Welcome to Keeper’s Legal Disclosures hub. Below are links to all policies and terms applicable to our services. These documents outline your rights and responsibilities and ensure transparency while using Keeper’s Earned Wage Access (EWA) services.
Last Updated 9/15/2025
Welcome to the Keeper Program (Paid Keeper, Inc. d/b/a Keeper)! These Program Terms (“Terms”) explain how the Keeper Program works and the terms that apply when you use it. Please read these terms carefully.
By using the Keeper Program you agree to:
1. Requirements for Participation.
To use the Keeper Program:
2. What the Keeper Program Offers
a. Free Financial Tools and Insights
You can use the Keeper Application (“App”) to access KOFE (Knowledge of Financial Education) financial wellness tools including:
These tools are free to use.
1. Access Your Earned Wages Early
Keeper offers eligible employees the ability to access a portion of their earned but unpaid wages (“Unpaid Earnings“) prior to payday, for a disclosed service fee.
How it Works:
Keeper will deliver the “Amount Requested” to you using one of the following methods:
1. You authorize Keeper to collect the “Total Repayment Amount” (Amount Requested plus the applicable service fee) as well as any amount outstanding/owed. Repayment may be made through:
If the full repayment cannot be collected on that payday, any outstanding balance may be rolled over and collected from your future paychecks until the amount is repaid in full. For more information on repayment methods, timing and notice see Section 13 below (Repayment Process).
This Program does not involve loans or credit transactions; it is designed to provide early access to wages you have already earned, promoting financial flexibility and well-being.
Keeper adheres to all federal, state, and local regulations applicable to Earned Wage Access programs, including compliance with state specific requirements.
1. Representations and Warranties
By using Keeper services, you represent, warrant and agree to the following:
As a Keeper user, you agree to:
Failure to meet these responsibilities may result in suspension or termination of access to Keeper services and may limit your eligibility for future disbursements.
By participating in the Keeper Program, you authorize Keeper and its third-party service providers to perform the following actions in order to deliver services and facilitate payout and repayment:
You authorize Keeper to access your wage, payroll, and employment information as provided by your employer/vendor to calculate your Unpaid Earnings and eligibility, this includes:
1. Payout Authorization
You authorize Keeper to initiate disbursements of the Amount Requested to you using one of more of the following methods:
You understand and agree that payout delivery times may vary based on the selected method and that Keeper may limit or restrict disbursement methods based on your employer’s settings, your account eligibility or operational constraints.
2. Repayment Authorization
You also authorize Keeper to collect the Total Repayment Amount (as well as any amount outstanding/owed) using any of the following repayment mechanisms:
All transactions are conducted in compliance with applicable data security and privacy regulations. We use and share data in accordance with our Privacy Policy.
3. Marketing Communications
By utilizing Keeper services, you confirm that you are the authorized user of the contact details provided and consent to receive marketing communications via text (SMS), phone, or email. Message and data rates may apply. You can opt out at any time by contacting us; You may also opt out of SMS communications by replying STOP. For more information see the Keeper SMS & Messaging Policy (hyperlink).
1. Rules of Use:
To ensure smooth use of Keeper services you agree to the following:
If you break these rules or misrepresent any information, we reserve the right to suspend or terminate your access.
4. Determination of Eligible Wages and Access
Keeper determines the amount of Unpaid Earnings you are eligible to access by using real-time data from your employer, including:
Keeper ensures that only wages that have been earned but not yet paid are made available for access. Unpaid Earnings are determined based on your employer’s payroll practices, and adjustments may occur if the data provided by your employer changes (e.g., corrections to hours worked or deductions).
Keeper relies on data provided by your employer and/or payroll/time and attendance vendor to determine your available Unpaid Earnings. You acknowledge that access to the Program is based on the assumption that such data is timely and accurate and you agree to cooperate in the resolution of any discrepancies. Keeper is not responsible for errors in this data and disclaims liability for any disbursement delays or access limitations resulting from inaccurate, incomplete or delayed data provided by your employer or payroll/time and attendance vendor.
