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CARDHOLDER AGREEMENT


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FRIDAY PRIVACY POLICY

Last updated: April 2022

This is the Privacy Policy (“Privacy Policy“) that governs how we, DailyPay Inc.
(collectively “DailyPay”, “we”, “our”, or “us”), use personal information that
we collect, receive and store about individuals in connection with the Friday
payment card and related mobile apps, platforms, features, and programs
(collectively, the “Services”).

We have implemented this Privacy Policy because your privacy, and the privacy of
other users, is important to us. This Privacy Policy explains our information
practices and the choices you can make about the way your personal information
is collected, used, and shared in connection with our Services, and in
accordance with our Consumer Privacy Notice at
friday.dailypay.com/legal/privacy-notice.

We have partnered with The Bancorp Bank (“Bancorp”) to offer you banking
services through the Friday card. We share certain information with Bancorp in
connection with your use of the Friday card, and Bancorp will provide its own
privacy notice to you at friday.dailypay.com/legal/bancorp-privacy-notice that
explains how Bancorp uses and shares your information .

1.

About DailyPay. DailyPay is a leading fintech provider that provides innovative
financial products and solutions to consumers, including the Friday card.

2.

Information Collected. We receive and/or collect personal information from or
about you in the following ways:

2.1

Account Application and Creation. In order to use our Services, you are required
to apply for and create a Friday app account (“Account”). In doing so, we may
ask you to provide the following information:

(a)

Contact and biographic information, such as your name, physical address, mailing
address, email address, and phone number.

(b)

Employment information, such as your occupation, income, and details about your
employer.

(c)

Account credentials, such as your username and password.

2.2

Use of the Services. As part of your use of the Services, we may collect the
following information:

(a)

Contact and biographic information (such as your name, Social Security number,
date of birth, physical address, mailing address, email address, and phone
number), and proof of identity documentation (including your government-issued
photo ID, such as a driver’s license or passport), in connection with your
registration for a Friday card account.

(b)

Transaction information, such as your Friday card purchases, transaction history
and account balances.

(c)

Financial information, such as transaction information and account numbers
pertaining to financial accounts you choose to link to the Services.

(d)

Direct deposit information, if you choose to receive your wages directly through
the Services.

(e)

DailyPay app account information, if you wish to link your existing DailyPay app
account to the Services.

2.3

Contact Us Information. If you send us a ‘Contact Us’ request, whether by
calling customer service at (833) 998-2449, or submitting an online form, direct
email to a DailyPay email address, or text message to our company number that we
make available on the website, you may be required to provide us with certain
information such as your name, phone number, and email address

2.4

Third-Party Sources. We may combine personal information we receive from you
with personal information we obtain from other sources, such as:

(a)

Data brokers that provide us with information to allow us to better tailor our
Services to you.

(b)

Financial institutions, including Bancorp and other entities that operate any
financial accounts or products that you connect to the Services.

(c)

Credit reporting agencies that provide us with your credit score and other
relevant financial history.

(d)

Your employer, if you choose to receive your wages directly through the
Services.

2.5

Log Files. We may make use of log files. The information inside the log files
includes internet protocol (IP) addresses, type of browser, Internet Service
Provider (ISP), date/time stamp, referring/exit pages, clicked pages and any
other information your browser may send to us. We may use such information to
analyze trends, administer our Services, track user’s movement around our
Services, and gather demographic information.

2.6

Cookies and Other Tracking Technologies. Our Services may utilize cookies and
other tracking technologies in order for us to provide our Services, to
advertise our Services. A cookie is a small text file that may be used, for
example, to collect information about website and Service activity. Certain
cookies and other technologies may serve to recall information, such as an IP
address, previously indicated by a user. Most browsers allow you to control
cookies, including whether or not to accept them and how to remove them. You may
set most browsers to notify you if you receive a cookie, or you may choose to
block cookies with your browser.

3.

