Wisewage Terms and Privacy

Partnerships

WiseWage strives to provide web site visitors with transparency and in that spirit, we would like to share how we make money. The prepaid card providers and providers of business resources services with products on our site pay us a referral fee when customers get approved for their products.

When you click to apply for those products through our site, we may receive compensation from the company that issues that product. This compensation enables us to maintain our curated choice of prepaid cards and business offerings. It also helps us support our ongoing market research to stay up-to-date on the latest products that may be suitable for you.

The analysis and opinions on our site are those of WiseWage contributors and follow our guidelines to ensure editorial integrity. We believe you are entitled to fair and accurate information: we put the consumer first.

We appreciate your trust in using our site for information and using our links to apply for products. We strive to be transparent about which products we receive compensation for.

Please see below for a list of some of the product providers that we are partners with:

  • PrepaidData Services
  • Mobility Capital Finance Inc.
  • Regions Bank
  • Prepaid Expense Card Solutions, Inc.
The above section last changed on:
April 26, 2017

Privacy Statement

We value privacy and want you to have the information you need to make your own decisions about your personal privacy.

The information provided in this privacy policy describes the practices of WiseWage doing business as "WiseWage", as it relates to its Wisewage.org website only. Links provided on this site to affiliates or other third parties are not covered by this policy.  WiseWage's audience includes banks, businesses, consumers, partners, press, analysts, and investors. We do not request personally identifiable information from this site.

Information Collection and Use

Personally identifiable information is obtained by WiseWage in the following instances:

  • If you fill out one of the optional forms on the WiseWage.org website and include your name, email address or phone number
  • If you write an email to info@Wisewage.org and have an email address which includes your real first and last names, or if the body of your email message includes personally identifiable information.

If you choose to have a sign-up link sent to your cellphone by entering your phone number into the form intended for this service, next to certain cards, your phone number will only be used when you press the Send button in the form. No other text message besides the requested sign up link will be sent by WiseWage; your phone number will not be provided to any third party for any purpose.

We use information that we get from such voluntary log-ins or emails only for internal tracking purposes, to ensure that we can respond to requests for information or other services. We do not use your personal information for any other purpose, we never sell it to any third party, and we do not share it with any third party, except if required by law or is pertinent to judicial or government investigations or proceedings, or otherwise necessary to protect our Web site or the safety of its users.

Other than as set forth above, we do not at present intend to use or share your personal information for other purposes. However, in the future, we may disclose personal information you have provided to third parties for additional purposes and in the event we do, we will provide notices of such use to our users and the choice whether to or not participate.

Cookies and Log Data

Cookies are information files that your web browser places on the hard drive of your computer when you visit a website. Cookies cannot damage user files, nor can they read information from a user's hard drive. Cookies allow websites to "remember" users’ activities on a website as well as users visits to a site. The Wisewage.org website only uses cookies for the purpose of detecting if you are visiting the site for the first time in a period of 24 hours and offering you a choice of stipulating that you are an employee or an employer. 

Log data collected on web servers within WiseWage's control, supplies WiseWage with aggregate information about the number of visits to different pages on our site. WiseWage uses such aggregate information to improve access to our content based on our visitors' browsers and operating system types to make our content available to as many users as possible.

If you interact with Intercom, Intercom will place a cookie on your system for the sole purpose of creating a user history to aid with customer support.

Sign-Up Links for Mobile Phones

Visitors may opt, for certain offered products, to have a one-time sign-up link sent to their mobile phone, by entering their phone number into a form on the WiseWage website. WiseWage uses the provided phone numbers only to send the required phone number once, and does not store phone numbers for future uses.

Security

WiseWage has taken steps to ensure that personally identifiable information, if obtained as mentioned above, is secure, including limiting the number of people who have physical access to our database servers as well as electronic security systems and password protections which guard against unauthorized access.

Questions/Concerns?

If you have any questions regarding this privacy policy, please contact us at:

WiseWage care of Reinvestment Partners

110 E. Geer St.

Durham, NC 27701

adam@reinvestmentpartners.org

Wisewage.org is intended for domestic visitors and, consequently, is specifically directed towards residents of the United States.

This policy, like the online medium itself, is subject to change.

