Privacy Policy

Divvy knows the importance of and values the privacy of all its customers.  We understand that you care about how your personal information is collected, used and shared, and we take this responsibility seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used. You may also email us at [email protected] with any privacy-related questions.


This privacy policy applies to all information we collect through our web and mobile applications from Divvy users, including you. By using or accessing our web and mobile application (“Divvy Services”), you acknowledge that you accept the practices and policies delineated in this Privacy Policy, and you hereby consent that we will collect, use, and share your information in the ways defined. This Privacy Policy, or its future variation, will continue to apply if your use of our Services is discontinued by either you or us. This policy only applies to the Divvy Service(s) and does not apply to the practices of any other partner or third-party provider.

In this policy, the term “personal information” is used to describe information that can be associated with a specific individual and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.


When you visit the website or use one of our mobile applications, we collect your IP address, and standardized information provided by your computer or browser, such as your browser type and the pages you accessed on our website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our Service.

We receive and store any information you knowingly provide to us. For example, you will provide information while setting up your funding source, such as by providing name, addresses, business identification numbers, social security number, etc. You may also provide information through the registration process or save information on your device or account settings such as your name, email address, and phone number. Certain information may be required to register with us or to take advantage of some of our features.  If you choose to use Divvy, we may collect the following information from you:

Account Information – text-enabled cellular/wireless telephone number, machine or mobile device ID and other similar information.

Identification Information – your name, street address, email address, date of birth, and SSN (or other governmental issued verification numbers).

Device Information – device type

We also may obtain information about you: (a) from your mobile device such as your device type, machine or mobile device identification number, geo-location, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes. For fraud prevention purposes, we also may link your machine ID with the machines of others who use your same payment cards.

Financial Information – bank account and routing numbers and credit cards linked to your Divvy account. Divvy does not share financial information with third-party social networking services such as those listed in the prior bullet.

We are committed to providing a safe, secure and all-around great service. Therefore, before permitting you to use our Service, we may require additional information from you we can use to verify your identity, address or other information or to manage risk and compliance throughout our relationship. We may also obtain information about you from third parties such as identity verification, fraud prevention, and similar services.

When you are using the Divvy Service, we collect information about your account transactions and trust relationships and we may collect information about your computer or other access device for fraud prevention and other similar purposes.

Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.


As noted in the Terms and Conditions, we do not knowingly solicit or collect information from any individuals under the age of 18. If we learn that we have collected personal information from a child under age 18, we will delete that information as quickly as possible.


When you access the website, we, or companies we hire to track how our website is used, may place small data files called “cookies” on your computer.

For example, we send a “session cookie” to your computer any time you log in to your Divvy account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session so that we don’t need to ask you for your password on each page.

You are free to decline Divvy cookies if your browser permits, but doing so may interfere with your use of the website. 


We store and process your personal information using third party servers located in secure data centers in the United States. The information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We employ electronic safeguards such as firewalls and data encryption and we enforce physical access controls to our office and files. We authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

We make reasonable efforts to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Divvy password with anyone.

If Divvy learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Divvy Service, you agree that Divvy may communicate with you electronically. Divvy may post a notice on the website if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us. 


  • Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun and customized experience. We may use your personal information to:
  • provide the services and customer support you request;
  • process transactions and send notices about your transactions or your network activity;
  • prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement;
  • customize, personalize, measure, and improve our services and the content and layout of our website;
  • send you updates about new products and services that we are offering to customers
  • compare information for accuracy and verify it with third parties;
  • perform other duties as required by law.


To process payments on Divvy, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received and other verification metrics like social graph activity may be provided to users or companies when you transact with, on, or through Divvy.

We work with vendors to enable them to accept payments from you using Divvy. In doing so, a vendor may share information about you with us, such as your mobile phone number or Divvy username, when you attempt to pay that vendor. We use this information to confirm to that vendor that you are a Divvy customer and that the vendor should enable Divvy as a form of payment for your purchase.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Divvy, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.


Divvy does not share your personal information with third parties for promotional or marketing purposes.

We may share your personal information with: Law enforcement, government officials, or other third parties if compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Divvy User Agreement, or as otherwise required by law.

Third party service providers who assist us in providing services to you or who provide fraud detection or similar services on our behalf.

Service providers under contract who help with parts of our business operations (for example, fraud prevention, payment processing, or technology services); Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

Other third parties with your consent or at your direction to do so.

Except as permitted by law, Vermont is an opt-in state and we cannot share consumer information with third parties without permission from the consumer.


This Privacy Policy describes how Bank uses and discloses information about the users of the Services and or the Platform. By using the Services or the Platform, or otherwise consenting to this Agreement, you agree to the terms of the Privacy Policy, which is incorporated by reference.

Additionally, except as prohibited by law, you authorize Bank and Service Provider to share information about you with the other, including without limitation, information regarding your use of the Services, your activity on the Platform, transactions involving a Payment Account, and information about you relating to or arising from other Divvy-branded products. Bank and Service Provider may use such information shared with the other for any lawful purpose. Without limiting the foregoing, such sharing and use may include:

  • Sharing your information relating to the Services, including any application or sign up process for the Services, to facilitate opening or managing another Divvybranded product;
  • Sharing your information relating to another Divvy-branded product, including the application or sign up process for such product, to facilitate your access to the Services under this Agreement or managing the Services;
  • Sharing information regarding you in connection with the Services, the Platform, and/or other Divvy-branded products to detect, prevent, or investigate fraud or illegal conduct and to manage other risks;
  • Sharing information to facilitate transactions and services that you request;
  • Responding to governmental inquiries and legal process; and
  • Any other lawful business purposes of Bank or Service Provider.


You can review and update your personal information in your account settings at any time by logging into your account.


The website application and mobile application may contain links to other sites. Divvy does not control the information collection of sites that can be reached through links from our products. We encourage our users to be aware when they are leaving the applications and to read the privacy statements of any site that collects personally identifiable information.


Divvy is always improving. As the Divvy service evolves, we may occasionally update this privacy policy. If we modify this privacy policy, we will post the revised privacy policy to the website, and we will also revise the “last updated date” stated above. If we make material changes in the way we use personal information, we will notify you by posting an announcement on our service or by sending you an e-mail. It is your responsibility to periodically review this privacy policy; users are bound by any changes to the privacy policy by using the service after such changes have been first posted.


If you have questions or concerns regarding this privacy policy, or any feedback pertaining to your privacy and the Divvy service that you would like us to consider, please email us at [email protected]