Privacy Policy

Last revised: July 11, 2022

At ChargeAfter, we protect you by complying with all applicable privacy and data protection laws.

Please read this Privacy Policy carefully. If you do not agree to this Privacy Policy, please discontinue your interaction with ChargeAfter immediately.  

ChargeAfter, Inc. (together with our affiliates, “ChargeAfter,” “we,” “us,” or “our”) is a technology service provider to businesses that sell products and services to consumers (“Merchants”). We provide Merchants with a proprietary software application (the “Platform”) that connects their consumers with participating credit and leasing providers (together, “Providers”) at the point of sale (the “Services”). Consumers don’t pay for the Services. We aren’t a Merchant. We don’t make loans or offer leases. 

If you accept a financing offer, you will interact directly with the Provider that made the offer. Your legal relationship will be directly between yourself and the Provider and subject to the Provider’s terms, conditions, and privacy policies. We don’t accept, and expressly disclaim, any responsibility or liability for the terms and conditions, privacy policy, or actions or inactions of Providers. For more information on the collection and use of your Personal Information by specific Merchants and Providers, please refer to their privacy policies, which are available on their websites. 

As used in this Privacy Policy, “Personal Information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked with a particular individual or household (including, but not limited to, first and last name, phone number, email address, online identifiers, IP address, and information concerning electronic devices).

Contents

• Federal Privacy Notice
• Agreement
• How we collect Personal Information
• What Personal Information we collect
• Why we collect Personal Information
• How we share Personal Information
• How can you restrict our sharing
• How long we retain Personal Information
• How we protect Personal Information
• Age restrictions
• Links to other websites
• International data transfer
• Changes to the Privacy Policy
• Notice to individuals located outside the U.S.
• Notice to California residents
• ChargeAfter contact information

Federal Privacy Notice

	Rev. March 2023
FACTS	WHAT DOES CHARGEAFTER 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 income information Contact information Transaction information and employment information Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
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 ChargeAfter chooses to share; and whether you can limit this sharing:

Reasons we can share your personal information	Does ChargeAfter 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	Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’ t share
For our affiliates to market to you	No	We don’ t share
For nonaffiliates to market to you	Yes	Yes

To limit our sharing

Email privacy@chargeafter.com or Call (888) 760-3384 – our menu will prompt you through your choices Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Email privacy@chargeafter.com or call (888) 760-3384.

Who we are
Who is providing this notice?	This notice is provided by ChargeAfter, Inc.
What we do
How does ChargeAfter protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with applicable federal law. These measures include computer safeguards and secured files and buildings.
How does ChargeAfter collect my personal information?	We collect your personal information, for example, when you give us your contact information or apply for financing give us your income information or provide employment information; open an account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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. See below for more on your rights under state law.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a ChargeAfter name, such as ChargeAfter Payment Company, Inc. and ChargeAfter Ltd.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates we may share information with include service providers, financial service companies, data processors, and advertisers.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ChargeAfter’ s joint marketing partners include companies that provide consumer financing.
Other important information
Alaska, California, Illinois, Maryland, Massachusetts, Maine, Mississippi, New Jersey, North Dakota, Virginia, and Vermont Residents: We will obtain your affirmative consent before sharing your information outside of ChargeAfter, Inc. except as permitted by law.

Agreement
By visiting the Platform, making use of the Services, using our website, or engaging with our social media, you consent to our information handling practices in accordance with this Privacy Policy. Providing Personal Information or authorizing a third party to disclose Personal Information to us also signifies your consent to this Privacy Policy. You have the right to withdraw your consent, but this may limit our ability to provide you with our Services.

How we collect Personal Information
We collect Personal Information from the following sources:

• from you directly, when you provide your Personal Information to us, such as when you make a purchase from a Merchant that uses our Services and you request a financing offer; when you contact ChargeAfter customer support; when you apply for employment; or when you interact with us via our website (ChargeAfter.com)
• from your device, our Platform, or our website, directly or via third-party providers, which may include the use of Cookies (as detailed below)
• from other third-parties whom you have authorized to disclose Personal Information to us
• from social media partners when you interact with us on their platforms (including Facebook, Instagram, Twitter, and LinkedIn)

What Personal Information we collect
We collect the following Personal Information:

