Privacy Policy

Last Modified: January 1, 2023

Payactiv, Inc. (“Payactiv,” “we,” “us,” or “our”) provides the Payactiv platform, this website, mobile applications, and related services (together, the “Services”). This Privacy Policy (“Privacy Policy”), which is incorporated into and is subject to the Payactiv Terms of Use, describes the information that we gather from you on the Services, how we use and disclose such information, and the steps we take to protect such information. By using our Services, you are agreeing to this Privacy Policy and our Terms and Conditions as they exist at the time of your use of the Services.

Policy Scope and Links to Other Services

This Privacy Policy addresses activities on the Services provided by Payactiv. The Services may contain features or links to websites and services provided by third parties and other products and services that may be made available to you through a third-party website (“Third-Party Service”). Any information you provide to a Third-Party Service, is subject to the policies, if any, of their respective operators governing privacy and security, even if accessed through the Services. We have no control over the nature, content, availability, or privacy and security practices of any Third-Party Service or any third-party sites or services which are linked from, or can be accessed through, the Services. This Privacy Policy does not cover the links within the Services that link to such other Third-Party Services. We encourage you to learn about third parties’ privacy and security policies before providing them with information.

The Information We Collect and How We Use It

Payactiv collects personal information about you in order to:

identify you when you use the Services;
customize your experience;
operate, maintain, enhance and provide the Services, to provide services and information that you request, to respond to comments and questions, and otherwise to provide support to users;
understand and analyze the usage trends and preferences of our users, to improve the Services, to develop new products, services, features, and functionality, and to perform and participate in studies and develop marketing materials; and
contact you for administrative purposes such as customer service, or to send communications, including updates on promotions and events, relating to products and services offered by us and by third parties.

When you use the Services or a Third-Party Service, we may collect information about you, either directly from you or from the entity that operates the Third-Party Service. Personal information we collect may include:

first name;
last name;
email address;
physical address(es);
phone number(s);
Social Security number;
employee identification number;
driver’s license number;
date of birth; and/or
geographic location.

We collect and use the personal information described above in order to provide you with the Services in a reliable and secure manner. We also collect and use personal information for our legitimate business interests.

By using the Services, you acknowledge and agree that your data and information will also be treated in accordance with Plaid’s privacy policy, located at plaid.com/legal.

By using the Services and if applicable, you also authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use, or to disclose to Payactiv or its service providers your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber and device status details, if available, where provided in accordance with your mobile operator’s privacy policy for the duration of our business relationship solely to help verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of our services.

Information Automatically Collected Through the Services

As is true of most other online services, our Services collect certain information automatically. The information may include (i) internet protocol (“IP”) addresses, (ii) the region or general location where your computer or device is accessing the internet, (iii) browser type, (iv) operating system, and (v) other usage information about your use of the Services, including a history of the pages you view.

We may use cookies, web beacons, and other online trackers to: (i) personalize our Services, such as remembering information about you so that you will not have to re-enter it during your visit or the next time you visit the Services; (ii) provide customized advertisements, content, and information; (iii) monitor and analyze the effectiveness of the Services and third-party marketing activities; (iv) monitor aggregate site usage metrics such as total number of visitors and pages viewed; and (v) track your entries, submissions, and status in any promotions or other activities on the Services.

When you use the Services, we may send cookies – small text files containing a string of alphanumeric characters – to your device. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Please review your web browser’s “Help” menu to learn how to modify your cookie settings. Please note that if you delete, or choose not to accept cookies from the Services, you may not be able to utilize the features of the Services to their fullest potential. We may use third party cookies on our Services as well. Payactiv does not process or respond to web browsers’ “do not track” signals or other similar transmissions that indicate a request to disable online tracking of users who visit Payactiv.com or any smartphone or tablet application provided by Payactiv (collectively, “Site”) or who use our Services.

