Terms & Privacy Policy

Written on March 30, 2020

Terms of Service

Last Updated March [ 20 ], 2020, Version 032004c


1. What are you agreeing to?

1.1. The Parties to this Agreement.

These Terms of Service describe a contractual relationship (“Agreement”) between you (“you” or “your”) and WellPay, Corp. (including its subsidiaries, affiliates, agents, and assigns) (“WellPay,” “we,” “us,” “our”), formerly known as Expedite, Inc. or Expedite Software, regarding your use of this website (“Website”) or the WellPay mobile application (the “App”), your use of the “Pay with WellPay” service as described below in Section 2.1, your use of “Additional Tools” as described below in Section 2.2, your use of any other service(s) offered through the Website or App, and your access to your WellPay account information and service through the Website or App (collectively, the “WellPay Service(s)” or “Service(s)”).

1.2. Changes to this Agreement.

WellPay may unilaterally decide to change this Agreement from time to time, provided, however, that such changes will not impose additional obligations on you with respect to actions you took before the change became effective unless you specifically agree to such changes (for example, by confirming a Installment Credit). Additionally, YOU AGREE TO ACCEPT ANY CHANGES TO THIS AGREEMENT BY USING THE WellPay SERVICES AFTER CHANGES HAVE BEEN POSTED. If WellPay makes any changes to this Agreement that it deems to be material, WellPay will make a reasonable effort to inform you of such changes, but it is your responsibility to review the Agreement posted to our website from time to time to see if it has been changed.

1.3. Your Eligibility.

To be eligible to use the Services, you must be at least 18 years old (19 years old in Alabama or if you’re a ward of the state in Nebraska) and a resident of the United States or its territories. Residents of Iowa and West Virginia are not eligible for the “Pay with WellPay” service. You represent and warrant that you are eligible to use the Services.

2. How WellPay will serve you.

2.1. The “Pay with WellPay” Service.

2.1.1. Description: “Pay with WellPay” is a closed-end Installment Credit product with standard terms of 3, 6, or 12 months (other terms may be available at select Providers) through WellPay’s technology platform. Installment Credit term options may vary based on purchase price and Provider. “Pay with WellPay” allows you to buy goods or services offered by Providers (“Providers”) for personal use. If you agree to use “Pay with WellPay,” WellPay will pay the Provider on your behalf in exchange for your promise to repay the same amount plus a finance charge as determined by your creditworthiness.

2.1.2. Your Promise to Pay: Before completing any transaction on your behalf through any WellPay Services, WellPay will secure your promise to pay by disclosing the terms and conditions applicable to that transaction and securing your WellPayative consent to those terms for that transaction, including your promise to pay the Total Payments by asking you to click the button to confirm your Installment Credit.

2.1.3. Interest Rates: “Pay with WellPay” rates range from 10% to 30% fixed Annual Percentage Rate (“APR”), depending on your creditworthiness (0% APR is offered at select Providers). “Pay with WellPay” Installment Credits are simple interest Installment Credits, which means that interest accrues daily on the unpaid principal balance, up to the amount of the finance charge, until you pay the Installment Credit in full. If, however, you pay your Installment Credit off early, the Prepayment Refund terms below may apply.

2.1.4. Finance Charge: The “Pay with WellPay” service is subject to a finance charge based on the applicable interest rate determined by your creditworthiness. WellPay will always disclose the specific finance charge before you agree to any Installment Credit.

2.1.5. First Payment: Your first payment will be due no sooner than 15 days after WellPay pays a Provider on your behalf pursuant to the “Pay with WellPay” service.

2.1.6. Late Payment Fee: You will never be charged any late fees for using “Pay with WellPay.”

2.1.7. Payment Allocation: Payments that you make will be applied first to accrued unpaid interest then to the unpaid principal balance. For Installment Credits that are delinquent, your payment will be applied first to past due amounts, then to your current monthly payment. For Installment Credits that are charged off, your payment will be applied first to the unpaid principal balance, then to accrued unpaid interest.

2.1.8. Partial Prepayments: Payments in excess of your currently scheduled payment will be applied to your unpaid principal balance and will not be used toward your next scheduled payment. Thus, your monthly scheduled payment amounts will remain the same except for your final payment.

2.1.9. No Prepayment Penalty: You may prepay your Installment Credit in full at any time without penalty.

2.1.10. Prepayment Refund: You are entitled to a refund of any amounts you pay in excess of the remaining principal balance and accrued interest as of the date of prepayment. We, however, may set off any amounts you are entitled to against any amounts you owe on any other “Pay with WellPay” Installment Credit or owe us otherwise. In lieu of a prepayment refund, you may satisfy your repayment obligation under the “Pay with WellPay” service on any date prior to the date of the final payment by paying WellPay an amount equal to the unpaid balance, less the required rebate as of the date of such a payment.

