Privacy Policy

WiseDep may collect information you provide directly, information generated through your use of WiseDep services, and information provided by service providers that support WiseDep operations.

Enrollment and Coverage Information

When you enroll in WiseDep Coverage, we may collect information such as:

• First and last name
• Email address
• Phone number
• City and state
• Coverage status
• Verification ID
• Certificate information
• Enrollment information
• Subscription information
• Other information submitted during enrollment

If you elect to add a business to your WiseDep Coverage, we may also collect:

• Business name
• Business type
• Business website
• Business contact information
• WiseDep Verified information
• Business credential information
• Other business information submitted during enrollment

Subscription and Payment Information

WiseDep uses third-party payment providers to process recurring Coverage payments.

WiseDep may receive and maintain information relating to your subscription and payment status, including:

• Subscription status
• Payment status
• Billing interval
• Transaction identifiers
• Customer or subscription identifiers
• Renewal information
• Failed-payment information
• Cancellation status
• Limited payment-method information made available by the payment provider

WiseDep does not need to store complete payment-card numbers or card security codes when those details are collected and processed directly by the applicable payment provider.

Claim Information

When a claim is submitted, WiseDep may collect information relating to the payment matter and circumstances of the claim, including:

• Names
• Contact information
• Business information, where applicable
• Payment amount
• Payment date or date payment was due
• Payment method
• Proof of payment
• Evidence of money owed
• Contracts
• Proposals
• Estimates
• Invoices
• Receipts
• Screenshots
• Photographs
• Documents
• Written communications
• Descriptions of the payment matter
• Supporting documentation
• Information provided during claim review
• Information concerning claim resolution or recovery
• Other information reasonably relevant to processing the claim

The specific information required may depend on the nature of the payment matter and claim.

Communications and Service Information

WiseDep may collect information submitted through website forms, support features, claim submissions, account interactions, or other use of WiseDep services.

Website and Technical Information

When you use WiseDep.com, WiseDep and its service providers may automatically receive standard technical information such as:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Referring pages
• Approximate location derived from IP address
• Dates and times of access
• Website interactions
• Diagnostic information
• Security information
• Performance information

WiseDep may use information to:

• Operate and maintain WiseDep services
• Process enrollment in WiseDep Coverage
• Activate and maintain Coverage
• Process recurring Coverage subscriptions
• Determine Coverage status
• Generate and maintain Verification IDs
• Generate and maintain Coverage Certificates
• Administer WiseDep Verified status for applicable businesses
• Generate and maintain authorized business credentials and digital assets
• Administer subscription payments, renewals, failed payments, and cancellations
• Receive and process claims
• Review claim information and supporting documentation
• Request additional claim information where necessary
• Determine claim outcomes
• Administer applicable funds-return and resolution processes
• Detect and prevent fraud
• Detect duplicate claims or duplicate recovery
• Prevent abuse or misuse of WiseDep services
• Maintain records
• Provide and improve WiseDep services
• Improve website functionality
• Protect the security and integrity of WiseDep systems
• Enforce applicable Terms of Service
• Protect WiseDep, Covered Members, users, and others
• Comply with applicable legal obligations

WiseDep may issue active Covered Members credentials or records containing information such as:

• Name or business name
• WiseDep Coverage status
• WiseDep Verified status, where applicable
• Verification ID
• Credential or certificate issuance information
• Credential validity information
• Payment Protection status

Personal Coverage Certificates may identify the individual holding WiseDep Coverage.

When a business has been added to WiseDep Coverage, applicable certificates or business credentials may identify the business.

Businesses with applicable active Coverage may receive WiseDep Verified badges, digital assets, certificates, or other credentials for authorized use.

WiseDep may maintain information necessary to verify the authenticity and current status of credentials it issues.

A credential or Verification ID does not necessarily make all underlying enrollment or personal information publicly available.

Information submitted in connection with a claim may be used as reasonably necessary to review, evaluate, administer, investigate, document, and resolve the payment matter.

WiseDep may use claim information to:

• Determine claim eligibility
• Review the circumstances of a payment matter
• Evaluate supporting information
• Request additional documentation
• Determine claim outcomes
• Administer funds-return and resolution procedures
• Detect fraud or misrepresentation
• Detect duplicate claims or recovery
• Maintain claim records
• Enforce program requirements
• Protect the integrity of WiseDep Payment Protection

Claim information may be disclosed where reasonably necessary to administer, investigate, process, or resolve a claim, subject to applicable law and WiseDep procedures.

Do not submit information unrelated to the claim or unnecessary sensitive information.

