1. Introduction

Patch Systems, Inc. ("Patch Systems," "we," "us," "our") respects your privacy. This privacy policy explains what personal information we collect when you visit trypatch.com (the "Site"), how we use and share it, and the rights you have.

This privacy policy applies to the Site only. If you become a Patch Systems customer and access a client portal or any Patch Systems product (premium finance, invoice factoring, earned wage access, the Patch Card, workplace loans, or Virtual Healthcare), additional privacy notices will apply, including a Gramm-Leach-Bliley Act ("GLBA") privacy notice provided at account opening.

2. Who we are

Patch Systems, Inc. is a Delaware corporation headquartered at 1321 Upland Dr., Ste 21288, Houston, TX 77043. We can be reached at hello@trypatch.com.

3. Information we collect

3.1 Information you provide directly

When you submit a form on the Site, we collect the information you enter. Depending on the form, that may include:

• First name and last name
• Email address
• Phone number
• State
• Business name
• Industry and number of people on payroll
• Which products you are interested in, or the type of business you run
• The content of your free-form message

We collect this information so we can respond to your enquiry and, if you opt in, send you information about Patch Systems products and services.

3.2 Information collected automatically

When you visit the Site, we and our service providers automatically collect:

• IP address and approximate location, derived from IP
• Browser type and version
• Device type and operating system
• Pages viewed, time spent, referring URL, and clickstream data
• The page you were on before submitting a form, the page the form was submitted from, and where you originally arrived from, including any campaign parameters in the link you followed
• Cookies and similar technologies. See our cookie policy.

3.3 Information from third parties

We may receive information about you from third parties such as:

• Analytics providers, currently Google Analytics 4 and Google Tag Manager
• Site hosting, currently Netlify
• Form processing, currently Fillout
• Other service providers we engage to operate the Site

4. How we use your information

We use your information to:

• Respond to your enquiries
• Send you information about Patch Systems products and services if you opt in
• Operate, maintain, secure, and improve the Site
• Analyze usage and trends
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations and enforce our terms of service

5. How we share your information

We share your information only as described below. We do not sell your personal information for money. Certain disclosures to advertising and analytics partners may be considered "sales" or "sharing" under California and other state laws. See section 9.

Service providers. We share information with vendors who help us operate the Site, including Netlify (site hosting), Fillout (form processing), Google Workspace (email), Google Analytics 4, and Google Tag Manager. They are contractually limited to using the information to provide services to us.

Bank and program partners. If you submit an enquiry about a specific Patch Systems product, we may share your contact information with the bank or program manager associated with that product, including Sunrise Banks, N.A. (workplace loan issuing bank), BeneMoney (workplace loan program manager), Pathward, N.A. (card issuing bank), Dash Solutions (card program manager), Immediate (earned wage access), Dare Capital (factoring), Automated Installment Systems (premium finance servicing), and Legacy Healthcare Solutions (Virtual Healthcare).

Virtual Healthcare enrollment. Enrollment in Virtual Healthcare is completed on a form hosted by Legacy Healthcare Solutions, embedded on our Site. Information you enter on that form is collected by Legacy Healthcare Solutions under its own privacy policy, not by Patch Systems.

Affiliates. We share information with Patch Premium Finance, Inc. and Patch Premium Finance of CA, Inc., which are affiliated entities.

Legal and safety. We may disclose information when required by law, subpoena, or other legal process, or when necessary to protect our rights, property, or safety, or the rights, property, or safety of others.

Business transfers. If Patch Systems is involved in a merger, acquisition, financing, reorganization, or sale of assets, your information may be transferred as part of that transaction.

6. How long we keep your information

We keep form submissions and related communications for as long as necessary to respond to your enquiry and to maintain the business relationship. If you do not become a customer, we generally retain the data for up to 36 months after your last contact, unless a longer period is required by law. Analytics data is retained per the default retention settings of our analytics provider, typically 14 to 26 months.

7. Security

We use commercially reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Children's privacy

The Site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has submitted information through the Site, contact us at hello@trypatch.com and we will delete it.

9. Your rights and choices

Depending on the state where you reside, you may have certain rights regarding your personal information. Patch Systems honors these rights for residents of any U.S. state with applicable privacy law, including California, Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Tennessee, Delaware, New Jersey, New Hampshire, Kentucky, Indiana, Minnesota, Maryland, and Rhode Island.

9.1 Rights you may have

Access or know. You may request information about the personal information we have collected about you and how we use and share it.

Deletion. You may request that we delete personal information we have collected from you, subject to legal exceptions.

Correction. You may request that we correct inaccurate personal information.

Portability. You may request a copy of your personal information in a portable format.

Opt out of "sale" or "sharing." You may direct us not to "sell" or "share" your personal information as those terms are defined under your state's law.

Opt out of targeted advertising. You may opt out of having your personal information processed for targeted advertising.

Limit use of sensitive personal information. California only.

Non-discrimination. We will not discriminate against you for exercising your rights.

9.2 How to exercise your rights

Submit a request by emailing hello@trypatch.com. We may need to verify your identity before fulfilling your request. We will respond within the timeframe required by your state's law, generally 45 days, with extensions where permitted.

If you are a California resident, you may also exercise your right to opt out of "sale" and "sharing" through the Do not sell or share my personal information link in the Site footer.

9.3 California-specific disclosures (CCPA and CPRA)

We collect or may collect the following categories of personal information from California residents.

Identifiers such as name, email, phone, and IP address. Source: directly from you, and automatically. Purpose: responding to enquiries, site operation, and marketing. Shared with: service providers, bank and program partners, and affiliates.

Commercial information such as business name, industry, and number of people on payroll. Source: directly from you. Purpose: responding to enquiries. Shared with: service providers, bank and program partners, and affiliates.

Internet activity such as browsing on the Site, the page you arrived from, and the page a form was submitted from. Source: automatic. Purpose: site operation and analytics. Shared with: service providers and analytics providers.

Geolocation, approximate only, being state and IP-derived location. Source: directly from you, and automatically. Purpose: responding to enquiries and site operation. Shared with: service providers.

Inferences such as interest in Patch Systems products. Source: derived. Purpose: marketing if you opted in, and product matching. Shared with: service providers, and bank and program partners.

We have not knowingly collected sensitive personal information from California residents through the Site.

We do not sell personal information for monetary consideration. We may "share" personal information for cross-context behavioral advertising as defined under the CPRA through analytics and advertising cookies. California residents can opt out of this sharing through the Do not sell or share my personal information link in the Site footer.

9.4 Texas, Virginia, Colorado, Connecticut, Utah, and other states

Residents of these states have rights to access, delete, correct, port, and opt out of targeted advertising and the "sale" of personal information. To exercise these rights, email hello@trypatch.com. If your request is denied, you have a right to appeal by replying to our denial notice.

10. Cookies and tracking technologies

See our cookie policy for details on the cookies and similar technologies we use, and how to manage them.

11. Third-party links

The Site may contain links to third-party websites, including client portals and partner enrollment forms. We are not responsible for the privacy practices of those websites. Review their privacy policies before providing any information.

12. United States only

The Site is operated from the United States and intended for U.S. residents. We do not market the Site to individuals outside the United States. If you access the Site from outside the United States, you do so at your own risk and are responsible for complying with local law.

13. Changes to this policy

We may update this privacy policy from time to time. When we make material changes, we will update the "last updated" date and, where required by law, provide additional notice, such as a banner on the Site or, if you have a relationship with us, an email.

14. Contact us

Questions or requests about this privacy policy:

Patch Systems, Inc.
1321 Upland Dr., Ste 21288
Houston, TX 77043
hello@trypatch.com