets for these digital assets are highly volatile due to factors including (but not limited to) adoption, speculation, technology, security, changes in regulation and/or legislation (which may adversely affect the use, transfer, exchange and/or value of digital assets), and changes in liquidity (such as (a) whether there is a continued market for the exchange of fiat currency for digital assets, the loss of which could result in the total and permanent loss of the value of a digital asset, and (b) whether a digital asset is or continues to be accepted by one or more digital asset service providers or other persons), (2) extreme price volatility and unpredictability relative to fiat currencies could result in a total loss of the value of any digital asset in a short period of time, and (3) accordingly you should exercise extreme caution with respect to digital assets. You acknowledge that the cost and speed of transacting with cryptographic and blockchain-based systems such as Stellar are variable and may increase dramatically at any time, and that digital assets transactions are generally considered executed only when registered and confirmed by the relevant digital assets platform, which may not necessarily coincide with the moment in which you initiate a transaction. You further acknowledge that any such transaction may be irreversible and therefore losses due to fraudulent or accidental transactions may not be recoverable. You further acknowledge that the nature of digital assets exposes them to risks of fraud and cyber-attack, that the loss or theft of private keys may result in the total loss of access to digital assets with no possibility of recovery, that the networks on which digital assets depend may face interruptions or congestion due to technical problems, cyber-attacks or other factors, and that any technological difficulties experienced by Airtm or Service Providers may mean you may not be able to access Digital Currency. You further acknowledge the risk that your digital assets may lose some or all of their value while they are lent through the applicable protocol. You further acknowledge that we are not responsible for any of these variables or risks, and cannot be held liable for any resulting losses that you experience while accessing or using the Services. Accordingly, you understand and agree to assume full responsibility for all of the risks of accessing and using the Services and interacting with the applicable protocol.
Users in Argentina further acknowledge the following risks: (1) digital assets are not covered by the Ley de Mercado de Capitales No. 26.831 (B.O. 28-12-12, as amended), unless within the definition of marketable securities under Article 2 thereof, and are not within the powers granted to the Comisión Nacional de Valores (“CNV”) by Ley No. 27.739 (B.O. 15-3-24), and that therefore the offer documents or product information provided by their issuer will not have been subject to review or approval by the CNV or other regulatory agency in Argentina (if applicable); and (2) digital assets are not legal tender in Argentina and therefore are not issued or backed by the government or national authorities.
7. The Airtm Services.
We may work with one or more third-party service providers to access this Third-Party Account Information. We will use this information to provide you with the Services you request, for our own internal business purposes and to offer you other products and services that may be of interest to you. By requesting an account link, you authorize us to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. You also agree that you are responsible for keeping any passwords and Usernames you provide to us so we can retrieve this Third-Party Account Information secure, and for keeping those passwords and Usernames up to date in the Services. We do not review the Third-Party Account Information for accuracy, legality, or non-infringement, and we are not responsible for your Third-Party Account Information or products and services offered by or on third-party sites. You acknowledge that any Third-Party Account Information that is displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity. Any transfer between your Account and External Account are governed by the Service Provider Terms. Certain transaction limitations may apply to the External Account transfers.
You may send fiat currency from a third-party account or wallet (“External Account”) and receive funds in your Account through the services offered by Service Providers, Unaffiliated Payment Platforms or other eligible third-party account providers (“Third Party Providers”), as determined by Airtm in its sole discretion (Service Providers and Third Party Providers together “Providers”). Providers may require you to create an account through their respective platforms. Subject to a Provider’s Terms and these Terms, you may, through the Service, exchange the fiat currency deposited in your External Account to Digital Currency (to the extent Digital Currency credited in your Account is collectable and settled) or to convert any Digital Currency deposited in your Account to fiat currency, withdrawing it to your External Account. Subject to any applicable Provider’s Terms and these Terms, you may remit any Digital Currency deposited in your Account to your External Account (provided the Provider holding such account supports transfers in the currency you desire to remit), you may remit any Digital Currency deposited in your Account to another User’s Account or you may remit any Digital Currency deposited in your Account to any digital wallet you link to your Account or otherwise notified to us. s. Your use of the Services constitutes your acceptance of these Terms and the Service Providers’ Terms. When funding your Account, you authorize Providers, us or any of such party’s respective payment processors to debit your External Account and credit your Account according to your instructions as provided by you via our Services (and to the extent funds are not received, returned, reversed, or charged back from your External Account but are made available in your Account, you authorize Providers, us or any of such party’s respective payment processors to debit your End User Account for such funds made available to you). When transferring funds or Digital Currency out of your Account, you also authorize Service Providers to debit your Account and credit your External Account or any other digital wallet or account you provide to us according to your instructions as provided by you via our Services. Transfer times are not guaranteed in any way.
We may not grant a security interest in the Digital Currency in your Account (although we do not represent that it is free of security interests, other liens or encumbrances). Except as required by law, we will not sell, transfer, loan, hypothecate, or otherwise alienate the Digital Currency in your Account unless (i) instructed by you, and (ii) permitted by law.
We do not have custody of your funds up until the point they arrive on our platform, and from the point they leave our platform. At all other times (including as an intermediate step during add and withdrawal activity) they may be held or controlled by Service Providers, for whom Airtm is not responsible, and against whom it is possible neither we nor you will have recourse (including in the event of a Service Provider insolvency).
If you choose to access the Blend Protocol through our platform, the three preceding paragraphs are subject to Annex III (Blend Protocol Access).
Nothing in these provisions shall affect Airtm’s right to set-off funds that you owe to Airtm against funds held in your Account.
8. Charges and Rates. You understand that use of the Services may result in charges to you for the services you receive from Airtm or one of its Service Providers (“Charges”). Any Charges will be displayed before you initiate a service request and if the service request is approved by you, the Charges will be deducted directly from your Account or Linked Account. Any Airtm Charges paid by you are final and non-refundable, unless otherwise determined by Airtm. Airtm reserves the right to establish, remove and/or revise Airtm Charges for specific service requests in its sole discretion. Airtm may from time to time provide certain Users with promotional offers and discounts that may result in different amounts charged for the same or similar service requests, and you agree that such promotional offers and discounts, unless also made available to you, shall have no bearing on your use of the Services or the Airtm Charges applied to you. Service Providers may assess Charges for their services pursuant to Service Provider Terms. Airtm does not determine any Service Provider Charges.
Airtm’s rates are based on a range of factors, including customer demand and the wholesale rates available to Airtm through its banking service providers. This means that our rates are subject to change and may go up or down at any time, or may be withdrawn. Please log-in to your Airtm account to confirm our currently available rates and withdrawal methods.
9. Chargebacks. In addition to the Charges described above, you understand and agree that you are responsible for any fees, costs, expenses, losses, charges and the like (collectively, “Chargebacks”) incurred by Airtm or Service Providers as a result of transactions you initiated and that were reversed, failed, were fraudulent or resulted in errors when processed. You also understand that you may be subject to Chargebacks by Service Providers for transactions you initiated and understand and agree that such Chargebacks by Service Providers are your sole responsibility.
Unless such transfer is otherwise prohibited (i) under the law, including but not limited to applicable sanctions programs, or (ii) by a facially valid subpoena or court order, Airtm will instruct Service Providers to use reasonable effort to transfer the funds in legal tender as soon as possible after receiving such a request; however, each Airtm and Service Providers has the right to hold the funds for such time period, as either such party reasonably determines, is necessary to address any potential Chargebacks or regulatory or legal issue relating to the funds or transactions executed from the User account.
