Privacy Policy

1. Scope

Diversified Payday is a SaaS (Software as a Service) product of Diversified SaaS, Inc., a wholly owned company of Diversified Universal LLC.

This Privacy Policy applies to diversifiedpayday.com, the Diversified Payday payroll platform, related support services, and other interfaces that link to this policy.

Diversified Payday provides services to employers and other business customers in the United States. The platform is not offered for international payroll processing.

This policy applies to:

• Website visitors
• Prospective customers
• Customers and employers
• Authorized administrators and users
• Employees and independent contractors whose information is entered by an employer
• Individuals who contact us or receive authorized communications from us

Additional terms may apply through our Terms and Conditions, Cookie Policy, California Privacy Policy, Data Retention and Deletion Policy, SMS and Messaging Terms, and other policies available through the Legal Center.

2. Our Roles

Diversified Payday may process information in different capacities depending on the relationship and activity involved.

For information submitted by an employer concerning its employees, contractors, payroll, tax obligations, and related business records, the employer generally determines why the information is processed. Diversified Payday processes that information to provide the platform and contracted services.

For information collected directly through our public website, account administration, subscription billing, support operations, security systems, and our own business activities, Diversified Payday may determine the purposes and methods of processing.

Employees and contractors seeking to exercise rights concerning information entered by their employer should generally contact that employer first. We will provide reasonable assistance where appropriate and legally required.

3. Information We Collect

Information Provided by Customers and Users

We may collect:

• Legal and trade names
• Employer and business addresses
• Telephone numbers
• Email addresses
• Business classifications and industry information
• Federal, state, and local tax identifiers
• State unemployment and withholding account information
• Authorized-user names, roles, permissions, and credentials
• Subscription and billing information
• Support requests and communications
• Records of acknowledgments, certifications, approvals, and platform activity

Worker and Payroll Information

Employers and authorized users may enter information concerning employees and contractors, including:

• Names
• Addresses
• Email addresses
• Telephone numbers
• Dates of birth
• Social Security numbers or taxpayer identification numbers
• Employment and contractor classifications
• Wage rates, salaries, hours, bonuses, commissions, deductions, reimbursements, and benefits
• Tax withholding elections and payroll-tax information
• Bank routing and account information
• Account-holder type
• Payroll history
• Tax forms and filing records
• Documents uploaded or generated through the platform

Employers are responsible for having appropriate authority to provide and process this information.

Employer Banking Information

The platform may store employer bank information and related administrative details used to prepare bank-ready payroll instruction files. This may include:

• Bank name
• Routing and account information
• Bank portal and support details
• Treasury contacts
• ACH instructions and notes
• File-submission records
• Certifications and acknowledgments

Diversified Payday does not use this information to debit, hold, transmit, or distribute payroll funds.

Website and Device Information

When someone visits the public website or uses the platform, we may collect:

• Internet Protocol address
• Browser and device information
• Operating system
• Referring page or campaign
• Pages and features used
• Approximate geographic area
• Dates and times of activity
• Error, diagnostic, security, and performance information
• Cookie and privacy preferences

Additional details appear in our Cookie Policy.

Information From Service Providers and Other Sources

We may receive information from:

• Subscription payment processors
• Tax filing and form-transmission providers
• Authentication and communication providers
• Hosting and infrastructure providers
• Analytics and advertising providers
• Fraud, abuse, or security services
• Government agencies when authorized or required
• Employers and their authorized representatives

4. How We Use Information

We may use information to:

• Create, administer, and secure accounts
• Provide payroll calculation and recordkeeping tools
• Generate payroll reports and bank-ready payroll instruction files
• Generate checks, pay statements, tax records, and related documents
• Prepare or transmit tax forms and filings when included in the customer's plan or separately purchased
• Provide customer support
• Process subscription and add-on billing
• Authenticate users and deliver security messages
• Maintain audit records
• Detect, investigate, and prevent fraud, misuse, unauthorized access, and security incidents
• Diagnose technical problems
• Maintain and improve the website and platform
• Measure public website activity and advertising performance
• Comply with legal obligations
• Enforce agreements and platform policies
• Protect Diversified Payday, its customers, users, and others
• Communicate service, billing, compliance, and policy information

5. Employer Bank and NACHA Model

Diversified Payday does not move, receive, hold, debit, transmit, or distribute payroll funds.

When an employer uses direct-deposit features, the platform prepares a bank-ready payroll instruction file, including a NACHA-format ACH file where applicable.

The employer reviews, downloads, and submits that file to its own financial institution. The employer's financial institution originates the payments.

Diversified Payday:

• Does not submit payroll files to a bank on the employer's behalf
• Does not verify ownership of employer or worker bank accounts
• Does not guarantee that a bank will accept a file
• Does not control bank submission deadlines, settlement, returns, reversals, or funding requirements
• Does not take custody or control of payroll or payroll-tax funds

Bank account information is used to generate payroll instructions and related records, not to initiate funding draws by Diversified Payday.

6. Tax Filing Services

Customers enrolled in an eligible tax-compliance plan or purchasing an eligible add-on may authorize Diversified Payday and its service providers to prepare and transmit specified tax forms or filings.

Information needed to perform those services may be disclosed to filing providers, government agencies, and other parties involved in the authorized filing process.