2.1.11. Delays in Processing: In some cases when you attempt to use “Pay with WellPay” to pay for medical or veterinary services, the transaction may be held as pending or be otherwise delayed for processing and confirmation by either WellPay or the Provider and can be cancelled at any time until it is confirmed by WellPay.

2.2 Additional Tools.

2.2.1. Tools We May Offer: We may from time to time offer you the ability to access certain financial management tools. Examples of such tools include financial calculators, customized financial analysis, bill payment reminders, dashboards with information about your debts (including debts you may owe others) and/or assets, and other similar services. Unless we indicate otherwise, these tools will be provided free of charge and are provided exclusively for personal use.

2.2.2. Limitations on Tools: You agree that we may modify the tools or cease making them available to you at any time without notice. We have no obligation to continue to make any particular tool available to you or to do so without charge. If we modify a tool or cease to make a tool available to you, you understand that you may lose access to any information that you may have supplied in connection with your use of the tool and have no rights to obtain such information from us. To the extent that the tools present information regarding financial accounts you may have with other lenders or financial institutions, you understand that the information may not be up to date. Before acting on any such information, you should confirm its accuracy with the lender or financial institution holding the account. There may be times when a tool we offer is unavailable or not properly functioning, and you agree that we have no liability to you if this occurs or in connection with the tools generally. You may need certain hardware or software to utilize the tools, and you understand that your failure to have such hardware or software will result in your not being able to use the tools or some tool functionality. You understand that some tools or some tool functionality may only be available to consumers who have relationships with certain lenders, service providers or financial institutions or who have certain financial products. If you do not have such relationships or products, you understand that you may not be eligible to use a tool or all of its functionality. You agree that we may use the information we gather through the tools to market other products and/or services to you, including those of third parties.

2.2.3. Third Party Providers: We may rely on third party providers to assist us in making a tool or other WellPay Service available to you. By linking your bank account to a tool or Service, you authorize us and our third party providers to access your financial accounts on your behalf, and to gather information about you. You give us and our third party providers a limited power of attorney, and appoint us and our third party providers as your true and lawful attorney-in-fact and agent to act on your behalf and access, transmit, and use your information as necessary to provide the tools and other Services. You agree to the transfer, storage, and processing of your information by these third party providers in accordance with their respective privacy policies, including Plaid’s privacy policy. We have no liability to you for any damages you may suffer as a result of any such third party’s actions or inactions or from inaccurate account information.

2.2.4. Tools are Provided for Informational Purposes Only: Financial information provided through the tools is provided for informational purposes only and not a substitute for individualized professional advice. We are not a credit repair or credit services organization as defined under federal or state law, including any credit repair or credit services organization acts. We do not provide “credit services” or “credit repair” services. We do not advise or assist you with “rebuilding” or “improving” your credit. We make no representation that we will improve or attempt to improve your credit record, history or rating. The tools are not intended to provide financial, legal or tax advice, and we are not a financial planner, broker or tax advisor. The tools are intended only to provide general assistance in organizing your finances. Before making any financial decisions or implementing any strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.


2.3. Cancelling Transactions.

WellPay may choose not to provide service to you or to specific Provider at any time for any reason, including but not limited to, your creditworthiness, your history of transactions on our site, the Provider’s account history or any other reason. WellPay may cancel transactions at any time before a Provider delivers any goods or services if you violate any term of this Agreement.

2.4. Collecting Information About You.

By using the WellPay Services, you authorize WellPay, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with the Customer Identification Program (CIP) rules implementing Section 326 of the USA PATRIOT Act and our Privacy Policy. This may include asking you for further information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address or financial instruments, or verifying your information against third party databases or through other sources. We may also ask you for identifying documents to help us validate your identity. WellPay reserves the right to close, suspend, or limit access to your account and/or the Services in the event we are unable to obtain or verify this information.

2.5. Credit Report Authorization and Reporting.

You expressly authorize WellPay, Corp. to obtain consumer reports from consumer reporting agencies about you (1) when you apply for an Installment Credit, (2) periodically throughout the term of your Installment Credit (including in the month following the month when you pay off or otherwise satisfy the Installment Credit) and (3) periodically in connection with any other services you may obtain from us (including services involving financial management or credit profile tools we may offer). You expressly authorize us to use the information that we obtain from such reports to, among other things, market refinancings and WellPay’s current and future products and services to you (both during and after the term of your Installment Credit and the term of any other services you may obtain from us), provide you with other services (including financial management tools and credit profile tools) you may request, make decisions related to the servicing and collection of your account, measure how the Installment Credit you obtained from us impacts your credit, perform other statistical analysis, and share information with you about your credit profile.

