Privacy Policy
Last revised: May 18, 2026
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 and Merchants. 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).
Summary
| 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:
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
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. |
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| Questions? Email privacy@chargeafter.com or call (855) 714-1118. |
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| 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
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
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.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other important information | |
| Alaska, California, Illinois, Maryland, Massachusetts, Maine, Mississippi, New Jersey, North Dakota, Virginia, and Vermont Residents: If required by law, we will obtain your affirmative consent before sharing your information outside of ChargeAfter, Inc. except as permitted by law. | |
Categories of sources from which 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; 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 your device using Wi-Fi or cellular technology in your device, or by using IP address, or as directly submitted from the consumer, or as made available on publicly available sources
- 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 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 website and Services
- communicate with you, including for marketing the Services and other jointly marketed products, for service-related purposes, or to respond to your requests or inquiries
- communicate with you regarding your transactions, including via SMS messages (sent either by us or the merchants you purchase products or services through)
- meet legal and regulatory requirements
- comply with contractual obligations, industry standards, and our policies
- administrative purposes, such as internal accounting, and quality control
- 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
- create de-identified and aggregated information
- protect the security and integrity of our databases and Services
Some of the Personal Information we collect about you, such as your Government Identifiers, are considered Sensitive Personal Information under the CCPA and other privacy laws; we only use such Sensitive Personal Information to provide you with the services you request from us.
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
Except as noted below, we share Personal Information with third parties. In the preceding twelve (12) months, we have disclosed the categories of Personal Information described above to the following categories of recipients:
- our affiliates in the ChargeAfter group of companies, including where we jointly offer products or services
- our vendors and service providers (for example, providers of software, data management and storage, data analytics, hosting, sales and marketing support, product engineering and design, customer support, payment partners, anti-fraud and security, phone carriers who allow us to send you SMS messages and other service providers who help us with parts of our business operations) for business purposes. When we disclose Personal Information for a business purpose, we enter into a contract with the recipient that describes the purpose for the disclosure and requires the recipient to keep the Personal Information confidential and not use, disclose, or retain it for any purpose other than performing the services specified in the contract (and as otherwise permitted under the CCPA)
- financial institutions with whom we have joint marketing agreements (for example, where we jointly offer products or services)
- Merchants whose products or services you purchase with financing from ChargeAfter
- non-affiliated third parties that market financial services (including where you have directed or consented to such sharing, where required by applicable law)
- Third-party marketing partners
- law enforcement, government officials, regulators, courts, competent authorities, 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 investigate, prevent, or take action regarding illegal activities, suspected fraud, cybersecurity threats, situations involving potential threats to the physical safety of any person, violations of this policy, or to otherwise 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
- unaffiliated third parties for marketing purposes, where permitted by law and subject to your choices and consents where applicable
Certain states that require us to obtain your affirmative consent before we can share your nonpublic personal information with unaffiliated third parties who do not assist us in servicing you. We comply with these requirements.
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 may also limit our sharing of your Personal Information in other ways, described below.
To discontinue marketing communications from us, or to discontinue sharing your Personal Information for non-affiliates to market to you, contact us using the contact information below. 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.
You may unsubscribe from marketing emails by clicking the “Unsubscribe” link in the email footer or by contacting the sender.
You may 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, as described in the following section of this privacy policy. Such cookies provide us with analytics and intelligence which we may use to provide targeted ads.
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.
In addition, you may opt out of certain interest-based advertising by using the following resources:
- You may opt-out of tracking and receiving tailored advertisements on your mobile device by some mobile advertising companies and other similar entities by downloading the App Choices app at www.aboutads.info/appchoices.
- You may opt-out of receiving permissible targeted advertisements by using the NAI Opt-out tool available at optout.networkadvertising.org or visiting About Ads.
- You may opt-out of having your activity on our Products made available to Google Analytics by installing the Google Analytics opt-out add-on for your web browser by visiting: tools.google.com/dlpage/gaoptout.
- You may 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.
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
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.
Notice of the Sale or Sharing of Personal Information
While we do not ‘sell’ Personal Information, some of our interest based advertising may be considered a ‘sharing’ of Personal Information (according to the CCPA definition of “sell” or “sharing”). You have the right to opt-out of the sharing of Personal Information (see below for more information on how to exercise this opt-out right). You will not be required to create an account for exercising the opt-out right.
- In the following 12 months, we shared the following categories of personal information:
- Identifiers (online) associated with a device used to interact with our digital properties or advertisements (such as a device identifier; cookies, beacons, pixel tags, mobile ad identifiers and similar technology).
- Internet and other electronic network activity information associated with a device used to interact with advertisements.
- The categories of third parties that we sell or share your personal information with are:
- Third parties for cross-behavioral advertisements, such as Facebook, Google, and LinkedIn. 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 do not knowingly or intentionally sell or share the Personal Information of consumers under the age of 16 if we have actual knowledge of the individual’s age.
