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 * SOLUTIONS
   
   * * * BUSINESS TYPES
         
         Small Businesses
         
         For those businesses are just getting started and have less history.
         Typically 1-20 employees.
         
         Midsize Businesses
         
         For those businesses who've been at it for a while, and are between
         21-500.
     
     * * INDUSTRIES
         
         Construction
         
         For construction companies looking to streamline budgeting and expense
         management processes.
         
         Technology
         
         For fast-paced software businesses that need a platform that can keep
         up with their growth.
         
         Accounting Firms
         
         For accounting firms to streamline the spend and expense management of
         your clients making life easier for you and them.
         
         All Industries >
         E-commerce and Retail
         
         For e-commerce and retail companies that value uninterrupted
         advertising for their campaigns.
         
         Healthcare
         
         For healthcare providers to increase control over their finances with
         minimal time investment.
 * PRODUCTS
   
   * * * OVERVIEW
         
         Business Credit
         
         Fast and flexible credit for businesses of all sizes. Apply for a
         credit line in minutes.
         
         Spend Management
         
         Budgeting software that helps you take control of your budgets and
         spend smarter.
         
         Expense Management
         
         Expense management software that helps to simplify and streamline your
         expenses.
         
         AP Automation
         
         Intelligent accounts payable software that reduces time spent on AP by
         50%.
     
     * * FEATURES
         
         Virtual Cards
         
         Protect your business from fraud and overspending with Divvy virtual
         cards.
         
         Reimbursements
         
         Out-of-pocket expenses, card spend, and reimbursements all in one
         system.
         
         Rewards
         
         Every Divvy customer qualifies to earn rewards from their card spend.
         
         Reporting and Insights
         
         Catch abnormalities and keep your teams accountable with Divvy's
         reporting tools.
         
         Accounting Integrations
         
         Preserve your accounting processes with our built-in software
         integrations.
         
         Mobile App
         
         4.7/5 rated mobile app that brings budgets, virtual cards, and more
         into a single app.
         
         Payments Services
         
         Streamline your payables process with Divvy's free vendor payment
         solution.
 * PRICING
 * RESOURCES
   * All Resources
   * Guide to Business Finances
   * Business Templates
   * Blog
   * Product Updates
   * Case Studies
   * Help Center
   * Partners
   * Referral

Menu
 * SOLUTIONS
   
   * * * BUSINESS TYPES
         
         Small Businesses
         
         For those businesses are just getting started and have less history.
         Typically 1-20 employees.
         
         Midsize Businesses
         
         For those businesses who've been at it for a while, and are between
         21-500.
     
     * * INDUSTRIES
         
         Construction
         
         For construction companies looking to streamline budgeting and expense
         management processes.
         
         Technology
         
         For fast-paced software businesses that need a platform that can keep
         up with their growth.
         
         Accounting Firms
         
         For accounting firms to streamline the spend and expense management of
         your clients making life easier for you and them.
         
         All Industries >
         E-commerce and Retail
         
         For e-commerce and retail companies that value uninterrupted
         advertising for their campaigns.
         
         Healthcare
         
         For healthcare providers to increase control over their finances with
         minimal time investment.
 * PRODUCTS
   
   * * * OVERVIEW
         
         Business Credit
         
         Fast and flexible credit for businesses of all sizes. Apply for a
         credit line in minutes.
         
         Spend Management
         
         Budgeting software that helps you take control of your budgets and
         spend smarter.
         
         Expense Management
         
         Expense management software that helps to simplify and streamline your
         expenses.
         
         AP Automation
         
         Intelligent accounts payable software that reduces time spent on AP by
         50%.
     
     * * FEATURES
         
         Virtual Cards
         
         Protect your business from fraud and overspending with Divvy virtual
         cards.
         
         Reimbursements
         
         Out-of-pocket expenses, card spend, and reimbursements all in one
         system.
         
         Rewards
         
         Every Divvy customer qualifies to earn rewards from their card spend.
         