We may also automatically record certain information from your device by using various types of technology, including “clear gifs” or “web beacons.” This automatically collected information may include your IP address or other device address or ID, web browser and/or device type, the web pages or sites that you visit before or after you use the Services, the pages or other content you view or otherwise interact with on the Services, and the dates and times that you visit, access, or use the Services. We also may use these technologies to collect information regarding your interaction with email messages, such as whether you opened, clicked on, or forwarded a message. This information may be gathered from all users and may be connected with other information about you.

We may use certain third-party web analytics services, including Google, Facebook, and Hotjar, to help us understand and analyze how visitors use the Site and to serve ads on our behalf across the Internet.

For more information on how Google uses data, visit google.com/policies/privacy/partners/. To opt out of Google Analytics, visit google.com/dlpage/gaoptout. To adjust your Google advertising settings, visit adssettings.google.com.
To change your privacy and advertising settings with Facebook, login to your Facebook account and navigate to your account settings.
We use Hotjar to help us understand and analyze how visitors use our Services, and to improve the Services. Hotjar may collect the following types of information from users of our websites: device IP address; screen size; device type (unique device identifiers); browser information, geographic location; and preferred language used to display our website. Hotjar stores the above information in a pseudonymized, or encrypted, format. Hotjar does not use this information to identify individual users, or match or link the information with other information about users. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For more information regarding Hotjar’s collection and use of information, please visit Hotjar’s privacy policy here.

Certain external parties may participate in the Digital Advertising Alliance (“DAA”) and its AdChoices opt-out program. For more information about the DAA and its opt out tool, you can visit youradchoices.com/ for web browsers or aboutads.info/appchoices for mobile apps. In addition, certain advertising networks and exchanges may participate in the Network Advertising Initiative (“NAI”). To learn more about opting out of targeted advertising or to use the NAI tool, visit networkadvertising.org/choices/ for web browsers or networkadvertising.org/mobile-choice/ for mobile apps. Please be aware that, even if you are able to opt out of certain kinds of interest-based ads, you will continue to receive non-targeted ads.

We are not responsible for the effectiveness of, or compliance with, external-parties’ opt-out options or programs or the accuracy of their statements regarding their programs.

Aggregated Services Data

In an ongoing effort to better understand and service Payactiv’s customers, at times Payactiv conducts research on its customer demographics, interests and behavior based on the personal information and other information provided to us. This research may be compiled and analyzed on an aggregate basis and Payactiv may share this aggregate data with its affiliates, agents, and business partners. This aggregate information does not identify you personally and is not considered to be personal information.

When and How We Share Information with Others

Generally, we may disclose information to third parties if you consent to us doing so, as well as in the following circumstances:

We share personal information with third parties who are facilitating delivery of the Services. These third parties, which may include financial institutions that process disbursements of funds or third-party web hosts, may have access to or process information about you as part of providing those services for us. Generally, we limit the information provided to these service providers to information that is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. Such third parties must agree to use such personal information only for the purposes for which they have been engaged by Payactiv and they must either:

comply with the privacy principles or another mechanism permitted by applicable data protection law(s) for transfers and processing of personal information; or
agree to provide adequate protections for the personal information that are no less protective than those set out in this Privacy Policy.

We may disclose information about you to your employer in order to enable us to verify your identify and otherwise provide and/or enhance the Services.

We may disclose information about you if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws, in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement or other governmental agencies.

We also reserve the right to disclose information about you that we believe, in good faith, is appropriate or necessary to: (i) take precautions against liability; (ii) protect ourselves or others from fraudulent, abusive, or unlawful uses or activity; (iii) investigate and defend ourselves against any third-party claims or allegations; (iv) protect the security or integrity of the Services and any facilities or equipment used to make the Services available; or (v) protect our property or other legal rights (including, but not limited to, enforcement of our agreements), or the rights, property, or safety of others.

Information about our users may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.

We may make certain aggregated, automatically-collected, or otherwise de-identified information available to third parties for various purposes, including: (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, habits, and usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Services. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Your Choices About Your Information

We offer you choices regarding the collection, use, and sharing of your personal information and we’ll respect the choices you make. Please note that if you decide not to provide us with the personal information that we request, you may not be able to access all of the features of the Services.