You understand that WellPay may report information about your Installment Credit (such as on-time, late, and missed payments; any defaults; and the fact you paid off your Installment Credit) to credit reporting agencies.

2.6. Collection.

You agree to allow WellPay to send you payment reminders from time-to-time. Notwithstanding whether you have consented or withdrawn your consent to the WellPay E-Sign Consent, you agree that payment reminders may take the form of any available communication. You also agree that if you fail to pay an amount owed to WellPay pursuant to this Agreement, WellPay may engage in collection efforts to recover such amounts from you. These collection efforts may involve contacting you directly, submitting your information to a collection agency, or taking legal action. FAILURE TO PAY MAY AFFECT YOUR CREDIT SCORE.

2.7. Communication & Notification.

You agree that WellPay may provide you communications about your account and the WellPay Service electronically or through phone calls or in writing. Mobile, message, or data rates may apply and you are responsible for any such fees.

SMS Notifications:

  1. When you opt-in to the service, we will send you a message to confirm your signup. [Provider Name] would like to offer you the ability to receive text message reminders for all your healthcare, medical billing. Message and data rates may apply. Message frequency varies. Text “HELP” for help. Text “STOP” to cancel.[Provider Name] would like to offer you the ability to receive text message reminders for all your healthcare, medical billing. Message and data rates may apply. Message frequency varies. Text “HELP” for help. Text “STOP” to cancel.
  2. You can cancel this service at any time. Just text “STOP” to 80578. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us.If you want to join again, just sign up as you did the first time and we will start sending messages to you again.
  3. If at any time you forget what keywords are supported, just text “HELP” to 80578. After you send the message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
  4. Participating carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).
  5. Carriers are not liable for delayed or undelivered messages.
  6. For all questions about the services provided by this short code, you can send an email to support@wellpay.care.
  7. If you have any questions regarding privacy, please read our privacy policy.

WellPay reserves the right to close or limit access to your account and immediately collect all due amounts if you withdraw your consent to receive electronic or other communications or if you revoke access to any third party site on which the WellPay Service relies (e.g., Plaid, etc.) or if any such service should revoke or cancel your account on that site. Any electronic communications will be considered to be received by you within 24 hours of the time we email it to you or otherwise send it to your attention (such as via sms or other online or mobile notification). We may assume you have received any communications sent to you by postal mail 3 business days after we send it.

If we need to contact you to service your account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors and collectors of your account, to communicate with you in any way, such as calling, texting, or email via:

  • a mobile phone or landline you provide to us, use to contact us, or at which we believe we can reach you (even if it is not yours),
  • any email address you provide to us or one of our Providers,
  • automated dialer systems and automatic telephone dialing systems,
  • pre-recorded or artificial voice messages and other forms of communications.

You also agree that these communications are not unsolicited for purposes of any state or federal law, and you understand that this may result in additional mobile, text message, or data charges.

You understand and agree that WellPay may, without further notice or warning and in our discretion, monitor or record telephone conversations you or anyone acting on your behalf has with WellPay or its agents for quality control and training purposes or for its own protection. You acknowledge and understand that, while your communications with WellPay may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by WellPay, and WellPay does not guarantee that recordings of any particular telephone calls will be retained or retrievable.

Notwithstanding this provision, WellPay’s delivery of any Disclosures governed by the WellPay E-Sign Consent shall be governed by your consent or withdrawal of consent to receiving such Disclosures in electronic form.

2.8. Working with Third Parties.

If you grant express permission to a third party to take specific actions on your behalf, or access particular information about your account, either through your use of the third party’s product or service or through your WellPay account, you acknowledge that WellPay may disclose the information about your account that is authorized by you to this third party. You also acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under this Agreement. Further, you acknowledge and agree that you will not hold WellPay responsible for, and will indemnify WellPay from, any liability arising from the actions or inactions of this third party in connection with the permissions you grant.

3. Your use of WellPay.

3.1. Agreement to Provide Accurate Information.

When you provide information to WellPay or in connection with the WellPay Services, you agree to provide only true, accurate, current and complete information about yourself and you agree not to misrepresent your identity or your account information. You further agree to keep your account information up to date and accurate.

3.2. User Responsible for Fees.

If you use the WellPay Services, you are responsible for any fees or other amounts that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge.

