Privacy Policy
Last Updated: February 14, 2024
If you are a visually impaired customer, a customer who has another disability or a customer who seeks support in other language, you may access this Privacy Policy by emailing us at 𝗽𝗿𝗶𝘃𝗮𝗰𝘆@𝗽𝗮𝘆𝘀𝗶𝘁𝘁𝗲𝗿𝘀.𝗰𝗼𝗺
PaySitters, Inc. (“PaySitters,” “we,” “our,” or “us”) is designed to reduce the stress and worry associated with paying bills, and allows you to get the most out of your income. We believe financial stability and mobility allows people to flourish and improves the quality of their lives.
We at PaySitters respect privacy and are committed to protecting your personal information. We use your information to help you achieve your financial goals while giving you choices on how we collect and share it.
1. Scope of This Policy
This Privacy Policy (“Policy”) is meant to help you understand how we collect, use, and disclose your personal information, along with any available rights and choices you have with respect to that information. This Policy applies to the personal information we collect when you use any of our Services that we offer (our “Services”), including visits to our websites, web and mobile applications, and other web-connected services (collectively, the “Site”).
But this Policy does not apply to third-party websites, products, or services, even if they link to our Site. We think you should review the privacy practices of those third parties before connecting to or accessing third party websites and providing any of your personal information. You can go to the 𝗟𝗶𝗻𝗸𝘀 𝘁𝗼 𝗢𝘁𝗵𝗲𝗿 𝗦𝗶𝘁𝗲𝘀 section to learn more about third-party sites.
You should also read our 𝗧𝗲𝗿𝗺𝘀 𝗼𝗳 𝗨𝘀𝗲 to understand how your information will be treated as you make full use of our Site and Services. For more information regarding our information collection, use, and sharing practices as to nonpublic financial information regulated by the federal Gramm-Leach-Bliley Act (“GLBA”), please review our 𝗚𝗟𝗕𝗔 𝗣𝗿𝗶𝘃𝗮𝗰𝘆 𝗡𝗼𝘁𝗶𝗰𝗲.
2. Types of Information We Collect and How We Collect It
As described in this Policy, we may collect and store certain personal information from or about you in order to provide, enhance, market, and offer our services to you. This section describes the categories of personal information we may collect. You may not be required to provide all of the personal information identified in this Policy to access or use our Site and Services. However, please be advised that if you do not provide certain personal information requested by us, we may be unable to provide some or all of our Services to you.
𝗮. 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗬𝗼𝘂 𝗣𝗿𝗼𝘃𝗶𝗱𝗲 𝗨𝘀
Personal information you may provide to us through our Site, in connection with our Services, or otherwise includes:
• 𝗔𝗰𝗰𝗼𝘂𝗻𝘁 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
When you set up a PaySitters account, we may ask you for certain information, such as your first and last name, email address, a username and password that you set to establish an online account with us, third party account identifiers, and any other information that you add to your account.
• 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
When you fill out on online form on our Site or otherwise contact us, we may ask you for certain contact information, such as your first and last name, email address, and phone number.
• 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
We may collect information such as your email address, name, and other personal information you choose to include when you contact us with
questions or feedback, through our customer support service, social media, or that you exchange on or through our Site.
• 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
If you initiate a payment transaction with us or through our Site, you may be required to provide your payment card or payment card or bank account information, including account and routing numbers. When you sign up for a repayment schedule, you may be required to provide [ ].
𝗯. 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗪𝗲 𝗖𝗼𝗹𝗹𝗲𝗰𝘁 𝗪𝗵𝗲𝗻 𝗬𝗼𝘂 𝗨𝘀𝗲 𝗢𝘂𝗿 𝗦𝗶𝘁𝗲
We, our service providers, and our business partners may automatically collect information about you, your computer or mobile device, your activity over time on our Site and other online services, and your interactions with our marketing communications, such as:
• 𝗗𝗲𝘃𝗶𝗰𝗲 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
We may collect information such as your device’s operating system type and version, manufacture, and model, browser type, screen resolution, device type (e.g., phone, tablet), IP address, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and geolocation data.
