Privacy Policy

Perpay, Inc. a Delaware corporation, together with its applicable subsidiaries, affiliates, assignees, and successors (collectively, "Perpay", "we", "us" or “our”) are committed to your personal privacy and your security online. This policy describes the ways we collect, use, share and protect your personal information. We do not ask you to register or enter personal information unless you wish to sign up for our email list or enroll in our membership program.

Information We Collect About You

We collect information about you in three ways:

(I) Information You Provide: When you use Perpay's website and any services we might provide, you will generally be required to provide personally identifying information, which may include your e-mail address, name, address, telephone number and Social Security Number, as well as financial information, which may include income, employment and bank account information. You may also have to provide certain documents to verify the information you provide. In providing bank account information, you also expressly grant Plaid the right, power and authority (acting your behalf) to access and transmit the your User Data as reasonably necessary for Plaid to provide the Service to you. In doing so, you also acknowledge and agree to Plaid's Privacy Policy.

(II) Information from Third Parties: Third parties, such as credit bureaus, may provide us with information on you. We may combine this information with information we already have about you to evaluate your application for services, to create or offer personalized products and services for you, or for similar purposes.

(III) Information from Your Use of the Website: We may collect additional user behavior information during your use of the website. This may include device information (such as your internet protocol address), log information (such as pages visited), location information (such as your geographical location), and other information (such as cookies and anonymous identifiers). We will retain your information for as long as needed to provide you services or as necessary to comply with our legal obligations and our backup, archival and audit procedures.

In addition, we partner with Underdog Technologies, Inc., d/b/a Pinwheel ("Pinwheel") to collect information about your payroll account transactions/settings, your income, salary, and wage information, and information from documents such as your paystubs, W-2s, W-4s, and 1099s ("Income Information") and your name, job title, employer name, start date, end date, and other employment details ("Employment Information"). Accordingly, you will be asked to provide your log-in credentials to your employer's payroll provider (such as ADP, Quickbooks, Gusto, or Workday) to Pinwheel. When you link an account through Pinwheel, you acknowledge that (1) Pinwheel will access and transmit your Income Information and Employment Information from your payroll provider to us and (2) pursuant to your instructions, Pinwheel may also change the account that receives your direct deposit. You also acknowledge that we will share certain information with Pinwheel to facilitate those connections (such as your name and payroll provider) and that such information, together with your Income Information and Employment Information, will be collected, used, and disclosed by Pinwheel in accordance with Pinwheel's Privacy Policy (

How We Use Information We Collect

Information we collect from you may be used in one or more of the following ways:

  • To provide you with products and services, including in determining your eligibility for products and services we might provide
  • To verify your identity and age as well as to guard against potential fraud
  • To obtain, with your authorization, third-party data from credit bureaus or others in connection with your application
  • To personalize your experience using the website
  • To provide customer service
  • To enable our service providers to provide you with services, such as funds transfers, billing, payments, and collection activities as needed
  • To send you regular communications, including information and updates pertaining to your account as well as news, updates, and related product or service information
  • To improve our products and services and identify, develop or offer new products and services
  • For our marketing purposes to offer our products and services to you
  • To enforce agreements with you
  • To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request; and/or
  • To fulfill any other purpose for which you provide it or otherwise give your consent.

Information We Share

We may share information with third parties in the course of running our business, including:

  • Service providers who assist with parts of our operations including but not limited to, technology providers, payment processing providers, credit bureaus, collections agencies and other service providers
  • Credit bureaus to report account information, as permitted by law
  • Companies that we plan to merge with or be acquired by, or companies we plan to sell
  • Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to
  • Law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure or we need to do so to comply with law; and
  • Other third parties but only if you consent or direct us to do so
  • Companies that include Perpay as a payment option

Perpay will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described above. Information that has been made anonymous so that it does not identify a specific user is not considered personal information and we may share aggregated, non-identifiable user information with third parties, such as advertisers and content distributors.

Federal and state laws allow you to restrict the sharing of your personal information in certain instances such as sharing your information so that third parties can market to you. However, because we will not share your information in these instances, there is no need for you to opt-out from this kind of information sharing.

How We Protect Your Information

Perpay is committed to safeguarding your personal information through various industry standard policies and practices.

We protect your account security by employing session time-outs, which log you out of the website after a specified time period, and by employing secure password practices, including password strength requirements and secure password reset procedures. Your password is not known to any employee or service provider of Perpay.

We protect your data in our care by storing sensitive personal and financial information, such as bank account numbers, in a secure, off-site, hosted environment, which can only be read or written though defined service access points which are password-protected and accessible only to employees and service providers with a permitted need to access such information.

We also protect your information in transit by employing Secure Socket Layer (SSL) certificate technology which encrypts all data entered into our website and ensures the connection is secure. As an additional measure, we also require a 128-bit secure browser for logins and transactions.