Customers remain responsible for:

• Providing complete and accurate information
• Reviewing calculations and filings
• Supplying required authorizations
• Maintaining sufficient funds
• Completing tax payments or deposits not expressly included in the service
• Meeting obligations outside the scope of the purchased plan or add-on

7. How We Disclose Information

We may disclose information in the following circumstances.

At the Customer's Direction

We may process or disclose information when directed or authorized by the customer or an authorized user.

Service Providers

We may use service providers for:

• Cloud hosting and infrastructure
• Subscription payment processing
• Tax form generation, filing, and transmission
• Authentication
• Email and text messaging
• Customer support
• Security and fraud prevention
• Data storage and backup
• Analytics and advertising measurement on the public website
• Software development and platform operations
• Professional services

Service providers may process information only as permitted by their agreements and applicable law.

Government Agencies and Legal Requirements

We may disclose information when reasonably necessary to:

• Comply with law, regulation, court order, subpoena, or other valid legal process
• Respond to legally valid government requests
• Protect rights, safety, security, or property
• Investigate fraud, misuse, or unlawful activity
• Establish, exercise, or defend legal claims

Business Transactions

Information may be disclosed in connection with a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction, subject to appropriate safeguards and applicable law.

Corporate Operations

Information may be disclosed within Diversified SaaS, Inc., its parent Diversified Universal LLC, and their controlled operations when reasonably necessary to provide services, maintain systems, administer the business, or protect legal and security interests.

8. Sale, Sharing, and Targeted Advertising

Diversified Payday does not sell personal information for monetary compensation.

We may use analytics, conversion-measurement, and advertising technologies on the public website, including Google Analytics, Meta Pixel, and additional or replacement providers.

Depending on applicable law and how those providers use public website information, these activities may be considered targeted advertising, sale, or sharing even when no money is exchanged.

Where legally required, users may opt out through the Your Privacy Choices link.

We do not intentionally use customer payroll records, Social Security numbers, tax records, bank account information, wage information, or comparable sensitive platform data for targeted advertising.

Advertising technologies are not permitted on authenticated payroll-platform routes.

9. SMS and Messaging

Text messaging is used only for authorized account, security, service, and administrative communications as described in our SMS and Messaging Terms.

Mobile opt-in information and consent records will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

Users may opt out as described in the SMS and Messaging Terms without terminating other services, although some security or notification functions may then be unavailable.

10. Cookies and Similar Technologies

We use cookies and similar technologies for:

• Security
• Authentication
• Required platform operation
• Preferences
• Analytics
• Performance measurement
• Advertising and conversion measurement on the public website

Our Cookie Policy explains these technologies and the choices available to users.

The persistent Your Privacy Choices link allows users to review or change applicable optional-technology preferences.

11. Data Retention

Information is retained for periods reasonably necessary to:

• Provide the services
• Maintain payroll and tax records
• Comply with legal obligations
• Resolve disputes
• Enforce agreements
• Prevent fraud and abuse
• Maintain security, audit, and financial records
• Support legitimate business operations

Following cancellation, eligible customer records and reports are intended to remain available through read-only account access for at least seven years, subject to legal, technical, security, and operational limitations.

Retention periods vary by record type and legal requirement. Additional details appear in our Data Retention and Deletion Policy.

12. Data Security

Diversified Payday uses administrative, technical, and organizational safeguards designed to protect information against unauthorized access, use, alteration, disclosure, or destruction.

Safeguards may include:

• Role-based permissions
• Authentication controls
• Encryption in transit
• Encryption at rest where supported and appropriate
• Logging and monitoring
• Data minimization
• Restricted administrative access
• Backup and recovery practices
• Security review and incident-response procedures

No system can guarantee absolute security. Users are responsible for maintaining secure credentials, limiting authorized access, reviewing permissions, and promptly reporting suspected unauthorized activity.

13. Privacy Rights and Choices

Depending on applicable law and the relationship involved, an individual may have rights to:

• Request access to personal information
• Request correction
• Request deletion
• Obtain a portable copy
• Opt out of certain targeted advertising, sale, or sharing
• Appeal a denied privacy request
• Receive equal service without unlawful discrimination

These rights are subject to exceptions, identity verification, recordkeeping requirements, and the distinction between information controlled by an employer and information controlled directly by Diversified Payday.

Requests involving employer-controlled payroll information should generally be directed to the employer first.

Requests concerning Diversified Payday's own activities may be submitted through Support or the contact information below.

Authorized agents may submit requests where allowed by law, subject to verification of authority and identity.

14. Children's Privacy

The website and platform are intended for businesses, employers, and authorized adult users.

They are not directed to children under 13, and Diversified Payday does not knowingly collect information directly from children under 13 through the public website.

Employers are responsible for ensuring that any payroll information concerning minors is collected and processed lawfully.

15. United States Processing

Diversified Payday provides a United States payroll platform. Information may be processed and stored in the United States.

The website and platform are not offered as an international payroll service.

16. Changes to This Privacy Policy

We may revise this Privacy Policy to reflect changes in law, technology, services, providers, or business practices.

When the policy changes, the Last Revised date and version number will be updated.

Material changes may also be communicated through the website, platform, or account contact information where appropriate.

17. Contact Us

Questions or privacy requests may be directed to:

Diversified Payday
A SaaS (Software as a Service) Product of Diversified SaaS, Inc.
A wholly owned company of Diversified Universal LLC
6212 US Highway 6, Suite 184
Portage, Indiana 46368-5057
Phone: 833-990-7297
Email: CustomerService@ChooseDiversified.com