Online Privacy Policy

Last Updated: June 11, 2024

Highline Technologies Inc., d/b/a Highline (“we,” “us,” “our,” or the “Company”) is dedicated to protecting your personal information and informing you about how we use it. This online privacy policy (the “Privacy Policy” or the “Policy”) is intended to provide information to our visitors and users (“you” or “your”) about how we collect, protect, disclose, and use your information when you use the Highline website https://highline.co, including any subdomain thereof (the “Website”) and/or products and services offered, operated, or made available by, or through, the Company (the Website and products and services of Highline are collectively referred to as the “Services.” Reference to the Services includes any portion of the Services). This Policy also applies to personal information collected in the context of our business relationships as well as offline communications with you, such as calling into customer support. Personal information does not include information that is anonymous, aggregated, or can no longer be used to identify you as an individual. Additional privacy rights and notices apply if you are a California resident. See the section below called Your California Privacy Rights for more information about your rights under California law.

Your use of our Services may include, but is not limited to, your requests for financial products or services provided by third parties, such as our marketplace partners and bank partners. “Third-Party Partners” refers to, but is not limited to, payroll companies, financial institutions, and other service providers to Highline. Any capitalized term that is not defined in this Privacy Policy shall have the meaning given to it in the Terms of Use.

This Privacy Policy only covers the privacy practices of Highline. This Privacy Policy does not apply to the practices of third-party websites, services, or applications, including Highline’s marketplace partners, bank partners or other third parties with which we contract. These services are governed by each third party’s privacy policy. Highline is not responsible for the privacy policies and practices of websites other than that of Highline. Highline is also not responsible for the failure of unaffiliated third parties to honor their privacy obligations. If we provide a link to a third-party website, service, or application, we do not imply that we endorse or have reviewed such websites or services. We suggest that you contact those sites directly for information about their data practices and policies, and we encourage you to read their privacy policies before providing any information to them.

We may amend this Privacy Policy at any time by posting a revised version on our Website. The revised version will be effective at the time we post it as designated by the “Last Updated” date above.

Acceptance of Privacy Policy

By using the Services, you signify your acceptance of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Services. Your continued use of the Services following the posting of changes to these terms will mean that you accept those changes.

If you breach or violate the rules, restrictions, limitations, terms, and/or conditions that apply to the Website or in connection with the Services, or as otherwise communicated to you, Highline may terminate, discontinue, suspend, and/or restrict your ability to access, visit, and/or use the Services, with or without notice. Highline may further restrict or refuse to provide you with any future access and/or use of the Services. Finally, Highline reserves the right to take any technical, legal, and/or other actions that it deems necessary and/or appropriate, with or without notice.

What Information We Collect About You

Information We Collect When You Use the Services

We collect certain Personal Information from and about visitors to, and users of, our Services, including:

Information by which you may be personally identified, such as your name, phone number, and other contact details;
Information about your Internet or other electronic network activity information, including, but not limited to, internet connection, the equipment and devices you use to access our Website, the dates and times you use the Website, and other Website usage; and
Any other information you may provide to us voluntarily through your use of our Services.

Information You Provide To Us

The personal information we collect on or through our Services and to provide Service support includes:

Information you choose to provide to us when you use the Website to request or obtain our Services or otherwise interact with us, which may include your name, Social Security number, date of birth, employment and income information, residential address, email address, date of birth, phone number, and other contact details;
Payment information and bank account information you provide;
Information we may request from you if you enter a contest or promotion we sponsor or when you report a problem with our Website. To stop receiving promotional emails, follow the instructions in any promotional message you receive from us;
Records and copies of your correspondence with us, if you contact us;
Commercial information, including records of products or Services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
Professional or education related information you provide in connection with a job application or employment, such as educational institutions you have attended, prior job history, and other skills or qualifications; and
Details of transactions and search queries you may carry out through the Website.

Information We Collect About You From Others

We collect certain personal information from our Third-Party Partners. This personal information includes:

Information by which you may be personally identified, such as your name, Social Security number, residential address, email address, date of birth, phone number, and other contact details;
Credit report information for users of the Highline marketplace;
Financial information like institution name, account number, current balance, and transaction history;
Employment information like company name, your job title, and the date you started working at the employer; and
Income information like base pay, pay cycle, last pay date, direct deposits, and paycheck deductions.