3.3. Repayment Methods.

You may use one of the acceptable methods of payment to make one-time transactions to pay your account as payments become due or you may set up automatic monthly account payments.

Currently acceptable methods of payment are:

  • Debit Card – Payments made by debit card will be subject to the terms and conditions established by the debit card issuer. If charges cannot be processed through your debit card, or if your bank draft or electronic funds transfer is returned for insufficient funds, you will be responsible for any fees incurred and WellPay will have no liability with respect thereto.
  • ACH Transfer – You may pay your account balance by authorizing an Automated Clearing House (ACH) transaction from your bank account.
  • Check – You may pay your account balance by writing a check payable to the order of: WellPay, Corp.
    Please send all checks to: WellPay, Corp., 400 Concar Dr. San Mateo, California 94402.

3.4. Access to Your Account.

You are responsible for maintaining the secrecy of the login credentials to your WellPay account. You agree to establish reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals, which includes choosing passwords and other credentials in a manner that will protect the security of your information. Your credentials include your username and password to your WellPay account and to any third party account you have used to login to your WellPay account. You are also responsible for maintaining the accuracy of the information in your WellPay account.

3.5. Website & App Content.

The information on the WellPay website and other platforms is for information purposes only. It is believed to be reliable, but WellPay does not make any promises as to its completeness, timeliness or accuracy. The information and materials contained in the Website, and in this Agreement, are subject to change without notice.

Access to the Services may from time to time be unavailable, delayed, limited or slowed due to, among other things:

  • servers, networks, hardware failure (including your own computer), telecommunication lines and connections, and other electronic and mechanical equipment;
  • software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
  • overload of system capacities;
  • damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
  • interruption (whether partial or total) of power supplies or other utility of service; strike or other stoppage (whether partial or total) of labor;
  • governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
  • any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of WellPay.

3.6. Links to Other Websites.

Links to non-WellPay websites are provided solely as pointers to information on topics that may be useful to users of the Services, and WellPay has no control over the content on such non-WellPay websites. WellPay makes no warranties concerning the content of such websites, including the accuracy, completeness, reliability of said websites, nor does WellPay warrant that such website or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. If you choose to follow a link to a website not controlled by WellPay, you must do so at your own risk. WellPay does not guarantee the authenticity of documents on the Internet. Links to non-WellPay websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such websites.

3.7. Closing Your Account.

You may request to close your account at any time by contacting us at help@wellpay.care. Your request may take up to 30 business days to process. Upon account closure, we will cancel any pending transactions unless otherwise legally prohibited. If you owe any payment, WellPay will not close your account until that payment has been made, but we may limit your ability to make additional transactions using your account. You may not close your account to evade an investigation. You will remain liable for all obligations related to your account even after the account is closed. WellPay will retain your information in accordance with our Privacy Policy and any applicable state or federal law, rule or regulation.

3.8. Dormant Accounts.

WellPay may close your account if you do not log in to your account or use the WellPay Services for two or more years. WellPay will retain your information in accordance with Section 3.7 above.

3.9. Feedback You Provide.

If you submit comments, ideas, or feedback to us, you agree that we can use them without any restriction or compensation to you. If we accept your submission, we do not waive any rights to use similar or related ideas or feedback previously known to us, developed by our employees, or obtained from sources other than you.

4. How you may NOT use WellPay.

By using the WellPay Services, you agree that:

  • You will not engage in any activities related to the Services that violate any applicable law, statute, regulation, or ordinance or breach this Agreement or any other agreement or policy you have with WellPay;
  • You will not provide false, inaccurate or misleading information;
  • You will not provide information belonging to any person other than yourself or use an account that belongs to another person for yourself or on behalf of another person;
  • You will not use the Services to purchase:
  • Illegal items or conduct any illegal activities or transactions;
  • Ammunition, firearms, certain firearm parts or accessories, and certain weapons or knives regulated under applicable law;
  • Narcotics, steroids, controlled substances, quasi-pharmaceuticals, or drug paraphernalia;
  • Currency in any form, including virtual and digital currency;
  • Stolen goods, including but not limited to, digital or virtual goods; or
  • a good or service deemed unacceptable by WellPay or its bank partner(s), in their sole discretion;
  • You will not use any device, software, routine, file or other tool or technology, including but not limited to any viruses, trojan horses, worms, time bombs or cancelbots, intended to damage or interfere with the Services or to surreptitiously intercept or expropriate any system, data or personal information from the Services;
  • You will not use the Services to make payment(s) on an existing WellPay Installment Credit(s). Unless otherwise expressly permitted by WellPay, you will not use the Services for the purpose of payment for an existing Installment Credit(s) from another institution;
  • You will not use the Services to accomplish a cash advance, wire or money transfer;
  • You will not commit unauthorized use of WellPay’s Website and systems including but not limited to unauthorized entry into WellPay’s systems, misuse of passwords, or misuse of any information posted to a site; and
  • You will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial of service attacks, “spam” or any other such unsolicited overload technique.

