Coast Privacy Policy

Last Updated: November 20, 2023

K-Dimensional Holdings Inc. d/b/a Coast (“Coast” or “we”) provides a fuel and fleet card and software platform for companies with vehicle fleets. We care about the security and privacy of the personal information we receive, such as personal information about visitors to our website and individuals affiliated with the company that is applying for or has opened a Coast Account (“Company”). For purposes of this Privacy Policy, “You” refers to the natural person interacting with us. Any terms we use in this Privacy Policy without defining them have the definitions given to them in the Platform Agreement.

This Privacy Policy covers our treatment of personal information that we gather in the conduct of our business, including how we collect personal information, how we use it and share it, your rights and choices and how you can contact us about our privacy practices.

Personal information means any information that identifies or relates to a particular individual. Personal information does not include anonymized or aggregated data. This Privacy Policy does not cover the practices of companies we don’t own or control, or people that we don’t manage.

Table of Contents

Personal Information We Collect and How We Collect It
How We Use Personal Information
How We Share Personal Information
Other Important Information About Your Personal Information
Internet-Based Advertising
Your Choices About Your Personal Information
Changes to This Privacy Policy
Contacting Us

1. Personal Information We Collect and How We Collect It

The personal information we process depends on the products you use and how you access them. We collect information when you directly interact with Coast in the following ways:

Requesting a Prequalification, filling out an application and creating a Coast Account
Making purchases using a Card
Browsing coastpay.com or our client portal
Onboarding Users and Administrators to the Company’s Coast Account
Using any Coast mobile apps
Connecting bank accounts to the Company’s Coast Account or paying a Coast bill
Calling, chatting, or interacting with Coast (such as with our customer service or sales representatives)

Information needed to apply and create a Coast Account

If you are requesting a Prequalification or applying for a Coast Account on behalf of a Company, we need to process a certain amount of preliminary information about you, the Company, and individuals associated with the Company to create a Coast Account and to comply with our legal and regulatory obligations. When you request a Prequalification and/or apply for a Coast Account on behalf of the Company, we may process:

Your name
Your title or role on your team
Your email
Your phone number
Your address
Your date of birth
Your password (hashed)
Your Social Security Number (SSN) or Tax Identification Number (TIN)
Other information and documents pertaining to your identity such as copies of a passport, driver’s license, or other government-issued ID
Information related to the Company, including the Company’s legal name, address, copies of the Company’s corporate documents, Employer Identification Number (EIN), gross annual revenue, number of vehicles/employees, type of business, and years in operation
Information about individuals with managerial authority or individuals who have an ownership interest in the Company (see “Information necessary to comply with regulatory and legal requirements” below)
Bank account information
Information about the device(s) you use to apply for an account (such as IP address, geolocation, and device type)

Information necessary to comply with regulatory and legal requirements

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each business that opens an account, including information about each “beneficial owner” of the business. A beneficial owner is any individual who, directly or indirectly, owns 25% or more of the equity interests of the business and a single individual with significant responsibility to control, manage or direct the business. What this means for you: if you apply for a Coast Account on behalf of the Company, we will ask for personal information about you and each beneficial owner of the Company, together with information we receive from identity verification services and other third party service providers, that will allow us to identify each of you, including:

Name
Phone number
SSN
Current or previous addresses
Date of birth
Other information pertaining to such person’s identity such as copies of a passport, driver’s license, or other government-issued personal identification

Information needed to use our products and services

If the Company or an Administrator thereof creates a profile for you as a User or Administrator or otherwise allows you to use our products and services, we need to process certain personal information about you, including:

Your name
Your email
Your phone number and other contact information
Your department and location
Your driver’s license number and its expiration date
Information about the vehicles owned or operated by your business, including make, model, year, license plate, VIN, fuel type and tank capacity

Information processed when you make a transaction

Each time you make a payment using a Card, we receive information about your transaction. We may receive this information directly from you or from our financial partners (including the platform providing payment processing and card issuing services to Coast and the bank that is a member of the card network indicated on Coast cards and that is responsible for issuing the cards to you) or the card network. We may process:

Purchase amount
Purchase date
Purchase location
License plate and odometer reading of the vehicle you were using at the time, which we may ask you to provide at the time of purchase
How you used the card (whether you dipped it, swiped it, used it online or in a store, etc.)
Receipt information
Information provided to us by the card network associated with transactions, merchants, or cardholders

Information automatically processed when you interact with our website, mobile app or online services

We may process:

Browser and device information.