We may also collect inferences about you that may be drawn from any of the information identified in this section to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

How We Collect Information About You

We collect personal information:

Directly from you when you provide it to us through the Website, Services, and over the phone or through communication with customer support;
Automatically as you navigate the Website, including IP addresses, and information collected through cookies and other tracking technologies, which may include recording your activities and communications with us;
- Google Analytics. For more information about how Google uses your personal information (including for its own purposes, e.g., for profiling or linking it to other data), please visit Google Analytics’ Privacy Policy. To learn more about how to opt-out of Google Analytics’ use of your information, please click here.
From companies that you authorize to capture Pay by Paycheck payments; and
From Third-Party Partners, with whom we contract to provide the Services and other non-financial institution service providers, and which may include advertising networks, internet service providers, data analytics providers, operating systems and platforms, social networks, government entities, and data brokers.

How We Use Information

In general, Highline uses information we collect through our Services to:

Provide products and Services you request;
Provide you with relevant product and service offerings from our marketplace partners;
Improve our offerings to you, including to develop new products and Services;
Communicate with you or provide notices in connection with such products and Services;
Process and respond to customer inquiries and provide support;
Detect security incidents and prevent fraud and illegal activities;
Fulfill our legal requirements and enforce our agreements;
Improve Website content, functionality, and usability;
Communicate with you, either directly or through our service providers, including for marketing and promotional purposes;
Improve our marketing and promotional activities;
For our other legitimate business purposes permitted by law; and
For any other purpose with your consent.

The personal information collected in connection with a financial product or service provided in partnership with bank partners, may be used (as applicable) to:

Generate your customer profile or process your account and payments;
Enable automatic payments and fund transfers with other financial institutions; and
Communicate with you concerning your transactions.

Information We Disclose

We may disclose aggregated information about our users, and information that does not identify any individual, without restrictions. Unless otherwise stated, we may disclose personal information that we collect or you provide as described in this Privacy Policy:

To our affiliates;
To our bank partners, when you request to use our Services;
To our service providers, contractors, and other third parties who support our business operations;
To fulfill the purpose for which you provide any personal information;
For any other purpose we disclose when you provide any personal information; and
With your consent.

We may also disclose personal information:

To law enforcement, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order, or similar legal procedure, (2) we reasonably believe that we need to do so to comply with law, or (3) if we believe in good faith that the disclosure of your personal information is necessary to prevent physical harm or financial loss or to report suspected illegal activity;
To enforce or apply the terms of this Privacy Policy and other agreements between you and us, including for billing and collection purposes; and
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Highline, our service providers, our customers, or others

Highline will not sell, share, or rent any of your personal information to third parties and only discloses your personal information with third parties as described above.

How We Protect Information

No method of transmission over the Internet or electronic storage is 100% secure; however, we care about the security of your information and take reasonable measures designed to protect your personal information from unauthorized access and use by maintaining physical, electronic, and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings.

You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from us at all times. However, we cannot ensure or warrant the security of any information you transmit to us or guarantee that information may not be accessed, disclosed, altered, or destroyed. By using our Website and/or Services, you agree to assume all risk in connection with the information sent to us or collected by us when you access, visit, and/or use the Service. This includes, without limitation, any personal information that you provided to Highline. Highline and our bank partners are not responsible for any loss of such information or the consequences thereof.

In the event that any information under our control is compromised as a result of a security incident, we will: take reasonable steps to investigate the situation, and where appropriate, notify those individuals whose information may have been compromised, and take other steps in accordance with any applicable laws and regulations.

Do Not Track Signals

Our Website currently does not respond to “Do Not Track” (“DNT”) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. We may respond to opt-out preference signals, such as the Global Privacy Control, as required by applicable law.

The online advertising industry provides websites from which you may be able to opt out of receiving certain targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can control whether some companies serve you behaviorally-based advertising by visiting the Digital Advertising Alliance (“DAA”) web page and using the DAA’s opt-out selection (located at https://www.aboutads.info/choices/) or by visiting the Network Advertising Initiative’s opt out page (https://optout.networkadvertising.org/).

Your browser may enable you to block or delete some of the means by which we automatically collect information when you visit the Website, but doing so may affect your experience on the Website or our Services.

Children’s Privacy

This Website and our Services are not intended for children or minors under the age of 18 years. We do not knowingly collect personal information from, or market to, children under the age of 13 years. If we become aware that a child under the age of 13 years has provided us with personal information, we will take steps to comply with applicable legal requirements to remove such information.