         Reporting and Insights
         
         Catch abnormalities and keep your teams accountable with Divvy's
         reporting tools.
         
         Accounting Integrations
         
         Preserve your accounting processes with our built-in software
         integrations.
         
         Mobile App
         
         4.7/5 rated mobile app that brings budgets, virtual cards, and more
         into a single app.
         
         Payments Services
         
         Streamline your payables process with Divvy's free vendor payment
         solution.
 * PRICING
 * RESOURCES
   * All Resources
   * Guide to Business Finances
   * Business Templates
   * Blog
   * Product Updates
   * Case Studies
   * Help Center
   * Partners
   * Referral

 * LOGIN
 * GET STARTED




PRIVACY POLICY

Effective January 1, 2023

Divvy knows the importance of and values the privacy of all its customers. We
agree that how your personal information is collected, used, and shared is
important and we take this responsibility seriously. Our primary goal is to
provide you with exceptional service, and we understand that you may have
questions or concerns regarding your personal information and how it will be
used. This document describes how Divvy collects, transmits, stores, uses,
shares, and erases personal information. If you are a resident of California,
Colorado, Connecticut, Virginia, or Utah, you may have additional rights. To
learn more, review our US State Supplemental Privacy Notice to Residents of
California, Colorado, Connecticut, Virginia, and Utah.

Applicability of Privacy Policy

This privacy policy applies to all information DivvyPay, LLC (along with its
affiliates, successors, and assigns, “Divvy”, “we”, “us”) collects through our
web and mobile applications from Divvy users, including you. This Privacy
Policy, or its future variations, will continue to apply if your use of our
Services is discontinued by either you or Divvy. This policy only applies to the
Divvy Service(s) and does not apply to the practices of any other partner or
third-party provider.

In this policy, the term “personal information” is used to describe information
that can be associated with, and can be used to identify, an individual. We do
not consider personal information to include:

 * Information that has been anonymized so that it does not identify a specific
   user.
 * Publicly available information from government records, de-identified or
   aggregated consumer information.
 * Information excluded from the CCPA’s scope.

The Information We Collect

The Divvy products you use and how you use them dictates which information is
collected. Divvy collects personal information when you use our products and
services, including when you:  browse getdivvy.com or use app.divvy.co, apply
for a charge card, create a Divvy account, use our iOS or Android mobile apps,
make a purchase using your physical or virtual Divvy card, communicate with us
(e.g. calling, chatting, or interact with us, including Customer Experience or
Sales interactions), and interact with us at a conference or event.

Information to apply for a line of credit and create a Divvy Account

If you apply for a Divvy account, we need to collect and process a certain
amount of information about you, your business, and individuals associated with
your business to comply with our legal and regulatory obligations and to address
our fraud risks.

Identification Information, including name, email address, telephone number,
home street address, social security number or passport number, date of birth,
business name, business address, business industry, business tax ID, and
business revenue.

Banking Information, including your bank name, account holder name, account
number, routing number, and bank address.

Device and Connection Information, including your IP address, geolocation data,
browser type and version, operating system and other software installed on your
device, unique device identifier and other technical identifiers, performance
data, error reports.

Usage Data, including features you used, settings you selected, your URL
clickstream data (including date and time stamp and referring and exit pages),
and pages you visited on the Service.

Information to use our products and services

Personal information is required to be collected and processed when your
business assigns a credit card to you. To use this service, we will collect
identification information, including your name, email address, and phone
number.

Information when you make a transaction

When a payment is made by you on the Divvy platform, we collect information
about your transaction, including payment method information, purchase amount,
purchase date, purchase location, receipt information, information provided to
us by the card network associated with transactions, merchants, or cardholders. 
The transaction information is received: (i) directly from you; (ii) from the
issuing bank; and/or (iii) from the card networks.

Information automatically processed when you visit our websites or use our
mobile app

In order to facilitate the best financial and security experience for you and
us, personal information is automatically collected when you visit or use our
website and/or mobile app, including browser and device information, device and
connection information, IP address, geolocation data, browser type and version,
operating system and other software installed on your device, unique device
identifier and other technical identifiers, performance data, error reports, and
usage data (such as features you used, settings you selected, URL clickstream
data (including date and time stamp and referring and exit pages), and pages you
visited on the Service).