If you wish to update or amend any personal information you have provided to us, you may do so through the Services or through a Third-Party Service, or you may contact us at [email protected] In your request, please note you are writing about “personal information” in the subject line or body of the email. Please note that while any changes you make will be reflected in active databases within a reasonable period of time, we may retain all information you submit for backups, archiving, prevention of fraud and abuse, analytics, satisfaction of legal obligations, or where we otherwise reasonably believe that we have a legitimate reason to do so.

If you receive marketing email from us, you may unsubscribe at any time by following the instructions contained within the email. You may also opt out from receiving marketing email from us by sending your request to us by email at [email protected] or by writing to us at the address given at the end of this Policy. In your request, please note you are writing to “unsubscribe” in the subject line or body of the email or correspondence.

Please be aware that if you opt out of receiving marketing email from us or otherwise modify the nature or frequency of promotional communications you receive from us, it may take up to ten (10) business days for us to process your request, and you may continue receiving promotional communications from us during that period. After you opt out from receiving marketing messages from us, you may continue to receive administrative and transactional messages from us regarding the Services.

Security of Your Information

We maintain physical, technical and administrative safeguards to protect your personal information. Our servers are located in the United States and to provide you with the Services, we may store, process and transmit information in the United States. Personal information may also be stored locally on the device you use to access the Services.

When you submit information to us, your information is protected. Wherever we collect sensitive information, that in formation is encrypted and transmitted to us in a secure way.

Data Retention

We only retain personal information for a limited period of time for as long as we need it to fulfill the purposes for which we have initially collected it, unless otherwise required or authorized by law.

A customer may request deletion of their data, but certain transaction information must be retained for legal purposes.

If you would like to request deletion of any personal information you have submitted to us, please contact us at [email protected] In your request, please note you are writing about “personal information” in the subject line or body of the email.

Children

Payactiv does not knowingly collect personal information from children under the age of 13. If we become aware that a child under the age of 13 has provided personal information to Payactiv through the Services, we will endeavor to delete that information from our databases in accordance with applicable law.

Changes and Updates to the Privacy Policy

Payactiv reserves the right to amend the Privacy Policy at any time, for any reason, without notice to you, other than the posting of the amended Privacy Policy on this website. Changes to this Privacy Policy are effective when they are posted on this page. When we change the policy in a material manner, we will let you know by updating the “Effective Date” at the top of this page.

If you have any questions or comments about this Privacy Policy, please contact us by email at [email protected] and please note you are writing about “Privacy Policy” in the subject line or body of the email. or by postal mail at:

Payactiv, Inc.
4880 Stevens Creek Blvd. Suite 102
San Jose, CA 95129

Privacy Notice for California Residents

Effective Date: January 1, 2023

This Privacy Notice for California Residents (“CA Privacy Notice”) supplements the information contained in the Privacy Policy of Payactiv (“Payactiv”, “we,” “us,” or “our”) and applies only to individuals who are California residents (“consumers” or “you”). Payactiv provides the Payactiv platform, this website, mobile applications, and related services (together, the “Services”). We adopt this notice to comply with the California Consumer Privacy Act (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this Notice.

In the event of a conflict between any other policy, statement, or notice and this CA Privacy Notice, this CA Privacy Notice will prevail as to the Personal Information of California consumers.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer (“Personal Information”). Personal Information we have collected over the past 12 months includes the categories listed below. Note that the Personal Information we collect about you varies based on your interactions with us, including whether you are a user or a job applicant, and may not include all of the examples listed below.

