Privacy Policy


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 toinformation 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 ormade 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 ourOnline 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.

What Information We Collect About You

We may collect two basic types of information through theOnline Services: (1) information you provide directly to us, and (2)information that is automatically provided to us or collected through your useof 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 HealthInformation, financial information and other information as described in thisPrivacy Policy.

When you use the Online Services, you may provide certainInformation directly to us. For example, you may input a telephone number or email address into a webform or enter information into a chat functionality. We also may make certain information available to you on the Online Services that we collect from other sources. For example, we may pre-populate certain demographic information in an online form or make health or medical information viewable on the Online Services that you have provided to us on paper forms or maintained in other information systems.

We also may obtain Information that is automatically collected through the Online Services. The automatically collected Information may include demographic, de-identified, aggregated, or certain information from your device such as technical information about your device, web-browser information, and server log files collected by us or provided by you. SeeCookies and Tracking for more information on automatically collected information.

You may limit the Information you provide or make available to us if you want to; however, that may limit your ability to access or use certain functions of the Online Services or to request certain services orinformation.

When data is provided to us by other third-party organizations we require them to have authorization to share your personal information.

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, OperatingSystem (OS), and IP address;

What You Do on Your Device While Using the Application:

  • Camera use
  • Local storage
  • Phone dialer
  • Use of screen, e.g., what points are touched, frequency, etc.
  • and Patterns of app usage
  • Device or System Data
  • Mobile Device Identifier, e.g., UDID, Android ID; and

We may obtain location data from your device to providelocation-related services. You may withdraw consent to use precise, real-time,or network location data at any time by turning off the location-based featureon your mobile device or by not using any location-based features. If youwithdraw your consent, functionality associated with precise, real-time, ornetwork location will no longer function.


How We Use Your Information

We may use yourInformation:To send you an email orSMS message that contains a link to an iQpay digital Guided Spend Purchase Cardor other payment or non-payment card as dictated by any program you mayparticipate in.

To respond to an email, chat orother instant message or particular request fromyou;

To provide you with content, services, and functionality through our OnlineServices or other services thatwe 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 vendorsacting 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, andadvertising;

To facilitate the provision of software updates and product support;

To improve products and other services related to the Online Services or toprovide 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 totake 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.

We may use Information to contact you through any contact information you provide through our Online Services or is provided to us by other independent sources per their Terms of Use and other agreement they have with you. We may communicate, electronically or via telephone with you about any benefits provided to you by your employer, plan, or other sponsoring organization. Wemay also communicate to you about programs, products, or services that are or may be available to you in connection with your transactions with us including, but not limited to, Online Services updates, general wellness reminders or information, benefit information, general health information, newsletters, surveys, and other offers we feel would be relevant and valuable to you. These electronic communications may contain protected health information. You acknowledge and accept that such communications may be sent unencrypted and there is some risk of disclosure or interception of the contents of these communications.

We may, when permitted, combine your Information with other information, whether online or offline, maintained or available to us from you or from other sources, such as from our vendors, and we may use and disclose combined data for the purpose described in this Section or for internal business purposes. We may, when permitted, use and disclose de-identified and aggregated data for any purpose, which may include, without limitation, disclosures to third parties for analytics purposes such as evaluating the Online Services and providing additional benefits, programs, and services.


How We Share Your Information

We will only share your Information with third parties as outlined in this Policy and as otherwise permitted by law or as permitted with your consent. We may share Information if all or part of the Company is sold, merged, dissolved, acquired, or disbanded to any extent in a similar transaction, or in connection with steps that may need to be taken in anticipation of such events.

We may share Information in response to a court order, subpoena, search warrant, or to comply with law or regulation. We may cooperate with law enforcement authorities in investigating and prosecuting activities that are illegal, violate our rules, or may be harmful to other visitors.

We may also share Information within the Company, including among affiliates, or subsidiaries.

We may also share Information with other third-party companies with which we have a business relationship or hire to perform services on our behalf. For example, we may hire a third-party company to help us send and manage email, and we might provide that third-party company with your email address and certain other Information for them to send you an email message on our behalf. Similarly, we may hire third-party companies to host or operate some of our Online Services and related computers and software applications.

