Tapcheck Inc. Privacy Policy

Last updated: October 16, 2025

Privacy Policy

This Privacy Policy (the “Policy”) provides information about how Tapcheck Inc. (“Tapcheck,” “we,” “us,” or “our”) collects, uses, and discloses individually-identifiable information (“Personal Information”) about individuals who have signed up for our Services, who otherwise interact with our Services, who are employed by an employer we partner with, or whose information we otherwise receive from one of our Users (collectively, our “Users”). This Policy applies to Personal Information we collect through our website, mobile application, and any other online or offline services we may offer (collectively, our “Services”). This Policy is part of the Website Terms of Service and End User License Agreement that govern your use of the Services.

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Types of Personal Information We Collect

We collect the following categories of Personal Information in conjunction with our Services:

Identifiers, such as name, alias, postal address, unique personal identifier, online identifiers, Internet Protocol address, email address, business contact information, account name, signatures, copies of personally identifying documents, telephone number, or other similar identifiers.
Financial Information, including bank account number, credit card number, debit card number, account balance, transaction history, or any other financial information required to make an earned wage advance or recover the amount of an earned wage advance.
Characteristics of Protected Classifications under state or federal law, such as age, gender, and marital status.
Commercial Information, such as products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or Other Network Information, such as browsing history, search history, information regarding your interactions with our websites or advertisements.
Geolocation Data, such as device location that is more granular than a city or town.
Audio, Electronic, Visual, and Similar Information, such as call and video recordings.
Professional or Employment-Related Information, such as work history, hours worked, salary or hourly wage, paycheck related information, and employer.
Inferences drawn from any of the Personal Information listed above to create a profile or summary about, for example, an individual’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. This category includes Sensitive Data Inferences, which are inferences made by us based on Personal Information, alone or in combination with other data, to indicate your Sensitive Personal Information.
Sensitive Personal Information, including:
a. Personal Information that reveals your:
- i. Social security, driver’s license, state identification card, or passport number;
- ii. Account log-in, financial account number, debit card number, or credit card number in combination with any required security or access code, password, or credentials for allowing access to an account; or
- iii. Precise geolocation that is used or intended to be used to locate you within a small geographic area (less than a radius of 1,850 feet).

To the extent required by law and depending on your state of residence, we may collect consent from you prior to collecting certain categories of Sensitive Personal Information.

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Sources of Personal Information

We collect Personal Information from the following sources:

Directly From You. Tapcheck collects the Personal Information you manually provide when you use our Services. For example, we collect information when you create an account, submit a request for an earned wage advance, send us a message, refer your employer to Tapcheck, sign up for a Tapcheck card account, interact with our social media accounts, or otherwise interact with us. Types of Personal Information we may collect directly from you include, for example, your name, username and password, company name, business contact information, social security number, email address, and phone number.
From Other Users. Tapcheck may collect Personal Information about you from other Users of our Services. For example, we may offer functionality via our Services that allows our Users to invite their colleagues to use Tapcheck. Accordingly, we may receive contact information about you from other Users to allow those Users to send such invitations to you.
From Vendors & Third Parties. Tapcheck collects Personal Information from our vendors and from third parties, including employers, who disclose Personal Information to us. For example, if you create an account with Tapcheck, we will review the Personal Information you provide against Personal Information we receive from your employer to verify your identity prior to providing any earned wage advances to you.
Via Cookies & Other Tracking Technologies. Tapcheck collects Personal Information passively via cookies and other tracking technologies (collectively, “Cookies”). This information typically includes your IP address, the identity of your Internet service provider, the name and version of your operating system, the name and version of your browser, the date and time of your visit, your geolocation, and the pages you visit. For example, we use Google Analytics, a web analytics tool that helps us understand how visitors engage with our Services. To learn more about Google Analytics, visit http://www.google.com/intl/en/analytics/privacyoverview.html.