Cookies and trackers

We and our service providers use cookies and other activity tracking tools to:

 * Provide you services such as those that allow you to chat with our Customer
   Success team
 * Perform website analytics
 * Prevent fraud and prevent attacks against our websites and services
 * Assign you a unique identifier so we can record: (i) websites you visit; (ii)
   length of time the advertisement was visible; and (iii) IP address.

You have the option to block cookies and other activity tracking tools used by
us; however, in doing so, you may limit the functionality and use of certain
features of our services. To block cookies, you can disable them through your
web browser or visit an industry-standard opt-out website like
www.networkadvertising.org/choices or www.aboutads.info/choices.

Information processed when you interact with Divvy

Personal information may be collected about you when you interact with our
customer-facing teams (e.g., Customer Success, Growth, Sales, or Marketing)
through phone calls, chat services, or email, including your name, your email,
phone number, and other contact information, and content of your communications
and survey responses.

How We Use the Information We Collect

Divvy may use or disclose the information we collect for one or more of the
following business purposes:

 * To customize, personalize, measure, and improve our services and the content
   and layout of our website. Our primary purpose in collecting personal
   information is to provide you with a safe, smooth, efficient, fun, and
   customized experience. 
 * To provide the services. For example, if you share your name and contact
   information to apply for or request a product or service, we will use that
   personal information to facilitate your application or respond to your
   request.
 * To provide the customer support you request. For example, if you share your
   name and contact information to ask a question, we will use that personal
   information to respond to your inquiry. 
 * To process transactions and send notices about transactions. For example, if
   you share your name and contact information to conduct a transaction, we will
   use that personal information to assist in properly performing your
   transaction and to notify you about the transaction after its completion. 
 * To send notices about your network activity. For example, by sharing your
   name and contact information, we will use that personal information to notify
   you about your account activity from time to time.
 * To respond to your requests for assistance, including to investigate and
   address your concerns including possible fraud, and to monitor and improve
   our responses.
 * To enforce our user agreement. For example, by sharing your name and contact
   information, we will use that personal information to notify you in the event
   of any prohibited or illegal activity concerning your account.
 * To respond to law enforcement requests and as required by applicable law,
   court order, or governmental regulation.
 * To compare information for accuracy and verify it with third parties.
 * To send you information and updates about new products and services that we
   are offering to customers.
 * As described to you when collecting your personal information.
 * Perform other duties as otherwise required by law including the CCPA.

We will not collect additional categories of personal information or use the
personal information we collected for materially different, unrelated, or
incompatible purposes without providing you notice.

How We Share the Information We Collect

Divvy shares your personal information with our third-party service providers
and business partners as needed to provide, maintain, support, secure, and
improve the Service. Except as described below, when Divvy shares personal
information for a business purpose, Divvy enters into a contract that describes
the purpose for which the information is shared and requires the recipient to
both keep that personal information confidential and not use it for any purpose
except for performing the contracted services.

Sharing within the Divvy network

To process payments on Divvy, we need to share some of your personal information
with the person or company that you are paying or is paying you. Your contact
information, date of sign-up, the number of payments you have received and other
verification metrics like social graph activity may be provided to users or
companies when you transact with, on, or through Divvy.

We work with vendors to enable them to accept payments from you using Divvy. In
doing so, a vendor may share information about you with us, such as your mobile
phone number or Divvy username, when you attempt to pay that vendor. We use this
information to confirm with that vendor that you are a Divvy customer and that
the vendor should enable Divvy as a form of payment for your purchase.

Regardless, we will not disclose your credit card number or bank account number
to anyone you have paid or who has paid you through Divvy, except with your
express permission or if we are required to do so to comply with a subpoena or
other legal process.

