Last updated: 04/29/2024
This document (our “Privacy Policy”) explains how we collect and use your Personal Data, how and with whom we share your Personal Data, and how we protect your Personal Data.
Remember, that your use of Backpack’s Services is at all times subject to our Terms of Service, which incorporates this Privacy Policy. Any terms we use in this Privacy Policy without defining them have the definitions given to them in the Terms of Service.
By using or accessing our Services in any manner, you acknowledge that you accept the practices and policies below, and you hereby consent that we will collect, use and share your information as described in this Privacy Policy.
If you do not want us to collect Personal Data from you or share Personal Data with any third parties or otherwise disclose your Personal Data, you should not use the Services.
If you have any questions, concerns, or complaints about our privacy practices, or if you wish to exercise any of your rights as described in this Privacy Policy, please contact us at:
We strive to resolve any privacy-related issues swiftly and effectively. If you are not satisfied with our response, you may also have the right to lodge a complaint with a data protection authority appropriate to your location.
This Privacy Policy Covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules or regulations. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage.
In the table below, we provide the list of categories of Personal Data that Backpack collects and some examples for a better understanding. We also have identified the main sources and purposes for collection:
Backpack collects information directly from you as the consumer when:
We may obtain information about you from other sources, including sources that we rely on to enrich our Services, such as service providers, education institutions, merchant partners, online advertising companies, and social media platforms.
Backpack may also use cookies and similar technologies such as pixel tags, web beacons, clear GIFs and JavaScript (collectively, “Cookies”) to enable our servers to recognize your web browser, tell us how and when you visit our Services, analyze trends, learn about our user base and operate and improve our Services.
Cookies are small pieces of data – usually text files – placed on your computer, tablet, phone or similar device when you use that device to access our Services. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s).
We use the following types of Cookies:
You can block cookies at any time using your web browser settings, but doing so may limit your browsing experience and your ability to use certain features of the Website. We do not currently respond to “Do Not Track” or DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.
To explore what Cookie settings are available to you or to modify your preferences with respect to Cookies, you can access your Cookie management settings by clicking [LINK]. To find out more information about Cookies generally, including information about how to manage and delete Cookies, please visit http://www.allaboutcookies.org/.
Your use of Backpack’s Services is evidence of your consent to Backpack storing and accessing cookies and other information on your computer or phone and Backpack’s use of Google Analytics in connection with such activities. Please read the information at the link provided so you understand what you are consenting to.
We collect Personal Data to be able to deliver and improve our Services for the benefit of our consumers.
We use your Personal Data to provide our products and Services. This might include keeping track of the Personal Data associated with your Backpack Account, helping you access and restore access to your Backpack Account, preventing others from accessing your Backpack Account and sending administrative information to you. We also use your Personal Data to confirm your identity and safeguard your information and money.
We use your Personal Data to understand our customer base, conduct research and analysis, develop new or improved products and Services, and build relationships with education institutions and merchant partners. If you are an employee, representative, or agent of an education institution or merchant, vendor, or other business entity, Backpack may use the information collected from you in connection with the business relationship between the entity and Backpack, or to market a prospective relationship to the entity you represent.
We may use your Personal Data to provide service update notices and to notify you about products, services, and promotions that may be of interest to you, based on your communication preferences.
We may use your Personal Data in responding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about Backpack or the Services. We may also use your Personal Data to send emails and other communications according to your preferences or that display content that we think will interest you.
Backpack operates in a regulated industry and works with a number of regulated partners such as our banking and payment partners. We may use your Personal Data to meet legal and regulatory requirements, such as:
Except as described in this Privacy Policy and unless otherwise expressly authorized by you in writing, Backpack will never share, sell, or communicate your Personal Data to or with anyone for any reason. We only share and disclose your Personal Data with the following third parties. We have categorized each party so that you may easily understand the purpose of our data collection.
We may create aggregated, de-identified or anonymized data from the Personal Data we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you.
While we make every effort to ensure that all Personal Data we collect and store is accurate, complete, and up-to-date, you can help us by promptly notifying us if there are any changes to your information. You will be able to view and change aspects of your Personal Data by logging in to your Backpack Account.
We retain Personal Data about you for as long as necessary to provide you with our Services or to perform our business or commercial purposes for collecting your Personal Data. When establishing a retention period for specific categories of data, we consider who we collected the data from, our need for the Personal Data, why we collected the Personal Data, and the sensitivity of the Personal Data. In some cases we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.
For example:
Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at support@backpack529.com.
If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties. You can exercise this right by contacting us at support@backpack529.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your Personal Data as sales are defined in Nevada Revised Statutes Chapter 603A.
We are committed to protecting the privacy and confidentiality of your Personal Data. We limit access to your Personal Data to our authorized employees or agents and we contractually require our business partners and service providers to limit their use of your Personal Data. We also maintain physical, technical, and administrative safeguards to protect your Personal Data against loss, misuse, damage or modification, and unauthorized access or disclosure. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.
The Website may include social media features, such as the Facebook "Like" or "Share" buttons. These features may collect your IP address and which pages or features you are using or visiting on the website or the Website, and may set a cookie to enable the feature to function properly. Social Media features are either hosted by a third-party or hosted by us. Your interactions with these features are governed by the privacy policy of the company providing them. We do not control and we take no responsibility for the use of your Personal Data by these third-party sites.
The Website may contain links to other websites or apps. Your access to and use of such linked sites is not governed by this Privacy Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the Personal Data practices of such third-party websites. Please review the privacy policies of such sites before you disclose your Personal Data to them.
The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers obtain parental consent before they knowingly collect personally identifiable information online from minors who are under 13 years of age. The Backpack Website is not intended for minors. We do not knowingly collect or solicit Personal Data from anyone under the age of 13. If we become aware that a child under the age 13 has provide Data to us, we will delete that Personal Data as quickly as possible. If you believe that a minor under 13 years of age may have provided us Personal Data, please contact us at support@backpack529.com.
We may change this Privacy Policy from time to time to reflect changes in our practices concerning the collection, use, and sharing of Personal Data. The revised Privacy Policy will be effective immediately upon posting to our websites, by notification through the Website or through email. If you continue to use the Website after we make changes then you will be deemed to have agreed to the changes, so please check this Privacy Policy periodically for updates.
If you have any questions or concerns about this Privacy Policy, please contact: support@backpack529.com.
Backpack Payment Technologies, Inc. (“Backpack”)
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
For Alaska, Illinois, Maryland, and North Dakota Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.
California Residents: We will not share your information with non-affiliated third parties, except for our everyday business purposes, for marketing our products and services to you, with your consent (as required), or as otherwise permitted by law.
For Massachusetts, Mississippi, and New Jersey Customers: We will not share personal information or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization.
Vermont Residents: We will not share your information with non-affiliated third parties, except for our everyday business purposes, for marketing our products and services to you, with your consent (as required), or as otherwise permitted by law. We will not disclose creditworthiness information about you within or outside Backpack except as permitted by law, unless we otherwise obtain your consent.