• Personal Identifiers: This includes your name, date of birth, and other similar identifiers.
• Contact Information: This includes your email address, telephone number and other similar information that allows us to communicate with you.
• Government Identifiers: This includes your Social Security number and other similar identifiers.
• Financial Information: This includes income and paycheck frequency, housing status or similar information, credit card details, and bank account details.
• Online and Computer Identifiers: This includes your IP address, MAC address, device type, or other similar identifiers.
• Commercial information: This includes products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies.
• Geolocation Data: This includes any information used to identify your physical location or movements.
• Internet and Application Activity: This includes information regarding the type of the operating system and device used to access the Services, date and time stamp, language preferences, approximate geolocation.
• Audio, Electronic, Visual, or Similar Information: This includes call recordings or similar information.
• Other Information: This includes other information you voluntarily provide.

Why we collect Personal Information
We use the Personal Information we collect to:

• provide, personalize, and improve our Services
• communicate with you, including for marketing, service-related purposes, or to respond to your requests or inquiries
• meet legal and regulatory requirements
• comply with contractual obligations, industry standards, and our policies
• resolve disputes
• enforce this Privacy Policy, the Terms of Use, and any other terms you have agreed to
• protect or enforce the rights, property, and safety of ChargeAfter and others
• protect the security and integrity of our databases and Services

After you have used the Services once, we may prefill your Personal Information on the Platform when you use the Services again, at any Merchant, after authenticating your identity.

How we share Personal Information
We share Personal Information with third parties in the following categories:

• our affiliates in the ChargeAfter group of companies;
• providers of software, data management and storage, data analytics, hosting, sales and marketing, product engineering and design, customer support, anti-fraud, security, and other service providers who help us with parts of our business operations
• law enforcement, government officials, advisors, and other third parties, as needed to help us comply with applicable law; to respond to court orders, regulator requests or other legal process required by law; to defend against legal claims or demands; and when we believe that such disclosure is necessary to protect against threats to any person’s contractual rights, property, or personal safety
• other entities, as needed in the event of a potential or actual change of control, merger, acquisition, purchase of all or substantially all of our assets, consolidation, restructuring, financing, bankruptcy, or comparable event relating to all or some portion of ChargeAfter
• other third parties but only if you consent or direct us to do so

How can you restrict our sharing

You may choose not to provide your Personal Information to us; however, you will not be able to use the Services. You can also limit our sharing of your Personal Information in other ways, described below.

You may unsubscribe from marketing emails by clicking the “Unsubscribe” link in the email footer or by contacting Customer Service. We will still be permitted to contact you for servicing and account-related purposes.
You can modify browser settings to decline cookies, but certain features of the Services may not function properly or may be unavailable if you do. For more information on cookies and how to disable them, consult the information provided by the Interactive Advertising Bureau at www.allaboutcookies.org.

Some cookies that we use are from third party companies, such as Facebook, Google Analytics, and LinkedIn Analytics. These cookies provide us with analytics and intelligence which we may use to provide targeted ads. These companies use programming code to collect information about your interaction with our website, such as the pages you visit, the links you click on and how long you are on our website. For more information on how these companies collect and use information on our behalf, please refer to Facebook’s Data Policy, Google’s Privacy & Terms, and LinkedIn’s Privacy Policy.

We also use the following service providers, among others, to collect internet, application, and network activity information from you when you interact with ChargeAfter. Please use the links below to view their terms of use, privacy policies, and opt out procedures.

• Mixpanel:
  • Terms of Use
  • Privacy Policy
  • Opt out: Mixpanel respects Do Not Track settings in web browsers. Follow the instructions in this guide to prevent your browser from sending data to Mixpanel.
• FullStory
  • Terms of Use
  • Privacy Policy
  • Opt out

Your browser or device may include “Do Not Track” functionality. Note that our information collection and disclosure practices, and the choices that we provide to customers, will continue to operate as described in this Privacy Policy whether or not a Do Not Track signal is received.

Even after you opt-out or update your marketing preferences, please allow us sufficient time to process your marketing preferences. Unless otherwise required to process your requests earlier by law, it may take up to 5 days to process your opt out requests in relation to receipt of electronic marketing materials such as emails and SMS, and up to 30 days for all other marketing-related requests.