WiseDep may share information with service providers that perform services on WiseDep's behalf or support WiseDep operations, including providers supporting:

• Payment processing
• Website and application hosting
• Cloud infrastructure
• Data storage
• Communications
• Security
• Fraud prevention
• Analytics
• Website operations
• Customer support
• Professional services
• Legal and compliance services

WiseDep may also disclose information where reasonably necessary:

• To administer, investigate, process, or resolve a claim
• To prevent or investigate fraud, abuse, security incidents, or violations of applicable terms
• To comply with applicable law, regulation, legal process, court order, or lawful governmental request
• To protect the rights, property, security, or safety of WiseDep, Covered Members, users, or others
• To establish, exercise, or defend legal rights or claims
• In connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable law

WiseDep does not sell personal information for money.

WiseDep uses third-party payment providers, including Stripe, to process WiseDep Coverage subscription payments.

Payment information submitted directly through a payment provider is handled according to that provider's applicable privacy and security practices.

WiseDep may receive information necessary to administer Coverage subscriptions, including subscription status, transaction status, customer identifiers, payment status, renewal information, cancellation information, and limited payment-method information.

WiseDep does not ordinarily process, receive, or hold the underlying payments involved in transactions that later become the subject of a WiseDep claim.

WiseDep and its service providers may use cookies and similar technologies for website operation, security, functionality, preferences, analytics, and performance.

The specific technologies used may change as WiseDep services develop.

Where required by applicable law, WiseDep will provide applicable choices or disclosures concerning non-essential technologies.

WiseDep retains information for as long as reasonably necessary for the purposes described in this Privacy Policy.

Retention may include information reasonably necessary to:

• Operate WiseDep services
• Maintain Coverage records
• Maintain subscription records
• Maintain Verification IDs and certificates
• Administer claims
• Document claim outcomes
• Prevent fraud and abuse
• Detect duplicate recovery
• Maintain security
• Comply with applicable legal obligations
• Resolve disputes
• Enforce agreements
• Establish, exercise, or defend legal claims
• Maintain legitimate business records

Different categories of information may be retained for different periods depending on their purpose, operational requirements, and applicable law.

WiseDep may retain certain information after Coverage ends where reasonably necessary for legitimate business, fraud-prevention, claims administration, security, recordkeeping, dispute-resolution, or legal purposes.

Cancellation or expiration of WiseDep Coverage does not necessarily require immediate deletion of information associated with prior Coverage or claims.

WiseDep uses reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure.

Access to information may be limited according to operational requirements and the services being provided.

No internet transmission, website, electronic communication, payment system, or data-storage system can be guaranteed to be completely secure.

Depending on where you live and applicable law, you may have rights concerning your personal information.

These rights may include, where applicable, rights relating to:

• Access to personal information
• Correction of inaccurate personal information
• Deletion of certain personal information
• Information regarding categories of personal information collected
• Information regarding how personal information is used
• Information regarding categories of recipients to whom information is disclosed
• Other privacy rights provided under applicable law

The availability and scope of particular rights depend on applicable law and the circumstances of the request.

WiseDep may need to verify identity before processing certain privacy requests.

Certain information may be retained notwithstanding a request where retention is permitted or required by law or reasonably necessary for purposes including:

• Claim records
• Transaction or subscription records
• Fraud prevention
• Security
• Compliance with legal obligations
• Establishing, exercising, or defending legal claims
• Enforcing agreements
• Maintaining records of completed requests

Cancellation of WiseDep Coverage does not itself constitute a request to delete personal information.

WiseDep services are intended for adults and businesses and are not directed to children under 13.

WiseDep does not knowingly collect personal information from children under 13 through its services.

If WiseDep learns that personal information from a child under 13 has been collected in circumstances where it should not have been collected, WiseDep may take appropriate steps to delete it.

WiseDep.com may interact with or link to websites, payment services, applications, or other services operated by third parties.

Third-party services operate under their own terms and privacy practices.

WiseDep is not responsible for the privacy practices, security practices, content, or independent conduct of third-party websites or services.

Use of a particular bank, card network, payment processor, payment application, or other third-party service in connection with a transaction does not establish an affiliation, partnership, sponsorship, or endorsement between that provider and WiseDep.

If WiseDep is involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, transfer of business operations, or similar transaction, information may be transferred, disclosed, or otherwise handled as part of that transaction subject to applicable law.

Any successor or acquiring entity may assume applicable rights and obligations concerning information subject to the terms governing the transaction and applicable law.

WiseDep may preserve, use, or disclose information where WiseDep reasonably believes doing so is necessary to:

• Comply with applicable law
• Respond to lawful legal process
• Respond to valid governmental requests
• Enforce applicable agreements
• Investigate suspected fraud or abuse
• Protect WiseDep systems and services
• Protect the rights, property, security, or safety of WiseDep, Covered Members, users, or others
• Establish, exercise, or defend legal claims

WiseDep may preserve information in response to a lawful preservation request or where reasonably necessary in anticipation of legal proceedings.

WiseDep may update this Privacy Policy from time to time to reflect changes to WiseDep services, practices, technology, operational requirements, or applicable law.

Updated versions will be posted on WiseDep.com with a revised “Last Updated” date.

Where required by applicable law or reasonably appropriate because of a material change, WiseDep may provide additional notice.