Privacy Policy
Last updated: July 3, 2025
1. Introduction
This Privacy Policy (the "Policy") outlines how tenten Oy ("tenten," "we," "us," or "our"), a company registered in Helsinki, Finland, and a member of a corporate group in Europe, collects, uses, stores, and protects your personal information when you use our services (the "Service") provided through our website at tiot.io (the "Website"). The Service encompasses multiple areas within corporate finance. This Policy also explains your rights regarding your personal information and how to contact us with questions or concerns.
Tenten is committed to complying with the General Data Protection Regulation (EU) 2016/679 ("GDPR"), Finnish data protection laws, and other applicable data protection regulations. If you have any questions or concerns about our use of your personal information not addressed in this Policy, please contact our Data Protection Officer at privacy@tiot.io.
2. Code of Conduct
You may use the Service only for lawful purposes. You agree not to:
Post, transmit, or distribute illegal, defamatory, abusive, harassing, threatening, infringing, obscene, pornographic, racist, terrorist, politically inflammatory, indecent, or otherwise unlawful material or information.
Violate the legal rights of others, including tenten, or engage in activities that harm the Service, such as distributing viruses, spam, or other malicious content.
Violation of this Code of Conduct may result in suspension or termination of your User Account and potential legal action.
3. Acceptance
By accessing or using the Service, you consent to the collection, use, and processing of your personal information as described in this Policy. If you do not agree with any provision of this Policy, you must not access or use the Service.
The Service may include links to third-party websites, applications, or services ("Third-Party Services") or tools that allow you to share information with Third-Party Services. tenten is not responsible for the content, privacy policies, or practices of Third-Party Services. We recommend reviewing their privacy policies before sharing information or using such services. To the fullest extent permitted by law, tenten disclaims liability for any loss or damage arising from your use of Third-Party Services.
4. Information We Collect
We, or our trusted partners (see Section 8), may collect the following types of personal information when you use the Service:
4.1 Registration Information
To create a User Account, we collect your name, email address, phone number, the entity/organization you represent, and a password ("Registration Information").
4.2 Information Provided by You
You may voluntarily provide additional information, such as your job title, industry, country, and city of residence, to enhance your profile.
4.2.1 Capital Raising Advisory Services: Financial data, investment preferences, or all business details relevant to advisory engagements.
4.2.2 Digital Loan Platform: Company financial information or lender and investor investment criteria, submitted during applications or approvals.
4.3 Automatically Collected Information
We may automatically collect:
Actions you take within the Service, such as viewing content, clicking links, connecting to Third-Party Services, or following/unfollowing other users.
Time, frequency, and duration of your visits to the Service.
Technical data, including your IP address, device type, browser type, and operating system.
4.4 Third-Party Services
If you use Third-Party Services (e.g., social media or authentication services) to create or access your tenten User Account, we may receive personal information in accordance with the privacy policies of those Third-Party Services.
5. User Account and Responsibilities
You may register only one User Account and are responsible for ensuring that all information provided is accurate, complete, and up-to-date. Tenten is not liable for the accuracy or validity of information provided by you or other users.
You are responsible for maintaining the confidentiality of your password and must not share it with third parties. Tenten does not have access to your password and cannot reset it on your behalf. If you forget your password, you must use the account recovery process provided in the Service. Tenten disclaims liability for unauthorized access due to your failure to secure your account, to the extent permitted by law.
By registering, you confirm that you have the legal capacity or consent to create a User Account. You, or the entity you represent, are responsible for all activities conducted under your User Account.
Tenten reserves the right to suspend or terminate your User Account if, in our sole discretion, your activities violate this Policy, our Terms of Service, or applicable laws, rules, or regulations.
6. How We Use Your Information
We process your personal information for the following purposes:
Operating and maintaining your User Account.
Providing and improving the Service.
Analyzing Service usage to personalize and enhance user experience.
Communicating with you regarding the Service, including updates, newsletters, or tailored offers from our partners (subject to your consent where required).
Enforcing this Policy and our Terms of Service.
Complying with legal obligations or protecting our legitimate interests.