You acknowledge that Airtm may offer access to Unaffiliated Payment Platforms as a deposit method. You understand that regarding these specific methods, Airtm’s ability to dispute or resolve chargebacks or reversals may be limited. Consequently, you agree that any chargeback or reversal initiated through such third-party platforms will be your sole responsibility, and Airtm reserves the right to immediately debit your Account for the full amount plus any associated penalties without prior notice.
10. Promotions Programs. Airtm may run promotional offers and programs from time to time (“Airtm Promotions”). You understand and agree that Airtm may establish, in its absolute discretion, terms and conditions, including eligibility, for Airtm Promotions, and may change or terminate the Airtm Promotions at any time, with or without notice. Your participation in Airtm Promotions is prohibited where void by applicable law or regulation.
11. Additional App Store Terms
12. Suspension, Termination, and Cancellation.
13. General Use, Prohibited Use
14. Dormant Accounts.
15. User Content
16. Customer Feedback, Queries, Complaints, and Dispute Resolution
17. Release, Disclaimers, Limitation on Liability, Indemnity
18. General
Electronic Communication and E-Sign Agreement
1 Electronic Transactions.
You agree to receive electronic Communications (as defined below) from Airtm Inc., and any affiliated companies and our partners, including Service Providers that provide you financial services that may be accessed through the Services (individually and collectively, and hereafter referred to as “Airtm,” “we,” “us,” or “our”) and to transact electronically with Airtm. Airtm is required by law to give you certain information in writing. This means you have the right to receive that information physically, on paper. With your consent, we will send that information to you electronically, instead, in accordance with the federal Electronic Signatures in Global and National Commerce Act (“E-Sign Act”). By consenting to this Electronic Communication and E-Sign Agreement, you consent to receive Communications in electronic form for any Airtm products, services, and accounts that you apply for or obtain, either now or in the future. You also consent to the use of electronic signatures in your relationship with Airtm and to enter into electronic transactions with Airtm. “Communications” includes each disclosure, notice, agreement, Privacy Policy, statement, record, document, and other information that may be required or is otherwise provided during the business relationship between you and Airtm. All capitalized terms not otherwise defined herein shall have the meaning set forth in the Terms of Service.
2 Delivery.
Electronic Communications may be posted on the Airtm website or mobile application and/or delivered to the email address you provided to us. We may also deliver Communications to you in the manner specified in any other agreement we have with you. It is your responsibility to keep current your contact information associated with your account so that we can send you electronic Communications. You can update your email address and other contact information from your account settings or by contacting us at [email protected]. We reserve the right to provide Communications in paper form.
3 Withdrawal of Consent.
You have the right to withdraw your consent to receive electronic Communications. If you withdraw your consent, we may terminate your User Account and related services. To withdraw your consent, please contact us at [email protected].
4 Physical Documentation.
You will have the right to request any Communications covered by this Agreement in physical, paper form. To receive a paper copy of any document that has been previously provided to you, please contact customer service at [email protected]. We will charge you $10 per page for requesting paper documents. Future Communications will continue to be delivered electronically unless you withdraw your consent, as described below. We reserve the right to terminate your relationship if we are unable to support certain requests for paper documents or you withdraw your consent provided hereunder.
5 Minimum System Requirements.
To access electronic Communications, you will need certain browser and encryption software that meet these requirements. Airtm’s system requirements are:
(a) A mobile device running Apple iOS 13.0+ + or Android 5.0+ (Lollipop).
(b) A computer capable of running a modern web browser like, Microsoft Edge, Safari 13 +, Chrome 48 +, or Firefox 68 +
(c) The ability to view and retain Portable Document Format (PDF) files.
(d) The ability to receive text messages to allow for two-factor authentication.
(e) Sufficient storage space to save Communications and the capability to print the Communications from your computer or mobile device.
(f) A current version of a program that accurately reads and displays Portable Document Format or “PDF” files, such as Adobe® Acrobat Reader® version 8.0 and above.
By consenting to this Electronic Communication and E-Sign Agreement (“Agreement”), you confirm that the electronic device you use to access Airtm products or services meets the minimum specifications and requirements outlined above. If a change in these hardware or software requirements creates a substantial risk that you will not be able to access or retain electronic Communications, we will provide you with notice of such change. Continued use of Airtm electronic services after any such notice signifies your acceptance of the change and reaffirmation of your consent.
6 Consent.
You consent to the electronic delivery of all Communications and to transact with Airtm electronically. You are not permitted to access or use the Service without acceptance of this Agreement. You confirm that you have access to an electronic device that satisfies our minimum system requirements, and that you have access to a printer and/or the ability to download information. By consenting to this Agreement, you also agree that we will not be providing to you any future Communications in paper form unless specifically requested by the means defined above. You should retain a copy of this Agreement and all other Communications for your records.
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Annex I to the Terms of Service – Authorized Payments
This Annex I supplements and forms a part of the Terms of Service. Unless otherwise defined herein, capitalized terms used in this Annex will have the same meaning as those given to them in the Airtm’s Terms of Service.
1.1 You may have the option to make Authorized Payments (“Authorized Payments”) on a pre-specified or custom basis using our Services. If you elect to make Authorized Payments, including designating Airtm as a default payment method via the Integrated Enterprise’s services, you authorize Airtm Inc. (“Airtm”) and its Advanced Users or Service Providers, to initiate pre-specified or custom payments using digital assets and fiat balances from its account at the Integrated Enterprise website (“Integrated Enterprise Account”) to the accounts designated by you as a payment method (the “Authorized Accounts”) including any collection of fees and charges, if applicable.
Your authorization will remain effective until you change your pre-specified or custom Authorized Payments settings in your account settings and those changes are processed. Changes in your pre-specified or custom Authorized Payments settings may take 1-3 business days to become effective. You agree to keep your payment method updated in your account as long as you have pre-specified or custom Authorized Payments active or scheduled.
1.2 You agree that payment to the Authorized Accounts may be made by an Airtm Advanced User, as defined in Airtm’s Terms of Service, which are incorporated here by reference.
2.1 Payment shall be processed upon request from (i) you or from (ii) the Integrated Enterprise when you set Airtm as your default payment method; and only when payment exceeds the minimum of 5 USDC. Airtm will (i) interface with Airtm Advanced Users or Service Providers to send payments to the Authorized Accounts and will (ii) debit your Airtm account (or Service Provider Account) upon confirmation from the Airtm Advanced User or Service Provider that the payment has been sent. Airtm will reasonably attempt to execute your custom Authorized Payment in accordance with instructions but transaction times may vary and execution of your custom Authorized Payment is not guaranteed. You acknowledge that the amount of any Digital Asset you send in each pre-specified or custom Authorized Payment will depend on the market price at the time of execution. While we will attempt to fulfill custom Authorized Payment at the prevailing market price at the time the custom Authorized Payment is triggered, there is no guarantee that the transaction will be processed immediately after it is triggered, at any particular price, or at all.
2.2 You are responsible for checking that payment has been correctly processed and received in the Authorized Accounts. Airtm is not responsible for any returns, chargebacks, or other fees charged by Advanced Users, Service Providers or the payment method of your Authorized Account.
2.3 You are responsible for providing all necessary and accurate information related to your identity and the Authorized Accounts. You understand that Airtm may request documents to verify your identity prior to using the services described herein. Airtm does not assume responsibility or liability for delays in service caused by differences in the information and payment data or changes which are not received within the time frames or in the format necessary to properly carry out its responsibilities. You warrant that all data delivered to Airtm (a) will contain true and accurate information, (b) will be fully authorized by you, and (c) will be timely under the terms and provisions of this Agreement. Airtm has no responsibility to check such data in any manner, including accuracy, consistency and conformity to prior Authorized Account data. You shall make periodic checks to assure that the Authorized Account data is current and accurate at all times.