Personal Information collected through any of the above mentioned processes, will never be shared, sold, or disclosed to third parties for their own marketing purposes.

By using Bridge Purchasing Solutions, Inc services, you agree to allow us to share your personal information and individually identifiable information, including information we obtain from our retail partners about your purchasing activity, with the company or organization responsible for funding the program through which you may receive access to certain services.


Retention of Data

We will retain your personally identifiable information(PII) and Activity Information for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your PII to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.


How to Manage Your Information

Our Online Services may permit you to view your profile, if applicable, and access related Information about you and to request changes to such Information. Please remember, however, if we have already disclosed some of this Information to third parties, we may not have access to that disclosed information and may not be able to force the modification of any Information by the third parties to whom we have made those disclosures.

Communication Preference Management

Our Online Services may permit you to select how you would like to receive certain communications. You can view and update your communication preferences under your preferences in account settings in your online or mobile app account.

We may offer mobile applications that enable us to communicate with you through push notifications. Where mobile applications are offered, you may be able to manage push notifications in your mobile phone or tablet settings. You may also be able to control preview settings in your email applications.

If you need additional assistance in opting-out of a communication, please Contact Us for assistance. Please be aware that opt-outs may not apply to certain types of communications, such as account status, Online Service updates, or other communications.

Cookies and Tracking

The Company may use various technologies, including cookies, tokens, tags, web logs, web beacons, scripts, and web server logs to gather automatically collected information and may aggregate this information from visitors of our Online Services or to enable certain features of our Online Services. This information may include demographic data, technical information about the technology (e.g., phone, computer) you use to connect to the Online Services, web browser information, your IP address, and browsing behavior such as pages visited and how often they are visited (collectively, “ActivityInformation”). We may also use third-party analytics companies to provide these services.

Activity Information is captured using various technologies and may include cookies. “Cookies” are small text files that may be placed on your computer or mobile device when you visit an Online Service or click on aURL using your web browser. Cookies may include “single-session cookies” which generally record information during only a single visit to a website and then are erased, and “persistent” cookies which are generally stored on a computer or mobile device unless or until they are deleted or are set to expire. You may disable cookies and similar items by adjusting your browser preferences at anytime; however, this may limit your ability to take advantage of all the features on our Online Services. In addition, you may also have additional means to manage the collection of Activity Information by:

Please note that we do not currently respond to web browser“Do Not Track” signals that provide a method to opt out of the collection ofInformation about online activities over time and across third-party websites or online services because, among other reasons, there is no common definition of such signals and no industry-accepted standards for how such signals should be interpreted.

We gather Activity Information about you to improve the quality of our services, such as the best method and time to contact you.Without limiting the other ways in which we may use Information as described herein, we may otherwise use and disclose your Activity Information unless restricted by this Policy or by law. Some examples of the ways we use yourActivity Information include:

Customizing your experiences, including managing and recording your preferences;

Authenticating your account information;

Marketing, product development, and research purposes;

Tracking resources and dataaccessed on the Online Services;

Developing reports regarding OnlineService usage, activity, and statistics;

Assisting users experiencing problems with our services;

Updating and servicing our Online Services;

Enabling certain functions andtools on the Online Services; and

Tracking paths of visitors to the Online Services and within the Online Services.


Protecting Your Information

We maintain administrative, technical, and physical safeguards designed to protect the Information that you provide on our Online Services. These safeguards vary based on the sensitivity of the Information that is being collected, used, and stored. We cannot guarantee the security of our Online Services, nor can we guarantee the security of the Information you transmit to us over the Internet, including your use of email. We are not liable for the illegal acts of third parties such as criminal hackers.

It is your responsibility to safeguard the devices you use to access our Online Services (such as laptops, tablets and mobile devices),and to use appropriate security settings on those devices. If those devices are lost, stolen or misplaced, others may be able to access your account and your personal Information using those devices.

You agree that we are not responsible for any harm that may result from someone accessing your account or personal Information on any computer or device where you do not, for any reason, take the necessary steps to log out of your account prior to ending a session on such device or computer.