5. How WellPay will resolve disputes.

5.1. Disputes with WellPay.

If a dispute arises between you and WellPay, our goal is to provide you with a neutral and cost-effective means of resolving the dispute quickly. In the event of a dispute we encourage you first to contact WellPay at help@wellpay.care to try resolving your problem directly with us.

5.2. Mandatory Arbitration.

THIS SECTION AFFECTS YOUR RIGHTS, PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS OF SERVICE BY USING THE WellPay SERVICE OR THE WEBSITE. Except as explicitly provided in this Agreement, any dispute or claim relating in any way to your visit to the Website, your use of the WellPay Services, a product offered or provided by or through the Website or Service, or otherwise arising out of or relating to this Agreement or the Services that cannot be resolved directly between you and WellPay shall be resolved by non-appearance based binding arbitration, rather than in court. Except as otherwise provided in this Agreement, this includes any claims based in contract, statute, tort, fraud, misrepresentation or any other legal theory. The Federal Arbitration Act and federal arbitration law apply to this Agreement. There is no judge or jury in arbitration and court review of an arbitration award is limited, but an arbitrator can award an individual the same damages and relief as a court and must apply and follow the terms of this Agreement as a court would. YOU UNDERSTAND THAT ABSENT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.

Either you or we can initiate arbitration through the alternative dispute resolution provider the American Arbitration Association (the “AAA”) pursuant to the then-current Supplementary Procedures for Consumer-Related Disputes (the “Consumer Rules”), both of which are available at the AAA website www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined by the arbitrator to be excessive, WellPay will pay all arbitration fees and expenses.

The arbitration shall be conducted by telephone or electronic means and/or shall be solely based on written submissions, the specific manner of which shall be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless the arbitrator determines that an in-person hearing is necessary based on the request of one of the parties and any judgment on the award rendered by the arbitrator shall be final and may be entered in any court of competent jurisdiction. You and WellPay each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial and agree to proceed only on an individual basis and not in a class, consolidated, or representative action. The parties hereby appoint the arbitrator the exclusive power to rule on any challenges to the requirement for the use of alternative dispute resolution process in these terms.

We also both agree that you or we may bring suit in court to obtain interim or preliminary injunctive relief necessary to protect the rights or property of you or WellPay and all of its partners, affiliates, shareholders, employees, and agents of any kind (together, our “Affiliates”).

Except as explicitly provided elsewhere in this Agreement, all claims you bring against WellPay must be resolved in accordance with this Section. Any claim filed or brought contrary to this Section shall be considered improperly filed. Should you file a claim contrary to this Section, WellPay may recover from you attorneys’ fees and costs up to $1,500 per claim, provided that WellPay first has notified you in writing of the improperly filed claim and you have failed to promptly withdraw the claim.

5.3. Restrictions.

You and WellPay agree that any arbitration shall be limited to the dispute between WellPay and you individually. To the fullest extent permitted by law, (1) no arbitration shall be joined with any other; (2) there is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (3) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

5.4. Exceptions to Informal Negotiations and Arbitration.

You and WellPay agree that the following disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (1) any disputes seeking to enforce or protect, or concerning the validity of, any of your or WellPay’s intellectual property rights; and (2) any claim for injunctive relief.

6. Miscellaneous Provisions.

6.1. Operations.

WellPay operates and controls the Services from its offices in the United States. WellPay makes no representation that the Services are appropriate or available in other locations. The information provided on the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject WellPay to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. Software from the Services may be subject to United States export controls. Thus, no software from the Services may be downloaded, exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, North Korea, Iran, Syria, or any other country to which the United States has embargoed goods; or (ii) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading any software, you represent and warrant that you are not located in, under the control of, or a national or resident of, any such country or on any such list. The parties specifically disclaim application of the Convention on Contracts for the International Sale of Goods. These Terms of Service are effective until terminated by either party. You may terminate these Terms by destroying all Service-related materials obtained from the Service, WellPay or any other website or source and paying all amounts you owe (including any fees or expenses incurred or imposed by WellPay) in full. The privileges granted to you under these Terms of Service will terminate immediately and automatically without notice from WellPay if, in our sole discretion, you fail to comply with any term or provision of these Terms of Service. Neither the course of conduct between the parties nor trade practice will act to modify these Terms of Service. You may not assign these Terms of Service without WellPay’s prior written consent, but WellPay may assign these Terms of Service and its rights and obligations hereunder to any party at any time without any notice to you. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import. Upon WellPay’s request, you will furnish WellPay any documentation, substantiation or releases necessary to verify your compliance with these Terms of Service. You agree that these Terms of Service will not be construed against WellPay by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Service and the lack of signing by the parties hereto to execute these Terms of Service.

