Privacy Policy

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)

If you are a White Label licensee or affiliate, we may also collect business documents, territory preferences, and branding assets you voluntarily provide to support your deployment.

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:

Go High Level: 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

Support and monitor activity under White Label or affiliate partnerships to ensure compliance and track referral performance

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

Use of Automated Systems:
We may use AI-driven or automated systems to assist in risk scoring, fraud detection, and platform optimization. These systems do not replace human decision-making in financial approvals and are used only to improve accuracy, efficiency, and platform security.

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 accredited financial institutions to offer to purchase your receivables, portfolio, or future revenue streams directly from you.

If this feature is launched, it will be optional and fully transparent. These offers will never be made without your express opt-in.

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 [email protected].

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 is designed for business use only and is not intended for individuals under 18 years of age.

We do 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: [email protected]
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.