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Annex II to the Terms of Service – Prepaid Card Services
This Annex II supplements and forms a part of the Terms of Service. Unless otherwise defined herein, capitalized terms used in this Annex will have the same meaning as those given to them in the Airtm’s Terms of Service.
With our prepaid card services, you can load a supported prepaid card with funds by making a transfer from your Account, and spend in the same way as a traditional debit card – up to the amount you have loaded onto the prepaid card. Supported prepaid cards may exist in virtual or physical form and are available only to Users in limited jurisdictions. Fees may be charged by Airtm for transfers from your Account that are made to fund a prepaid card.
You are responsible for ensuring you have sufficient funds for all transactions attempted using our supported prepaid cards. Airtm is neither the distributor, program manager, nor the issuer of any of the prepaid cards it supports, and Airtm is not a bank, electronic money institution nor a payment services provider. Airtm connects with Service Providers, including Bridge, in order to support transfers to prepaid cards from your Airtm Account. Applicable terms and conditions of those Service Providers shall govern your use of the prepaid card, including any use criteria and usage restrictions or limits on transactions. Users will be notified of any applicable terms and conditions of Service Providers when signing up for prepaid card services and are advised and encouraged to read such terms and conditions carefully in order to understand their rights and obligations vis-a-vis their relationship with the Service Provider. Whilst Airtm may record and display transactions undertaken by you using prepaid cards, Airtm has no direct connection to the payment network or merchant and we cannot stop a transaction once authorised by you.
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Annex III – Blend Protocol Access
This Annex III supplements and forms a part of the Terms of Service. Unless otherwise defined herein, capitalized terms used in this Annex will have the same meaning as those given to them in the Airtm’s Terms of Service.
Through our platform, Users may access the Blend Protocol, an open-source decentralized lending and liquidity protocol operating on the Stellar blockchain. This integration enables Users to interact with smart contracts of the Blend Protocol for the purpose of supplying Digital Currency, receiving yields, or participating in protocol-driven mechanisms.
Airtm is not the creator, maintainer, operator, or controller of the Blend Protocol or its underlying smart contracts. The Blend Protocol is governed by autonomous smart contracts that operate independently of Airtm. The protocol was developed by third parties and Airtm has no ability to modify, pause, upgrade, or interfere with the Blend Protocol or any transactions executed on it.
All transactions occur directly between the User and the protocol’s smart contracts on a non-custodial, peer-to-contract basis. Airtm does not hold, safeguard, custody, or take possession of any Digital Currency supplied to the Blend Protocol, and does not act as agent, broker, custodian, intermediary, fiduciary, or advisor.
Should you chose to access the Blend Protocol through the Airtm Platform, you represent and warrant that:
You acknowledge and accept that:
Use of any information provided by Airtm (including educational materials, documentation, blog posts, or social media) is at your own risk. Such content does not constitute investment, legal, or tax advice and should not be relied upon as a basis for any financial decision.
Airtm provides only technical connectivity and does not guarantee continued access to the protocol, which may be modified, disrupted, or disabled without notice.
You assume full responsibility for your use of the Blend Protocol and waive any claim against Airtm arising from or related to such use.
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Annex IV to the Terms of Service – Marketplace rules and best practices
Thank you for choosing to be part of the Airtm community!
These rules (“Rules”) are aimed at helping you and our other Users use our Services and be aware of specific rules and best practices applicable to use of our marketplace (as defined below, “Marketplace”). These Rules supplement and form part of our Terms of Service. Accordingly, it is important that you read and familiarize yourself with these Rules prior to using the Marketplace. Capitalized words used in these Rules but not defined here will have the same meaning as those given to them in the Terms of Service.
If you do not agree to any of these terms or any future Rules, do not use or access (or continue to access) the Marketplace.
The Marketplace consists of all peer-to-peer (“P2P”) transactions facilitated through the Airtm platform. Through the Marketplace, Airtm connects Users with Cashiers (as defined below), who together may transact to exchange off-platform funds and USDC, i.e., to add or withdraw USDC to or from their Airtm accounts. Airtm’s role in the Marketplace is limited to (a) operating the Airtm platform, and (b) facilitating a temporary escrow process. Airtm does not facilitate, and is not a counterparty to, the transfer of off-platform funds between Users and Cashiers; all such transfers take place outside the Airtm platform.
As used in these Rules, “Cashiers” means Users fulfilling certain enhanced criteria (as determined and set by Airtm in its discretion) and assigned permissions to act as User counterparties for certain transactions through the Marketplace (including, in certain circumstances, other Users participating in a direct connection (user-to-user) P2P transaction).
Transactions through the Marketplace
Note that we may sometimes initiate a direct connection (user-to-user) P2P transaction on your behalf, rather than making your transaction available for acceptance by Cashiers. This can happen when your add or withdraw request matches another User’s simultaneous withdraw or add request. When this happens, (a) you will transact with a non-Cashier User as though they were a Cashier, in line with these Rules, and (b) the net exchange rate for your transaction is typically better (due to not paying peer commissions to Cashiers).
Transaction Limits
We may at any time impose limits on the amount, frequency, or type of transactions that a User may initiate and/or accept, including (without limitation) applying minimum and/or maximum transaction amounts, daily or periodic transaction caps, or any other restrictions. Any such restrictions may be applied on an individual User basis, to all Users, or to a specific group or groups of Users. That means any restrictions applied to a specific User may differ from those applied to other Users. We may modify any restrictions at any time, with or without prior notice, and may decline any transaction exceeding applicable limits.
Fees and Commissions
Airtm may charge you fees or commissions, including charging you commissions on behalf of Cashiers, on your transactions through the Marketplace. Before you initiate any transaction, we will clearly show you the applicable fees and commissions so you can decide whether to proceed.
Fees and commissions are displayed in (a) a blended “net exchange rate” (comprising the base or gross exchange rate (between USDC and the currency of your chosen external payment method) and applicable fees and commissions), and (b) a breakdown showing the amount and type of each applicable fee and commission. By choosing to initiate a transaction, you agree to the fees and commissions shown at the time and authorize Airtm to deduct them from your account balance or the transaction amount. All fees are final once a transaction is initiated, unless we tell you otherwise.
Airtm may review and update the fees and commissions charged for use of the Marketplace from time to time, or introduce new types of fees. If we make changes, we will reflect them in the transaction details or otherwise make them available before you proceed with initiating a transaction.
Third-Party Transfers
A third-party transfer occurs when a User attempts to send or receive funds using a payment method or account that is not registered under their own name or contact information.
Example: a User tries to withdraw funds from their Account to a bank account belonging to someone else.
To protect all Users, third-party transactions are generally prohibited unless explicitly allowed by Airtm under the specific conditions set out in these Rules.
When are Third-Party Transfers Allowed?
Third-party transfers are only permitted when:
All other third-party transfers – including adds – are strictly prohibited. Engaging in an unauthorized third-party transfer puts your funds and Account at risk.
Recognizing Third-Party Transfer Attempts
Although these Rules are designed to protect Users, you may encounter counterparties through the Marketplace who try to involve third-party accounts in transactions that are not permitted third-party transfers. It is your responsibility to recognize prohibited third-party transfer attempts and to take appropriate action. Be particularly cautious if:
All of the above are likely indicators of an attempt to make a prohibited third-party transfer.
Avoiding Unauthorized Third-Party Transfer Attempts
If you identify any of the warning signs above (or other, similar indicators of a third-party transfer attempt), you should:
Accepting or initiating unauthorized third-party transfers can expose you to serious risks, including: reversal or reimbursement claims; freezing of funds in your bank account or your Account; and permanent loss of funds involved in the transaction.