6.2. Enforceability and Governing Law.

The failure of WellPay to exercise or enforce any right or provision of these Terms of Service does not constitute a waiver of such right or provision. These Terms of Service constitutes the entire agreement between you and WellPay with regard to your use of the WellPay Services and any previous Terms of Service that may exist between you and WellPay is hereby superseded. These Terms of Service cannot be changed or modified by you except as posted on the Services by WellPay. If any provision of this Agreement is held to be unenforceable, the unenforceable term or provision shall be replaced by an enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision and the remaining provisions shall be enforced. To the extent that anything in or associated with the Services is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. The laws of the State of Delaware govern your access to, and use of, the Services and the terms of this Agreement.

6.3. Intellectual Property.

All content, design, graphics, compilation, magnetic translation, digital conversion and other matters to the Services are protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property rights) and owned by WellPay or one of its affiliates. The copying, redistribution, use or publication by you of any part of the Services, unless expressly permitted in this Agreement, is strictly prohibited. Use of the Services does not give you ownership of any intellectual property rights in any of the content, documents or other materials you access. The posting of information or materials on the Services does not constitute a waiver of any right in such information and materials.

6.4. Trademark.

“WellPay” is the marketing name for certain financial services activities of WellPay as operator of the Services. “WellPay” is a trademark of WellPay. Other featured words or symbols may be the trademarks of their respective owners.

6.5. Indemnification.

You agree to indemnify, defend and hold WellPay and its Affiliates harmless from any liability, including reasonable attorneys’ fees, related to your use of the Services or any violation of these Terms of Service.





6.8. Statute of Limitations.

You and WellPay both agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services, Terms of Service or Privacy Policy must be filed within ONE (1) YEAR after such claim or cause of action arose or be forever barred.

6.9. No Third-Party Beneficiaries.

This Agreement is between you and WellPay. No user has any rights to force WellPay to enforce any rights it may have against you or any other user.

6.10. Government Use.

If you are a part of an agency, department, or other entity of the United States Government (“Government”), the use, duplication, reproduction, release, modification, disclosure or transfer of any of our products or Services is restricted in accordance with the Federal Acquisition Regulations as applied to civilian agencies and the Defense Federal Acquisition Regulation Supplement as applied to military agencies. The Service and any related software is a “commercial item,” “commercial computer software” and “commercial computer software documentation.” In accordance with such provisions, any use of the Service by the Government shall be governed solely by these Terms.

6.11. Covered Borrowers under the Military Lending Act.

Notwithstanding any other provision of this Agreement, Sections 5.2, 5.3, 6.7, and 6.8, and the waiver of defenses provision of Section 6.1 shall not apply to a “covered borrower” under the Military Lending Act, as defined in 32 C.F.R. § 232.3(g). Furthermore, nothing in this Agreement shall be construed as applying to a covered borrower to the extent inconsistent with the Military Lending Act.

WellPay E-Sign Consent Agreement

This E-Sign Consent constitutes your consent to receive disclosures and other information in electronic form. In connection with the WellPay Services, WellPay is required by law to provide you with certain disclosures. Without your consent, WellPay is not permitted to provide those disclosures to you online. If you do not consent to this E-Sign Consent, you should not use the WellPay Services.

1. Consumer Consent.

Before using the WellPay Services, you will be asked to consent to the WellPay Terms of Service by clicking “Create Account.” This action constitutes your electronic signature and manifests your consent and agreement to the following terms:

  • WellPay may provide disclosures required by law relating to the WellPay Services and any other information about your legal rights and duties and your account to you electronically.
  • WellPay may send any communications, billing statements, or required disclosures, such as initial and annual privacy notices (together, “Disclosures”) to you electronically via our website or to the email address or mobile telephone number that you have provided to us, either directly or indirectly via the Provider will send funds on your behalf.
  • WellPay amay notify you via email when the Disclosures are available. The Disclosures will be available for at least 30 days and will be provided to you in a format that can either be printed or downloaded for your records. Whenever we send you an email or text message regarding the Disclosures, that email or text message will contain instructions regarding how to view the Disclosures.
  • Your electronic signature on agreements and documents has the same effect as if you signed them in ink.
  • This consent applies to any transaction undertaken through the Services in the past, to all future disclosures and communications on your account, to all future transactions in which you use the Services, at any time, to any transaction with us, and to other Disclosures that we provide to you by email.