• 𝗢𝗻𝗹𝗶𝗻𝗲 𝗮𝗰𝘁𝗶𝘃𝗶𝘁𝘆 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
We also may collect information concerning the pages or screens you viewed, how long you spent on a page or screen, the website you visited before our Site, navigation paths between pages or screens, and whether you have opened our marketing emails or clicked links within them.
𝗰. 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗪𝗲 𝗥𝗲𝗰𝗲𝗶𝘃𝗲 𝗙𝗿𝗼𝗺 𝗧𝗵𝗶𝗿𝗱 𝗣𝗮𝗿𝘁𝗶𝗲𝘀
We also collect certain personal information about you from third parties. This information includes;
• 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
We collect information about you when you link your PaySitters account to financial institutions and other third-party data sources (“Financial Data Sources”) or you otherwise give us access to information from those Financial Data Sources to pay your bills. For instance, you may connect your bank or other financial accounts with your PaySitters account. If you do that, we collect financial information such as your account balance and transactions to sync information between these Financial Data Sources and your PaySitters account, and we may also collect credential information to facilitate that integration. Note that we may use third-party data sources to assist in collecting and syncing your information from Financial Data Sources.
• 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗳𝗿𝗼𝗺 𝘆𝗼𝘂𝗿 𝗼𝘁𝗵𝗲𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀.
We may also provide the option for you to register for our Services by linking your account at a third party, such as Apple or Google. If you register for our Services by linking your account at a third party, you are consenting to have the information in those accounts (“Third-Party Account Information”) transmitted into your account with us, and that Third-Party Account Information is covered by this Policy.
• 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗲𝗱 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗼𝘂𝗿 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿𝘀.
We also obtain information from and/or through other sources, such as analytics service providers and security service providers, who provide us with information to secure our systems, prevent fraud and help us protect the security of our Site and Services.
• 𝗦𝗼𝗰𝗶𝗮𝗹 𝗺𝗲𝗱𝗶𝗮 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺𝘀. We may collect personal information from third-party social media platforms and sites, such as when you engage with our social media pages, online communities and forums, and when you mention us on your own or other social media pages, online communities or forums. Please note that online forums may be publicly accessible and other users may view information you post in the forums.
𝗱. 𝗔𝗴𝗴𝗿𝗲𝗴𝗮𝘁𝗲𝗱, 𝗗𝗲-𝗶𝗱𝗲𝗻𝘁𝗶𝗳𝗶𝗲𝗱, 𝗼𝗿 𝗔𝗻𝗼𝗻𝘆𝗺𝗼𝘂𝘀 𝗗𝗮𝘁𝗮
We may create aggregated, de-identified, or anonymous information from personal information by removing certain data components (such as your first and last name, email address, or linkable tracking ID) that makes the data identifiable, or through aggregation, obfuscation, or other means. For example, we may use aggregated, de-identified, or anonymized information to understand how to improve or enhance our Site. Subject to applicable law, our use of such aggregated, de-identified, or anonymized information is not personal information subject to this Policy.
𝗲.𝗖𝗼𝗺𝗯𝗶𝗻𝗲𝗱 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻
Finally, we may combine information that we collect through our Site and Services with information that we receive from other sources, both online and offline, and use such combined information in accordance with this Policy.
3. Why We Collect Your Personal Information
We collect your personal information for the following purposes:
• 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝘆.
We use your personal information to provide, operate, and improve our Services, to communicate with you about our Site and Services, to respond to your inquiries or requests for information, to understand your needs and interests, and personalize your experience with our Site and Service and our communications; and provide support for our Services.
• 𝗠𝗮𝗿𝗸𝗲𝘁𝗶𝗻𝗴 𝗮𝗻𝗱 𝗮𝗱𝘃𝗲𝗿𝘁𝗶𝘀𝗶𝗻𝗴.
We and our third-party advertising partners may collect and use your personal information for marketing and advertising purposes: We may use your personal information, such as your email address or phone number, to send you content, surveys, news, or to otherwise contact you about our Services. You may opt-out of our marketing communications as described in the section titled Your Choices below.
• 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗮𝗻𝗱 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁.
We may use your personal information for research and development purposes, including to analyze and improve our Site and Services and our business.
• 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗮𝗻𝗱 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻.
We may use your personal information to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities; protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); enforce the terms and conditions that govern our Site; and prevent, identify, investigate, and deter fraud and other unlawful or unauthorized activity.