Always report attempts to make prohibited third-party transfers – we take yours and other Users’ safety very seriously and will penalize Users who engage in unauthorized third-party transfers.
Mediation is the process through which the Airtm Support Team intervenes to help resolve disputes, inconveniences, or conflicts that may arise during a transaction between Users through the Marketplace.
Initiation of Mediation
Mediation may be initiated when:
In such cases, a member of the Airtm Support Team will be assigned to review the transaction, assess the situation, and facilitate resolution through the mediation process.
Mediation Process
The mediation process consists of three stages:
Our Decision
If the Airtm Support Team identifies that (a) one User failed to comply with the transaction requirements, and/or (b) insufficient evidence has been provided to support a claim, Airtm may decide to cancel the transaction and/or take other appropriate actions in accordance with the Terms of Service. In addition, if we determine that a User engaged in fraud or other conduct prohibited by the Terms of Service and/or applicable law, we may take other further actions as permitted by the Terms of Service and/or applicable law. Any decision by the Airtm Support Team is final and binding (unless otherwise required by applicable law), and in no event shall Airtm assume liability or responsibility for steps and decisions taken in applying the mediation process.
Misuse of the Meditation Process
The following conduct constitutes misuse of the mediation process and is not permitted under the Rules:
Use of the Marketplace involves certain inherent risks. The below outlines certain of those risks – you should make sure that you read and understand these and other risks (including the risks set out elsewhere in the Terms of Service) prior to using the Marketplace. By using the Marketplace, you confirm that you understand those risks and agree that you will assume full responsibility for them.
Airtm’s limited role
Airtm’s role in the Marketplace is limited to (a) operating the Airtm platform, and (b) facilitating a temporary escrow process. Since Airtm does not facilitate, and is not involved in, the transfer of external funds during transactions, Airtm does not guarantee the performance, accuracy, legality, or outcome of any User transaction and is not responsible for any delays, non-settlements, reversals, fees, or fraudulent behaviour through (or other loss or liability arising from use of) external payment methods. Additionally, you should be aware that Airtm does not act as a bank or other custodian for off-platform funds you send, receive or hold in connection with transactions through the Marketplace.
Other Users
By using the Marketplace, you are engaging in transactions directly with other Users. Airtm does not guarantee the identity, reliability, solvency or performance of any User you transact with through the Marketplace. If you have a problem with another User during a transaction through the Marketplace (including if you encounter an attempt to make an unauthorized third-party transfer), you should inform the Airtm Support Team as soon as possible (see “Mediation Procedure” above). Use of the mediation process does not guarantee a favorable outcome.
External Payment Methods
When you or other Users you transact with use third-party payment methods to exchange funds during a transaction initiated through the Marketplace, the applicable terms are the terms (if any) of the relevant external payment provider. Airtm does not control, guarantee, or assume any liability or role in the availability and performance of any such external payment system.
Legal risks
You are responsible for ensuring compliance with all laws, regulations, tax and other (including contractual) obligations applicable to your transactions through the Marketplace. Airtm does not provide legal, tax or investment advice.
The guidelines below outline some recommended practices for using the Marketplace and are designed to help you use the Marketplace responsibly and securely, and to help ensure a safe, enjoyable and efficient experience for all Users.
Following the steps suggested below can reduce the need for mediation:
Remember: following these Rules and these guidelines helps protect your funds, your Account, and the overall trust of our Marketplace community. If you believe another User has violated these Rules, contact Airtm Support immediately.
Airtm reserves the right to action under these Terms of Service for violations of the Rules and Marketplace best practices.
Airtm implements quality programs for Cashiers and all Users to maintain marketplace quality and to encourage a secure and transparent environment for Users.
For Cashiers
Airtm continuously monitors Cashier performance across recent transactions, and consistent issues may trigger warnings, recommendations, or account restrictions.
Quality is one of Airtm’s core values, so only those Users who meet the necessary standards and pay attention to our quality program recommendations will be able to accept requests from other Users on the platform. Failure to meet the quality program standards for Cashiers (as determined by Airtm in its discretion) may result in a loss of Cashier status.
Our evaluation factors include (without limitation):
Tips to improve quality:
For Users
We also evaluate Users’ overall activity on an ongoing basis – excessive cancellations, suspicious activity, or breaches of our Terms of Service may result in temporary or permanent account suspension (or other limitations being placed on a User’s account, as we determine in our discretion).
Our evaluation factors include (without limitation):
Tips to improve quality:
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Annex V to the Terms of Service – Tala Services
This Annex V supplements and forms a part of the Terms of Service. Unless otherwise defined herein, capitalized terms used in this Annex will have the same meaning as those given to them in Airtm’s Terms of Service.
1. The Tala Services.
Through the Airtm App, eligible Users in supported territories may access digital currency credit products offered by TALA GUATEMALA, S.A. and its affiliates (“Tala”) (the “Tala Services”). The Tala Services include the origination, disbursement, servicing and collection of USDC denominated loans (“Credit”) made by Tala directly to Users who elect to become Tala customers (“End-Customers”), in each case pursuant to a separate Digital Currency Credit Agreement entered into between you and Tala. Airtm’s role is limited to providing the technical platform, wallet functionality and payment rails necessary to enable the Tala Services within the Airtm App.
2. Airtm is not a lender.
You acknowledge and agree that Airtm is not a lender, does not provide credit, and is not licensed or authorized to provide credit in any jurisdiction. All Credit is extended solely by Tala, at Tala’s discretion, under the Digital Currency Credit Agreement and other terms and conditions issued by Tala. Airtm does not guarantee the availability, approval, settlement or disbursement of any Credit. Airtm does not make any representation or warranty as to whether you will qualify for, or the terms of, any Credit offered by Tala.
3. Tala’s Privacy Policy and Terms.
By using the Tala Services, you agree to Tala’s Privacy Policy, which can be found here and to Tala’s Terms and Conditions, including the Digital Currency Credit Agreement applicable to your Credit. Airtm’s Terms of Service and Privacy Policy govern wallet functionality and your relationship with Airtm, while Tala’s terms and conditions govern the provision, servicing and repayment of Credit. In case of any inconsistency between these Terms and Tala’s terms and conditions with respect to matters that are the subject of Tala’s terms and conditions (including, without limitation, the provision, pricing, servicing and repayment of Credit), Tala’s terms and conditions shall govern and control.
4. Authorization to Debit.
If you obtain Credit from Tala through the Airtm App, you expressly authorize Airtm to debit Digital Currency from your Account, and to credit the corresponding amount to Tala, in amounts equal to each scheduled repayment of principal, interest, fees and any other charges then due and payable to Tala under your Digital Currency Credit Agreement with Tala (each, a “Scheduled Repayment”). This authorization shall operate in accordance with one of the following mechanisms, as selected and confirmed by you: (a) User-Initiated Repayment: you actively select, within the Airtm App, to make a Scheduled Repayment and confirm the deduction from your Account at the time of payment; or (b) Auto Scheduled Repayment: at the time you accept the Credit (or at any time thereafter), you opt in to an automatic deduction on a specified date, subject to sufficient available balance in your Account at the time of execution. No deduction will be made from your Account for Scheduled Repayments other than pursuant to an express instruction under (a) or a valid standing instruction under (b), except that, where (i) you have approved such a deduction under your Digital Currency Credit Agreement with Tala and (ii) you are in default under that agreement, Airtm may effect such deduction as directed by Tala in accordance with that authorization. You may modify or revoke your authorization only in accordance with the terms of your Digital Currency Credit Agreement with Tala and these Terms; revocation will not affect debits already in process or amounts already due.