How long we retain Personal Information
We will retain Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy and as permitted or required by applicable laws and contracts. As detailed below, we will delete your Personal Information in order to comply with a valid deletion request.

How we protect Personal Information
We have implemented technical, organizational and security measures designed to protect your Personal Information. However, we cannot guarantee the security of Personal Information. In addition, we do not accept responsibility for the security of information that is not within our control, such as when you send it by email or through third-party communication channels. We encourage all individuals to keep watch for communications that are suspicious and report any suspicious activity to us as soon as possible. If you suspect any misuse or unauthorized access to your Personal Information, please let us know immediately.

Age restrictions
The Services are intended for individuals who are at least 18 years of age, or such greater age as is necessary to enter into contracts. If you are under 18 years of age, you may not use the Services. If you believe we may have Personal Information regarding a person under the age of 18, please let us know immediately.

Links to other websites
When you use a link to go to another website or service that is independent from ChargeAfter, our Privacy Policy does not apply. Please consult the privacy policies on these sites before you provide them with any of your personal information. You agree that we are not responsible for the collection, use or sharing of your information by any third party.

International data transfer
We may transfer your Personal Information from the United States to other countries or jurisdictions, in accordance with applicable laws.

Changes to the Privacy Policy
You are responsible for reviewing this Privacy Policy regularly. We may modify the Privacy Policy from time to time, at our sole discretion. If we decide to make material changes, we will notify you by posting those changes to our website and updating the “last revised” date. Unless otherwise stated, any modifications will go into immediate effect after they have been posted. Your continued interaction with ChargeAfter after we post any changes constitutes your consent to the updated Privacy Policy.

Notice to individuals located outside the U.S.
The Services are directed to individuals located in the United States and its territories, and our policies are directed at compliance with applicable laws. If you are located outside the United States or its territories, you should NOT submit personal information to us. If you voluntarily submit personal information to us, you thereby consent to the general use of such information as provided in this Privacy Policy.

Notice to California residents
As a supplement to the above, this section describes how we collect, use and share Personal Information of California residents and their rights with respect to that Personal Information under the California Consumer Privacy Act (“CCPA”). For the purpose of this section, the term “Personal Information” has the meaning given in the CCPA but does not include information exempted from the scope of the CCPA. For example, this section does not apply to personal information covered by the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, or the Fair Credit Reporting Act.

Under the CCPA, California residents have the right to:

• request that a business delete any Personal Information about the consumer which the business has collected from the consumer
• request that a business that collects Personal Information about the consumer disclose to the consumer the following: the categories of Personal Information that it has collected about that consumer; the categories of sources from which the Personal Information is collected; the business or commercial purpose for collecting or selling Personal Information; the categories of third parties with whom the business shares Personal Information; the specific pieces of Personal Information it has collected about that consumer
• request that a business that sells the consumer’s Personal Information, or that discloses it for a business purpose, disclose to the consumer: the categories of Personal Information that the business collected about the consumer; the categories of Personal Information that the business sold about the consumer and the categories of third parties to whom the personal was sold, by category or categories of Personal Information for each third party to whom the Personal Information was sold; the categories of Personal Information that the business disclosed about the consumer for a business purpose
• request that a business not sell Personal Information about the consumer to third parties

We collect Personal Information from the sources described above in the section headed “How we collect Personal Information.” We use Personal Information for the commercial purposes described above in the section headed: “Why we collect Personal Information.” We do not sell personal information. We share Personal Information with the categories of third parties described above in the section headed “How we share Personal Information.”

You are entitled to exercise the rights described above without discrimination prohibited by the CCPA. However, these rights are not absolute, and in certain cases we may decline your request as permitted by law.

To submit requests to exercise your right to information, please contact us. We may not be able to process your request if you do not provide us with sufficient detail to allow us to understand and respond to it. We may need to verify your identity and California residency by requesting government identification, a declaration under penalty of perjury, or other information.

ChargeAfter contact information

If you have any questions, comments, or complaints about this Privacy Policy or you would like to exercise your privacy rights, please do not hesitate to contact us.

Email: privacy@chargeafter.com
Website: https://chargeafter.com/
Telephone: (888) 760-3384
Mailing Address: ChargeAfter, 12 W 27th St, Floor 11, New York, NY 10001