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How We Use Personal Information

We collect, process, and disclose the Personal Information we collect:

to provide the information, products, and services you request;
to process earned wage advances that you request;
to verify your identity and coordinate with your employer regarding your use of our Services;
for security, credit, or fraud prevention purposes;
to provide you with effective customer service;
to provide you with a personalized experience when you use our Services;
to contact you with information and notices related to your use of our Services;
to provide you information and offers on other features or services that we may provide;
to contact you with special offers and other information we believe will be of interest to you (in accordance with any privacy preferences you have expressed to us);
to invite you to participate in surveys and provide feedback to us (in accordance with any privacy preferences you have expressed to us);
to better understand your needs and interests;
to improve the content, functionality and usability of our Services;
to improve our products and services and to attract investors;
to improve our marketing and promotional efforts;
for our legal and compliance purposes; and
for any other purpose identified in an applicable privacy notice, click-through agreement or other agreement between you and us.

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Steps We Take to Safeguard Your Personal Information

We maintain reasonable administrative, physical, and technological measures to protect the confidentiality and security of Personal Information you submit on or through the Services. Unfortunately, no website, app, or database is completely secure or “hacker proof.” We therefore cannot guarantee that your Personal Information will not be disclosed, misused, or lost by accident or by the unauthorized acts of others.

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How We Disclose Personal Information

We disclose the categories of Personal Information we collect in the following contexts:

Between Our Corporate Group Entities. Tapcheck discloses Personal Information collected through our Services to other entities within our corporate group, including Tapcheck’s subsidiaries, Tapcheck Funding LLC and Tapcheck Funding SPV II LLC.
To Our Vendors. Tapcheck discloses Personal Information collected through our Services with vendors who act on our behalf. For example, we use vendors to operate our Services and help us with our promotional efforts. We impose contractual limitations on our vendors’ use of Personal Information they collect in conjunction with providing services to us.
With Your Employer. Tapcheck discloses certain Personal Information about our Users to their respective employers as part of providing our Services. For example, if you create an account with Tapcheck and request an earned wage advance, we will provide information back to your employer about the earned wage advance so that your employer can reflect the earned wage advance on your paystub and deduct the appropriate amount from your next paycheck.
As Described in a Privacy Notice or With Your Consent. We may disclose Personal Information as described in any privacy notice we provide to you via our Services, or with your consent if we obtain it from you in a particular context.
In Aggregate or De-Identified Form. We may aggregate or de-identify the Personal Information we collect, and we may disclose aggregated and/or de-identified information to our vendors and to third parties for our business operational purposes and for any other purposes permitted by applicable law.

We may also disclose Personal Information in the following contexts:

As Part of a Business Transfer. Your Personal Information may be transferred to a successor organization if, for example, we transfer the ownership or operation of the Services to another organization, if we merge with or are acquired by another organization, or if we liquidate our assets. In negotiating with a third party about entering into such an arrangement, we may need to disclose your Personal Information. In such cases, we will take reasonable measures to protect the Personal Information we disclose, and we will seek assurances that the successor organization’s use of your Personal Information will still be subject to this Policy and the privacy preferences you have expressed to us.
For Compliance with Laws and Protection of Our Rights and the Rights of Others. We may disclose your Personal Information when we, in good faith, believe disclosure is appropriate to comply with the law, a court order or a subpoena. We may also disclose your Personal Information to prevent or investigate a possible crime, such as fraud or identity theft; to protect the security of the Services; to enforce or apply our Website Terms of Service, End User License Agreement or other agreements; or to protect our own rights or property or the rights, property or safety of our users or others.

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Children Under the Age of Thirteen

Our Services are not intended for children or minors under the age of 13. If you believe that a child has submitted Personal Information on or through our Services, please contact us promptly at privacy@tapcheck.com so that we can take appropriate action.

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Links to Other Sites

Our Services may provide links to websites and services operated by third parties. We do not control the content or links that appear on these websites and services, and we are not responsible for their privacy practices. When you visit a third party’s website or use a third party’s services, such use is subject to the third party’s privacy policy and terms of use. We encourage you to review the privacy policy and any applicable terms of use posted on any website you visit or other services you access before providing any Personal Information to that third party.

