Welcome to Wagestream’s Privacy Notice

Effective as of November 4, 2022

This Privacy Policy (“Policy”) describes the privacy practices of Wagestream, Inc. (“Wagestream,” “we”,
“us” or “our”) and how we handle personal information that we collect through www.wagestream.us,
online products, mobile applications, and/or other digital properties (collectively, “Services”).

Wagestream operates a financial wellness platform, enabling employees of its Clients to access their
earned wages, track and save their wages and access independent financial education. Wagestream is a
service provider or processor for these Clients. This Policy applies to our collection of personal
information (i.e. information that may identify, relate to, describe, references, is capable of being
associated with or could reasonably be linked, directly or indirectly, with you or your device).  This
privacy policy applies to our users, including employees or other wage earners, and website visitors.

If you reside in the Europe, please see our UK/EEA-specific Privacy Notice located here.

How Do We Collect Personal Information?

• From you. We may collect personal information and other information that you provide when
  you communicate with us, register for our Services, select marketing preferences, register for
  promotions, or otherwise use our Services.
• From our Clients. We may collect personal information and other information our Clients
  provide to us about you.
• From devices you use when you interact with us online. This includes information collected
  through our Services and automatically from devices you use to connect to our Services. For
  more information about this, please see our “Cookies and similar technologies” section below.
• From third parties and publicly available sources. This includes personal information we collect
  from public sources including, but not limited to websites that enable social sharing, social
  media sites, and from our service providers, vendors, our affiliates, or other individuals and
  businesses.

The Types of Personal Information We May Collect From You

Depending on how you interact with us, we may collect the following information:

• Contact Information such as your name, home address, work address, email address, telephone
  number, or other similar identifiers.
• Biographic and Demographic Information such as date of birth, Social Security Number, .
• Financial and Payment Information such as debit card details, earnings and timecard
  information, gross and net pay, bank account number, payment preferences.
• Account Information such as a username and password for our Services, profile details you
  choose to provide, and feedback and reviews you may leave our Services.
• Internet Usage Information such as geolocation, IP address, interactions with our marketing
  materials, and any other Internet usage information our Services may automatically record
  when you visit.
• Device information such as browser or device model and settings, operating system, and unique
  identifiers.

How We Disclose Personal Information

We may disclose information collected from or about you with any of the following entities and for any
of the following purposes:

• Affiliates. Our corporate parent, subsidiaries, and affiliates, for purposes consistent with this
  Privacy Policy.
• Clients. We may provide personal information to relevant Clients from which we obtained the
  information, and with parties the Client directs us to disclose this information.
• Service Providers and Advertising Partners. We may provide personal information to vendors,
  payment processors, contractors, banking partners, search engine providers, business and
  service partners, or other third parties, such as advertising partners or other marketing partners,
  who provide services to us including analysis firms, advertisers, and others.
• Government, regulatory, or law enforcement agencies. We reserve the right to disclose your
  information to respond to valid information requests from government authorities and judicial
  requests, to investigate potential fraud, or where otherwise required by law. We may disclose
  your personal information where we believe the disclosure is necessary or appropriate to
  comply with regulatory or legal requirements or to protect the safety, rights, or property of
  ourselves and others and to exercise, establish, or defend our legal rights.
• In connection with a merger, acquisition, or business transfer. If we sell all or a part of our
  company, are part of a merger, consolidation, restructuring, sale of company stock, and/or sale
  of assets or other corporate change, your information may be transferred.
• At your direction. We may disclose your personal information at your direction or with your
  consent.
• Business and marketing partners. We may share personal information with business and
  marketing partners with whom we jointly develop or promote our services, including
  sponsorships and co-branded opportunities and promotions.
• Aggregate Data. We may share your personal information in an aggregated or non-identifying
  form or otherwise in a form that cannot reasonably be used to identify you.

Children’s Privacy

You must be 18 years or older to use our Services. Our Services are for a general audience, are not
targeted to children, and do not knowingly collect personal information from children under 18 years of
age.

Links to Third Party Websites

We may provide links to websites and other third-party content (e.g., social media platforms) that are
not owned or operated by us. The websites and third-party content to which we link may have separate
privacy notices or policies. We are not responsible for the privacy practices of these websites.
If you provide any personal information through a third-party site, your interaction and your personal
information will be collected by and controlled by the privacy policy of that third party site. We
recommend that you familiarize yourself with the privacy policies and practices of any such third parties,
which are not governed by this Privacy Policy.

Advertising and Opt-Out Disclosures

When you use our Services, our third-party advertising partners, social media providers and analytics
providers may collect personal information about your online activity on our Services and on third party
websites.