5. Data Sharing.
In connection with your access to the Tala Services, you authorize Airtm to share with Tala certain information relating to you and your Account (including identity, verification, transactional and other information reasonably necessary for Tala’s credit scoring, servicing and compliance purposes), in each case in accordance with Airtm’s Privacy Policy and Tala’s Privacy Policy and subject to applicable law.
6. Disclaimers.
You acknowledge and agree that: (a) Airtm is not liable for, and does not guarantee, the settlement, disbursement or making of any loan or Credit amount under any agreement entered into by you with Tala; (b) Airtm has no control over, and shall have no liability in connection with, any decision made by Tala, including without limitation any credit, underwriting, pricing, servicing, collections, restructuring, enforcement, suspension or cancellation decision; (c) Airtm does not provide any legal, tax, financial or credit advice in connection with the Tala Services, and any information made available by Airtm in connection with the Tala Services is for general informational purposes only; and (d) complaints relating to the Tala Services (including as to late payments, collections or repayment negotiations) will be referred by Airtm to Tala for handling, and Tala, not Airtm, is responsible for resolving such complaints in accordance with its applicable policies and applicable law.
7. No Indemnity.
Notwithstanding anything to the contrary in these Terms or any other agreement, Airtm shall have no obligation to defend, indemnify or hold harmless any User, Tala or any other party in respect of any claim, demand, damage, liability, cost or expense of any kind arising out of or in any way relating to the Tala Services, the provision, non-provision or repayment of any Credit, or any act or omission of Tala. Your sole and exclusive recourse in respect of any Credit, any Digital Currency Credit Agreement, or any act or omission of Tala shall be against Tala.
8. Eligibility and Availability.
The Tala Services are only available to Users in Territories where Tala has agreed with Airtm to make the Tala Services available, and only to Users who meet Tala’s eligibility criteria. Airtm and Tala may, at any time and in their respective discretion, suspend, restrict or discontinue the Tala Services in any Territory or with respect to any User, without liability to you.
Privacy Policy
LAST UPDATE: October 6th, 2026
Thank you for choosing to be part of the Airtm community!
Here at Airtm, we take privacy very seriously. Through this Privacy Policy, we are going to explain to you what information we collect, how we use it and what rights you have in relation to it; take some time to read it carefully.
If there are any terms in this Privacy Policy that you do not agree with, or if you have any questions or concerns about our policy or our practices with regards to your personal information, please contact our Privacy Officer at [email protected].
This Privacy Policy applies to all information collected through our websites, mobile applications (“Apps”), products, services, sales, marketing or events (we refer to them collectively in this Privacy Policy as the “Services”).
Airtm aligns its practices with fundamental global data protection principles, including transparency, purpose limitation, and data minimization.
Depending on your country or state of residence, rights may include:
Accessing and receiving a copy of your personal data;
Requesting correction of inaccurate personal data;
Requesting erasure of personal data (subject to mandatory regulatory retention duties);
Restricting or objecting to certain processing activities;
Requesting data portability;
Withdrawing consent previously provided.
To exercise any rights, contact [email protected]. You also retain the right to file a complaint with your local data protection supervisory authority.
Airtm reserves the right to modify this Privacy Policy at any time, and when required by law, we will notify you of changes to this Privacy Policy. If we make any material changes, we will notify you by email (sent to the email address specified in your account) or by means of a notice on our Services before the change takes effect.
2.1 Personal information (PI) you voluntarily disclose to us.
→ In Short: We collect the personal information you provide to us such as name, date of birth, full address, contact information, passwords and security data, payment information, and social media login data.
We collect personal information that you voluntarily provide to us, both during online and offline activities, such as when registering on our website or in our Apps, expressing an interest in obtaining information about us or our Services, when participating in activities on our platform (such as posting messages in our online forums or entering competitions, contests or giveaways), events, or otherwise contacting us.
The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make and the products and features you use. The personal information we collect can include the following:
– Name and contact data: when you create an account or use of our Services, we, or our providers acting on our behalf, may collect the following types of information to comply with our legal obligations: your name, date of birth, social security number, driver identification number, personal identification number, address, telephone, email, full bank account details and/or credit card numbers that you link to your Airtm account or enter when you use Airtm Services, and your country and state of residence. Airtm will use this information to satisfy your requests and provide the corresponding Services.
– Credentials: we collect passwords, password hints, and similar security information used for authentication and account access.
– Transaction data: Airtm collects transaction details related to your use of our Services, including the type of service requested, the date and time the service was provided, your financial account information, the amount charged and other details related to the transaction.
– Social Media login data: we provide you with the option to register using social media account details, like your Facebook, Google or other social media account; if you choose to register in this way, we will collect the Information described in the section called “Social Logins” below.
All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
→ In Short: Some information – such as IP address and/or browser and device characteristics – is collected automatically when you visit our websites.
We automatically collect certain information when you visit, use or navigate the Services; this information does not directly reveal your name or contact information, but may include other information that is reasonably capable of being associated with you, such as device and usage information, IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Site and other technical information. This information is primarily used to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.
In some cases, information is automatically collected through the use of cookies, pixel tags and similar technologies that create and maintain unique identifiers. For more information about these technologies, please refer to our Cookie Statement.
Information collected through our Apps
→ In Short: We may collect information regarding your geo-location, mobile device, push notifications, and Facebook permissions when you use our Apps.
Please note: Important information about platform permissions. Most mobile platforms (iOS, Android, etc.) have defined certain types of device data that applications cannot access without their consent. These mobile platforms have different permission systems to obtain your consent. The applicable platform may notify the user the first time that the Airtm application requests permission to access certain types of data and allow the user to give his consent (or not) to that request. For example, Android devices will notify you of the permissions that our Apps request before you use them. If you do not agree to give our Apps permission to use the requested information, please do not use our Apps.
If you use our Apps, we may also collect the following information:
– Geo-Location information: if you allow the Apps to access location services through the permission system used by your mobile operating system (“platform”), we may collect the exact location of your device when the application is running in the foreground or in the background. We can also derive your approximate location from your IP address.
– Mobile device access: we may request access or permission to certain features from your mobile device. For example, if you allow the Apps to access your device’s address book through the permission system used by your mobile platform, we may access and store names and contact information from your address book to facilitate social interactions through our Services and for other purposes described in this Privacy Policy or at the time of consent or collection. If you wish to change our access or permissions, you can do it in your device’s settings.
– Mobile device data: we may automatically collect device information (such as your mobile device ID, model and manufacturer), operating system, version information and IP address.
– Communication data: the Services offered by Airtm facilitate communication between verified Airtm users. In connection with the facilitation of this service, Airtm receives communication data, including the date and time of communication and the content of the communication.
– SMS and contact permissions: if you apply for specific partner products, we may require access to additional data, including SMS and contact permissions, where required by our partners. In those cases, you will be notified in advance and we will only access this data if you grant us explicit permission through your device settings.
– Push notifications: we may request to send you push notifications regarding your account or the mobile application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.
– Registration information: when you interact with the Services, we collect server logs, which may include information such as your device’s IP address, dates and times of access, the features of the application or pages visited, application crashes and other system activity, the type of browser and the third-party site or service you were using before interacting with our Services.
– Social logins: if you log in to our Services using a third-party account such as a Facebook account or Google account, we, by default, access your basic account information made available by that third party. For example, if you log in via your Facebook account we access your name, email, gender, birthday, current city, and profile picture URL, as well as other information that you choose to make public. We may also request access to other permissions related to your account, such as friends, check-ins, and likes, and you may choose to grant or deny us access to each individual permission.
Information collected from other sources
→ In Short: We may collect limited data from public databases, marketing partners, social media platforms, and other outside sources.