Cookies and Other Technologies

We use various technologies to collect and store non-personally identifiable information when you use the website. This may include sending one or more cookies or anonymous identifiers to your computer or mobile device, including web beacons, clear GIFs, pixel tags and other means. Perpay may use such technologies or similar technologies to obtain non-personal information from you as an online visitor.

Most browsers accept cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. Generally, information in your browser's "Help" section of the toolbar, or on the website of the browser designer or vendor, will explain how to turn off or modify your browser's settings regarding cookies. Please note that without cookies, you may not be able to take full advantage of all of the website's features.

We may use cookies, among other things, to keep track of any advertisements we may display or to compile aggregate, non-personally identifiable data about website traffic and website interaction so that we can offer better website experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our website visitors. These service providers are not permitted to use information about or from users collected on our behalf, except to help us conduct and improve our business.

Links to Third-Party Websites

The website may also contain links to websites that are not controlled or operated by us. This policy does not apply to such third-party websites and Perpay is not responsible for the content of such websites or the privacy practices of the third parties controlling or operating such websites. We encourage you to request and review the privacy policies of any third parties before disclosing your information such parties or visiting such third-party websites.

Email and Notifications

The website may also contain links to websites that are not controlled or operated by us. This policy does not apply to such third-party websites and Perpay is not responsible for the content of such websites or the privacy practices of the third parties controlling or operating such websites. We encourage you to request and review the privacy policies of any third parties before disclosing your information such parties or visiting such third-party websites.

Product Reviews

If you review a product on our site, this review may be posted on our site or associated social media sites in order to help other customers make informed purchase decisions. By completing a product review, you grant and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content in any form and at any location.

Children's Privacy

The website is intended for persons 18 years of age and older. We do not knowingly collect personal information from persons under 18 years of age. Accordingly, the provisions of the Children's Online Privacy Protection Act do not apply to the website. We encourage all parents and guardians to talk to their children about online safety and privacy and to monitor their children's use of the internet and mobile applications.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state charged with overseeing privacy rights for consumers.

Modifications to This Policy

Perpay reserves the right to make changes to this policy at any time and from time to time and by using or accessing the website, you agree that we may modify this policy at any time without prior notice. Any modification is effective immediately upon posting on the website. Your continued use of the website after any modification of this policy indicates your acceptance of the modification and the policy as so modified. You will know if this privacy policy has been modified since your last visit to the website by referring to the last modified date at the end of this page. Notwithstanding the above, we will seek your consent to future modifications to the extent we are required to do so by applicable law.

How You Can Contact Us

You may email us at to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you have questions or concerns regarding this policy, please contact us by emailing us at

This privacy policy was last modified on July 26, 2016.

Your California Privacy Rights

Beginning January 1, 2020, the California Consumer Privacy Act (“CCPA”) provides California consumers the right to request that a business disclose what Personal information it collects, uses, discloses, and sells.

CALIFORNIA INFORMATION If you are a California resident, you have certain rights with respect to your personal information. Those rights and how you may exercise them are described below. The fact that you have elected to exercise these rights will have no adverse effect on the price and quality of the products and services we offer.

RIGHT TO REQUEST INFORMATION ABOUT DISCLOSURE TO THIRD PARTIES FOR THEIR DIRECT MARKETING PURPOSES. You may request information about our disclosure of personal information to third parties or affiliated companies for their direct marketing purposes. To make such a request, please email us at Please allow up to 30 days for us to process your request. You may submit such a request once per year.

RIGHT TO KNOW. You may request that we provide you for the last 12 months a list of the categories of personal information we have collected about you, the categories of sources from which it was collected, the business purpose for collecting or “selling” the information, and the categories of “third parties” to whom we disclosed or “sold” that information. You may also request that we provide you in machine readable format a copy of the specific pieces of personal information we have collected about you in the past 12 months. You may make a request to know up to two times in a 12-month period, subject to limitations described in the law. For a list of general categories of information that we have collected and shared in the past 12 months, see the “Information We Collect About You” and “Information We Share” sections of our Privacy Policy at

RIGHT TO DELETE. You may request that we delete any personal information that we have collected from you. However, the law exempts certain information from deletion. For example, we may keep information necessary for security and fraud detection. We also may keep information needed to provide you goods or services. For example, if you ask us to delete your data but retain your ability to purchase on Perpay, we will keep the information we need to continue providing you the ability to set up and manage your payments. When we respond to your request to delete, we will explain what (if any) information we have kept and why. Please note that the law does not consider anonymized or pseudonymized information to be “personal information,” and we may “delete” your information by anonymizing or pseudonymizing it. Information required to provide “consumer reports” as outlined under the Fair Credit Reporting Act (FCRA) is also excluded from deletion.

NON-DISCRIMINATION. You have the right to be free from discrimination for using these rights. We will not deny you goods or services, charge you different rates, or give you different discounts because you used one of these rights.