Category	Examples
Identifiers	Name, alias, postal address, online identifier, internet protocol address, email address, account name, Social Security number, driver’s license number, passport number, other unique personal identifier, or other similar identifiers.
Personal information described in Cal. Civ. Code § 1798.80(e).	Name, signature, Social Security number, address, telephone number, passport number, driver’s license or state identification card number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information. Some Personal Information included in this category may overlap with other categories.
Protected classification characteristics under California or federal law.	Age or date of birth, race, color, ancestry, national origin, citizenship, religion, creed, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, sexual orientation), veteran or military status.
Commercial information.	Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or other electronic network activity information.	Including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement.
Geolocation data.	Physical location based on your IP address.
Audio, electronic, visual, or similar information.	Communications with us by phone or videoconferencing technology.
Professional or employment-related information.	Including, but not limited to, current or past job history or performance evaluations, educational background, professional affiliations, certifications, languages spoken, and interests.
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Inferences drawn from other Personal Information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Sensitive Personal Information	Personal Information that reveals a consumer’s Social Security number, driver’s license, state identification card, or passport number; Personal Information that reveals a consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; Personal Information that reveals a consumer’s precise geolocation; and Personal Information that reveals the contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication.

Category	Examples
Identifiers	Name, alias, postal address, online identifier, internet protocol address, email address, account name, Social Security number, driver’s license number, passport number, other unique personal identifier, or other similar identifiers.
Personal information described in Cal. Civ. Code § 1798.80(e).	Name, signature, Social Security number, address, telephone number, passport number, driver’s license or state identification card number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information. Some Personal Information included in this category may overlap with other categories.
Protected classification characteristics under California or federal law.	Age or date of birth, race, color, ancestry, national origin, citizenship, religion, creed, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, sexual orientation), veteran or military status.
Commercial information.	Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or other electronic network activity information.	Including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement.
Geolocation data.	Physical location based on your IP address.
Audio, electronic, visual, or similar information.	Communications with us by phone or videoconferencing technology.
Professional or employment-related information.	Including, but not limited to, current or past job history or performance evaluations, educational background, professional affiliations, certifications, languages spoken, and interests.
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Inferences drawn from other Personal Information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Sensitive Personal Information	Personal Information that reveals a consumer’s Social Security number, driver’s license, state identification card, or passport number; Personal Information that reveals a consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; Personal Information that reveals a consumer’s precise geolocation; and Personal Information that reveals the contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication.

Category	Examples
Identifiers	Name, alias, postal address, online identifier, internet protocol address, email address, account name, Social Security number, driver’s license number, passport number, other unique personal identifier, or other similar identifiers.
Personal information described in Cal. Civ. Code § 1798.80(e).	Name, signature, Social Security number, address, telephone number, passport number, driver’s license or state identification card number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information. Some Personal Information included in this category may overlap with other categories.
Protected classification characteristics under California or federal law.	Age or date of birth, race, color, ancestry, national origin, citizenship, religion, creed, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, sexual orientation), veteran or military status.
Commercial information.	Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or other electronic network activity information.	Including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement.
Geolocation data.	Physical location based on your IP address.
Audio, electronic, visual, or similar information.	Communications with us by phone or videoconferencing technology.
Professional or employment-related information.	Including, but not limited to, current or past job history or performance evaluations, educational background, professional affiliations, certifications, languages spoken, and interests.
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Inferences drawn from other Personal Information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Sensitive Personal Information	Personal Information that reveals a consumer’s Social Security number, driver’s license, state identification card, or passport number; Personal Information that reveals a consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; Personal Information that reveals a consumer’s precise geolocation; and Personal Information that reveals the contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication.

We also collect some Personal Information that does not directly fit within one of the categories defined by the CCPA. For example, we collect the contents of communications and information you send to us and authorize on the Site, such as criminal backgrounds and drug screenings for job applicants and employee IDs for users. Unless otherwise specified, the sources of this Personal Information, the purposes for which we use it, and the categories of persons to which we disclose it are the same as those listed for Identifiers.

We do not use or disclose Sensitive Personal Information for purposes to which the right to limit use and disclosure applies under the CCPA.

How We Use and Disclose Personal Information

Use of Personal Information

We may collect and use the Personal Information described above for one or more of the following purposes:

To fulfill or meet the reason for which the information is provided;
To provide you with information, products, or services that you request from us;
To provide you with email alerts, event registrations, and other notices concerning our products or services, or events or news, that may be of interest to you;
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;
To improve our Services and operate our business;
To facilitate Services to you or your company may provide to us;
To evaluate employment opportunities with us;
For testing, research, analysis and product development;
As necessary or appropriate to protect the rights, property or safety of us, our clients or others;
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
As described to you when collecting your Personal Information or as otherwise set forth in the CCPA; and
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us is among the assets transferred.