4. Who We Disclose Your Information To
We may disclose your information to the following parties:
• 𝗔𝗳𝗳𝗶𝗹𝗶𝗮𝘁𝗲𝘀.
Subsidiaries and affiliates, for purposes consistent with this Privacy Policy.
• 𝗢𝘂𝗿 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿𝘀.
Companies and individuals that provide services on our behalf or help us operate our Site or Services or our business (such as information technology, hosting, customer relationship management and support, communications delivery, marketing, advertising, and website analytics).
• 𝗢𝘂𝗿 𝗧𝗵𝗶𝗿𝗱 𝗣𝗮𝗿𝘁𝘆 𝗣𝗮𝗿𝘁𝗻𝗲𝗿𝘀.
We share personal information, either directly or through intermediary agents and/or entities (including, lead aggregators and vendors to such businesses), with one or more third-party entities, such as product/service providers, marketers of such products/services, and/or affiliate companies, including as determined by the price such third party entity is willing to pay for the information (collectively, including intermediaries, “Third Party Partners”). For example, we may share personal information with Third Party Partners for their direct marketing purposes. We may also share personal information with Third Party Partners at a point in time after it is initially collected.
• 𝗔𝗳𝗳𝗶𝗹𝗶𝗮𝘁𝗲 𝗮𝗻𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘁𝗿𝗮𝗻𝘀𝗳𝗲𝗿𝗲𝗲𝘀.
If we are involved in a merger, reorganization, dissolution or other fundamental corporate change, or sell a website or business unit, or if all or a portion of our business, assets or stock are acquired by a third party. In accordance with applicable laws, we will use reasonable efforts to notify you of any transfer of personal information to an unaffiliated third party.
• 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝗲𝗻𝘁𝗶𝘁𝗶𝗲𝘀.
Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the compliance and protection purposes described above.
5. Your Choices
You have certain choices with respect to your personal information.
• 𝗔𝗰𝗰𝗲𝘀𝘀 𝗼𝗿 𝘂𝗽𝗱𝗮𝘁𝗲 𝘆𝗼𝘂𝗿 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
If you have registered for an account with us, you may review and update certain account information from your account.
• 𝗢𝗽𝘁-𝗼𝘂𝘁 𝗼𝗳 𝗺𝗮𝗿𝗸𝗲𝘁𝗶𝗻𝗴 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀.
We may use your contact information to send you e-mail messages about updates we make to our Site or Services and promotional offers, or to communicate with you. You may opt-out of receiving these emails by following the unsubscribe link contained in the email message, or by contacting us at 𝗽𝗿𝗶𝘃𝗮𝗰𝘆@𝗽𝗮𝘆𝘀𝗶𝘁𝘁𝗲𝗿𝘀.𝗰𝗼𝗺. Note that you may not be able to opt-out of receiving certain messages from us, including legal notices.
To opt-out of third-party communications, you will need to contact the applicable third party. If you have any questions relating to opting-out, please contact us at 𝗽𝗿𝗶𝘃𝗮𝗰𝘆@𝗽𝗮𝘆𝘀𝗶𝘁𝘁𝗲𝗿𝘀.𝗰𝗼𝗺.
6. How We Protect Your Information
We have taken steps to secure and protect your personal information from loss, unauthorized access, unauthorized disclosure, misuse, destruction, or alteration. However, there is always some risk involved in transmitting information over the Internet, and we cannot fully eliminate security risks associated with the storage and transmission of your personal information.
7. Cookies & Tracking
As we mentioned in Information We Collect When You Use Our Site above, when you access our Site, our servers automatically collect and record certain information to help us administer our Site. We may attach the information to your account to let us remember your preferences and diagnose technical problems.
To collect this information, we use cookies, which are small data files sent by a website and stored on the computer or device when you visit our Site or use our Services. Cookies store information related to your browser and let us recognize your device when you return to our Site and remember your preferences.
Most browsers let you control cookies, including whether or not to accept them and how to remove them. So if you want to block the use and saving your cookies from our Site, you should take the necessary steps within your web browser’s settings. But if you choose to erase or block your cookies, certain parts of our Site may not function correctly.