We retain Information for as long as necessary for the purpose for which it is collected, subject to a longer period if theInformation is relevant to a legal challenge.


Children Under 13

We will not intentionally collect any personal information(as that term is defined in the Children’s Online Privacy Protection Act) from children under the age of 13 through our Online Services without receiving parental consent. If you think that we have collected such personal information from a child under the age of 13 through our Online Services, please Contact Us immediately.


Additional Rights for California Residents

California “Shine the Light” Privacy Rights

California law permits our customers who are California residents to request certain information regarding the disclosure of certain personal information to third parties for their direct marketing purposes.

California law permits our customers who are California residents to request certain information regarding the disclosure of certain personal information to third parties for their direct marketing purposes.

This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the specified email or postal address. You should put “California Privacy Rights-Direct Marketing” in the email subject line and in the body of your request. You must provide us with specific information regarding yourself so that we can accurately respond to the request.


California Minors Under 18

If you are a California resident under the age of 18 and area registered user of our Online Services, you may request that we remove from our Online Services any content you post to our Online Services that can be accessed by any other user (whether registered or not). Please note that any content that is removed from visibility on our Online Services may still remain on our servers and in our systems. To request removal of content under this provision, please write or email us at the postal or email address found in theContact Us section of this Policy. When you write to us, please provide us with a description of the content and the location of the content on our Online Services, along with any other information that we may require to consider your request. Please note that removal of content under this provision does not ensure complete or comprehensive removal of the content or information posted on the Online Services by you.


Social Media Disclaimer

We may use social media platforms to communicate news and information to the market including through: Facebook®, LinkedIn® and other social media sites (“Social Media Site”). Before you post on our pages or accounts, please make sure you read our social media disclaimer:

Contain any third-party material including logos, drawings, tattoos, photographs, pictures, sculptures, paintings and other images or works of art, phrases, trademarks, trade secrets, or other items without explicit, prior, written permission to use such materials;

Contain sexually explicit, graphic, gratuitous or unnecessarily violent content or defamatory or derogatory content against any ethnic, racial, gender, religious, sexual orientation, professional or age group, or contain any pornographic or nude material;

Contain any private information about yourself or any other individual, including without limitation, information related to the health of the individual, financial information about the individual, or any identification or account numbers related to the individual, with or without their permission or consent;

Contain any software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware, or telecommunications equipment; and

Contain any advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or promote illegal activity and/or illegal contests, sweepstakes, gambling, including any online casino, sports books, bingo, poker, or any other form of solicitation.

We reserve the right to edit comments for content, remove off-topic contributions, delete offensive comments or remarks, block offensive contributors, and delete actual or suspected spam content from any Social Media Site. Please be aware that once you post something online, there is the potential for numerous individuals to read your words, even years from now. Therefore, we suggest that you exercise prudence when posting on any Social Media Sites and that you not disclose Information like your location, medical record number, personal medical information, financial information, etc. We are not responsible for the content of any comments or responses posted by others to any Online Service or Social MediaSite we manage or monitor. We do not control the placement of any marketing or advertising displayed on our pages by social media or third-party organizations.

We reserve the right to respond to any post or user content and may occasionally privately request your contact information to assist you offline, with your consent, by routing the matter to the appropriate persons or department for further handling.

All trademarks are the property of their respective owners.


Social Security Number Protection Policy

It is our policy to protect the confidentiality of Social Security numbers (“SSNs”). Consequently, we will never ask for, collect, store,or otherwise capture any SSNs other than required by law such as for purposes of employment and income reporting. We secure the confidentiality of SSNs through various means, including physical, technical, and administrative safeguards that are designed to protect against unauthorized access. It is our policy to limit access to SSNs to that which is lawful and to prohibit unlawful disclosure of SSNs.


Changes to This Policy

We reserve the right to modify this policy at any time. The modified policy will be effective immediately upon posting. Your continued receipt of Informational Electronic Communications and Informational Calls andTexts will constitute your acceptance of the modified section.


Contact Us

You may contact us regarding this Policy or other related privacy practices through the methods listed below:

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

Electronic Mail:

Customer Support: 888-253-5667

Effective Date:

July 10, 2023

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