Airtm may also receive information from other sources and combine it with the information we collect through our Services. For example, when a user requests services, other users can provide us with a user rating after making a P2P transaction.
We may also receive data about our users through third parties. This may include technical data from analytical and advertising partners such as Google, public databases, credit bureaus, identity verification partners, resellers and channel partners, joint marketing partners and social media platforms. Our identity verification partners use a combination of government records and public information available about you to verify your identity. This information includes your name, address, job function, public employment profile, credit history, status on the sanctions lists maintained by public authorities and other relevant data.
Airtm obtains such information to comply with its legal obligations, such as anti-money laundering laws.
→ In Short: In general, we use personal information to create, develop, operate, deliver and improve our services, content and advertising, as well as for loss prevention and fraud prevention purposes.
We use personal information collected via our Services for a variety of business purposes described below:
We collect only the personal information we need for the stated purposes and use it only for those purposes (data minimisation and purpose limitation).
Legitimate business interests (“Business Purposes”);
In order to enter into or perform a contract with you (“Contractual Reasons”);
For compliance with our legal obligations (“Legal Reasons”).
We use the information we collect or receive for the following purposes:
– Account Creation. We use your full name and basic contact data, national identifiers and your credentials or your Social Media login data (as applicable) to facilitate account creation and the account login process, with your Consent. If you choose to link your account with us to a third party account (such as your Google or Facebook account), we also use the information you allowed us to collect from those third parties to facilitate account creation and the account login process. See the section below headed “How do we handle your social logins?” for further information.
– Identity Verification. We use your full name and basic contact data, national identifiers, geolocation data, and information collected from other sources, such as our identity verification partners, in order to verify your identity. We do this for Legal Reasons such as compliance with anti-money laundering laws. For more information about our identity verification practices, please refer to the “Who will your information be shared with?” section of this Privacy Policy below.
– Marketing. We may use your full name, basic contact data and geographic location to send you marketing and promotional communications including via e-mail, in-app or push notifications, SMS and WhatsApp. You can opt-out of our marketing communications at any time (see the “Your Privacy Rights” information below).
– Account administration. We use your full name and basic contact data, your financial and transaction data, and automatically collected data to send you administrative information. We send you this information for Business Purposes, Legal Reasons and/or in some cases for Contractual Reasons. We may use your personal information to send you product, service and new feature information and/or information about changes to our terms, conditions, and policies.
– Performance of the Services. We use your full name and basic contact data, your financial and transaction data, and automatically collected data to provide our Services to you and to facilitate partner product applications. For example, we may use your information to fulfill and manage your transactions and exchanges made through the Services. We use this information for Contractual Reasons.
– Testimonials. We use your name, email and other testimonial details you provide to us to post testimonials relating to the Services. We post testimonials on our Services that may contain personal information. If you wish to update, or delete your testimonial, please contact us.
– Targeted Advertising. We use your basic contact data, e-mail address and location to deliver you targeted advertising. We may work with third parties to develop and display content and advertising tailored to your interests and/or location and to measure its effectiveness. For more information about targeting advertising that is delivered in connection with your use of the Services, please refer to our Cookie Statement.
– Feedback. We use your full name, e-mail and transaction data to request feedback. We may use your information to request feedback and to contact you about your use of our Services.
– Safety and Security. We use your full name and basic contact data, national identifiers, your financial and transaction data and information collected from other sources, to protect our Services, for Business Purposes and/or Legal Reasons. We may use your information as part of our efforts to keep our Services safe and secure and for complying with our national and international legal obligations.
– Fraud Monitoring and Prevention. We use your information — including device and network signals such as your IP address, device ID, device fingerprint, device model and age, operating system version, timezone, VPN/proxy/Tor usage, ISP and bot-detection scores — together with information collected from other sources, to detect and prevent fraud and financial crime, for our Business Purposes and Legal Reasons.
– User-to-User Communications. We use your full name and basic contact data, as well as your financial data to enable user-to-user communications, with your consent.
– Enforcement. We use your full name and basic contact data, national identifiers, your financial and transaction data, automatically collected data and information collected from other sources to enforce our terms, conditions and policies, for Business Purposes, Legal Reasons and/or in some cases for Contractual Reasons.
– Subpoenas and Other Legal Requests. We use your full name and basic contact data, national identifiers, your financial and transaction data, automatically collected data and information collected from other sources to respond to legal requests and prevent harm, for Legal Reasons. For example, if we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond. In general, we can use your information to resolve disputes, charge fees and solve problems.
– Internal Business Purposes. We use your full name and basic contact data, your transaction data, behavior data and other automatically collected data and information collected from other sources for other Business Purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Services, our marketing and enhancing your user experience. We also use the information for quality control and staff training.
→ In Short: We share information to comply with laws, to protect your rights, and to fulfill business obligations.
We take care of allowing your personal information to be accessed only by those who reasonably need it to perform their tasks and duties, and sharing it with third parties who have a legitimate purpose to access it. We may share the information we collect about you as described in this Privacy Policy or as described at the time of collection or processing, including for the following purposes:
Identity – Verification: we share your information with third-party identity verification services to comply with applicable regulations and to keep track of our users and prevent illegal activities. This sharing allows Airtm to confirm your identity by comparing the information you provide us with public records and other third-party databases. These service providers may create derived data based on your personal information that can be used only in connection with the provision of identity verification and fraud prevention services. Airtm’s ID-Verification partners include:
Persona Identities Inc. We may share your information with Persona Identities Inc. (“Persona”) to verify your identity and comply with regulatory requirements. Airtm only shares your information with Persona in accordance with this Privacy Policy. The information shared with Persona is treated by Persona in accordance with its Privacy Policy, currently available at https://withpersona.com/legal/privacy-policy.
Kount Inc. We may share your information with Kount Inc. (“Kount”) to track transactions and detect fraud. Airtm only shares your information with Kount in accordance with this Privacy Policy. The information shared with Kount is treated by Kount in accordance with its Privacy Policy, currently available at https://kount.com/legal/privacy-policy/ . .
Elliptic, Inc. We may share your information with Elliptic Inc.,. (“Elliptic”) for transaction monitoring and other compliance-related activities. Airtm only shares your information with Elliptic in accordance with this Privacy Policy. The information shared with Elliptic is treated by Elliptic in accordance with its Privacy Policy, available at https://www.elliptic.co/privacy-policy.
Compliance with laws and regulations: we may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
Vital interests and legal rights: we may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
Vendors, consultants and other third-party service providers: we may share your data with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: payment processing, data analysis, email delivery, hosting services, customer service and marketing efforts.
We may also allow selected third parties to use tracking technology on the Services, which will enable them to collect data about how you interact with the Services over time: this information may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. We also allow certain third-party advertising partners to collect information about the users of our Service for the purposes of serving ads that are more relevant, for ad campaign measurement and analytics, and for fraud detection and reporting. To learn more about online advertising and how you may be able to control some of this activity, please refer to our Cookie Statement. Unless otherwise described in this Privacy Policy, we do not sell or rent your information, or trade any of your information with third parties for their promotional purposes.
Business transfers: we may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
Third-Party advertisers: we may use third-party advertising companies to serve ads when you visit the Services. These companies may use information about your visits to our Website(s) and other websites that are contained in web cookies and other tracking technologies in order to provide advertisements about goods and services of interest to you (see our Cookie Statement for more details).
Affiliates: we may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.
