Ferry Privacy Policy

Last Updated: April 1, 2023

Ferry Pay Inc. (“Ferry,” “we,” “our,” and/or “us”) values the privacy of individuals who use our web applications, mobile application, as well as our related products and services, such as administrator web portals and software on point-of-sale machines that integrate our application (collectively, the “Platform”). This privacy policy (the “Privacy Policy”) applies to users of our Platform (“Users”), including employees and contractors of our partnering merchants (“Employee End-Users”), as well as Users who are administrators of our partnering merchants, set up a corporate banking account on our partnering merchants’ behalf, and use our administrator portal (“Administrators”). This Privacy Policy explains how we collect, use, and disclose information from Users of our Platform. By using our Platform, you agree to the collection, use, disclosure, and procedures this Privacy Policy describes. Beyond the Privacy Policy, your use of our Platform is also subject to our Terms of Service (www.useferry.com/terms-of-service).

In addition to this Privacy Policy, please see our GLBA Privacy Notice (www.useferry.com/glba-notice).

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Information We Collect

We may collect a variety of information from or about you or your devices from various sources, as described below. We also may obtain personal information about you in other ways, such as when you call, mail, or email us. In addition, we may obtain information about you when you transact with your debit card or conduct other business with us in connection with the Service.

A. Information You Provide to Us.

Registration and Profile Information. If you are an employee End-User, and when you sign up for an account to use our Platform, we may collect the following information in order to open a bank account into which your tips and wages can be deposited:

Contact and Profile information, such as full name, cell phone number, email address, postal address, birth date, marital status, sex, and gender;
Government-issued identification information, such as Social Security number or tax identification number, passport or driver’s license data, and other information related to government-issued identification;
Login credentials, such as password, security questions and answers;
Account information, financial history, and transaction information, such as account and routing number and other unique customer identification numbers and logins, debit card information, deposit account balances, transaction history, and income information;
Geographic location information based on services you request (e.g., helping you locate the nearest ATM or finding local rewards and offers);
Other information you choose to provide, such as through contacting or Support team, job application, emails or other communications, social media pages, surveys, registrations and sign-up forms;
We may also ask for additional information, such as your utility bill and bank statement to meet “Know Your Customer” requirements.

Ferry does not store or retain your driver’s license or social security number/ITIN.

If you are an Employer Administrator, and when you sign up for an account to use our Platform, we may collect the following information in order to open a bank account with which you will fund employee tips:

Company information such as company name, your full name, title, company email address, and phone number;
Contact and Profile information, such as full name, cell phone number, email address, postal address, birth date, marital status, sex, and gender;
Government-issued identification information, such as Social Security number or tax identification number, passport or driver’s license data, and other information related to government-issued identification;
Account information, financial history, and transaction information, such as account and routing number and other unique customer identification numbers and logins, debit card information, deposit account balances, and transaction history;

Ferry does not store or retain your driver’s license or social security number/ITIN.

Communications. If you contact us directly, we may receive additional information about you. For example, when you contact us for customer support, we will receive your name, email address, phone number, the contents of a message or attachments that you may send to us, and other information you choose to provide. If you subscribe to our newsletter, then we will collect certain information from you, such as your email address. When we send you emails, we may track whether you open them to learn how to deliver a better customer experience and improve our Services.

B. Information We Collect When You Use Our Platform.

Device Information. We receive information about the device and software you use to access our Platform, including IP address, web browser type, operating system version, phone carrier and manufacturer, device identifiers, mobile advertising identifiers, and push notification tokens.

Location Information. With your consent, we receive your precise location information when you use the Platform. We use your location information to show you local ATMs and to tailor and recommend local offers to you. By using your internet protocol (IP) address, we also infer your general location information.

Usage Information. To help us understand how you use our Platform and to help us improve it, we automatically receive information about your interactions with our Platform, like the pages or other content you view, the searches you conduct, and the dates and times of your visits.