Sharing within the Divvy corporate family

We may share your information within our corporate family, including, but not
limited to Bill.com, LLC; Bill.com, Canada LLC; DivvyPay, LLC; zipbooks.com and
any affiliates or subsidiaries of these companies or our parent company,
Bill.com Holdings, Inc. (collectively, “Bill.com Group Companies”) for the
purposes identified in this Privacy Notice.  As we grow and expand our Services
and offer our Services in other countries, we may add to our corporate family.  

Sharing in connection with business transactions or corporate changes

The information that we collect in connection with the Service is a business
asset. As a result, we may share or transfer your information if we or any of
the Bill.com Group Companies enter bankruptcy or are party to a business
transaction, such as a merger, acquisition, reorganization, or asset sale.

Sharing personal information with other parties

Divvy does not share your personal information with third parties for
promotional or marketing purposes.

We may share your personal information with:

 * Law enforcement, government officials, or other third parties if compelled to
   do so by a subpoena, court order or similar legal procedure, when it is
   necessary to do so to comply with law, or where the disclosure of personal
   information is reasonably necessary to prevent physical harm or financial
   loss, to report suspected illegal activity, or to investigate violations of
   the Divvy Terms and Conditions of Use, or as otherwise required by law.
 * Third-party service providers who assist us in providing Services to you or
   who provide fraud detection or similar services on our behalf.
 * Third party service providers who provide any application or sign up process
   for Divvy’s bill pay service, or to facilitate opening or managing or access
   to another Divvy branded product or service;
 * Third party service providers who facilitate transactions and services that
   you request. For example, with regard to Divvy’s bill pay service, Divvy
   shares your personal information with MVB Bank, Inc. for any lawful purpose
   of Divvy and MVB bank, Inc., including:
   * Sharing your information relating to the service, including any application
     or sign up process for the service, to facilitate opening or managing
     another Divvy branded product;
   * Sharing your information relating to another Divvy branded product,
     including the application or sign up process for such product, to
     facilitate your access to the service under this agreement or managing the
     service;
   * Sharing information regarding you in connection with the service, the
     software that permits access to the service, and/or other Divvy branded
     products to detect, prevent, or investigate fraud or illegal conduct and to
     manage other risks;
   * Sharing information to facilitate transactions and services that you
     request; and 
   * Responding to governmental inquiries and legal processes.
 * Third party service providers who assist with governmental inquiries and
   legal processes.
 * Service providers under contract who help with parts of our business
   operations (for example, fraud or illegal conduct detection, prevention and
   investigation, the management of other risks, as well as payment processing,
   or technology services). Our contracts dictate that these service providers
   only use your information in connection with the services they perform for us
   and not for their own benefit.
 * Other third parties, such as accounting software providers, with your consent
   or at your direction to do so.

Information From Person(s) Under the Age of 18

We do not knowingly solicit or collect information from any individuals under
the age of 18. If we learn that we have collected personal information from a
child under age 18, we will delete that information as quickly as possible.

How We Protect and Store Information

We store and process your personal information using third-party servers located
in secure data centers in the United States. The information is protected by
physical, electronic, and procedural safeguards in compliance with applicable US
federal and state regulations. We employ electronic safeguards such as firewalls
and data encryption. We enforce physical access controls to our office and
files. We authorize access to personal information only for those employees who
require it to fulfill their job responsibilities.

We make reasonable efforts to ensure security on our systems. Despite our
efforts, we cannot guarantee that personal information may not be accessed,
disclosed, altered, or destroyed by breach of our administrative, managerial,
and technical safeguards. Therefore, we urge you to take adequate precautions to
protect your personal data as well, including never sharing your Divvy password
with anyone.

If Divvy learns of a systems security breach, we may attempt to notify you
electronically so that you can take appropriate protective steps. Divvy may post
a notice on the website if a security breach occurs. We may also send an email
to you at the email address you have provided to us. Depending on where you
live, you may have a legal right to receive notice of a security breach in
writing. 

