Paidiem Technologies Inc.
USA Privacy Policy

Effective Date: October 24 2024

Last Updated: October 24, 2024

At Paidiem Technologies Inc. ("Paidiem," "we," "us," or "our"), we value your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website at www.paidiem.com ("Website"), our mobile application ("App", together with the Website, the “Platform”), and our services. This Policy is intended to comply with U.S. privacy laws, including the the Gramm-Leach-Bliley Act (GLBA) and other relevant regulations.

1. Who Receives This Privacy Notice?
2. We Collect Your Data When:
3. Categories of Information We Collect
   1. We collect your data when:
   2. Personal Identification Information
   3. Employment and Financial Information
   4. Technical Data
   5. More about Cookies
4. How We Use Your Information
5. Disclosure of Information to Third Parties
   1. Affiliated Entities
   2. Nonaffiliated Third Parties
6. Categories of Information Disclosed
7. Your Rights and Opt-Out Options
   Opt-Out options:
   1. Marketing Communications
   2. Data Sharing Opt-Out
   3. Exercising Your Rights
   4. Opt-Out Validity
8. Protection of Nonpublic Personal Information (NPI)
9. Governing Law
10. Changes to This Privacy Policy
11. Delivery of Privacy Notices
12. Contact Information
13. Summary of Notice Requirements

1. Who Receives This Privacy Notice?

1. Platform Users: Individuals accessing and using the website located at www.paidiem.com (“Website”) or mobile app (collectively, “Platform”).  
2. Individuals whose data may be collected and provided to us by their employer, staffing agency, or payment processor  in order to use or provide Paidiem’s services.  
3. Potential Users: Individuals interacting with our Platform or services (e.g., through inquiries or marketing channels) in order to explore our services. 

All individuals whose personal data is collected—whether directly or indirectly—will receive notice of this Privacy Policy either at the time of data collection or at the time our services are provided, as applicable.

The Paidiem platform and services are not intended for individuals below 18 years of age and we do not intend to collect data related to such children.

2. We Collect Your Data When:

• You register for an account online or utilize any of our products or services;
• You voluntarily complete a survey or provide feedback via email;
• You use or view our website via your browser’s cookies
• Your employer provides or verifies your name, contact information, financial information and transaction data.

We do not collect biometric data or health information. If additional sensitive data is collected in the future, we will update this Privacy Policy accordingly.We collect the following categories of personal data:  

3. Categories of Information We Collect

4. How We Use Your Information

We use your information for the following purposes:  

• Providing services: We process your transactions (payroll, earned wage access, and other services requested by you or your employer) and manage your account.  
• Marketing and Communication: We send updates, offers, or relevant content regarding Paidiem services, as well as information on other products and services that you might like (subject to opt-out preferences).  
• Security: We send messages and codes to your phone for authentication purposes.
• Compliance: To comply with legal obligations, including tax regulations and financial reporting.  
• Improvement of Services: To analyze usage and improve the performance of our Website and services.  
• Fraud Prevention and Security: To protect against fraud, unauthorized access, or legal violations.
  
  

We store your data utilizing industry best practices. Our infrastructure is designed to provide robust security measures, including encryption, access controls, and regular audits. We partner with reputable cloud service providers that have a proven track record in maintaining stringent security protocols to safeguard your data.

Production data is stored in secure data centers. These data centers adhere to the highest industry standards for security, reliability, and data protection, including compliance with applicable regulations.

In the event of actual or suspected data breach, applicable regulators will be informed and procedures adhered to. If you suspect your data has been assessed by unauthorized persons, please contact us immediately.

Paidiem will keep user data for so long as is reasonably necessary to use it for the purposes outlined above. In general, that period of time extends, for regulatory reasons, for five years after you cease using our services.

6. Categories of Information Disclosed

The types of information shared with third parties include:  

• Identification Data: Name, contact information, and employment details.  
• Financial Data: Bank account numbers and payment records for payroll purposes.  
• Technical Data: IP addresses or cookies, shared with analytics and security service providers.

We do not sell personal data to third parties. Should our data-sharing practices change, we will notify you and provide an option to opt out of any future data sales.

7. Your Rights and Opt-Out Options

In general, Paidiem would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to be informed – You have the right to be informed about what personal data Paidiem collects, and the intended use of that data. 

The right to access – You have the right to request Paidiem for copies of your personal data. Upon receipt of your access request, Paidiem will provide a response within 30 days. 

The right to rectification – You have the right to request that Paidiem correct any information you believe is inaccurate. You also have the right to request Paidiem to complete the information you believe is incomplete.

The right to erasure – You have the right to request that Paidiem erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that Paidiem restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to Paidiem’s processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that Paidiem transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you would like to exercise any of these rights, please contact us at our email: support@paidiem.com or call us at: +1 416-907-2002 

If you make a request, we have one month to respond to you.

Opt-Out options:

a) Marketing Communications  

• • You may opt out of receiving marketing emails by following the "unsubscribe" link or contacting us directly.  

b) Data Sharing Opt-Out  

• • You may object to the sharing of your personal data for purposes beyond service delivery. If so, contact us directly and we will prevent sharing of your personal information with any third party beyond those essential to providing the services that you request.

c) Exercising Your Rights  

• • To exercise your rights, contact us at Paidiem Support. Requests will be processed within 30 days.  

d) Opt-Out Validity  

• • Opt-out directions for data sharing will remain valid for five years unless you revoke the request.

8.  Protection of Nonpublic Personal Information (NPI)

We take the confidentiality and security of NPI seriously and implement safeguards, including:  

• Encryption of sensitive financial data.  
• Access Controls to limit who can view personal information.  
• Regular Audits to ensure compliance with U.S. financial data security regulations.  

NPI shared with third parties (e.g., payment processors) is protected by contractual obligations to maintain confidentiality.

9. Governing Law

This Privacy Policy is governed by and interpreted under the laws of Delaware. Any disputes will be subject to the jurisdiction of Delaware, unless otherwise required by applicable law.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. When we make changes, we will notify users through:  

• An email notice to registered users.  
• A prominent notice on the Website or App.
• Users will be required to accept policy changes to continue using the service.

We encourage you to review this policy regularly for updates.

11. Delivery of Privacy Notices

Users are informed of this Privacy Policy: 

• At the time of data collection (e.g., when creating an account or accessing services).  
• Through notifications provided by employers or staffing agencies when data is collected indirectly.  
• By receiving updates within the Platform when the policy changes.

12. Contact Information

If you have any questions or wish to exercise your rights under this Privacy Policy, contact us at:   

Email: Paidiem Support

 support@paidiem.com

Phone: +1 416-907-2002

Mail: Paidiem Technologies Inc.

251 Little Falls Drive

Wilmington, DE 19808

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