Information from Cookies and Similar Technologies. We and our third-party partners collect information using cookies, pixel tags, or similar technologies. Our third-party partners, such as analytics and advertising partners, may use these technologies to collect information about your online activities over time and across different services. Cookies are small text files containing a string of alphanumeric characters. 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 our Platform.

Please review your web browser’s “Help” file to learn the proper way to modify your cookie settings. Please note that if you delete or choose not to accept cookies from the Service, you may not be able to utilize the features of the Service to their fullest potential.

User Feedback. You may rate and review our Platform. We receive information about ratings and reviews and may feature your reviews on our Platform.

C. Information We Receive from Third Parties.

Bank transaction information. If you are an Employee End-User, we receive information about your banking transactions in the bank account associated with your Ferry account, including your account number, routing number, card number, account balances, the merchants at which you make purchases, the dates and times of your transactions, and the amount you spend. If you choose to provide them, we also collect, but do not store, your login credentials to other banking services to which you connect, and we collect the information made available by such services.

Information provided by our partnering merchants. If you are an Employee End-User, we receive employment-related information from the partner merchant that employs you, including your name, employment status, email address, postal address, phone number, shift data, tips and income earned, hours worked, and entitlement to disbursements. Please refer to the partner merchant that employs you for more information about its information sharing practices.

Payroll information. If you are an Employee End-User and connect Ferry to the payroll processor utilized by the partner merchant that employs you, we receive information that allows us to deposit tips and wages directly into the bank account associated with your Ferry account. If you choose to provide them, we also collect, but do not store, your login credentials for your employer’s payroll platform to enable you to direct your earnings to your bank account associated with Ferry.

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How We Use the Information We Collect

We use the information we collect:

To provide, maintain, improve, and enhance our Platform;
To determine your eligibility to use our Platform;
To personalize your experience on our Platform such as by providing tailored content and recommendations;
To understand and analyze how you use our Platform and develop new products, services, features, and functionality;
To communicate with you, provide you with updates and other information relating to our Platform to provide information that you request, respond to comments and questions, and otherwise provide customer support;
To facilitate the connection of third-party services or applications, such as opening up a bank account and processing payroll information;
For marketing and advertising purposes, such as developing and providing promotional and advertising materials that may be relevant, valuable or otherwise of interest to you;
To generate anonymized, aggregate data containing only de-identified, non-personal information that we may use to evaluate and improve our Platform;
To send you text messages, emails, and push notifications;
To facilitate transactions and payments;
To find and prevent fraud, and respond to trust and safety issues that may arise;
For compliance purposes, including enforcing our Terms of Use or other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency; and
For other purposes for which we provide specific notice at the time the information is collected.

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How We Share the Information We Collect

Vendors and Service Providers. If you are an Employee End-User, we may share any information we receive with vendors and service providers retained in connection with the provision of our Platform.

Banking Partners. If you are an Employee End-User, we share the information necessary to open a bank account with our banking partners, Unit and Thread. Please refer to their privacy policies for information about their data collection, use, and sharing practices.

Marketing. We do not rent, sell, or share information about you with non affiliated companies for their direct marketing purposes, unless we have your permission.

Analytics Partners. We use analytics services such as Google Analytics to collect and process certain analytics data. These services may also collect information about your use of other websites, apps, and online resources. You can learn more about Google’s practices by visiting https://www.google.com/policies/privacy/partners/. To help us understand how you use our Platform and to help us improve it, we automatically receive information about your interactions with our Platform, like the pages or other content you view, the searches you conduct, and the dates and times of your visits.

Advertising Partners. We work with third-party advertising partners to show you ads that we think may interest you. Some of our advertising partners are members of the Network Advertising Initiative (https://optout.networkadvertising.org) or the Digital Advertising Alliance (https://optout.aboutads.info). If you do not wish to receive personalized ads, please visit their opt-out pages to learn about how you may opt out of receiving web-based personalized ads from member companies. You can access any settings offered by your mobile operating system to limit ad tracking, or you can install the AppChoices mobile app to learn more about how you may opt out of personalized ads in mobile apps.