HOW TO MAKE A REQUEST. You may make a request to know or delete by emailing or by calling (215) 834-4200. When you make a request, we will take steps to verify your identity before responding. This is to protect your information. We will ask you to provide us your email and physical address. If you maintain an account with us, these must match the addresses connected to your account. We will then send you a physical letter to this address with a one-time code. You must then log-in to Perpay and provide the one-time code to us via our live chat service. Once you do, we will respond to your request.

AUTHORIZED REPRESENTATIVES. You may also designate an authorized representative to make data subject rights requests on your behalf. We will require verification that you did in fact authorize the representative. Unless the law requires otherwise, your authorized representative must provide contact details for you. We will contact you to confirm that you authorized the representative. Once you confirm, we will promptly respond to the rights request.

CONTACT FOR MORE INFORMATION. If you have questions please contact

RIGHT TO OPT OUT OF “SALE” OF PERSONAL INFORMATION If you are a California resident, you have the right to opt out of the “sale” of your personal information to “third parties.”

Sale is defined very broadly. The law defines “sale” more broadly than you might think. It doesn’t just include the exchange of data for money. Instead, it covers any transfer of personal information to a “third party” in exchange for “other valuable consideration.”

We do not transfer your information to third parties in exchange for money and we will not do so. However, we do transfer personal information to certain third parties in order to operate our business (for example, to market our products and services). It is possible that someone could claim that this transfer was in exchange for “other valuable consideration.” We want to be careful with and respectful of your information. Therefore, if you opt out, we will not transfer your information to any “third party” except as explained below (and allowed by law).

Opting out may have impacts you don’t expect. Any transfer of data to a “third party” may be considered a “sale” of data. The law considers any other business a “third party” unless that business agrees to specific contractual provisions. We try to get all of the businesses to whom we send information to add this special language to their contracts with us. But not everyone will or can agree to those terms.

As a result, if you opt out of the “sale” of data, we will not be able to send data to some of our business partners. That may mean that, after you opt out, you may not receive all of the marketing and other information you are accustomed to receiving from us. In the extreme, if one of our critical partners cannot agree to the special contract language, and is considered a “third party”, it is possible that some features of our web site or other services may not work for you after you opt out.

In addition, California law prevents us from asking you to “opt in” for a year after you “opt out.” We are allowed to tell you, however, if a specific transaction requires a transfer of data to a third party. We may alert you if a transaction requires a transfer to a third party so that you can opt in if you would like to continue with the transaction.

Minors. We do not “sell” the data of people under 16, and do not intend to collect data related to people who are under 13.

Exceptions to the opt out. The law creates several exceptions that are important for you to be aware of.

We are allowed to transfer data to a “service provider” even if you opt out. The law does not consider that kind of transfer to be a “sale.” A service provider is a business that agrees not to use your information for any purpose other than providing the services specified in our contract. For example, we transfer data to business partners to provide data security and detect fraud. Those businesses are “service providers.” Even if you opt out, we will continue to transfer data to our service providers.

We are also allowed to transfer your data to a third party where you direct the transfer or direct us to interact with the third party. For example, if you direct us to use a specific payment method to pay for your order, even if you have opted out, we will still transfer the data necessary to process your order.

Collecting information and using it ourselves is not a “sale.” Opting out of the “sale” of your data does not prevent us from continuing to collect and process your personal information. You can learn more about how and why we collect personal information in our Privacy Policy at

The “opt out” only applies to “personal information.” This is information that is or is capable of being linked to you. That data is not “personal information.” Opting out will not limit our transfer of that data to third parties.

Technical limitations on opt out. Please note that there are technical limits to our ability to identify data related to you and, if you opt out, to prevent the “sale” of that information to other parties. Where we can reasonably determine that information relates to you and you have opted out, we will not “sell” it to “third parties” (except as allowed by the law). However, we may not be able to determine that information relates to you. In that case, the information may be “sold” to a third party.

Opting out is not unsubscribing. Opting out of the “sale” of personal information will not prevent you from receiving marketing messages from us. If you wish to unsubscribe from our emails, please follow the unsubscribe link in one of our emails. If you wish to unsubscribe from text messages, please follow the unsubscribe process for the program you opted into.

HOW TO OPT OUT. If you would like to opt out of the “sale” of your data, you may email us at, or you may call us at (215) 834-4200.

To use the email or phone number to opt out, you or your authorized representative will need to provide us the email address you wish to opt out. We will then send a message to that address. You must reply from that email address to complete the process. This extra step is to authenticate you and prevent fraud and abuse. If you want multiple email addresses opted out, you must provide each address to us. This is because we have no reasonable way to use a single address you give us to link to other addresses you may have.

MORE ON PRIVACY. We take the security and privacy of your data very seriously. If you would like to learn more about it, please read our Privacy Policy at