Legal
Perpay Privacy Notice
Last modified: December 2025
This notice is provided by Perpay on behalf of Perpay and Celtic Bank. Perpay is not responsible for the privacy practices or privacy disclosures of Celtic Bank.
FACTS
WHAT DOES CELTIC BANK AND PERPAY, INC. DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
● Social Security number
● Payroll, salary, and employment information
● Account balances and bank account information
● Transaction history
How?
Reasons we can share your personal information
Does Celtic or Perpay share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes -to offer our products and services to you
Yes
No
For joint marketing with other financial companies
No
We don't share
For our affiliates’ everyday business purposes - information about your transactions and experiences
No
We don't share
For our affiliates’ everyday business purposes - information about your creditworthiness
No
We don’t share
For our affiliates to market to you
No
We don’t share
For our nonaffiliates to market to you
No
We don’t share
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Perpay chooses to share, and whether you can limit this sharing.
Questions?
Email us at hello@perpay.com
WHO WE ARE
Who is providing this notice?
Celtic Bank; Perpay, Inc.
WHAT WE DO
How does Celtic Bank and Perpay protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Celtic Bank and Perpay collect my personal information?
We collect your personal information, for example, when you:
● sign up for a Perpay credit card,
● apply for and use the financial products and services we offer.
We also collect your personal information from others, such as your employer, banks, and other financial institutions.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
● sharing for affiliates’ everyday business purposes - information about your credit worthiness,
● affiliates from using your information to market to you, and
● sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Celtic Bank and Perpay do not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Our nonaffiliates may include banks, credit unions, and other financial institutions.
Joint marketing
.
Other Important Information
Nevada: If you are consumer with a Nevada mailing address, and you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by contacting us at hello@perpay.com. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900,Las Vegas, NV 89101; telephone number: 1-702-486-3132; email BCPINFO@ag.state.nv.us or AgInfo@ag.nv.gov
Vermont: If you are consumer with a Vermont mailing address, we will not share information we collect about you with companies outside of Perpay, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.
California: If you are a consumer with a California mailing address, we will not share information we collect about you with companies outside of Perpay, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- We will not engage in joint marketing
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