Use of Personal Information. If you submit or we collect personal information
through the Services, then such personal information may be used by us in the
following ways:

3.1

We may use your personal information to provide and improve our Services, create
insights about our users, to contact you in connection with the Services and
certain programs, features or offerings that you may have registered for, to
advertise our Services, and to identify and authenticate your access to the
parts of the Services that you are authorized to access.

3.2

We may use your designated email address or mobile phone number to: (i) send you
updates or news regarding the Services; and/or (ii) respond to a Contact Us or
administrative request (for example, to change your password).

3.3

We may transfer your personal information to our subsidiaries, affiliates, or
vendors in order to provide our Services.

3.4

We may share your personal information with our banking services partner,
Bancorp.

3.5

We may share your name and contact information with other companies that offer
products or services that may be of interest to you.

3.6

We, our service providers and our third-party advertising partners may collect
and use your personal information for marketing and advertising purposes:

Direct marketing. We or our advertising partners may send you direct marketing
communications as permitted by law, including by email. You may opt out of our
marketing communications as described in the Opting Out section below.

Interest-based advertising. We may engage third-party advertising companies and
social media companies to display ads promoting our and other services across
the web. These companies may use cookies and similar technologies to collect
information about your interaction (including the data described above) over
time across the Internet and use that information to serve online ads that they
think will interest our business clients or prospects. This is called
interest-based advertising.

3.7

We may disclose your personal information if we have a good faith belief that
disclosure of such information is helpful or reasonably necessary to: (i) to
administer our Services; (ii) comply with any applicable law, regulation, legal
process or governmental request; (iii) enforce our Terms, including
investigations of potential violations thereof; (iv) detect, prevent, or
otherwise address fraud or security issues; or (v) protect against harm to the
rights, property or safety of DailyPay, our users, yourself or the public.

4.

Use of Anonymous Information. We may create anonymous data from personal
information by excluding information that makes the data personally
identifiable, and use that anonymous data for our lawful business purposes.

5.

Opting In and Opting Out. You may choose to receive promotional and advertising
text messages from us by providing us with your written consent. You may choose
not to receive future promotional or advertising emails or text messages from us
by selecting an unsubscribe link at the bottom of such emails or by texting STOP
to opt out of such text messages. You could also control your notifications in
your Account settings. If you opt out of receiving the foregoing emails or text
messages, we may still send you a response to any Contact Us request as well as
administrative emails (for example, in connection with a password reset request,
an email/text message verification, or a payment-related email/text message)
that are necessary to facilitate your use of our Services.

6.

Do Not Track. Some Internet browsers may be configured to send “Do Not Track”
signals to the online services that you visit. We currently do not respond to
"Do Not Track" or similar signals. To find out more about "Do Not Track," please
visit www.allaboutdnt.com.

7.

Online Tracking Opt-Out. There are a number of ways to opt out of having your
online activity and device data collected:

7.1

Blocking cookies in your browser. Most browsers let you remove or reject
cookies, including cookies used for interest-based advertising. To do this,
follow the instructions in your browser settings. Many browsers accept cookies
by default until you change your settings. For more information about cookies,
including how to see what cookies have been set on your device and how to manage
and delete them, visit www.allaboutcookies.org.

7.2

Blocking advertising ID use in your mobile settings. Your mobile device settings
may provide functionality to limit use of the advertising ID associated with
your mobile device for interest-based advertising purposes.

7.3

Using privacy plug-ins or browsers. You can block our websites from setting
cookies used for interest-based ads by using a browser with privacy features,
like Brave, or installing browser plugins like Privacy Badger, DuckDuckGo,
Ghostery, or uBlock Origin, and configuring them to block third party
cookies/trackers.