Disclosing Personal Information

We disclose and, in the preceding twelve (12) months, have disclosed the above categories of Personal Information for the following business purposes:

To perform services on our behalf, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the business;
To ensure the security and integrity of Personal Information;
Auditing related to ad impressions;
To debug to identify and repair errors that impair existing intended functionality;
For short-term, transient use, including, but not limited to, non-personalized advertising;
To provide advertising and marketing services (except for cross-context behavioral advertising);
To undertake internal research for technological development and demonstration;
To undertake activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us; and
To detect or protect against malicious, deceptive, fraudulent or illegal activity.

We disclose your Personal Information to the following categories of third parties for a business purpose:

Our affiliates.
Service providers that help us to run our business.
Third parties to whom you or your agents authorize us to disclose your Personal Information in connection with products or services we provide to you.

In the preceding twelve (12) months, we have not sold or shared Personal Information for cross-context or targeted behavioral advertising.

Categories of Sources of Personal Information

We collect Personal Information relating to you from the following categories of sources:

Directly from For example, the information you provide when you sign up for our services or apply for a job with us.
Automatically when you use the Services.
Service providers. For example, vendors that provide us with analytic services or communications services, help us to operate the Services, or collect personal information on our behalf.
Third For example, from credit reporting agencies to validate your information and identity when using or signing up for the Services. We also collect Personal Information from your employer. We may collect Personal Information from your references if you apply for a job with us.

Retention of Personal Information

A description of how we retain Personal Information is provided in the Data Retention section above.

Your Rights under the CCPA

The CCPA providers California residents with specific rights regarding their Personal Information. The following is a description of your rights under the CCPA and how you can exercise such rights.

The Right to Know

You have the right to request information about our collection and use of your Personal Information over the past 12 months, including:

The categories of Personal Information we have collected about you.
The categories of sources from which the Personal Information was collected.
Our business or commercial purposes for collecting or disclosing Personal Information.
The categories of recipients to whom we disclose Personal Information.
The categories of Personal Information that we disclosed for a business purpose, and for each category identified, the categories of recipients to which we disclosed that particular category of Personal Information.
The specific pieces of Personal Information we have collected about you.

Right to Deletion

You have the right to request that we delete any of your Personal Information that we have collected from you, subject to certain exceptions. Where we use deidentification to satisfy a deletion request, we commit to maintaining and using the information in deidentified form and will not to attempt to reidentify the information.

Right to Correct Inaccurate Personal Information

If you believe that Personal Information we maintain about you is inaccurate, you have the right to request that we correct that information.

Exercising your Rights – Verifiable Consumer Requests

To exercise any of your rights described in this CA Privacy Notice, please submit a verifiable consumer request to us by calling us at +1 (877) 937-6966 or visiting us at payactiv.com/help.

Only you or your authorized agent registered can submit a request relating to your Personal Information. Whether you submit your request directly or through an authorized agent, you must provide us with information that is sufficient to allow us to reasonably verify your identity. In most cases, this means that you will be asked to provide 2-3 pieces of Personal Information that we will match against our records to verify your identity.

Non-Discrimination

We will not discriminate against you for exercising any of your rights under the CCPA.

Changes and Updates to our CA Privacy Notice

Payactiv reserves the right to amend the CA Privacy Notice at any time, for any reason, without notice to you, other than the posting of the amended CA Privacy Notice on this website. Changes to this CA Privacy Notice are effective when they are posted on this page.

How to Contact Us

If you have any questions or comments about our CA Privacy Notice please contact us by email at [email protected] and please note you are writing about “CA Privacy Notice” in the subject line or body of the email, or by postal mail at:

Payactiv, Inc.
4880 Stevens Creek Blvd. Suite 102
San Jose, CA 95129

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