The above section last changed on:
April 25, 2017

Web Terms of Use

Copyright, Trademarks, and Intellectual Property Rights

Copyright © 2017 WiseWage, Inc. ("WiseWage") All Rights Reserved. All text, formatting (including without limitation the selection, coordination and arrangement of materials on the site, and the "look and feel" of the site), images, graphics, animation, videos, music, sounds, trademarks, logos, and subsidiary, parent, or affiliate company names and other materials on this site are subject to the intellectual property rights of WiseWage, its affiliates, and their respective licensors and licensees. These materials may not be copied, reverse engineered, decompiled, or disassembled, nor may these materials be modified, re-posted to other web sites, framed, deep linked to, pirated, or otherwise redistributed in any form. Nothing contained on the Web site shall be construed as granting, by implication, estoppel or otherwise, any license or right to use any WiseWage trademark, intellectual property right or copyrighted material without WiseWage's prior written permission. Any unauthorized use of these materials will violate WiseWage's intellectual property rights and will be subject to WiseWage's full legal rights and remedies.

No Representation or Warranty

This is a web site ("site") operated by WiseWage and intended for individuals and businesses to learn about how to use prepaid debit cards for the purpose of receiving salaries and wages via direct deposit. This site refers to a number of third party products and services but is not the official registration site for any such products; no products or services are directly available through this site. While WiseWage will use reasonable efforts to ensure that all material on this site is correct, accuracy cannot be guaranteed and WiseWage does not assume any responsibility or liability for the accuracy, completeness or authenticity of any information contained in this site.

This site and all content contained herein are provided to you "as is," and "as available," and all warranties, express or implied, are hereby disclaimed, including any warranty of merchantability, noninfringement or fitness for a particular purpose. No information obtained by you from WiseWage through the site shall create any warranty not expressly stated herein.

Without limitation, WiseWage disclaims all warranties regarding the availability of the site, that the site will operate error-free, that defects will be corrected or that the site is free of viruses or other harmful components. Your use of this site is at your own risk, any content downloaded or otherwise obtained through this site is provided at your own risk, and you are solely responsible for any damage to your computer system or any data loss that may result from your use of the site, including without limitation, damage resulting from computer viruses.

Limited Right to Use Content

The viewing, printing or downloading of any content from this site grants you only a limited, nonexclusive, revocable license for use solely by you for your own personal use and not for republication, distribution, assignment, sublicense, transfer, sale, preparation of derivative works or other non-personal use. No part of any content, graphic or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use. You may not create a web page or site or computer application of any kind that deep links to or frames this site, any page of this site, or any graphics, trademark or other proprietary information of any kind located on this without WiseWage's express written permission.

You may not use meta tags or any other type of hidden text utilizing WiseWage or any of its affiliates names, trademarks or intellectual property rights on a web site without WiseWage's express written permission.

Except for the limited rights expressly granted herein, all right, title and interest in and to the site and all materials contained therein are reserved by WiseWage. Your right to access this site may be terminated at any time by WiseWage without notice.

Editing, Deleting and Modification

WiseWage reserves the right to modify, add or delete any documents, information, graphics or other content appearing on or in connection with the site, including these Web Terms of Use, at any time without notice.

Blog

Any views or opinions represented in the WiseWage blog are personal and belong solely to each post author and do not represent those of people, institutions or organizations that WiseWage, or the post author, may or may not be associated with in professional or personal capacity, unless explicitly stated.

Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual.All content provided on the WiseWage blog is for informational purposes only. WiseWage makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. WiseWage will not be liable for any errors or omissions in this information nor for the availability of this information.and will not be liable for any losses, injuries, or damages from the display or use of this information.

Indemnification

You agree to indemnify, defend and hold WiseWage and its business partners, staff and affiliates harmless from any liability, loss, claim and expense, including reasonable attorneys' fees and expenses, related to either your violation of these Terms of Use or your use of the site.

Governing Law Limitations

These Terms of Use shall be construed, interpreted and performed exclusively according to the laws of the State of North Carolina, United States of America, without giving effect to any principles of conflicts of law. You expressly agree that any action at law or in equity arising out of or directly or indirectly relating to these Terms of Use or this site shall be filed only in the Federal or state courts sitting in North Carolina. You hereby consent and submit to personal jurisdiction of such courts for the purposes of any action related to the site, your access or use thereof, or these Terms of Use, and to extra-territorial service of process.

United Sates and foreign export control laws regulate the export and re-export of technology originating in the United States and such foreign countries. You agree to abide by these laws and regulations as applicable and will not transfer, directly or indirectly, by electronic transmission or otherwise, any content or software from this site to or from any countries or foreign nations in violation of such laws or regulations.

Should any part or provision of these Terms of Use be held unlawful, void, invalid or unenforceable, that portion shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

These Terms of Use constitute the only terms between WiseWage and you with regard to this site. These Terms of Use supersede any and all prior or contemporaneous agreements, representations, warranties and understandings with respect to the site, the content, goods and/or services provided by or through the site, and the subject matter of these Terms of Use. To the extent that anything in or associated with the site is in conflict or inconsistent with these Terms of Use, the Terms of Use shall take precedence. WiseWage's failure to enforce any provision of these Terms of Use shall not be deemed a waiver of such provision nor of its right to enforce such provision.

