Privacy Policy

This Privacy Policy ("Policy") describes how personal identifiable information and Protected Health Information ("Information") is collected, used, shared, or otherwise processed by Bridge Purchasing Solutions, Inc., iQpay, iQpay, and any of its predecessors, successors, assigns, parents, subsidiaries, affiliates (collectively, "Company", "we", "our", or "us"). This Policy applies to our website located at www.iQpay.com, our mobile applications, and any other website that links to this Policy (collectively "Online Services").

01. When This Privacy Policy Applies

Our Policy applies to Online Services that we own or operate and that contain a link to this Privacy Policy. Our Policy does not apply to information collected through other means such as by telephone, via Online Services that do not link to this Privacy Policy, or in person, although that information may be protected by other privacy policies.

Our Policy does not apply to the practices of other companies or other websites or software applications that may be linked from or made available through our Online Services.

The inclusion of a link on our Online Services or the ability to utilize a third-party website or software application through our Online Services does not imply that we endorse, or otherwise monitor the privacy or security practices of that third-party website or software application or the accuracy of its content, and your use of the third-party website or software application is governed by the third-party's privacy policy.

This Privacy Policy is not intended to and does not create any contractual or other legal rights in or on behalf of any party.

02. What Information We Collect About You

We may collect two basic types of information through the Online Services: (1) information you provide directly to us, and (2) information that is automatically provided to us or collected through your use of our Online Services or (3) information that is provided to us by an independent third-party entity (collectively, "Information").

Such Information may include information that identifies you such as your full name, telephone number, email address, postal address, certain other identification numbers, your User ID that you create or is assigned to you, health and medical information, including Protected Health Information, financial information and other information as described in this Privacy Policy.

When you use the Online Services, we may collect Information about your device and your use of the Online Services, including: (1) Information that you provide by filling out forms on the Online Services; (2) Information you provide when you report a problem with our Online Services or other products or services; (3) Records and copies of your correspondence with us; (4) Details of transactions you carry out through the Online Services and of the fulfillment of your requests; and (5) Your search queries on our Online Services.

Mobile Applications

In addition to the Information identified above, our mobile applications may also collect the following information about you:

• Health, medical, or financial information;
• Information created by the Company on behalf of itself, its affiliates and subsidiaries;
• Location data such as GPS, Wi-Fi, or carrier network location (see below for more details);
• Technical information about your device and system and application software, e.g., type of phone, Operating System (OS), and IP address;

03. How We Use Your Information

We may use your Information:

• To send you an email or SMS message that contains a link to an iQpay digital Guided Spend Purchase Card or other payment or non-payment card as dictated by any program you may participate in.
• To respond to an email, chat or other instant message or particular request from you;
• To provide you with content, services, and functionality through our Online Services or other services that we may offer;
• To process an application for a product or service as requested by you;
• To authenticate you on any portion of our Online Services and with vendors acting on our behalf;
• To administer surveys and promotions;
• To personalize your experience on our Online Services;
• To provide you with informational or promotional offers, as permitted by law, that we believe may be useful to you;
• To perform analytics and to improve our products, Online Services, and advertising;
• To facilitate the provision of software updates and product support;
• To improve products and other services related to the Online Services or to provide services or technologies to you;
• To comply with applicable laws, regulations, and legal process;
• To protect someone's health, safety, or welfare;
• To protect our rights, the rights of affiliates or related third parties, or to take appropriate legal action, such as to enforce our Terms of Use;
• To keep a record of our transactions and communications; and
• As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law or for any other purpose with your consent.

04. How Your Information Is Shared Or Disclosed

We may share or disclose your Information as follows:

• We may share Information with companies within our corporate family for the purposes described in this Policy;
• We may share Information with third-party service providers to permit them to provide services to us to assist us in providing services to you or to analyze data on our behalf and improve our products or services;
• We may share Information with your employer or plan sponsor if you are enrolled in an employer or plan sponsor benefit program;
• We may share Information with health care providers to assist them in providing your care and treatment;
• We may share Information with health plans to assist in determining your eligibility for benefits, and payment for services provided to you;
• We may share Information as required or permitted by law, such as to law enforcement or in response to legal process;
• We may share Information to protect someone's health, safety, or welfare;
• We may share Information to protect our rights, the rights of our affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms of Use;
• We may share Information with a person who can verify that they are your parent or legal guardian;
• We may share Information with third parties involved in a business transfer if we are involved in a merger, acquisition, divestiture, restructuring, reorganization, dissolution, liquidation or sale of assets, or in the event of bankruptcy;
• We may share Information for other reasons we may describe to you.

05. Your Choices

You have certain choices about how we use your Information. You can opt-out of certain uses and disclosures of your Information as described in this Policy.

You may opt-out of receiving promotional emails from us by following the instructions in those emails. If you opt-out, we may still send you non-promotional communications, such as those about your account, about services you have requested, or our ongoing business relations.

You may also send requests about your personal information to us through our contact information provided below. You can ask to review, update or delete your personal information.

06. Your California Privacy Rights

California residents may have additional personal information rights and choices. Please see our California Privacy Notice for more information.

07. Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Online Services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Online Services. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Online Services.

08. Changes to Our Privacy Policy

We may update our privacy policy from time to time. If we make material changes to how we treat our users' personal information, we will post the new privacy policy on this page with a notice that the privacy policy has been updated and notify you by email to the primary email address specified in your account and/or through a notice on the Online Services home page.

The date the privacy policy was last revised is identified at the bottom of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Online Services and this privacy policy to check for any changes.

09. Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

Bridge Purchasing Solutions, Inc.
C/O Corporate Privacy Council
4021 West Walnut Street #1135
Rogers, AR 72756

Email: Support@iQpay.com or Support@Bridgemart.com
Phone: 888-253-5667

10. Effective Date

This privacy policy was last updated on July 10, 2023.