IP address
Mobile and other hardware or device identifiers
Operating system
Browser information, such as type and version
Referring and exit pages, including landing pages and pages viewed
Device event information, including crash reports, request and referral URLs and system activity details

Information about your use of our website or mobile app.

Your location
What you click on and what you type, time you spend on our websites, and other user experience information

Cookies and trackers.

Cookies are small data files which are downloaded to your browsing device (such as a computer or smartphone) when you visit a website. We may use cookies and other related tracking tools (such as web beacons, pixels, embedded scripts, location-identifying technologies and logging technologies) to help our website and other online services function effectively. These tools also allow us to:

Provide you services such as those that allow you to chat with our customer support team
Perform website and mobile analytics
Improve the advertisements you see
Help prevent fraud and prevent attacks against our websites and services
Advertise and promote Coast products and services, and additional products and services from our partner companies

We use cookies and trackers to assign you a unique identifier so we can record:

Websites you visit
Length of time the advertisement was visible
IP Address

You can block these at any time using your web browser settings, but doing so may limit browsing experience and your ability to use certain features of our services.

Information processed when you interact with Coast teams

We may process personal information about you when you call, chat, email, or interact with members of Coast teams (such as customer support, sales, or marketing), including:

Your name
Your email, phone number, address or other contact information
Content of your communications, including, in some cases recorded calls, and survey responses

Information related to billing and payments

We may process personal information about you when you authorize, make or send a payment on behalf of a Company’s Coast Account.

Your name, address and telephone number
The amount sent and received
Payment type and account information

Pictures of any checks and related information

Information Processed from Our Business Partners and Service Providers

We process personal information we receive from financial partners, identity verification services, and other third-party service providers, and personal information you share with us about your use of their products and services:

To comply with regulatory and reporting obligations
To facilitate your use of our products or services, or other products and services
To underwrite the Company’s account
To conduct fraud monitoring, prevention, and detection
To fulfill commitments to our business partners
To fulfill requests made by you

Information processed to integrate third-party products and services with a Coast Account

If you choose to link a Coast Account with products and services provided by our business partners, we process personal information we receive from them to ensure our products and services work properly together.

Your bank

To underwrite and provide you with the highest credit limit possible, we may require you to give us information about the Company’s finances and we may ask for access to the Company’s bank account. We may use third-party service providers to process information about the Company’s bank account activity. When you link your bank account, we may process the bank account credentials and all information associated with the bank accounts associated with those credentials, including:

Account names and numbers and unique identifiers associated with your bank
Bank account type
Transaction history and related information
Account balances

In the course of applying for an account with us, we may ask you for copies of the Company’s bank statements and other financial information about the Company. The foregoing information about Company’s finances and bank account activity may include personal information.

To link the Company’s bank account with your Coast Account, a third-party service provider may use and store your bank account credentials. We do not store your bank account credentials on Coast systems.

Program partners.

We get information from financial service providers such as our issuing bank, card networks, and institutions that process payments on our behalf to make our services work. The information we get includes personal information related to your transactions using a Card as described above.

Information processed to conduct fraud monitoring, prevention, and detection

We process personal information from our business partners, financial service providers, credit reporting agencies, identity verification services, public sources, and other third parties to prevent fraud.

Information processed as a result of a business partnership, referral, or agreement

We enter into agreements with financial partners and other businesses that provide products and services related to ours, and as a result of these partnerships, Coast may receive personal information related to that particular relationship or partnership. We may process information about:

You and your relationship with the business partner
Your email or other contact information
Your membership or relationship status with the business partner

Application rejection

To comply with legal and regulatory obligations, we retain certain personal information associated with requests for Prequalification and rejected applications for Coast Accounts.

2. How We Use Personal Information

We process your personal information for the reasons stated specifically in this policy, but we may also process personal information about you to:

Operate our business and provide tailored services to you.

