This policy discloses what information we gather, how we use that information, how and why we may share that information, and other important information.
Information That We Collect
WEX collects information: (i) from you and from certain third parties when you submit a commercial credit application or enter into a credit agreement with us; (ii) in the form of transaction data when you use our cards; (iii) when you submit a request for information about our programs via email or in response to one of our marketing campaigns; (iv) through the use of web tracking software; and (v) from third parties to help us identify products and services which may be useful to you. We seek to maintain accurate, complete, and up-to-date information. You may contact us through our Customer Service department to request access to identifiable information that we have collected regarding you or your business or to notify us of changes to such information. If you request any such changes, we will contact you by email or fax to confirm whether the changes have been or can be made as requested.
Card Program Applications
WEX offers a variety of card programs. These programs include the WEX Universal Fleet Card, co-branded or private label card programs, and the WEX Financial Services Corporation MasterCard (hereinafter collectively referred to as “Card Program(s)”). We collect application information from you when you complete an application for one of our card products. The information contained in the application typically includes, but is not limited to, company information (such as the company’s name, address, taxpayer identification number, and contact information), billing information (such as the business representative’s name and address) and business credit information (such as the name and title of a principal in the business, the type of business, how long the business has been in existence, year of incorporation, and the business’ bank and trade references).
In the event that you provide this information to us via our on-line application on our website, please be aware that we utilize database technology that is capable of retaining information entered in our on-line application, even if you do not submit the application. If you are not certain that you want to submit the application on-line, we encourage you to print out the application form so that you may complete it at your convenience and submit it via regular mail or facsimile transmission.
When you use your Card, we collect transaction data. Such data typically includes the following information:
- Name of cardholder
- Transaction date
- Card/account number
- Total dollar amount of transaction
- Vehicle number, if any
- Driver identification number, if any
- Vehicle odometer reading, if any, as entered by the cardholder
- Amount of fuel purchased, if any
- Price per gallon of fuel purchased, if any
- Non-fuel items purchased, if any
- User established product restrictions, if any
- Merchant at which the transaction occurred
- For certain programs, cardholder contact information
This information is sent to WEX as a result of the purchases that are made using our Card Programs and may be collected by the merchant where you made the purchase, or by third parties not having a direct contractual relationship with WEX (e.g. a third party network provider for the merchant where you made the purchase).
You may request information about our programs through our website or in response to marketing campaigns. The information that you are asked to provide in such a request includes your contact information (such as name, title, the name and address of your business, phone number, fax number, e-mail address) and company information (such as type of company, number of vehicles, number of employees, and primary fueling method).
Web Tracking Software
We use web tracking software that allows us to collect and store information such as the name of the domain from which you access the Internet, the date and time that you access our site, the Internet address of the website from which you linked to our site, and the pages that you visited while on our web site.
We may supplement the information that you provide with additional information we receive from third parties, including service providers, credit bureaus and industry trade groups. We treat any supplemental information we receive from third parties as carefully as the information that you provide to us directly. As part of our application process, you may authorize us to collect certain consumer reports or personal information that we will collect and rely upon in connection with your application for a commercial charge or credit account with us.
How We Use the Information We Collect
WEX uses the information you provide in connection with a Card Program application for the specific purpose of evaluating your creditworthiness with regard to such application, as well as to collect and verify certain information which is required by lending or banking laws for us to create an account for you.
WEX may also use the information that you provide, such as your postal/mailing address and/or email address, to send you promotions or solicitations for products or services.
Information collected through our database technology in connection with incomplete online applications is used to gauge your interest in our products and to assist us in our marketing efforts and our ability to better serve our customers.
We use transaction data gathered when you use your Card for the purpose of processing the transactions. The transaction data is critical to our ability to provide billing and reporting to you. Depending on the Card Program that you have chosen, you may have paper, electronic or online billing and reporting options. In addition, we may use transaction information that we collect from our customers for marketing or other promotional purposes.
If you have provided information to us as part of an information request, WEX may use that information to assist in responding to your request or collect such information for marketing or other promotional purposes.
WEX uses the information collected as a result of our web tracking software to help diagnose problems with our server, to track user traffic patterns, and to administer our website. This information allows us to determine which areas are of most interest and use to our visitors, which avenues of site promotion are most effective and at what time we can expect peak usage.
WEX may use aggregated application information or transaction data for internal and external analytical purposes, including marketing purposes. However, aggregated information and data will not be identified with any particular applicant, individual customer or individual cardholder.