As Required By Law and Similar Disclosures. We may access, preserve, and disclose your information if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others’ rights, property, or safety. For the avoidance of doubt, the disclosure of your information may occur if you post any objectionable content on or through our Platform.

Merger, Sale, or Other Asset Transfers. We may transfer your information to service providers, advisors, potential transactional partners, or other third parties in connection with the consideration, negotiation, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell, liquidate, or transfer all or a portion of our assets. The use of your information following any of these events will be governed by the provisions of this Privacy Policy in effect at the time the applicable information was collected.

Consent. We may also disclose your information with your permission.

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Your Choices

Marketing Communications. You can unsubscribe from our promotional emails via the link provided in the emails. Even if you opt out of receiving promotional messages from us, you will continue to receive administrative messages from us.

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Third Parties

Our Platform may contain links to other websites, products, or services that we do not own or operate. We are not responsible for the privacy practices of these third parties. Please be aware that this Privacy Policy does not apply to your activities on these third-party services or any information you disclose to these third parties. We encourage you to read their privacy policies before providing any information to them.

Security ‍

We make reasonable efforts to protect your information by using physical and electronic safeguards designed to improve the security of the information we maintain. However, as no electronic transmission or storage of information can be entirely secure, we can make no guarantees as to the security or privacy of your information.

‍Children’s Privacy

We do not knowingly collect, maintain, or use personal information from children under 13 years of age, and no part of our Platform is directed to children. If you learn that a child has provided us with personal information in violation of this Privacy Policy, then you may alert us at support@useferry.com.

International Visitors

Our Platform is hosted in the United States and intended for visitors located within the United States. If you choose to use our Platform from the European Union or other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that you are transferring your personal information outside of those regions to the United States for storage and processing. Also, we may transfer your data from the U.S. to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating our Platform. By providing any information, including personal information, on or to our Platform, you consent to such transfer, storage, and processing.

Update Your Information

You can update your account and profile information or close your account through your profile settings. Closing your account will delete the personal information we collect from you and retain that is not related to banking. Employment-related information shared with us from the partner merchant that employs you will be retained after you close your account. If you wish to delete your banking information, please review Unit and Thread’s privacy policies to learn what options you have.

Changes to this Privacy Policy

We will post any adjustments to the Privacy Policy on this page, and the revised version will be effective when it is posted. If we materially change the ways in which we use or share personal information previously collected from you through our Platform, we will notify you through our Platform, by email, or other communication.

Contact Information

If you have any questions, comments, or concerns about our processing activities, please email us at support@useferry.com or write to us at 169 Madison Ave #2387, New York, NY 10016.

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Ferry Gramm-Leach-Bliley Act Privacy Notice, rev. 4/1/2023

FACTS	WHAT DOES FERRY PAY INC. DO WITH YOUR PERSONAL INFORMATION?
WHY?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and Employment Information - Account Balances and Transaction History - Purchase history and Account Transactions
HOW?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Ferry Pay Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does Ferry Pay Inc. share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes— to offer our products and services to you		Yes	No
For joint marketing with other financial companies		No	We don't share
For our affiliates' everyday business purposes— information about your transactions and experiences		No	We don't share
For our affiliates' everyday business purposes— information about your creditworthiness		No	We don't share
For nonaffiliates to market to you		No	We don't share
Questions?		Call 1-424-766-5077 or go to www.useferry.com
Who we are
Who is providing this notice?		Ferry Pay Inc.
What we do
How does Ferry Pay Inc. protect my personal information?		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Ferry Pay Inc. collect my personal information?		We collect your personal information, for example, when you: - Open an account or Provide employment information - Provide account information or Give us your contact information - Give us your wage statements
Why can't I limit all sharing?		Federal law gives you the right to limit only - sharing for affiliates’ everyday business purposes—information about your creditworthiness - affiliates from using your information to market to you - sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Ferry Pay Inc. has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Ferry Pay Inc. does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Ferry Pay Inc. doesn't jointly market.
Other Important Information
Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, or to service your account. California: Under California law, we will not share information we collect about you unless the law allows. For example, we may share information with your consent, or to service your accounts.

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