These providers may set web tracking tools (e.g., cookies and web beacons, as discussed further below)
to collect information regarding your online activity. In addition, our advertising partners may use this
information to deliver advertisements to you when you visit third party websites within their networks.
If you would like more information about this practice and to know your choices with respect to it,
please either visit the Digital Advertising Alliance’s opt-out page (currently available
at http://www.aboutads.info/choices/) or the Network Advertising Initiative’s opt-out page (currently
available at http://www.networkadvertising.org/choices/). Please note that you may continue to receive
generic ads that are not based on your preferences.

Information Security

We use commercially reasonable administrative, technical, personnel, and physical measures designed
to safeguard information in its possession against loss, theft and unauthorized use, disclosure, or
modification. However, the confidentiality of information transmitted over the Internet cannot be
guaranteed. We urge you to exercise caution when transmitting personal information over the internet.
We cannot guarantee that unauthorized third parties will not gain access to your information; therefore,
when submitting personal information to us, you do so at your own risk.

Cookies and Similar Technology

We and our partners use various tools to collect data when you visit our sites and apps, including
cookies, pixels, local Storage, and other similar technologies.  Some of these technologies store data in
the browser or on your device. Other technologies may use network-related or other information to
recognize your device (e.g., IP address).  Our Services use these technologies, for example, when you
first request a web page and data is then stored on your computer or other device so the website or
mobile application can access personal information when you make subsequent requests for pages from
that Service.  These technologies may also be used to collect and store information about your usage of
the Services, such as pages you have visited, other content you viewed, and search history.

We and our partners may use also use these technologies to gather personal information about how you
view and use our Services and content, and to connect your activity with other data we store about you. 

We and our partners may collect your personally identifiable information about your online activities
over time and across different websites when you use the Services. The use of these technologies helps
us serve you better by understanding what you’re interested in, tracking trends, measuring the
effectiveness of ads, saving your preferences, and storing information you may want to retrieve on a
regular basis.  We also allow specific, approved partners to collect data from your browser or device for
advertising and measurement purposes using their own similar tools.

Your web browser can be set to allow you to control these technologies, such as whether you will accept
cookies, reject cookies, or to notify you each time a cookie is sent to your browser. If your browser is set
to reject cookies, websites that are cookie-enabled will not recognize you when you return to the
website, and some website functionality may be lost. The Help section of your browser may tell you how
to prevent your browser from accepting these technologies such as cookies. To find out more about
cookies, visit www.aboutcookies.org. Also, certain versions of the Android operating system allow you
to “Opt-out of Ads Personalization” in the system settings. Options you select are browser and device
specific.

Some browsers permit the user to send a “Do Not Track” (“DNT”) preference to websites that the user
visits indicating that the user does not wish to be tracked over time and across websites. Because there
is not yet a common understanding of how to interpret DNT or a common definition of “tracking,” we do
not currently respond to the DNT signal on our websites. We do, however, respond to global privacy
preferences when required by law.

Your Marketing Preferences

We may periodically send promotional materials or notifications related to our Services. If you no longer
wish to receive promotional marketing materials from us, you may opt-out of receiving such materials.
You may unsubscribe from receiving marketing or other commercial emails from us by following the
instructions included in the email. You may unsubscribe from text messages you previously consented to
by following the prompt provided on our messages. We will work to comply with your request promptly.
There are certain service notification and other non-promotional emails that you may not opt-out of,
such as notifications of changes to the Services or policies.

California Shine the Light Disclosure

Under California’s Shine the Light law (California Civil Code Section 1798.83), California residents may
ask companies with whom they have formed a business relationship primarily for personal, family or
household purposes to provide the names of third parties to which they have disclosed certain personal
information (as defined under the Shine the Light law) during the preceding calendar year for their own
direct marketing purposes and the categories of personal information disclosed. You may send us
requests for this information to privacy@wagestream.com. In your request, you must include the
statement “Shine the Light Request,” and provide your first and last name and mailing address and
certify that you are a California resident. We reserve the right to require additional information to
confirm your identity and California residency. Please note that we will not accept requests via
telephone, mail, or facsimile, and we are not responsible for notices that are not labeled or sent
properly, or that do not have complete information.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. Any modifications to this Privacy Policy
will be effective upon our posting the modified version (or as otherwise indicated at the time of
posting). In all cases, your use of the Services after the effective date of any modified Privacy Policy
indicates your acceptance of the modified Privacy Policy.

How to contact us

• Email: privacy@wagestream.com
• Mail: 1201 Wilson Boulevard, Suite 25-135, Arlington, VA 22209