Notice of Financial Incentives
- We do not currently offer financial incentives; however, if we offer any CCPA-permitted financial incentive in the future, it will reasonably relate to your Personal Information’s value and contain written terms that describe the program.
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.
ChargeAfter does not knowingly share for targeted advertising purposes the personal information of minors under 16 years of age.
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 customers
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.
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: (855) 714-1118
Mailing Address: ChargeAfter, 12 W 27th St, Floor 11, New York, NY 10001
California Specific Provisions
Our prior collection, use and sharing of Personal Information
The CCPA, to the extent it applies to us and to you, would require us to give you specific information about the categories of Personal Information we collect about you, the sources from which we have obtained that information, the purposes for which we collect it and the categories of entities with whom we share it. This table sets out our relevant practices over the last twelve months. Our collection, use and disclosure of Personal Information depends on your relationship and interaction with us.
| Category of Personal Information | Categories of Sources From Which Collected | Business or Commercial Purpose for Collecting and Sharing | Categories of Third Parties and Other Entities With Whom We May Share |
|---|---|---|---|
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“Shine the Light”
California’s “Shine the Light” law permits California residents to request certain information regarding our disclosure of personal information, as defined by California Civil Code § 1798.83, to third parties for their own direct marketing purposes. If you are a California resident, you may request information about our compliance with Shine the Light using the contact information below.
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.
Your rights as a California resident
Under the CCPA, California residents have the right to, such rights apply to you to the extent that the CCPA applies to us and to you:
- 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 correction of inaccurate personal information
- 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
- contact the California Privacy Protection Agency, or the California Attorney General regarding concerns with the CCPA (we ask that you please attempt to resolve any issues with us before you contact your local supervisory authority and/or relevant institution)
- request that a business not sell Personal Information about the consumer to third parties
- request to limit the use of sensitive personal information where used for purposes other than the provision of the services such information was provided for
To submit requests to exercise the rights described above, please use the contact information below. 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. The Privacy Rights conferred by the CCPA are not absolute, and in certain cases we may decline your request as permitted by law.
Authorized agents may make requests under the California Consumer Privacy Act on behalf of consumers by using the contact information below. We will require authorized agents to provide proof of the consumer’s designation of the authorized agent for the purpose of making the request, and we will require authorized agents to provide information necessary to verify the identity of the consumer who is the subject of the request. We may also require that a consumer verify their own identity directly with us before we respond to an authorized agent’s request.
You have the right not to receive discriminatory treatment by ChargeAfter for the exercise of the privacy rights described above.
Do Not Sell nor Share My Personal Information
If you do not want us to ‘share’ your Personal Information (as such term is defined under the CCPA) to third parties, you may do so by contacting us at privacy@chargeafter.com. After you opt-out, we may continue to share some Personal Information with our partners (who will function as our service providers in such instance) to help us perform business-related functions such as, but not limited to, providing the Service, ensuring that the Service is working correctly and securely. Additionally, although utilizing the “Do Not Sell nor Share My Personal Information” option will opt you out of the sale of your Personal Information for advertising purposes, it will not opt you out of the use of previously collected and sold Personal Information or all interest-based advertising. If you would like more information about how to opt-out of interest-based advertising in desktop and mobile browsers on a particular device, please visit http://optout.aboutads.info/ and http://optout.networkadvertising.org/. You may also download the App Choices app at http://www.aboutads.info/appchoices to opt-out in connection with mobile apps or use the platform controls on your mobile device to opt-out. We honor Global Privacy Control (GPC) signals and provide a cookie consent mechanism that allows you to opt in or out of different categories of cookies, including those used for targeted advertising.
Response Timing and Format
- In accordance with the CCPA, our goal is to respond to a verifiable consumer request within 45 days of its receipt. If we require more time, we will inform you of the reason and extension period in writing within the first 45 days period. We will deliver our written response, by mail or electronically, at your option. Any disclosures we provide will cover only the 12-month period preceding the request. If reasonably possible, we will provide your Personal Information in a format that is readily useable and should allow you to transmit the information without hindrance.
- To protect your privacy, we may take steps to verify your identity before fulfilling your request. Subject to legal and other permissible considerations, we will make every reasonable effort to honor your request promptly in accordance with applicable law or inform you if we require further information in order to fulfil your request. When processing your request, we may ask you for additional information to confirm or verify your identity and for security purposes, before processing and/or honoring your request. We reserve the right to charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive (if we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request). In the event that your request would adversely affect the rights and freedoms of others (for example, would impact the duty of confidentiality we owe to others) or if we are legally entitled to deal with your request in a different way than initial requested, we will address your request to the maximum extent possible, all in accordance with applicable law.
- In case of rejection, the response we provide will explain the reasons for which we cannot comply with your request.
- Please note that these CCPA rights are not absolute and requests are subject to any applicable legal requirements, including legal and ethical reporting or document retention obligations.