Communicate with you about our products and services by phone, text, email, or chat
Monitor, prevent, and detect fraud or unauthorized activity
Secure our systems and products
Mitigate financial loss, claims, liability, and other harm to Coast, our users, our partners, or third parties
Manage, operate, and improve the performance of our products and services
Determine eligibility for Coast products or services
Help you make a payment via ACH, check or direct debit
Provide you with tailored recommendations
Identify, fix, and troubleshoot bugs and errors
Facilitate reporting, analyze performance, and auditing
Understand how you use our services so we can make enhancements or improvements
Facilitate business relationships or comply with contractual obligations
Comply with our regulatory, legal, and other compliance obligations
Advertise or market services and products to you
Determine eligibility for and provide rewards
Compare information for accuracy and verify it with third parties
We may use information about your geolocation to enhance the security of our products and services and to prevent fraud

Provide you with support.

Help identify and troubleshoot problems with your account
Survey your opinions through surveys or questionnaires
Communicate with you and respond to your specific requests or questions
Manage and send you notifications, confirmations and important information about your account and our products and services

Anonymized and aggregated data

To better target advertisements, improve, and market our products and services, and for other promotional purposes, we may transform personal information into de-identified information by removing or masking information that could be used to identify you and by aggregating or combining de-identified data with other information. If you don’t want us to use your data in anonymized or aggregate form for promotional purposes, contact us at privacy@coastpay.com.

3. How We Share Personal Information

Sharing for business purposes only

Coast may provide personal information to third parties to improve our products and services, to operate our business, and to help Coast market to potential customers. We may share all of the categories of information listed in this Privacy Policy with other companies:

To operate Coast’s products and services or support general operations of Coast’s business
To integrate the products and services of our business partners with a Coast Account
To use third-party cloud services to host our website and store the information we process about you
For any other legitimate business purpose

Anonymous or aggregated information

We may share anonymized or aggregated information, or other data that does not directly identify you or the Company, with third parties.

Service providers

We share your personal information with our service providers that operate and provide services on our behalf. These service providers need access to your personal information to perform information processing, manage or enhance our customer information, tailor services to you and your preferences, and perform other services related to our business.

Advertising

We may use third parties to send advertisements on our behalf. We may only share a limited set of personal information required to deliver our advertisements to you (such as an email address to deliver the message to you). These third parties may also use cookies or similar tracking tools to identify you through your browser usage. While you may disable these tools in your browser settings, you may still receive non-targeted advertisements we sent as part of a general marketing campaign.

Financial and business partners

We share personal information to facilitate the services we provide to you with our business and financial partners.

Payment processing and card issuing partners

We share the personal information you provide in your application for a Coast Account with our Program Partners including our payment processing and card issuing partners to comply with our contractual obligations and to facilitate compliance with their and our regulatory obligations. The Stripe Privacy Policy and the Celtic Bank Privacy Policy explain how and for what purposes Stripe Inc. and Celtic Bank, respectively, collect, use, retain, disclose, and safeguard data provided to them in connection with Coast’s program. You agree to review the terms of these policies, which Stripe and Celtic Bank may update from time to time, and which form part of Coast’s privacy policy.

Credit reporting agencies

We share information about you, if you are requesting a Prequalification on behalf of the Company, with credit reporting agencies and other third parties in order to obtain one or more credit reports (also known as consumer reports) and other information about you and the business. We use this information for the following purposes:

Evaluating the Company’s request for Prequalification and application for a Coast Account;
Administering and servicing the Company’s Coast Account (if approved); and
Offering the Company financial products and services.

Coast uses this information to evaluate whether to offer Coast Services to the Company, rather than to you in your personal capacity. Upon request, we will inform you whether or not a consumer report was obtained and the name and address of the consumer reporting agency that furnished the report.

Card network partners

Visa separately processes information related to your use of your cards. For more information on how Visa handles your personal information, please visit Visa’s Global Privacy Notice.

Partnerships and referrals

We share personal information to facilitate referral partnerships. For example, if you were referred to us through an organization we may provide confirmation to that organization that your Company opened a Coast Account with us, and information relating to Coast Account activity for the purpose of calculating any referral fees we owe related to the referral.

Sharing authorized by you, your users, or authorized representatives

We may enhance our products and services by integrating with products and services provided by other companies. For these integrations to work and with your explicit consent, we may need to share your personal information with them. Information we share with these companies will be used and disclosed according to that company’s privacy policy. You should review the privacy policy of any company that has access to your personal information related to the integration with the Company’s Coast Account.