Business or Integrated Partners: we may share your information with our business partners with which we offer our integrated services, and other products, services or promotions. These partners may include:
Bridge Ventures Inc.We may share your information with Bridge Ventures Inc. and its subsidiaries (“Bridge”), as one of our Service Providers that allows us to provide our Services. Airtm only shares your information with Bridge in accordance with this Privacy Policy. The information shared with Bridge is treated by Bridge in accordance with its Privacy Policy, available at https://www.bridge.xyz/legal
Tala Guatemala, S.A.We may share certain information relating to you and your Account with TALA GUATEMALA, S.A. and its affiliates (“Tala”) as one of our Service Providers that provides the Tala Services (including identity, verification, transactional and other information reasonably necessary for Tala’s credit scoring, servicing, fraud monitoring and prevention, and compliance purposes). Airtm only shares your information with Tala in accordance with this Privacy Policy. The information shared with Tala is treated by Tala in accordance with its Privacy Policy, currently available at https://tala.co/gt/aviso-de-privacidad/.
Business partners may also require you to create an account on their respective websites to access the integrated services and/or to accept and comply with their own terms of services and privacy policy.
We may disclose your personal information for any other purpose with your Consent.
Other users and general public: with other members so that they can carry out a requested peer-to-peer transaction.
Moreover, when you share personal information (for example, by posting comments, contributions or other content to the Services) or otherwise interact with public areas of the Site or App, such personal information may be viewed by all users and may be publicly distributed outside the Site and our App in perpetuity.
If you interact with other users of our Services and register through a social network (such as Facebook), your contacts on the social network will see your name, profile photo, and descriptions of your activity. Similarly, other users will be able to view descriptions of your activity, communicate with you within our Services, and view your profile.
→ In Short: although we do not use First Party Cookies, we do use Third Party Cookies and other tracking technologies to collect and store your information.
We may use tracking technologies to access information. For example, Localization Cookies and AWS Cloudfront help Airtm to provide a localized experience: we use them to verify if our service is provided in your country and for providing the service in your preferred language.
In addition to our tracking technologies, we may also use various Third Party Cookies and technologies to report usage statistics of the Service, deliver advertisements on and through the Service, and so on. Please refer to our Cookie Statement for more information about our use of these technologies.
→ In Short: If you choose to register or log in to our websites using a social media account, we may have access to certain information about you.
Our Services offers you the ability to register and login using your third-party social media account details (like your Facebook or Google logins): where you choose to do this, we will receive certain profile information about you from your social media provider.
The profile Information we receive may vary depending on the social media provider concerned, but will often include your name, e-mail address, friends list, profile picture as well as other information you choose to make public. If you login using Facebook, we may also request access to other permissions related to your account, such as friends, check-ins, and likes, and you may choose to grant or deny us access to each individual permission.
We will use the information we receive only for the purposes that are described in this Privacy Policy or that are otherwise made clear to you on the Services; please note that we do not control, and are not responsible for, other uses of your personal information by your third party social media provider, so we recommend that you review their privacy policy to understand how they collect, use and share your personal information, and how you can set your privacy preferences on their sites and apps.
→ In Short: We may transfer, store, and process your information in countries other than your own.
We share information globally, both internally between Airtm and its affiliates, and externally with our partners, vendors and other third parties with those with whom you and Airtm connect and share worldwide in accordance with this Privacy Policy. Your information may, for example, be transferred or transmitted to, or stored and processed in the United States or other countries outside of where you live for the purposes described in this Privacy Policy.
Please note that these data transfers are necessary to provide you with our services. If the country of destination does not have data protection or other laws as comprehensive as those in your country, we will take measures to transfer your personal information in accordance with this Privacy Policy and applicable law.
→ In Short: We are not responsible for the safety of any information that you share with third-party providers who advertise, but are not affiliated with, our websites.
The Services may contain advertisements from third parties that are not affiliated with us and which may link to other websites, online services or mobile applications.
We cannot guarantee the safety and privacy of data you provide to any third parties: any data collected by third parties is not covered by this Privacy Policy and we are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services or applications that may be linked to or from the Sites Services.
You should review the policies of such third parties and contact them directly to respond to your questions.
→ In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements).
In general, we keep your personal information for between 5 and 10 years from the date you cease to be our client, as required by the bank secrecy and anti-money-laundering laws that Airtm must comply with. The criteria used to determine the period for which personal information about you will be retained varies depending on the legal basis under which we process the personal information:
Consent. Where we are processing personal information based on your Consent, we generally will retain the information for the period of time necessary to fulfill the underlying agreement with you, subject to your right, under certain circumstances, to have certain of your data erased (as described in more detail in our Privacy Rights Policy).
Business Purposes. Where we are processing your personal information for our Business Purposes, we generally will retain such information for a reasonable period of time based on the particular interest, taking into account the fundamental interests and the rights and freedoms of data subjects.
Contractual Reasons. Where we are processing personal information for Contractual Reasons, we generally will retain the information for the duration of the contract plus some additional limited period of time that is necessary to comply with law or that represents the statute of limitations for legal claims that could arise from the contractual relationship.
Legal Reasons. Where we are processing personal information based on a legal obligation, we generally will retain the information for the period of time necessary to fulfill the legal obligation. In some cases, we may need to apply a “legal hold” that retains information beyond our typical retention period where we face threat of legal claim. In that case, we will retain the information until the hold is removed, which typically means the claim or threat of claim has been resolved.
In all cases, in addition to the purposes and legal bases, we consider the amount, nature and sensitivity of the personal information, as well as the potential risk of harm from unauthorized use or disclosure of your personal information. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible, we will securely store your personal information and isolate it from any further processing until deletion is possible.
→ In Short: We aim to protect your personal information through a system of organizational and technical security measures. We have implemented appropriate security measures designed to protect your personal information.
Airtm has implemented appropriate technical and organizational security measures designed to protect the security of any personal information processed: we protect your personal information by maintaining physical, electronic and procedural safeguards. We use network safeguards such as firewalls and data encryption and authorize access to personal information only for those who require access to fulfill their work responsibilities.
However, please remember that we cannot guarantee that the Services are 100% secure and transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment, use a secure password and take personal basic security measures (for example, do not share your account details and passwords with other people and remember that Airtm never asks for your password or other account details via email, text message or similar ways).
In addition, we cannot guarantee the security or confidentiality of the information you transmit to us or receive from us over the Internet or wireless connection, including email, telephone or SMS, since we have no way to protect that information once it leaves and until it reaches us. If you have reason to believe that your data is no longer secure, please contact us at the email address or postal address indicated in Section 14.
→ In Short: We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly solicit data from or market to children under 18 years of age: by using the platform, you represent that you are at least 18.
If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records.
If you become aware of any data we have collected from children under age 18, please contact us as soon as possible (Section 13 for contact details).
→ In Short: In some jurisdictions, such as the United Kingdom, the European Economic Area, many Latin American countries and some US states, you have rights that allow you greater access to and control over your personal information. Depending on which country’s laws apply, your privacy rights may include:
The right to request access and obtain a copy of your personal information;
The right to request rectification of your personal information;
The right to request erasure of your personal information;
The right to restrict the processing of your personal information;
If applicable, the right to data portability;
If applicable, the right to object to the processing of your personal information;
Where we rely on your consent for processing of your personal information, as described in this Privacy Policy, you may also have the right to withdraw your consent to such processing.
If you have any complaints regarding our privacy practices, you have the right to lodge a complaint with your national data protection authority (i.e., supervisory authority). However, we encourage you to first reach out to us by using the contact details set out in the Contact Us section below so that you have an opportunity to address your concerns directly and so that we may find a solution together before you lodge a complaint.
For more information about your privacy rights and how to exercise them, please see our Privacy Rights Policy.
→ In Short: Yes, we will update this Privacy Policy from time to time.
We may update this Privacy Policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this Privacy Policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification.
We encourage you to review this Privacy Policy frequently to keep informed about our privacy practices.