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Changes to this Policy

This Policy describes Tapcheck’s current policies and practices with regard to the Personal Information we collect through the Services.

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We are continually improving and adding to the features and functionality of our Services. As a result of these changes (or changes in the law), we may need to update or revise this Policy. Accordingly, we reserve the right to update or modify this Policy at any time. When we do so, we will post the revised version of this Policy behind the link marked “Privacy Policy” in the footer of our website. Your continued use of our Services after we have posted the revised Policy constitutes your agreement to be bound by the revised Policy.

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Contact Us

If you have any questions about this Policy or our privacy practices, please contact us using the information provided below:

5850 Granite Pkwy, Suite 1000

Plano, TX 75024
866-697-6016

Email: privacy@tapcheck.com

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Supplemental Privacy Policy for Residents of Certain U.S. States

Last updated: October 16, 2025

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This Supplemental Privacy Policy (the “Supplemental Policy”) provides information about how Tapcheck Inc. (“Tapcheck,” “we,” “us,” or “our”) collects, uses, and discloses Personal Information about residents of California and other states that have enacted comprehensive privacy legislation that applies to us (collectively, “U.S. Privacy Laws”). This Supplemental Policy applies to Personal Information we collect through our website, mobile application, and any other online or offline services we may offer (collectively, our “Services”). It pertains to Personal Information we collect about individuals who have signed up for our Services, who otherwise interact with our Services, who are employed by an employer we partner with, or whose information we otherwise receive from one of our Users (collectively, our “Users”), and it explains how our Users can exercise their privacy rights under U.S. Privacy Laws. Some portions of this Supplemental Policy apply only to residents of particular states. In those instances, we have indicated that such language applies only to those residents.

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Please note that this Supplemental Policy does not apply to individuals with whom we interact in an employment-related context or a business context.

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If you have a disability and need to access this policy in an alternative format, please contact us at privacy@tapcheck.com.

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A. Definitions

“Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal Information also includes “Sensitive Personal Information” that we specifically describe in this Supplemental Policy.
“Sell,” “Sale,” or “Sold” means renting, releasing, or transferring an individual’s Personal Information to a Third Party for money or other valuable consideration.
“Share,” “Shared,” or “Sharing” means transferring an individual’s Personal Information to a Third Party for cross-context behavioral advertising or targeted advertising purposes, whether or not for money or other valuable consideration.
“Third Party” means any non-affiliated person that is not a Vendor.
“Vendor” means a service provider, contractor, or processor which collects, stores, or otherwise handles data for us and is bound by contractual obligations to use your Personal Information only as directed by us.

You may be familiar with different terms that are used to describe materially similar concepts in this section by the U.S. Privacy Laws in your state of residence. You can treat them as the same for the purpose of our Supplemental Policy. For example, we intend the term “Personal Information” here to have the same definition as “Personal Data” used in specific U.S. Privacy Laws.

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B. Collection of Personal Information

We, and our Vendors, collect and have collected in the past 12 months the following categories of Personal Information in conjunction with our Services:

Identifiers, such as name, alias, postal address, unique personal identifier, online identifiers, Internet Protocol address, email address, account name, signatures, copies of personally identifying documents, telephone number, or other similar identifiers.
Financial Information, including bank account number, credit card number, debit card number, account balance, transaction history, or any other financial information required to make an earned wage advance or recover the amount of an earned wage advance.
Characteristics of Protected Classifications under state or federal law, such as age, gender, and marital status.
Commercial Information, such as products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or Other Network Information, such as browsing history, search history, information regarding your interactions with our websites or advertisements.
Geolocation Data, such as device location that is more granular than a city or town.
Audio, Electronic, Visual, and Similar Information, such as call and video recordings.
Professional or Employment-Related Information, such as work history, hours worked, salary or hourly wage, paycheck related information, and employer.
Inferences drawn from any of the Personal Information listed above to create a profile or summary about, for example, an individual’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. This category includes Sensitive Data Inferences, which are inferences made by us based on Personal Information, alone or in combination with other data, to indicate your Sensitive Personal Information.
‍Sensitive Personal Information, including:
a. Personal Information that reveals your:
- i. Social security, driver’s license, state identification card, or passport number;
- ii. Account log-in, financial account number, debit card number, or credit card number in combination with any required security or access code, password, or credentials for allowing access to an account; or
- iii. Precise geolocation that is used or intended to be used to locate you within a small geographic area (less than a radius of 1,850 feet).

