Privacy Policy

1. Information We Collect

Information You Provide

When using our Service, you provide:

• Employer Information: Company name, address, contact details
• Employee Information: Name, address, potentially Social Security Number
• Pay Information: Income amounts, pay periods, deductions, tax withholdings
• Payment Information: Credit card details, billing address (processed by third-party payment processors)
• Contact Information: Email address for order confirmation and support

Information Automatically Collected

We automatically collect certain information when you use our Service:

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent, clicks, referral sources
• Cookies and Tracking: Session cookies, analytics cookies (see Cookie Policy section)
• Transaction Records: Date, time, amount, and items purchased

2. How We Use Your Information

We use collected information for the following purposes:

• Service Delivery: To generate pay stub documents based on your specifications
• Payment Processing: To process transactions and send order confirmations
• Customer Support: To respond to inquiries and provide assistance
• Fraud Prevention: To detect and prevent fraudulent activity and abuse
• Legal Compliance: To comply with legal obligations and law enforcement requests
• Service Improvement: To analyze usage patterns and improve our Service
• Communications: To send transaction emails and (with consent) promotional materials

3. Data Retention and Storage

Minimal Retention Policy: We follow a data minimization principle and do not store personal information longer than necessary.

• Pay Stub Data: Information entered to generate pay stubs is processed temporarily and not stored permanently. You receive the generated document immediately.
• Transaction Records: We retain transaction records (date, amount, email) for 7 years for tax compliance and fraud prevention, but do not retain pay stub content details.
• Cookies and Analytics: Stored according to your browser settings or until you clear them (typically 30-90 days).
• Email Communications: Retained until you unsubscribe or request deletion.

We do NOT permanently store sensitive personal information such as Social Security Numbers or detailed pay stub content.

4. Data Security

We implement reasonable security measures to protect your information:

• SSL/TLS Encryption: All data transmitted between your browser and our servers is encrypted using 256-bit SSL/TLS
• PCI-DSS Compliance: Payment processing complies with Payment Card Industry Data Security Standards
• Access Controls: Restricted access to data on a need-to-know basis
• Security Monitoring: Continuous monitoring for suspicious activity
• Regular Updates: Security patches and software updates applied regularly

No Absolute Security: Despite our efforts, no method of transmission or storage is 100% secure. You acknowledge and accept this risk when using our Service.

5. Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

We share information with third-party service providers who assist in:

• Payment processing (Stripe, PayPal, etc.)
• Email delivery (SendGrid, Mailchimp, etc.)
• Analytics and website monitoring (Google Analytics, etc.)
• Hosting and infrastructure (AWS, Vercel, etc.)

These providers are contractually obligated to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose information when required or permitted by law:

• In response to subpoenas, court orders, or legal process
• To law enforcement agencies investigating fraud or illegal activity
• To protect our rights, property, or safety, or that of others
• To enforce our Terms of Service
• In connection with a business transfer (merger, acquisition, bankruptcy)

What We DO NOT Do

• We do NOT sell your personal information to third parties
• We do NOT rent or lease your data to marketers
• We do NOT share pay stub content with anyone except as legally required

6. Your Privacy Rights

General Rights (All Users)

You have the right to:

• Access: Request a copy of personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-Out: Unsubscribe from marketing communications at any time
• Object: Object to processing of your information for certain purposes

California Residents (CCPA/CPRA Rights)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to Know: Request details about personal information we have collected, used, disclosed, or sold in the past 12 months
• Right to Delete: Request deletion of your personal information (with certain exceptions)
• Right to Opt-Out: Opt-out of the sale of your personal information (Note: We do NOT sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights
• Right to Correct: Request correction of inaccurate personal information
• Right to Limit: Limit use of sensitive personal information

To exercise these rights, contact us at support@renterpaystub.com with "California Privacy Rights" in the subject line.

European Residents (GDPR Rights)

If you are in the European Economic Area (EEA), UK, or Switzerland, you have rights under GDPR:

• Right to Access: Obtain confirmation of data processing and a copy of your data
• Right to Rectification: Correct inaccurate personal data
• Right to Erasure: Request deletion of your data ("right to be forgotten")
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a machine-readable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time (where processing is based on consent)
• Right to Lodge a Complaint: File a complaint with your local data protection authority

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

Types of Cookies

• Essential Cookies: Required for Service functionality (session management, security)
• Analytics Cookies: Help us understand usage patterns (Google Analytics)
• Preference Cookies: Remember your settings and choices
• Marketing Cookies: Track effectiveness of advertising (with your consent)

Your Control: You can control cookies through your browser settings. Disabling cookies may affect Service functionality.

8. Data Breach Notification

In the event of a data breach that affects your personal information, we will:

• Notify affected users via email within 72 hours of discovery
• Describe the nature of the breach and information compromised
• Provide steps you can take to protect yourself
• Detail our remediation efforts
• Notify appropriate regulatory authorities as required by law

9. Children's Privacy

Our Service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, contact us immediately at support@renterpaystub.com.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our Service, you consent to the transfer of your information to the United States and other jurisdictions where we operate.

For EEA/UK users, we rely on appropriate safeguards such as Standard Contractual Clauses approved by the European Commission.

11. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to review their privacy policies before providing any information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting. Material changes will be communicated via email or prominent notice on our website. Your continued use after changes constitutes acceptance of the updated policy.

13. Contact Information

For privacy-related inquiries, to exercise your rights, or to report concerns:

Email: support@renterpaystub.com
Subject Line: Privacy Inquiry / CCPA Request / GDPR Request
Response Time: We will respond within 48 hours (30 days for formal requests)

Data Protection Officer: For EU inquiries, contact privacy@renterpaystub.com