Woje Privacy Policy

Last Updated: [Insert Final Date of Publication]

At Woje Inc. ("Woje," "we," "us," or "our"), we are committed to protecting your privacy and ensuring transparency in how we collect, use, and safeguard your personal information. This Privacy Policy explains what data we collect, how we use it, your rights, and how to contact us.

1. Information You Provide to Us

We collect personal information you provide directly when you:

• Sign up for a Woje account

• Complete onboarding or verification steps

• Subscribe to our services

• Submit a support ticket or contact us

• Use any tools, forms, or applications on the Woje platform

This may include:

• Contact information: name, email address, phone number

• Business information: company name, type of business, EIN, business address

• Personal identification documents: uploaded photo ID (e.g., driver’s license, passport)

• Banking information: account and routing numbers (via Plaid)

• Login credentials: encrypted password, two-step verification code (sent to phone and/or email)

We collect this information to establish your account, provide services, and comply with legal and regulatory requirements.

2. Information We Collect Automatically

When you use our services, we may automatically collect certain technical and usage data, including:

• Browser type, device type, operating system

• IP address and time zone

• Referral URL and page interaction information

• Cookies and tracking technologies

This data is used to operate and improve the platform, ensure security, and understand user behavior. While we may know your business and/or personal address, we do not use geolocation trackers or GPS-based location finders.

3. Information from Third Parties

We may receive information about you from trusted third-party services we use to deliver functionality or verify identity:

• Kartra: our website and CRM platform

• Plaid: verifies bank and account ownership details securely

• Dwolla: facilitates ACH transfers directly from the consumer to the business (not via Woje)

These services are subject to their own privacy policies, and we use them solely to power your experience on Woje in a secure and compliant manner.

4. How We Use Your Information

We use your information to:

• Create and manage accounts

• Process payment plan requests

• Verify identity and prevent fraud

• Communicate important updates or changes

• Offer support or respond to questions

• Improve platform security, performance, and usability

We may also use aggregated, de-identified data for research, benchmarking, or platform analytics.

5. How We Share Your Information

We do not sell your personal information. However, we may share it with:

• Third-party service providers for payment processing, identity verification, hosting, or analytics

• Regulatory or law enforcement agencies, if legally required

• Successors in interest in case of a merger, acquisition, or sale of assets

In all cases, we ensure appropriate safeguards and contractual obligations are in place.

6. Advertising and Future Financial Offers

We do not share your information with advertisers. However, in the future, anonymized or aggregate data (e.g., performance of your payment plans) may be used to allow banks or financial institutions to offer to purchase your receivables directly from you. If this feature is launched, it will be optional and fully transparent.

7. Data Retention

We retain your data as long as your account is active or as necessary to:

• Provide services

• Fulfill legal or contractual obligations

• Comply with accounting or tax requirements

You may request deletion of your data, subject to our legal retention obligations.

8. Data Security

We use industry-standard security measures including encryption, secure data centers, and access controls to protect your information. While no system is 100% secure, we actively monitor and improve our defenses to keep your data safe.

9. Your Rights (Including California and Other Jurisdictions)

Depending on your location, you may have the following rights:

• Access and obtain a copy of your personal data

• Correct or update your information

• Delete your information (right to be forgotten)

• Opt out of certain data uses or processing

• Object to data sharing or limit use of sensitive personal information

• File a complaint with your data protection authority

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

To exercise any of your rights, contact us at teamwoje@wojeinc.com.

10. Managing Your Preferences

You can:

• Unsubscribe from marketing emails using the link in our messages

• Adjust browser cookie settings

• Email us to manage your privacy preferences

To cancel your paid subscription and revert to our no-cost plan, simply reduce your active payment plans to one or zero. Once this condition is met, your account will automatically downgrade, and billing will stop.

11. Children’s Privacy

Woje does not knowingly collect data from children under the age of 13 (or other age as defined by jurisdiction). If we learn we have collected personal data from a child without parental consent, we will delete it promptly.

12. Contact Us

If you have questions, concerns, or would like to exercise your privacy rights, you may contact us at:

• Email: teamwoje@wojeinc.com

• Phone: (800) 676-9653

• Website: www.wojeinc.com

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our Services, technology, legal requirements, or business operations. When we make material changes, we will provide notice through appropriate channels—such as email, in-app notifications, or banners on our website—and update the "Last Updated" date at the top of the policy.

If the changes materially affect your rights or obligations, we will seek your consent when required by law. We encourage you to review this Privacy Policy regularly to stay informed about how we collect, use, and protect your information.

THIS PRIVACY POLICY WAS LAST UPDATED ON 26th June 2025.

© 2018, WOJE, Inc. All rights reserved.