With Whom We Share the Information We Collect
WEX has agreements with certain companies (such as fuel providers or vehicle leasing companies) to offer co-branded and private label charge card programs. If you participate in one of our co-branded or private label card programs, specific information about you and/or your account may be shared with the sponsor of the card program that you have elected to use for your card provider. For example, WEX performs credit adjudication services on behalf of some of these program sponsors. In these instances, WEX may submit application processing status reports to the program sponsor. These status reports are intended to measure our performance on behalf of the program sponsor and contain limited customer information. These reports do include the name of the customer, the date(s) that the customer’s application was reviewed, whether the application was approved or denied, and may include comments detailing actions taken or expected to be taken to complete the review of the application.
If a customer uses a co-branded or private label card, the program sponsor is given limited access to transaction data that allows them to determine what products are purchased by the customer and to tailor their services accordingly.
In connection with the adjudication of any credit application, we may disclose the information contained in the application to credit bureaus, credit references and other sources disclosed by the applicant for the purpose of evaluating the creditworthiness and verifying the identity of the applicant. Furthermore, we reserve the right to provide information related to our own business relationship with you to credit bureaus or related sources.
WEX utilizes third party collection agencies to assist us in recovering against delinquent accounts. We disclose only that information that is necessary for such collection agencies to perform the services for which they were hired. Such information routinely includes the name, address and phone number of the accountholder, account balance, payment history, and details concerning previous internal collection efforts. Subject to applicable legal restrictions, WEX may share certain information that we have collected about our commercial customers to third parties for marketing purposes if we reasonably believe that such third parties can offer products or services that would be beneficial to those customers. We do not rent or sell your email address to third parties.
WEX may disclose or exchange with third parties any information that you have provided to us if we believe in good faith that the law requires us to do so or if it is necessary to protect the rights or property of WEX or our users. Additionally, as we continue to grow as a business, we may acquire or be acquired by another company. In such a transaction, customer information will most likely be one of the transferred assets.
Additional Privacy Issues
Security: WEX recognizes the importance of secure online interaction, and we utilize a number of methods to safeguard your transmissions. Our website is hosted on secure servers with firewall protection. WEX uses SSL encryption technology on our website and information that is gathered is stored within secure databases protected by multiple firewalls. As effective as current encryption technology is, however, no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the information provided via our website will not be intercepted while being transmitted to us over the Internet.
Email: WEX may use your email address for the following types of email communications:
- Email Service Notifications – We may need to send you information about changes to your account(s), system errors or outages.
- Occasional Updates – We may send you email updates about our products and services as well as valuable offers.
- Regularly Scheduled Email Newsletter – We may send you an email newsletter that includes helpful tips to maximize the benefits of your account, fuel price trends, new accepting merchants, information about our products and services, valuable offers, survey questions and results.
WEX Inc. does not send unsolicited “junk” email (spam). At WEX, we respect your privacy and do not sell or rent your email address to third parties. If you wish to unsubscribe (or opt-out) of receiving marketing emails from WEX, see the “unsubscribe” link at the bottom of those email messages you receive.
Please note that we will continue to send you email service notifications that are related to your account(s). These include emails that provide account information, answer your questions about a product or service, send information that you have subscribed to receive, facilitate or confirm a sale, or fulfill a legal or regulatory disclosure requirement. This is in compliance with the CAN-SPAM Act of 2003.
“Cookies”: Our website makes use of a standard feature of browser software called a “cookie” to assign each visitor a unique, random number. A cookie is a file that identifies a computer as a unique user. Cookies may be used to facilitate your use of our website, to maintain site security and to improve our website. Most browsers are initially set up to accept cookies. You may be able to reset your browser to refuse all cookies or to indicate when a cookie is being sent. If cookies are disabled, however, our website (and other websites) may be harder to use. A cookie cannot read data stored on the hard drive of a computer.
Links to Other Sites: Our website contains links to other sites whose information practices may be different than ours. You should consult the other sites’ privacy notices as WEX has no control over information that is submitted to, or collected by, these third parties and how that information is used.
Children: We provide business services and do not intend to collect or knowingly collect any information from or about children. It is possible that a child may impersonate a company representative and attempt to apply for a Card and, in so doing, provide the child’s name, address, phone number, fax number, email address and other identifying information. When such information is received and we are aware that the individual providing the information is a child, the information is used only to reject the child’s application and is immediately deleted by us. WEX cannot always determine if a visitor to its website or the sender of an email is a child.