Privacy Policy

Our Policy

Welcome to the service provided by Penefit, ("Penefit", "we", "us" and/or "our"). This Privacy Policy has been created to provide information about our company, our website and the services we provide (collectively, the "Services") to our users ("you" and/or "your"). This Privacy Policy sets forth Penefit's policy with respect to information, including personally identifiable data ("Personal Data"), which is collected from users of the Services.

Information We Collect:

When you using our Services, we may collect your Personal Data and other information from you, as further described below:

Personal Data That You Provide Through the Services:

We collect Personal Data from you when you voluntarily provide such information such as when you register for access to the Services, use certain Services, contact us with inquiries or respond to one of our surveys. For example, we collect your name, phone number, email address, third party service login credentials, and the messages you send or receive through the Services. Wherever Penefit collects Personal Data we make an effort to provide a link to this Privacy Policy.

By voluntarily providing us with Personal Data, you are agreed to our use of it in accordance with this Privacy Policy. If you provide Personal Data, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Penefit and the authorized third parties referred to herein.

Non-Identifiable or Aggregated Data:

When you interact with Penefit through the Services, we also receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot be used to specifically identify you ("Non-personal Data"). Penefit may store such information itself or such information may be included in databases owned and maintained by Penefit affiliates, agents or service providers. We may use such information and pool it with other information to track, for example, the total number of visitors or users of the Services, the number of visitors to each page of our website, the domain names of our visitors' Internet service providers, and how our users use and interact with the Service. Also, in an ongoing effort to better understand and serve the users of the Services, Penefit may conduct research on its customer demographics, interests and behavior based on the Non-Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis. Penefit may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes. As described below, this Non-personal Data may be shared with the Brand Owners whose reward program in which you are participating in order to enhance your experience with your participating Brand Owners.

In operating the Services, we may also use a technology called "cookies." A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Our cookies help provide additional functionality to the Services and help us analyze Services usage more accurately. For instance, our Services may set a cookie on your browser that allows you to access the Services without needing to remember and then enter a password more than once during a visit to the Services. In all cases in which we use cookies, we will not collect Personal Data except with your permission. On most web browsers, you will find a "help" section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service's features.

Our Use of Your Personal Data and Other Information:

Penefit uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to obtain access to the Penefit Services, we will use your Personal Data to provide you with access to such services and to monitor your use of such services. Penefit and its subsidiaries and affiliates (the "Related Companies") may also use your Personal Data and Non-Personal Data collected through the Services to help us improve the content and functionality of the Services, to better understand our users, and to improve the Penefit Services. Penefit and its Related Companies may use this information to contact you in the future to tell you about services we believe will be of interest to you. If we do so, each communication we send you will contain instructions permitting you to "opt-out" of receiving future communications. In addition, if at any time you wish not to receive any future communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below.

If Penefit intends on using any Personal Data in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.

Our Disclosure of Your Personal Data and Other Information:

Penefit is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Data and Non-personal Data with certain third parties without further notice to you, as set forth below:

Brand Owners:

To the extent you participate in loyalty programs with participating brand owners (the "Merchant(s)"), we may provide such Brand Owners with only the Non-personal Data

    1. in order for the Brand Owner to redeem and validate your reward, send you customized offers, troubleshoot redemption and combat fraud,
    2. as part of legal proceedings affecting Penefit and the Brand Owner,
    3. to facilitate a direct relationship between the Brand Owner and you
    4. to enable the Brand Owner to communicate electronically with you with respect to rewards related to such Brand Owner.

Business Transfers:

As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data and Non-Personal Data may be part of the transferred assets.

Related Companies:

We may also share your Personal Data with our Related Companies for purposes consistent with this Privacy Policy.

Agents, Consultants and Related Third Parties:

Penefit, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include maintaining databases, sending emails and SMS messages, offering and developing certain features of the Services, and maintenance and security. When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function. We also disclose automatically collected data (card scans, promotional activities, and redemption information) to our Brand Owner, third-party ad servers and advertisers. These third parties may match this data with information that they have previously collected about you under their own privacy policies, which you should consult on a regular basis.

Legal Requirements:

Penefit may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to:

With the Ability to Opt-Out:

We do not share Personal Data or Non-Personal Data with other third-party organizations for their marketing or promotional uses without your consent except as part of a specific program or feature for which you will have the ability to opt-out.

Your Choices:

You can use our website without providing any Personal Data. If you choose not to provide any Personal Data, you may not be able to use certain Services.

Exclusions:

This Privacy Policy does not apply to any Personal Data collected by Penefit other than Personal Data collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to Penefit through the Services or any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as public forums (collectively, "Public Areas"), any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, "Unsolicited Information"). All Unsolicited Information shall be deemed to be non-confidential and Penefit shall be free to reproduce, use, disclose, distribute and exploit such Unsolicited Information without limitation or attribution.

Children:

Penefit does not knowingly collect Personal Data from children under the age of 18. If you are under the age of 13, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children's Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data on the Services without their permission. If you have reason to believe that a child under the age of 13 has provided Personal Data to Penefit through the Services, please contact us, and we will endeavor to delete that information from our databases.

Links to Other Web Sites:

This Privacy Policy applies only to the Services. The Services may contain links to other web sites not operated or controlled by Penefit (the "Third Party Sites"). The policies and procedures we described here do not apply to the Third Party Sites. The links from the Services do not imply that Penefit endorses or has reviewed the Third Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Security:

Penefit takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet, email, mobile or other electronic transmission is ever fully secure or error free, so you should take special care in deciding what information you send to us in this way.

Other Terms and Conditions:

Your access to and use of this Services is subject to Penefit's Terms of Use located at https://web.penefit.com/terms

Changes to Penefit's Privacy Policy:

The Services and our business may change from time to time. As a result, at times it may be necessary for Penefit to make changes to this Privacy Policy. Penefit reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

Contacting Penefit

Please also feel free to contact us if you have any questions about Penefit's Privacy Policy or the information practices of the Services. You may contact us at team@penefit.com.