Corporate transactions

In the event of a corporate sale, merger, reorganization, dissolution or similar event, personal information and data we process from you may become part of the assets we transfer or share in preparation for any such transaction. Any acquirer or successor of Coast may continue to process personal information consistent with this Privacy Policy.

Compliance and compelled disclosure

We may share personal information:

to comply with applicable law, regulation or payment network rules
to enforce our contractual rights or comply with contractual obligations
to protect the rights, privacy, safety and property of Coast, you, our customers, our business partners, or others
to respond to requests from auditors, courts, law enforcement agencies, regulators, and other public and government authorities, which may include authorities outside your country of residence.

Data obtained through the short code texting program will not be shared with any third parties for their marketing purposes.

4. Other Important Information About Your Personal Information

Security

We use organizational, technical, and administrative measures to protect personal information; however, no data security program is entirely secure. Please contact us at privacy@coastpay.com immediately if you believe that your personal information or any other confidential information that you have provided to us is no longer secure or has been lost or stolen. If we confirm that there has been a breach of personal information or confidential data related to you, we will notify you.

Use by minors

If you are under the age of 18, you may not have a Coast Account or use our products or services. We do not knowingly process any information from, or direct any of our products or services to children under the age of 18. Please do not provide us with any personal information related to children under the age of 18.

Personal information related to users, administrators, company owners, and authorized persons or representatives

In some circumstances, we require you to provide us with personal information relating to another person (such as providing us with personal information about the beneficial owners of the Company during the application process or providing us with personal information about employees to obtain access to the Services). Do not provide us with any personal information unless you have obtained consent of these persons or you are sure the disclosure of the personal information is otherwise permitted by law or contract. You must inform all other persons whose information you share with us how we process personal information and all other terms of this Privacy Policy.

Coast Account users

Our products and services are intended for use only by businesses, and you may only use a Coast Account or Card if you are an employee or other authorized representative of the Company that has opened a Coast Account. The Company and its Administrators are responsible for managing the Coast Account and Cards associated with that Company. If you are a User, an Administrator can: restrict, suspend, or terminate your access to or ability to use the services, access personal information about you, access or retain information stored with us, and restrict your ability to edit, restrict, modify, or delete information associated with your use of our products and services.

5. Interest-Based Advertising

We use analytics services, such as Google Analytics, to help us understand how you access and use our websites, email communications and other online services and interactive features. In addition, we work with agencies, advertisers, ad networks, and other technology services to place advertisements on our behalf on other websites, services and devices you may use. For example, we may place ads through Google and Facebook that you may view on their platforms as well as on other websites and services. Typically, though not always, the information used for interest-based advertising is collected through cookies or similar data collection technologies.

As part of this process, we may incorporate tracking technologies into our own online services (including our website and email communications) as well as into our ads displayed on other websites and services. Some of these tracking technologies may track your activities across time and services for purposes of associating the different devices you use, and delivering relevant ads and/or other content to you.

As indicated above, vendors and other parties may act as our service providers, or in certain contexts, independently decide how to process your information. We encourage you to familiarize yourself with and consult their privacy policies and terms of use.

While you may disable some tracking technologies by blocking cookies in your browser, you may still see advertising as part of a broader marketing campaign. For further information on your rights and choices regarding analytics and interest-based advertising, please see “Your Choices About Your Personal Information” below.

6. Your Choices About Your Personal Information

Coast Account

The information collected and processed in connection with each Coast Account is governed by our agreements with the applicable business customer. If you are a User or Administrator of a Company’s Coast Account, the Company and its Administrators may be able to access information about you and limit your ability to edit, modify or delete information associated with your use of the Coast Account. If you do not agree with our data practices, please notify us in writing, ask the Company to deactivate your profile on its Coast Account, delete any cookies you may have on your devices, and cease all use of our products and services. In certain circumstances, the Company on whose behalf we provide services will need to confirm your choice before we can fully process your request.

Please note that if your personal information is deleted from a Coast Account, or if the applicable Coast Account is closed, we may retain and use certain personal information as necessary to comply with our legal obligations, resolve disputes, carry out legitimate business functions and enforce our agreements.