We may also use tracking pixels or similar collection mechanisms to collect information automatically. Tracking pixels (sometimes referred to as web beacons) are tiny electronic tags with a unique identifier embedded in websites, online ads, or email that collect usage information like ad impressions or clicks and email open rates, measure popularity of our Services and associated advertising; and access cookies.
𝗮. 𝗗𝗼-𝗡𝗼𝘁-𝗧𝗿𝗮𝗰𝗸
Our Site does not support Do-Not-Track functionality. Do-Not-Track is a preference you can set on your web browser to inform websites that you do not want to be “tracked” by third parties. We do not respond to Do-Not-Track Signals as we do not track you when you leave our Site. Our third party service providers, such as those who provide ad serving, retargeting services, and web analytics services to us, may not respond to Do-Not-Track signals. If you come to our Site with a Do-Not-Track signal enabled on such user's browser, we do not look for the Do-Not-Track signal or respond to it.
𝗯. 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁-𝗕𝗮𝘀𝗲𝗱 𝗔𝗱𝘃𝗲𝗿𝘁𝗶𝘀𝗶𝗻𝗴
We do not engage in interest-based advertising. Interest-based advertising (also known as targeted advertising) refers to the practice of collecting information from a computer or device regarding a visitor’s web-browsing activities across non-affiliated websites over time to deliver advertisements that may be of interest to that visitor based on their browsing history. We do not authorize the collection of personal information from our users for third party use through advertising technologies.
8. Links to Other Websites
Our Site contains links to other websites, including social networking websites, mobile applications, or Internet locations (collectively, “Third-Party Sites”), but the fact that we link to a website is not an endorsement or representation of an affiliation with that website. We have no control over and are not responsible for third party websites, their privacy practices, their content, or any goods or services available through the Third-Party Sites. As we mentioned above, this Policy does not apply to Third-Party Sites. Instead, any information you provide to a Third-Party Site is subject to that Third-Party Site’s privacy policy or privacy statement, which should carefully review before using or engaging with any Third-Party Site.
Our Site may also include social network sharing widgets that may provide information to their associated social networks or third-parties about your interactions with our web pages that you visit, even if you do not click on or otherwise interact with the plug-in or widget. Your browser may transmit information about your browser type, operating system, device type, IP address, and the URL of the web page where the widget appears. If you use social networking tools or visit social networking sites, you should read their privacy policies or privacy statements.
9. Children’s Privacy
The Children’s Online Privacy Protection Act was created to protect children under age 13 from unsuspecting acts or practices in conjunction with collecting, using, and disclosing any information about them. Our Site and Services are not directed to or intended for use by children under age 13. We do not knowingly collect or solicit personal information from anyone under age 13, or knowingly allow such persons to register for our services. If we learn that we have inadvertently collected personal information from anyone under age 13, we will delete that data promptly. If you believe that we might have any information from or about an individual under age 13, please contact us at 𝗽𝗿𝗶𝘃𝗮𝗰𝘆@𝗽𝗮𝘆𝘀𝗶𝘁𝘁𝗲𝗿𝘀.𝗰𝗼𝗺.
10. Data Localization & Storage
Our Site is operated in the United States. So if you are located outside of the United States, any information you provide to us will be transferred to, processed, and/or maintained in the United States as necessary to provide you with the requested information and our Services or to perform any requested transaction.
11. Changes to This Policy
This Policy is current as of the Effective Date above. We may change this Policy from time to time, and if we do, we will post any changes at 𝗵𝘁𝘁𝗽𝘀://𝘄𝘄𝘄.𝗽𝗮𝘆𝘀𝗶𝘁𝘁𝗲𝗿𝘀.𝗰𝗼𝗺/𝗽𝗿𝗶𝘃𝗮𝗰𝘆 and edit the date at the top of this page to reflect the date we made the changes.
12. How to Contact Us
If you have questions or comments, or if you have a concern about how we have handled any privacy matter, please call us at [ ]510.200.8173, e-mail us at 𝗽𝗿𝗶𝘃𝗮𝗰𝘆@𝗽𝗮𝘆𝘀𝗶𝘁𝘁𝗲𝗿𝘀.𝗰𝗼𝗺, or write us at [ ]490 43rd Street, #102, Oakland, CA 94609.