To the extent required by law and depending on your state of residence, we may collect consent from you prior to collecting certain categories of Sensitive Personal Information.

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C. Purposes for Processing and Disclosing Personal Information

We, and our Vendors, collect, process, and disclose the Personal Information described in this Supplemental Policy:

to provide the information, products, and services you request;
to process earned wage advances that you request;
to verify your identity and coordinate with your employer regarding your use of our Services;
for security, credit, or fraud prevention purposes;
to provide you with effective customer service;
to provide you with a personalized experience when you use our Services;
to contact you with information and notices related to your use of our Services;
to provide you information and offers on other features or services that we may provide;
to contact you with special offers and other information we believe will be of interest to you (in accordance with any privacy preferences you have expressed to us);
to invite you to participate in surveys and provide feedback to us (in accordance with any privacy preferences you have expressed to us);
to better understand your needs and interests;
to improve the content, functionality and usability of our Services;
to improve our products and services and to attract investors;
to improve our marketing and promotional efforts;
for our legal and compliance purposes; and
for any other purpose identified in an applicable privacy notice, click-through agreement or other agreement between you and us.

To the extent we collect Sensitive Personal Information, we do not use such information for purposes other than those permitted by the California Consumer Privacy Act (“CCPA”) regulations.

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Retention of Personal Information. We retain your Personal Information for the period reasonably necessary to provide goods and services to you and for the period reasonably necessary to support our business operational purposes listed in this Section C.

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Sale & Sharing of Personal Information. We do not Sell or Share, and we have not Sold or Shared in the past 12 months, the Personal Information we collect about consumers. Subject to some exceptions, a “Sale” is the disclosure of Personal Information to a Third Party for monetary or other valuable consideration, and a “Share” is the disclosure of Personal Information to a Third Party for cross-context behavioral advertising or targeted advertising purposes, whether or not for money or other valuable consideration.

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We also do not knowingly Sell or Share the Personal Information of consumers under the age of 16.

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D. Disclosure of Personal Information

We disclose, and we have disclosed in the past 12 months, the categories of Personal Information listed in Section B in the following contexts:

Between Our Corporate Group Entities. Tapcheck discloses Personal Information collected through our Services to other entities within our corporate group, including Tapcheck’s subsidiaries, Tapcheck Funding LLC and Tapcheck Funding SPV II LLC.
To Our Vendors. Tapcheck discloses Personal Information collected through our Services with vendors who act on our behalf. For example, we use vendors to operate our Services and help us with our promotional efforts. We impose contractual limitations on our vendors’ use of Personal Information they collect in conjunction with providing services to us.
With Your Employer. Tapcheck discloses certain Personal Information about our Users to their respective employers as part of providing our Services. For example, if you create an account with Tapcheck and request an earned wage advance, we will provide information back to your employer about the earned wage advance so that your employer can reflect the earned wage advance on your paystub and deduct the appropriate amount from your next paycheck.
As Described in a Privacy Notice or With Your Consent. We may disclose Personal Information as described in any privacy notice we provide to you via our Services, or with your consent if we obtain it from you in a particular context.
In Aggregate or De-Identified Form. We may aggregate or de-identify the Personal Information we collect, and we may disclose aggregated and/or de-identified information to our vendors and to third parties for our business operational purposes and for any other purposes permitted by applicable law.