California Notice at Collection

In accordance with this Privacy Policy, we collect the following categories of personal information: identifiers, demographic information, commercial information, internet or other electronic network activity information, geolocation data, audio, electronic, visual or similar information, inferences, and sensitive personal information. We collect these categories for our business or commercial purposes, including to provide you with a decision on an application, and verify your identity. We do not sell or share your personal information. We will retain your personal information for as long as is reasonably necessary depending on our relevant legal and regulatory obligations.

State Privacy Rights

This section provides additional details about the personal information we collect and the rights afforded to you under state laws and regulations, such as the California Consumer Privacy Act (“CCPA”) and the Oregon Consumer Privacy Act (“OCPA”). Personal information does not include publicly available information from government records or deidentified or aggregated consumer information. Personal information governed by the federal Gramm-Leach-Bliley Act (GLBA), the federal Fair Credit Reporting Act (FCRA), the California Financial Information Privacy Act (CalFIPA), the Driver’s Privacy Protection Act (DPPA), and other applicable laws may be subject to exemptions from certain state requirements.

In the last 12 months, we may have collected the following categories of personal information or personal data, as such terms are defined under applicable law: identifiers (such as name and contact information), demographic information (such as age and gender), commercial information (such as products purchased), internet or other electronic network activity information (such as browsing behavior), geolocation data, audio, electronic, visual or similar information (such as customer support calls), inferences we make (such as preferred activities or to make a decision regarding a job application), and sensitive personal information (such as Social Security number). We may have collected such personal information directly from you, from our interactions with you, or from third parties acting on our behalf, including employers, payroll processors, billers, service providers, and others relevant to providing you the Services.

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

To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or Services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or Service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new orders or process transactions.
To provide, support, personalize, and develop our Website, products, and Services.
To create, maintain, customize, and secure your account with us.
To process your requests, purchases, transactions, and payments and prevent transactional fraud.
To provide you with relevant product and service offerings on the Highline marketplace and facilitate your ability to obtain partner products and services through the marketplace.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
To personalize your Website experience and to deliver content and product and Service offerings relevant to your interests, including targeted offers and ads through our Website and via email or text message (with your consent, where required by law).
To help maintain the safety, security, and integrity of our Website, products, and Services, databases and other technology assets, and business.
For testing, research, analysis, and product development, including to develop and improve our Website, products, and Services.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to you when collecting your personal information or as otherwise set forth in the applicable law.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users and consumers are among the assets transferred.

We may disclose any of the above categories of personal information for any of the above business or commercial purposes with the following categories of third parties:

Advertising networks
Internet service providers
Data analytics providers
Operating systems and platforms
Social networks
Business partners
Government entities
Data brokers

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.

Highline only uses or discloses sensitive personal information for these purposes permitted under applicable law and such use or disclosure is reasonably necessary and proportionate for those purposes.

We may disclose any of the above described categories of personal information for any of the above business purposes with third parties, including employers, payroll processors, billers, service providers, and others relevant to providing you the Services.

Subject to certain exemptions, state laws, such as in California and Oregon, grant consumers the following rights:

Right to Know and Access

You have the right to request that we disclose certain information to you about our collection and use of your personal information (the “right to know”), free of charge, during the preceding 12 months. Once we receive your request and confirm your identity (see Exercising Your Rights), we will provide you with required information.

The request may include the following:

The categories of personal information, including sensitive personal information, we have collected about you.
The categories of sources for the personal information, including sensitive personal information, we have collected about you.
The categories of personal information, including sensitive personal information, we have collected, sold, or shared for a business or commercial purpose.
The categories of third parties with whom we disclose that personal information, including sensitive personal information, and the categories of personal information that was disclosed.
The specific pieces of personal information, including sensitive personal information, we have collected about you.
A list of the specific third parties to whom your personal information is disclosed.

Right to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (the “right to delete”). Once we receive your request and confirm your identity (see Exercising Your Rights below), we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request as allowed by law.

We will delete or deidentify personal information when required by law and will direct our service providers to take similar action.

Right to Correct

You have the right to request that we correct inaccurate personal information that we collected from you and retained, subject to certain exceptions (the “right to correct”). Once we receive your request and confirm your identity (see Exercising Your Rights below), we will review your request to see if an exception applies. We may deny your correction request as allowed by law.

We will correct personal information when required by law and will direct our service providers to take similar action.