Links to other sites

The website application and mobile application may contain links to other sites.
Divvy does not control the information collection of sites that can be reached
through links from our products. We encourage our users to be aware when they
are leaving the applications and to read the privacy statements of any site that
collects personally identifiable information.

Multi-factor authentication communications

Divvy will send one (1) text message per login to users as part of multi-factor
(“MFA”) and the login process. You understand that at any time you can opt out
to stop receiving one-time passcodes via text message. If you wish to stop
receiving text messages for MFA, simply type STOP. In texting STOP, you
understand that you will no longer receive transactional messages containing
one-time passcodes, which may affect your ability to log in to your Divvy
account. Your opt out will only be effective for the mobile device from which
you sent the STOP request and will not cover emails or other communications sent
by Divvy. For questions or assistance concerning opting back in to MFA text
messages, contact support at help@getdivvy.com or by calling 385-352-0374.

Standard messaging and data rates may apply. Carriers are not liable for delayed
or undelivered messages. Not all phone carriers or text message providers may
support this service.

Changes to our Privacy Policy

Divvy is always improving. As the Divvy service evolves, we may occasionally
update this Privacy Policy. If we modify this Privacy Policy, we will post the
revised Privacy Policy to the website, and we will also revise the “last updated
date” stated above. If we make material changes in the way we use personal
information, we will notify you by posting an announcement on our service or by
sending you an email. It is your responsibility to periodically review this
Privacy Policy; users are bound by any changes to the Privacy Policy by using
the service after such changes have been first posted.

Contact Information

If you have any questions or comments about this information, the ways in which
we collect and use your personal information, your choices and rights regarding
such use, or wish to exercise your rights under California law, you may contact
us at privacy@divvypay.com or (855) 229-3111.

US STATE SUPPLEMENTAL PRIVACY NOTICE TO RESIDENTS OF CALIFORNIA, COLORADO,
CONNECTICUT, VIRGINIA, AND UTAH

SOLUTIONS

 * Small Business
 * Midsize Business
 * Construction
 * Technology
 * E-commerce and Retail
 * Healthcare

PRODUCTS

 * Business Credit
 * Spend Management
 * Expense Management
 * Start Your Application

FEATURES

 * Virtual Cards
 * Reimbursements
 * Rewards
 * Accounting Integrations
 * Mobile App
 * Pricing
 * Payments Services
 * Reporting and Insights

RESOURCES

 * All Resources
 * Guide to Business Finances
 * Business Templates
 * Blog
 * Product Updates
 * Case Studies
 * Help Center
 * Partners
 * Referrals

ABOUT

 * Careers
 * Contact Us
 * What’s New
 * Security
 * Privacy Policy
 * Terms & Conditions
 * Accessibility
 * Third Party Requests for Information or Records

© 2023 Divvy. Crafted in UT, USA | NMLS ID 1836522. Card issued by Cross River
Bank, Member FDIC.

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 * facebook
 * linkedin
 * youtube
 * instagram


Close Menu
    * SOLUTIONS
      
      * * * BUSINESS TYPES
            
            Small Businesses
            
            For those businesses are just getting started and have less history.
            Typically 1-20 employees.
            
            Midsize Businesses
            
            For those businesses who've been at it for a while, and are between
            21-500.
        
        * * INDUSTRIES
            
            Construction
            
            For construction companies looking to streamline budgeting and
            expense management processes.
            
            Technology
            
            For fast-paced software businesses that need a platform that can
            keep up with their growth.
            
            Accounting Firms
            
            For accounting firms to streamline the spend and expense management
            of your clients making life easier for you and them.
            
            All Industries >
            E-commerce and Retail
            
            For e-commerce and retail companies that value uninterrupted
            advertising for their campaigns.
            
            Healthcare
            
            For healthcare providers to increase control over their finances
            with minimal time investment.
    * PRODUCTS
      
      * * * OVERVIEW
            
            Business Credit
            
            Fast and flexible credit for businesses of all sizes. Apply for a
            credit line in minutes.
            
            Spend Management
            
            Budgeting software that helps you take control of your budgets and
            spend smarter.
            