For capital raising advisory services, we use financial and business data to provide tailored advisory support, securely stored with encryption and access controls. For digital loan platform, we use borrower, lender and advisor data to process loan applications, assess creditworthiness, and facilitate agreements, with strict confidentiality measures.
We process your data based on GDPR legal grounds, including your consent, contractual necessity, or our legitimate interests, as applicable. You may opt out of non-essential communications (e.g., newsletters) at any time via your account settings or by contacting privacy@tiot.io.
7. Who Can Access Your Information
You control the visibility of your personal information within the Service. For example:
Information such as your job title, industry, and location is not visible to other users unless you choose to share it.
For capital raising advisory services, your name, entity, and submitted details are visible to recipients of your advisory requests (e.g., lenders, investors or partners) and those with whom they share the request, with your consent.
For digital loan platform, borrower and lender details (e.g., name, entity, financial data) are visible to counterparties (e.g., lenders, borrowers, legal counsel) involved in a loan transaction, only with your explicit consent.
Your email address is visible only to users who have received your request for a quote, submitted a quote to you, or established a network connection with you within the Service.
We may use your information in aggregated, anonymized form for reporting across multiple users, industries, or regions.
8. Sharing Your Information
We may share your personal information:
With affiliates within our corporate group in Europe, under GDPR-compliant data processing agreements or joint controller arrangements, with your consent where required.
With trusted partners or service providers who assist us in operating the Service, subject to strict confidentiality agreements and GDPR-compliant data processing agreements.
For capital raising advisory services, with investors, financial institutions, or advisors involved in your engagement, only with your explicit consent.
For digital loan platform, with borrowers, lender, or legal counsel involved in loan transactions, only with your explicit consent.
If required by law or to protect our legitimate rights and interests, such as ensuring the safety and security of the Service.
In connection with a business transfer, such as a merger, acquisition, or sale of assets.
Some recipients may be located outside the European Economic Area ("EEA"). Where personal data is transferred outside the EEA, we ensure appropriate safeguards, such as Standard Contractual Clauses, are in place to comply with GDPR.
9. Children
The Service is designed for professionals and businesses and is not intended for individuals under 16 years of age. We do not knowingly collect personal information from children. If you believe we have collected such information, please contact us at privacy@tiot.io, and we will promptly delete it.
10. Your Rights
Under GDPR and Finnish data protection laws, you have the right to:
Access your personal data held by us.
Request correction, restriction, or deletion of your personal data.
Object to the processing of your personal data.
Request data portability.
Withdraw consent at any time, where processing is based on consent.
To exercise these rights, please contact us at privacy@tiot.io, specifying your request. We will respond within one month, unless the request is complex or voluminous.
11. Data Security and Retention
We implement technical and organizational measures to protect your personal information from unauthorized access, loss, or disclosure. However, no system is completely secure, and we disclaim liability for breaches beyond our reasonable control, to the extent permitted by law.
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Policy or as required by law (e.g., tax or regulatory obligations). For capital raising advisory services, financial data is retained for the duration of the engagement, if not otherwise agreed, and as required by Finnish law. For digital loan platform, borrower/lender data is retained for the loan term and applicable legal periods.
12. Changes to This Policy
We may update this Policy at our discretion. The date of the last modification is indicated at the top of this document. You are responsible for reviewing the Policy periodically for updates.
If we make material changes, we will notify you through the Service or via email. Continued use of the Service after such notification constitutes your acceptance of the updated Policy. If you disagree with the changes, you may terminate your account as described in Section 13.
13. Contact Information
Tenten Oy is the data controller for your personal data. Contact us at:
Email: privacy@tiot.io
Address: tenten Oy, c/o Azets, Elielinaukio 5 B, 00100 Helsinki, Finland
14. Account Deletion
To request deletion of your User Account and personal information, please email privacy@tiot.io with your request and confirm termination of your use of the Service by deleting your account. We will process your request within one month, in accordance with GDPR, unless extended as permitted by law. We may retain certain data as required by Finnish or EU law or to fulfill our obligations to you.