2. Minimum Requirements.

You understand that, in order to view and/or retain copies of the Disclosures, you may need a computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome), a valid email address, a working mobile telephone number that can receive text messages, sufficient storage space to save Disclosures or the capability to print the Disclosures from the device on which you view them.

3. Withdrawing Consent.

You are free to withdraw your consent at any time. If at any time you wish to withdraw your consent, you can send us your request by submitting a request through the ‘contact us’ link at www.wellpay.care, emailing help@wellpay.care or writing to us at WellPay, Corp., 400 Concar Dr. San Mateo, California 94402. If you decide to withdraw your consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected and WellPay may close or limit access to your account. You agree to pay any amount owed to WellPay even if you withdraw your consent and we close or limit access to your account.

4. Legal Effect.

Your consent to this E-Sign Consent means that Disclosures WellPay provides to you electronically shall have the same meaning and effect as if provided in paper form. A text message or email alerting you that Disclosures are available electronically, provided that the Disclosures are made available online shall have the same meaning and effect as if WellPay had provided those Disclosures to you in paper form, regardless of whether you actually view those Disclosures, unless you have withdrawn your consent pursuant to Section 3, above, prior to receiving such Disclosures.

5. Miscellaneous.

You agree that WellPay may modify or change the methods of disclosure described herein, and that WellPay may send you Disclosures in paper form at its option. You can obtain a paper copy of an electronic Disclosure at no charge, provided that such request is made within a reasonable time after we first provided the electronic Disclosure to you. To request a paper copy of a Disclosure, contact Customer Care at (415) 935-4133.

You also agree that WellPay is not responsible for any delay or failure in your receipt of any text message or email notice that is not caused by WellPay’s failure to send such a notice to the phone number or email address you have provided for that purpose.

Privacy Policy

Last Updated March [ 20 ], 2020, Version 032004c

PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES THE WAYS WELLPAY, CORP. (“WellPay”, “we”, “us”, “our”) OR OUR VENDORS COLLECT, PROTECT, USE AND STORE YOUR PERSONAL INFORMATION. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES”). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.

1. How WellPay collects your information.

1.1. Information You Give WellPay.

If you open an account or use the WellPay Service, we may collect the following types of information: Personal information – your name, Social Security number, address, phone, email, third-party application IDs, and other similar information. Financial information – bank account numbers and/or credit card numbers that you link to your WellPay account or give us when you use the Services. Health-related information – your medical bill(s) or other health-related information that you provide to us. Before permitting you to use the Services, we may require you to provide additional information, including but not limited to your date of birth, social security number and other personal information. We may use this information to verify your identity or other information you provide.

1.2. Information WellPay Learns From Your Use.

When you visit the WellPay website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, clickstream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates.

1.3. Cookies and Anonymous Identifiers.

We use various technologies to collect and store information when you use the Services, and this may include sending one or more cookies or anonymous identifiers to your device. We also use cookies and anonymous identifiers when you interact with the services we offer to our partners, such as advertising services or WellPay features that may appear on other sites and in any other manner that we deem necessary for our business purposes.

You may disable cookies by changing the settings on your browser, phone and/or device. Check your browser or device’s help or support menu for further information. Remember that if you disable cookies it is likely to affect how the Services work and you may not be able to access or use certain features of the Services. Unless you have adjusted your setting so that it will refuse cookies, our Services will place cookies when you log on to the Services


1.4  Third Party Analytics

We use third parties’ analytic and tracking tools to better understand who is using the Services, how people are using the Services and how to improve the effectiveness of the Services and its content, and to help those parties serve more targeted advertising to you across the Internet or help us serve more targeted advertising to you. Those third party companies may use cookies, pixel tags or other technologies to collect and store non-personal information such as time of visit, pages visited, time spent on each page of the Services, device identifiers, type of operating system used and other website(s) you may have visited. They might combine information they collect from your interaction with Services with personal information they collect from other sources. We do not have access to, nor control over, third parties' use of cookies or other tracking technologies.


1.4. Information Obtained From Third Parties.

We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your WellPay account and authorizing WellPay to have access to this information, you agree that WellPay may collect, store and use this information in accordance with this Privacy Policy.