Communications

You can opt-out of receiving promotional emails from us at any time by following the instructions provided in emails or clicking on the unsubscribe link, as applicable. You can opt out of receiving direct mail communications at any time by emailing us at privacy@coastpay.com or support@coastpay.com.

If you have opted in to receiving text or SMS messages related to your use of Coast Services, you can opt-out at any time by texting “STOP” to any message you received from us or to (833) 955-2727 or email support@coastpay.com and specify that you want to opt out of text messages. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us unless you text “START” to opt back in.

For more information including opt out instructions, please see our User Terms.

If you are a User or Administrator of a Coast Account, please note that you cannot opt-out of non-promotional emails or text messaging, such as those about your Coast Account, transactions, servicing, or our ongoing business relations. If you do not consent to or opt out of receiving such non-promotional Notices via email or text messaging, which is our primary method of communicating with you, you will not be able to use Cards or other Services and your User or Administrator profile, as applicable, will be deactivated.

Please note that your opt out is limited to the email address or phone number used and will not affect subsequent subscriptions.

Analytics and Interest-Based Advertising

Google provides tools to allow you to opt out of the use of certain information collected by Google Analytics at https://tools.google.com/dlpage/gaoptout and by Google Analytics for Display Advertising or the Google Display Network at https://www.google.com/settings/ads/onweb. You may learn more about Google’s practices with Google Analytics by visiting Google’s privacy policy at http://www.google.com/policies/privacy/partners.

In order to improve the user experience on our website, we use the software Hotjar. You can learn more about Hotjar’s practices at https://www.hotjar.com/legal/policies/privacy and you can always opt out of their data collection by visiting https://www.hotjar.com/legal/compliance/opt-out.

We use LinkedIn Insights Tag to retarget our website visitors and learn insights about your interactions with our LinkedIn advertisements. You can learn about LinkedIn’s privacy practices at www.linkedin.com/legal/privacy-policy, and you can opt out of LinkedIn Insights Tag at www.linkedin.com/psettings/.

We support the self-regulatory principles for online behavioral advertising (Principles) published by the Digital Advertising Alliance (DAA). More information about these Principles can be found at https://youradchoices.com/. If you want to opt out of receiving online interest-based advertisements on your internet browser from advertisers and third parties that participate in the DAA program and perform advertising-related services for us and our partners, please follow these instructions: https://youradchoices.com/ or https://optout.networkadvertising.org/

When you elect to opt-out through these sites, they will place an opt-out cookie on your device indicating that you do not want to receive interest-based advertisements. Opt-out cookies only work on the internet browser and device they are downloaded onto. If you want to opt out of interest-based advertisements across all your browsers and devices, you will need to opt out on each browser on each device you actively use. Some of these opt-outs may not be effective unless your browser is set to accept cookies. If you delete cookies, change your browser settings, switch browsers or computers, or use another operating system, you will need to opt-out again.

If you want to opt out of receiving online interest-based advertisements on mobile apps, please follow the instructions at https://youradchoices.com/appchoices.

Please note that when you opt-out of receiving interest-based advertisements, this does not mean you will no longer see advertisements from us or on our online services. It means that DAA program participants should not deliver certain targeted ads to you. We are not responsible for the effectiveness of, or compliance with, any third-parties’ opt-out options or programs or the accuracy of their statements regarding their programs. In addition, third parties may still use cookies to collect information about your use of our online services, including for analytics and fraud prevention as well as any other purpose permitted under the DAA’s Principles.

7. Changes to This Privacy Policy

We may make updates to this Privacy Policy by posting an updated version on our website, and we encourage you to visit our website from time to time to be aware of and review any updates. Any changes are effective when we post the revised Privacy Policy on our website. Your continued use of our Services indicates your consent to the Privacy Policy then posted. If applicable law requires that we obtain your consent or provide notice in a specified manner prior to making any changes to this Privacy Policy applicable to you, we will provide such required notice and will obtain your required consent.

8. Contacting Us

If you have concerns, questions, or would just like to better understand our privacy practices at Coast, please send an email to privacy@coastpay.com or if you prefer to contact us by mail, please write to K-Dimensional Holdings d/b/a Coast, Attn: Legal, P.O. Box 483 New York, NY 10014.