If you have questions or comments about this Privacy Policy, email our Privacy Officer at [email protected] or send us a letter at:
Airtm Inc.
1111B S Governors Ave, STE 27570, Dover, DE 19904, US
We would be happy to hear any feedback and answer any questions you may have.
LAST UPDATE: September 2024
1. INTRODUCTION
This Privacy Rights Policy supplements Airtm’s Privacy Policy. Terms used but not defined in this Privacy Rights Policy have the meaning set out in our Privacy Policy.
In some jurisdictions, such as the United Kingdom, the European Economic Area, many Latin American countries and some US states, you have rights that allow you greater access to and control over your personal information. Because your privacy is important to us, we grant the rights described in this Privacy Rights Policy to all individuals whose information we control, regardless of where they are located.
Airtm gives individuals rights to ACCESS, RECTIFY, RESTRICT THE PROCESSING OF, ERASE, OBTAIN A COPY OF OR OBJECT TO THE PROCESSING OF THEIR PERSONAL INFORMATION. To exercise your rights, please follow the process described in this Privacy Rights Policy.
2. PRIVACY RIGHTS: WHAT TO KNOW
Please see below for your rights with respect to personal information processed by Airtm. We only permit you to exercise these rights with regard to your own personal information, unless you have been expressly authorized to make a request by the individual to whom the information relates.
You have the following rights in relation to your personal information (subject to certain limitations under applicable law):
| Access | The right to obtain:
|
| Rectification | The right to correct or update any personal information about you that is inaccurate or incomplete. |
| Restriction of Processing | The right to require us to limit the purposes for which we process your personal information if the continued processing of the personal information in this way is not justified, such as where the accuracy of the personal information is contested by you. |
| Erasure | The right to request the deletion or erasure of personal information about you without undue delay if the continued processing of that personal information is not justified. |
| Portability | The right to obtain a copy of personal information about you in an easily accessible format and the right to transmit that personal information to another controller. |
| Objection to Processing | You also have the right to object to any processing based on our legitimate interests where there are grounds relating to your particular situation. There may be compelling reasons for continuing to process your personal information, and we will assess and inform you if that is the case. You can object to marketing activities for any reason. |
Please note that if the exercise of any of the above rights limits our ability to process personal information, we may not be able to provide our Services to you or otherwise engage with you going forward.
3. HOW TO SUBMIT A REQUEST
You can request to exercise one of the rights listed above by contacting us using the contact information set out in our Privacy Policy. Please complete the following Webform: Privacy Rights Requests Webform (if you do not hold a Google account, you please contact us and we will provide you with a PDF version of the same form above).
For certain types of requests, we may request additional information from you to help us consider the requests and respond appropriately.
In most cases, we will respond to your privacy rights requests free of charge. However, to the extent permitted by applicable law, we reserve the right not to comply with your request or to charge you a fee if your request is manifestly unfounded or excessive. We also reserve the right not to comply with your request if doing so would take disproportionate effort.
4. DEADLINES AND PROCEDURE
Within a period of 30 business days, counted from the day following the receipt of your request and we will evaluate your request and comply if and to the extent we determine we are required to do so. This period may be extended up to 60 days when there are justified causes.
We reserve the right not to comply with requests in circumstances where we are not required to do so under applicable law.
5. COMPLIANCE TEAM ASSISTANCE SUBMITTING REQUESTS
For assistance preparing your privacy rights request, please feel free to contact us.
6. NON – CONFORMITY
If you are not happy with the response of Airtm to your privacy rights request or you think Airtm is not complying with applicable law, you can follow these steps:
7. HOW CAN YOU CONTACT US ABOUT THIS PRIVACY POLICY?
If you have questions or comments about this Policy, email our Privacy Officer at [email protected] or send us a letter at:
Airtm Inc.
1111B S Governors Ave, STE 27570, Dover,
DE 19904
US
We would be happy to hear any feedback and answer any questions you may have.
LAST UPDATE: September 2024
1. INTRODUCTION
Airtm (“us”, “we”, or “our”) uses cookies and other tracking technologies on its website and Apps (“Service”), and this Cookie Policy explains what cookies are, how we and other third parties use cookies and tracking technologies, your choices regarding cookies and tracking technologies, and further information about cookies and tracking technologies.
2. WHAT ARE COOKIES?
Cookies are small pieces of data, stored in text files, and on your computer or other device when websites are loaded in a browser. They are widely used to “remember” you and your preferences, either for a single visit (through a “session cookie”) or for multiple repeat visits (using a “persistent cookie”). They ensure a consistent and efficient experience for visitors, and perform essential functions such as allowing users to register and remain logged in.
Both websites and HTML emails may also contain other tracking technologies such as “web beacons” or “pixels.” These are typically small transparent images that provide us with statistics, for similar purposes as cookies. They are often used in conjunction with cookies, though they are not stored on your computer in the same way. As a result, if you disable cookies, web beacons may still load, but their functionality will be restricted.
First-party & Third-party Cookies
First-party Cookies are cookies that belong to the Company and that we place on your device; and Third-party Cookies are cookies that another party places on your device through our Site.
Session Cookie
Session Cookies are temporary cookies that are used to remember you during the course of your visit to the website, and they expire when you close the web browser. Once you close the browser, all Session Cookies are deleted.
Persistent Cookies
A Persistent Cookie is a cookie that is stored by the web browser on your device until it expires or you delete it. Persistent Cookies are used to remember your preferences within the website and remain on your desktop or mobile device even after you close your browser or restart your computer. We use these cookies to analyze user behavior to establish visit patterns so that we can improve our website functionality for you and others who visit our website(s). These cookies also allow us to serve you with targeted advertising and measure the effectiveness of our site functionality and advertising.
3. AIRTM’S COOKIES, LOCAL STORAGE AND SESSION STORAGE
Although here at Airtm we don’t use any First Party Cookies, we do use Local Storage and Session Storage. Local and Session Storage are used to store data in the browser and are accessible from the client-side only; this means web servers can’t access them directly.
The main difference between Local and Session storage is that, while Local Storage has no expiration date, Session Storage is cleared when you close the browser tab – hence the name “session”.
4. THIRD PARTY COOKIES
Even if we do not use First Party Cookies, we may use various Third Party cookies to report usage statistics of the Service, deliver advertisements on and through the Service, and so on. You can manage your Third Party Cookies settings through our website or our apps. Please go to Appendix A for the list of our Third Party Cookies.
5. WHAT ARE YOUR OPTIONS REGARDING COOKIES?
Most web browsers let you choose whether to accept cookies, and most also let you delete cookies already set. The choices available, and the mechanism used, will vary from browser to browser. Such browser settings are typically found in the “options”, “tools” or “preferences” menu. You may also consult the browser’s “help” menu.
There are online tools available for clearing all cookies left behind by the websites you have visited, such as www.allaboutcookies.org; and for users in the EEA & UK, https://www.youronlinechoices.eu/.
Most advertising networks offer you a way to opt out of Interest Based Advertising. If you would like to find out more information, please visit http://www.aboutads.info/choices/ or http://www.youronlinechoices.com.
6. OTHER IDENTIFICATION TECHNOLOGIES
In addition to Third Party Cookies, there are other identification technologies we may use or permit on our Services:
7. CONTACT US
If you have any question about how we collect and use cookies, don’t hesitate to contact us; our Compliance Officer – Privacy Officer will reply as soon as possible.
You can contact us via e-mail or post mail:
E-mail: [email protected]
Airtm Inc.
8 The Green, STE 300, Dover
DE 19901
US
APPENDIX A – THIRD PARTY COOKIES
The list includes, but is not limited to, the listed third parties.