1.5 Do Not Track Signals.

Do Not Track (DNT) is a privacy preference that users can set in some web browsers, allowing users to opt out of tracking by websites and online services. We do not currently respond to DNT signals and operates as described in this Privacy Policy whether or not a DNT signal is received.

2. How WellPay protects your information.

2.1. Data Security.

WellPay stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees or agents who require it to fulfill the responsibilities of their jobs. Please note that the information that you transmit to us electronically may not be secure. While we strive to protect your information, including your health-related information, despite our best efforts, no security measures are perfect or impenetrable.


2.2 Children’s Privacy. 

We do not seek or knowingly collect any personal information about children under 18 years of age. If we become aware that we have unknowingly collected personal information from a child under 18 years of age, we will make commercially reasonable efforts to delete such information from our database.

If you are the parent or guardian of a child under 18 years of age who has provided us with personal information, you may contact us to request it be deleted.



3. How WellPay uses your information.

3.1. To Improve Our Service.

WellPay uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.

3.2. To Serve Relevant Marketing to You.

We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.

4. When WellPay shares your information.

4.1. For Our Everyday Business Purposes.

We share your personal information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer the WellPay Service. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus. We may share your information with the merchants you use the WellPay Services with for marketing purposes, and as otherwise permitted by law.

4.2. When Required By Law.

We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity.

4.3. With Our Merchant Partners to Provide Personalized Offers.

We may share your information with merchants you interact with using WellPay for marketing, if you consent or as permitted by law. By creating a WellPay account, you consent to WellPay to share your information with merchants you use the WellPay Services with, for those merchants to market to you. We do this to help merchants personalize services and offers, so you can have a better experience. You’re able to revoke your consent at any time by following the steps below. If you choose to do so, we will stop sharing your information with merchants from that point onward, except as necessary to complete transactions you initiate. To revoke your consent to information sharing with merchants for marketing, you can log into your WellPay account at https://pay.wellpay.care/ and edit your Personalized Services preferences.

4.4. Sale of Our Business.

We may share your information in connection with the sale of our business (including merger, acquisition, or sale of all or a material portion of its assets, change in corporate control, or insolvency or bankruptcy proceedings).


5. How WellPay does NOT use your information.

5.1. Selling Information to Third Parties.

We don’t sell or rent your personal information to third parties.

6. Third Party Websites & Links

Our Services may contain links to other online platforms operated by third parties. We do not control such other online platforms and are not responsible for their content, their privacy policies, or their use of your personal information. Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators except as disclosed on the Services. 

Please keep in mind that information you post on public or semi-public venues, including information you share on third party social networking platforms (such as Facebook or Twitter) may also be viewable by other users of the Services and/or users of those third-party online platforms without limitation as to its use by us or by a third party. When you provide information to a third-party online platform, the information you provide may be separately collected by that third-party. The information the third-party online platform collects is subject to the third-party online platform’s privacy practices. Privacy choices you make on the third-party online platform will not apply to our use of the information we collect directly through our Services. 

We expressly disclaim any and all liability for the actions of third parties, including but without limitation to actions relating to the use and/or disclosure of personal information by third parties.  

7. What are your options?

7.1. Notifications.

If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing help@wellpay.care. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. WellPay reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the WellPay Service. You are still responsible for any amounts due to WellPay even if we close or limit access to your account.

7.2. SMS Messaging.

You can opt out of receiving SMS messages by emailing help@wellpay.care. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, WellPay reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the WellPay Service. You are still responsible for any amounts due to WellPay even if we close or limit access to your account.

7.3. Access Your Information.

You can review and edit your personal information at any time by logging in to your account on the Website or by contacting us at help@wellpay.care. You can also request to close your account by contacting us at help@wellpay.care. If you close your WellPay account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.

7.4. Your California Privacy Rights.

This Privacy Policy describes how we may share your information for marketing purposes. It applies to all users of the Services, including California residents.

As a California resident, you may contact us with any questions or to request a list of third parties to whom we may disclose Information for such third parties’ marketing purposes and the categories of Information we may disclose. See Contact WellPay below.


7.5. Contact WellPay.

If you have questions or concerns regarding this Privacy Policy, you should contact us at: 400 Concar Drive, San Mateo, CA 94402, by phone at 877-561-9579, or by e-mail at help@wellpay.care.

What does WellPay, Corp. 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 and account balances
  • Transaction history and account transactions
  • Credit scores and checking account information
  • When you are no longer our customer, we continue to share your information as described in this notice.
  • How : 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 WellPay, Inc. chooses to share; and whether you can limit this sharing.

How Does WellPay protect my 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.