System Integrity

You may not use any hardware or software intended to damage or interfere with the proper and timely functioning of the site or to surreptitiously intercept any system, data or personal information from the site. You may not take any action that imposes an unreasonable or disproportionately large load on the site's network or other infrastructure.

The risk of error, failure, incompatibility or nonperformance of your computer system is your risk and includes the risk that you do not operate your computer or your software incorrectly. WiseWage is not responsible for any errors or failures from any malfunction of your computer or software. WiseWage shall have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your computer or software.

Web Site Hyperlinks

Users will notice hyperlinks when browsing pages within this web site. Users acknowledge and understand that "clicking" or otherwise activating such hyperlinks may transfer the user to other third-party web sites and associated resources beyond the control and boundaries of this web site. WiseWage disclaims any responsibility or control for external web sites. Although a user may be referred to an external web site for information that may be relevant and useful to the user, WiseWage neither endorses the information content, presentation, or accuracy nor makes any warranty, express or implied regarding any external site.

Web Site Security

WiseWage utilizes industry standards to monitor Internet traffic that comes in contact with this web site to identify and defined against unauthorized attempts to upload, modify, corrupt or otherwise damage information content or interfere with legitimate attempts to access this web site. If WiseWage's reasonable precautions fail or are somehow circumvented, WiseWage is neither responsible nor liable for the undesirable situations that might arise, such as electronic contact with worms, viruses or other compromising contamination of a user's system, nor for any delays, inaccuracies, errors or omissions that might arise from these or similar security breach situations.

The above section last changed on:
April 25, 2017

Website Content Rules

This section explains how information is organized and managed on the site to meet our fairness, completeness and accuracy goals, and address regulatory requirements relative to UDAAP, Consumer Privacy and GLBA.

Generic versus Product-Specific Information

Wisewage contains several “how to” elements (text and videos) applying to prepaid and debit cards, payroll cards and other services, all intended to favor direct depositing of wages and salaries for the benefit or workers and their employees.

Such generic information on the site is not intended to represent capabilities of any product in particular. The capabilities of each specific product advertised on WiseWage are detailed on each product’s dedicated page, as provided by the provider of that product. Each product page contains only information about that product, as delivered to Wisewage by the product provider, eliminating the UDAAP risk that applicants be misled into believing that a product has capabilities and features that actually relate to another product.

Blog Posts

Wisewage contains weblog (“blog”) posts where contributors write short articles to explain generic or current issues about the market, product types, and financial advice. Wisewage blog posts are either written, or reviewed prior to publishing, by Adam Rust, a long-time consumer advocate and frequent contributor to standardization and industry regulation efforts. No article focused on a specific brand of product, and no “advertorial” is permitted on the blog, eliminating any UDAAP risk that visitors be misled about the features and benefits of a product they choose on other sections of the site.

A full disclosure statement about the Blog is available on the website’s Disclosures page.

Cards for Workers

Wisewage displays prepaid cards and debit cards, both of which operate on the debit networks and bear the explicit “debit” mention on the front of the card. Each individual product is correctly identified on the site as either a prepaid card or a bank account or debit card; the type of product is part of the product database and is displayed prominently on each card’s full page. Individuals can self-enroll into the product of their choice once they click on the link on the Wisewage website that leads to the card provider’s site or mobile application.

Each card product page contains only information about that product provided by the card provider, eliminating the UDAAP risk that applicants be misled into believing that a card has capabilities and features that actually relate to another card.

No card enrollment takes place on the Wisewage website and no information is collected on visitors, eliminating any Consumer Privacy issue and keeping the site outside of the scope of the Gramm Leach Bliley Act (GLBA).

Issuer Statements and Fees for Cards for Workers

Websites operating as advertising platforms, lead generators or comparison sites for payment cards, have no obligation to display the legal documents pertaining to the payment cards they mention, whether issuer statements, fee schedules or cardholder agreements. Such statements and documents are expected to be available on the card providers’ websites.

Accordingly, Wisewage is not intended to replicate the websites of the card providers and is not a place to display legal documents to which Wisewage is not a party.

Nevertheless, as a courtesy to card providers, an entire legal paragraph is available on the full page describing each card, where card providers can display any legal statement they would like about their product to the site visitors. The legal statement can contain both links and phone numbers to the product provider for access to further information.

Also, unique to WiseWage, the website provides a summary fee schedule for each card modeled on the CFPB proposed template for short form disclosure. It is still the duty of each product provider to disclose its full schedule of fees on its own website or mobile application.