7.4

Platform opt-outs. The following advertising partners offer opt-out features
that let you opt-out of use of your information for interest-based advertising:

Google: https://adssettings.google.com

Hotjar: https://www.hotjar.com/legal/compliance/opt-out/

Twitter: https://twitter.com/settings/account/personalization?lang=en

Sailthru: https://getstarted.sailthru.com/audience/managing-users
/user-optout-levels/#Opt-out_Management

7.5

Advertising industry opt-out tools. You can also use these opt-out options to
limit use of your information for interest-based advertising by participating
companies:

Digital advertising Alliance: http://optout.aboutads.info

Network Advertising Initiative: http://optout.networkadvertising.org

Note that because these opt-out mechanisms are specific to the device or browser
on which they are exercised, you will need to opt-out on every browser and
device that you use.

8.

Access/Accuracy. To the extent that you do provide us with personal information,
we wish to maintain accurate personal information. You may use the tools that we
make available on our Services to remove or modify certain information in your
Account.

9.

Links to and Interaction with Third Party Products. Our Services may enable you
to interact with or contain links to your Third Party Account and other third
party websites, mobile software applications and services that are not owned or
controlled by us (each a “Third Party Service”). We are not responsible for the
privacy practices or the content of these Third Party Services. Please be aware
that the Third Party Services may collect personal information from you.
Accordingly, we encourage you to read the terms and conditions and privacy
policy of each Third Party Service that you choose to use or interact with.

10.

Children’s Privacy. Our Services are not structured to attract children under
the age of 13 years. Accordingly, we do not intend to collect personal
information from anyone we know to be under 13 years. If we learn that we have
collected personal information from a child under 13 years, we will delete that
information as quickly as possible. If you believe that we might have any such
information, please contact us.

11.

Security. The security of personal information is important to us. We follow
generally accepted industry standards, including the use of appropriate
administrative, physical and technical safeguards, to protect the personal
information submitted to us. However, no method of transmission over the
Internet, or method of electronic storage, is 100% secure. Therefore, while we
strive to use commercially acceptable means to protect your personal
information, we cannot guarantee its absolute security or confidentiality.

12.

Merger, Sale or Bankruptcy. In the event that we are acquired by or merged with
a third-party entity, or in the event of bankruptcy or a comparable event, we
reserve the right to transfer or assign personal information in connection with
the foregoing events.

13.

Changes to this Privacy Policy. We reserve the right, at our discretion, to
change this Privacy Policy at any time. If we make material changes to this
Privacy Policy, we will notify you by updating the date of this Privacy Policy
and posting it on the Services. If required by law, we will also provide
notification of changes in another way that we believe is reasonably likely to
reach you, such as via email or another manner through the Services. Any
modifications to this Privacy Policy will be effective upon our posting the
modified version (or as otherwise indicated at the time of posting). Your
continued use of the Services thereafter means that you accept those changes.

14.

How to Contact Us. If you have any questions or concerns at all about our
Privacy Policy, please contact us at: legal@dailypay.com.

The Friday by DailyPay Visa®️ Prepaid Card is issued by The Bancorp Bank, N.A.,
Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used
everywhere Visa debit cards are accepted.


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DailyPay makes no representation or warranty regarding the accuracy of the
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Learn more about Friday by DailyPay

Help Center

FAQ

Terms

1Requires employer participation in DailyPay, and election to deposit early
transfers and set direct deposit to the Friday Card.

2Other fees and limits apply. See Cardholder Agreement for details.

The Friday by DailyPay Visa® Prepaid Card is issued by The Bancorp Bank, N.A.,
Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used
everywhere Visa debit cards are accepted.

Friday by DailyPay™ is available to employees of current DailyPay clients who do
not offer Wisely™ Earned Wage Access, PNC EarnedIt or Viventium Pay.




Learn more about Friday by DailyPay

Help Center

FAQ

Terms

1Requires employer participation in DailyPay, and election to deposit early
transfers and set direct deposit to the Friday Card.

2Other fees and limits apply. See Cardholder Agreement for details.

The Friday by DailyPay Visa® Prepaid Card is issued by The Bancorp Bank, N.A.,
Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used
everywhere Visa debit cards are accepted.

Friday by DailyPay™ is available to employees of current DailyPay clients who do
not offer Wisely™ Earned Wage Access, PNC EarnedIt or Viventium Pay.

visit dailypay.com