            Expense Management
            
            Expense management software that helps to simplify and streamline
            your expenses.
            
            AP Automation
            
            Intelligent accounts payable software that reduces time spent on AP
            by 50%.
        
        * * FEATURES
            
            Virtual Cards
            
            Protect your business from fraud and overspending with Divvy virtual
            cards.
            
            Reimbursements
            
            Out-of-pocket expenses, card spend, and reimbursements all in one
            system.
            
            Rewards
            
            Every Divvy customer qualifies to earn rewards from their card
            spend.
            
            Reporting and Insights
            
            Catch abnormalities and keep your teams accountable with Divvy's
            reporting tools.
            
            Accounting Integrations
            
            Preserve your accounting processes with our built-in software
            integrations.
            
            Mobile App
            
            4.7/5 rated mobile app that brings budgets, virtual cards, and more
            into a single app.
            
            Payments Services
            
            Streamline your payables process with Divvy's free vendor payment
            solution.
    * PRICING
    * RESOURCES
      * All Resources
      * Guide to Business Finances
      * Business Templates
      * Blog
      * Product Updates
      * Case Studies
      * Help Center
      * Partners
      * Referral

 * LOGIN
 * GET STARTED




SOLUTIONS

 * Small Businesses
 * Midsize Businesses
 * Construction
 * Technology
 * Accounting Firms
 * E-commerce and Retail
 * Healthcare


PRODUCT OVERVIEW

 * Virtual Cards
 * Reimbursements
 * Rewards
 * Account Integrations
 * Mobile App
 * Reporting and Insights
 * Payments Services


PRODUCT FEATURES

 * Expense management
 * Reimbursements
 * Subscription management
 * Accounting integrations


PRICING


RESOURCES

 * All Resources
 * Guide to Business Finances
 * Business Templates
 * Blog
 * Case Studies
 * Help Center
 * Partners
 * Referrals

LOGIN GET STARTED



PRIVACY PREFERENCE CENTER




 * YOUR PRIVACY


 * STRICTLY NECESSARY COOKIES


 * PERFORMANCE COOKIES


 * FUNCTIONAL COOKIES


 * MARKETING COOKIES

YOUR PRIVACY

When you visit any website, it may store or retrieve information on your
browser, mostly in the form of cookies. This information might be about you,
your preferences or your device and is mostly used to make the site work as you
expect it to. The information does not usually directly identify you, but it can
give you a more personalized web experience. Because we respect your right to
privacy, you can choose not to allow some types of cookies. Click on the
different category headings to find out more and change your default settings.
However, blocking some types of cookies may impact your experience of the site
and the services we are able to offer.
More information

STRICTLY NECESSARY COOKIES

Always Active

These cookies are necessary for the website to function and cannot be switched
off in our systems. They are usually only set in response to actions made by you
which amount to a request for services, such as setting your privacy
preferences, logging in or filling in forms. You can set your browser to block
or alert you about these cookies, but some parts of the site will not then work.
These cookies do not store any personally identifiable information.

PERFORMANCE COOKIES

Performance Cookies


Performance and analytics cookies collect information that is used in aggregate
form to help us understand how our website is being used and to find out more
about the type of traffic our website receives. This helps us to improve your
and others’ experience of the website.

FUNCTIONAL COOKIES

Functional Cookies


These cookies enable the website to provide enhanced functionality and
personalisation, such as remembering your language and currency preferences.
They may be set by us or by third party providers whose services we have added
to our pages. If you do not allow these cookies then some or all of these
services may not function properly.

MARKETING COOKIES

Marketing Cookies


These cookies may be set through our site by our advertising partners. They may
be used by those companies to build a profile of your interests and serve you
with advertisements we believe are relevant to you and your interests on other
sites you visit. Another benefit of these cookies is that the information
collected can be used to limit the number of times you see an advertisement to
avoid over-exposure.They do not store directly personal information, but are
based on uniquely identifying your browser and internet device. Please note that
if you disable these, you will still see ads; they just won't be tailored to
your interests.

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