 

Ancillary Services for Certain Cards

When certain add-on services not provided by the issuing banks are available for certain card products, such services can be mentioned as available on the full page dedicated to the card. WiseWage will however not display any specific legal statement for such services other than their availability. As a courtesy to the card provider, Wisewage can display a disclaimer on the full product page stating that such add-on services are not provided nor endorsed by the issuing bank, if the issuing bank desires such a disclaimer.

 

Option to Send Sign Up Links to Mobile Phones

If a product provider so desires, a sign-up link to their product (whether website or native application) can be sent by WiseWage to an applicant’s cellphone, should the applicant opt to receive such a link and provide his/her cellphone number.

This is intended to allow workers who cannot, or prefer not to, sign up for a card from a laptop at work, and would rather go back to the chosen card’s sign up page later on, from their own cellphone.

In compliance with the Mobile Marketing Association guidelines, Wisewage does not use the provided phone numbers other than for sending the required link only once, and does not store the provided phone numbers.

This is mentioned in short form next to the cellphone number capture field, and in full as part of the Privacy Statement on the Disclosures page of the website.

 

Services for Employers

Payroll card services for Employers

Separately from the cards that workers can self-enroll into, Wisewage also lists payroll services for employers that include payrolls cards shipped to businesses for redistribution to workers.

Individual consumers cannot self-enroll into payroll cards: such cards are only available as part of a service provided to a business.

Payroll card services displayed on Wisewage each have their full product page where a subset of their features and prices are advertised to site visitors. Like with all products on the Wisewage website, full disclosures, fee schedules and other terms and conditions are available on the respective product providers’ websites.

 

Payroll card products for PEOs, HR and Staffing Services Businesses

Wisewage may also advertise products or services not intended for employers or workers, but intended for businesses that, in turn, serve employers and workers.

Individual visitors, whether employers or workers, cannot enroll directly into such services.

Services for PEOs or HR & Staffing Servicers displayed on Wisewage each have their full product page where a subset of their features and prices are advertised to site visitors. Like with all products on the Wisewage website, full disclosures, fee schedules and other terms and conditions are available on the respective product providers’ websites.

 

Summary Display of Product Choices

Families of products are displayed on certain Wisewage pages to provide the visitor with a quick overview of offerings from different vendors in the same category:

-          Home page for choice of cards that workers can self-enroll into (prepaid & debit cards)

-          For Employer page for choice of payroll card services that a business can purchase

-          Other pages with other product categories as they may become available

Product displays on such pages are limited to “vignettes” so that a choice of products can be displayed in a matrix. Only a subset of product features and prices can be shown in such product vignettes: the full product description and more detailed pricing is available on each full page that the vignettes lead to when clicking on the product picture or the “full details” link inside the vignette.

Wisewage imposes a maximum limit of text and a fixed dimension for pictures for the product vignettes to ensure that all vignettes are the same dimensions on screen.

Product placement inside the matrix of vignettes is randomized every few hours to give all products an equal presence on the site.

 

 

Links to Product Providers

Whether they are for cards for workers, payroll card services or services of PEO, HR or Staffing businesses, specific products displayed on the Wisewage website each have buttons that link to the website or mobile application of the corresponding product provider.

Since Wisewage is a public website that does not require any visitor identification, there is no security or domain warning to a visitor who clicks on a button, because there is no change in security context. Nevertheless, all buttons display a tooltip when the cursor is hovered over them to inform the visitor of what the button will do before they click on it; for example: “sign up for this card”. Also, if the link is to a website, then the landing page of this website is always displayed in a new tab of the visitors’ browser. The tooltip display and the systematic opening of a new tab alleviate UDAAP issues that could arise out of visitors not realizing that they are reaching another property than Wisewage.

Links never convey any personally identifiable information about the visitor to the product provider: they only identify Wisewage as the referrer.

The above section last changed on:
February 2, 2018

Start Saving

If you are a full time worker paid at the Federal Minimum Wage of $7.25/hour, and are charged 3% to cash your paychecks, you can save 3% x ($7.25 x 8 hours x 5 days x 50 weeks) = $435 yearly.

$435= 306 bus and subway fares

The average transit fare was $1.42 in 2013 (American Public Transportation Association, 2015 Fact Book. Table 92, average passenger fare per unlinked trip by Mode (Dollars), PART B: FIXED-GUIDEWAY MODES AND ALL MODES TOTAL.

$435= 182 gallons of gas

Source AAA, average price of gas in the United States as of May 2, 2017.

$435= 170 school lunches

Source, School Nutrition Association, State of School Nutrition Survey 2016, based on an average cost of a middle school lunch, 2015-6 school year.