Right to Opt-Out

You have the right to opt-out of the sale or sharing of your personal information or the use of your personal information for targeted advertising or profiling in furtherance of decisions that produce legal effects or effects of similar significance. Once we receive your request and confirm your identity (see Exercising Your Rights below), we will review your request to see if an exception applies. We may deny your opt-out request as allowed by law.

We will respond to opt-out preference signals in compliance with applicable laws. Please refer to the settings in your browser to use opt-out preference signals. We will direct our service providers to take similar action.

Right to Limit

You have the right to limit the use and disclosure of sensitive personal information. Please note that we do not use your sensitive personal information to infer characteristics about you. Once we receive your request and confirm your identity (see Exercising Your Rights below), we will review your request to see if an exception applies. We may deny your limitation request as allowed by law.

We will limit the use and disclosure of sensitive personal information when required by law and will direct our service providers to take similar action.

We may seek you consent to process sensitive personal data as required by applicable law.

Right to Revoke Consent

You have the right to revoke any previously provided consent to our processing of your personal data through means that we will make available, including by submitting a request (see Exercising Your Rights below).

Exercising Your Rights

You may also exercise an agent to exercise your rights on your behalf. To exercise your rights to know, delete, or correct as described above, please submit a request by either:

Emailing us at: ccpa@highline.co; or
Call: 1 (409) 547-7975

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. You may be required to provide additional information necessary to confirm your identity such as your account number and government identification or, if you are an authorized agent, to confirm your authorization to make such a request such as by providing written authorization.

You do not need to create an account with us to submit a request.

We will only use personal information provided in the request to verify the requestor’s identity or authority to make it.

Please contact us if you would like to appeal our denial of your request or any other decision relating to your request.

Response Timing and Format

We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact us using the contact information included in the section above called Exercising Your Rights.

We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account or to the email you provided to us. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding our receipt of your request, unless you request that we provide personal information beyond the 12- month period. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate or retaliate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

We do not sell or share the personal information we collect. We have no actual knowledge that we have sold or shared any personal information of consumers under 16 years of age.

California consumers may make a rights request by contacting us as described above under Exercising Your Rights.

For Nevada Residents

Nevada residents have the right to opt out of the sale of certain pieces of their information. We do not sell “personal information” of Nevada residents, but, if you are a Nevada resident who has questions or who wants to make this type of request, please send your email to support@highline.co. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

Retention Of Your Information

We retain your personal information for the period necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Please note that in many situations we must retain all, or a portion, of your personal information to comply with our legal obligations, resolve disputes, enforce our agreements, to protect against fraudulent, deceptive, or illegal activity, or for another one of our business purposes.

Changes To This Privacy Policy

Highline may revise this Privacy Policy from time to time without prior notice to you, and any changes will be effective immediately upon the posting of the revised Privacy Policy on the Website. You should bookmark and periodically review this page to ensure that you are familiar with the most current version of this Privacy Policy. You can determine when this Privacy Policy was last revised by checking the “Last Updated” legend at the top of the Privacy Policy.

Questions About This Privacy Policy

If you have any questions or concerns about this Privacy Policy, you can contact us at:

Highline Technologies Inc.
7700 Windrose Ave, Suite G300, Plano, TX 75024
+1 (409) 547-7975

The following privacy notice applies if you request or receive a financial product or service from Highline.

Highline Technologies Inc. Financial Privacy Notice

FACTS

WHAT DOES HIGHLINE DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: – Social Security number and income – Payment history and account transactions – Employment information and transaction history When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Highline chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Highline share this information?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	Yes
For joint marketing with other financial companies	No	We don’t share
For our affiliates everyday business purposes – Information about your transactions and experiences	No	We don’t share
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	Yes

To limit our sharing	Call: 1 (409) 547-7975 Visit us online: https://highline.co/consumers/
Questions?	Call 1 (409) 547-7975 or go to support@highline.com

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Who is providing this notice?	Highline Technologies Inc., doing business as Highline.
What we do
How does Highline protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Highline collect my personal information?	We collect your personal information, for example, when you – Open an account or give us your income information – Provide account information or give us your contact information – Show us your government- identification. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only – sharing for affiliates’ everyday business purposes – information about your creditworthiness – affiliates from using your information to market to you – sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. – Highline has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. – Nonaffiliates we share with can include financial institutions, including lenders, marketplace partners, lead generation companies, data aggregators, and other such as retail and hospitality companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. – Highline does not jointly market.
Other Important Information
For Vermont Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at https://www.highline.co/privacy-policy-notice/ or call 1 (409) 547-7975.