5. Wage Adjustments & Discrepancies
As detailed above, Keeper calculates your available Unpaid Earnings based on payroll and time and attendance data received from your employer or payroll vendor. If this data is corrected or updated after a disbursement is made, you acknowledge and agree that Keeper may:
You are responsible for reviewing your wage and timecard data and notifying Keeper immediately of any errors or disputes. If your employer or payroll vendor reduced your reported wages, retroactively adjusts your hours or identifies a payroll effort that affects the amount you were eligible to access, Keeper may recoup any resulting overpayment through the authorized repayment mechanisms. Overpayment includes any amount disbursed based on inaccurate or corrected data.
6. Error Correction and Fraud
Keeper reserves the right to correct errors, and address suspected fraud or other breaches of these Program Terms using any authorized payment or collection methods. You authorize Keeper to recover funds in the following circumstances:
To recover such funds you authorize Keeper to:
You acknowledge and agree that Keeper may use different methods to correct errors or retrieve funds, based on your employer’s integration, your repayment authorizations and the method used to disburse or collect wages.
Additionally, should an error be identified on Keeper’s end (e.g., inadvertent double charge), Keeper will return the funds immediately via your authorized payment method, or other means as applicable.
7. Delays and Disbursement Timing
While Keeper aims for timely disbursement, delays may occur due to:
Keeper is not responsible for delays caused by your employer or bank. We will inform you of any delays as soon as possible.
8. Access Limits
Keeper may set limits on:
Limits may vary based on state laws, employer settings, your repayment history and the method of wage verification available to Keeper.
If due to a system error, or any other reason, you withdraw more than what you are allowed:
We are committed to providing flexible access to your earnings, but we also must ensure fairness, sustainability and the protection of our platform for all users.
9. Repayment Process
On your regularly scheduled payday, Keeper will initiate repayment of the Total Repayment Amount (Amount Requested plus applicable service fee), as well as any outstanding amount due. Repayment may occur through one or more of the following methods:
13.1. Notifications
You will be notified the day before repayment is to be collected.
13.2. Failed Payments
If repayment fails due to insufficient funds, Keeper will notify you of the outstanding balance and may retry or pursue alternative repayment methods as authorized and detailed in these Terms. Keeper does not charge non-sufficient (NSF) fees or failed transaction fees, however, you are solely responsible for any fees your financial institution may impose as a result of a failed payment or overdrawn account.
13.3. No Interest or Penalties
Keeper complies with state-specific rules governing repayment, including ensuring no penalties, interest, or additional fees beyond the disclosed service fee are charged. You are only responsible for repaying the Total Repayment Amount (Amount Requested plus applicable Service Fee). No additional charges will be applied due to missed or delayed repayment, other than the approved rollover process or recovery using alternative authorized methods.
13.4. Non-Recourse Collection
Keeper does not pursue legal or third-party collection remedies. Nevertheless, Keeper retains the right to continue recovering repayment from future eligible pay events or payroll sources until payment is received in full.
1. State-Specific Compliance
Keeper complies with state-specific regulations to ensure legal compliance and transparency. Additional details relating to states with specific EWA requirements are detailed within our Terms and Conditions.
2. Right to Suspend or Terminate Access
Keeper reserves the right to delay, suspend, limit or terminate your access to the Program, in whole or in part, at any time and for any reason, including but not limited to:
Changes to Program Terms
Keeper reserves the right to modify these Program Terms to reflect updates to the Program or changes in legal requirements. Any updates will be communicated to you in advance through your Keeper App and/or email, depending on your user settings.
For questions or concerns regarding the Keeper Program or these Program Terms, please contact us:
Paid Keeper, Inc.
44 Varet St
Brooklyn, NY 11206
Email: support@keeperewa.com
Phone: 1-866-990-4080
The following terms used in these Program Terms have the following meanings:
“ACH” means the Automated Clearing House network, used for electronic bank transfers including credits (deposits) and debits (withdrawals).
“ACH Pull Authorization” means your authorization for Keeper to debit your bank account via the Automated Clearing House (ACH) network to collect repayment for accessed Unpaid Earnings
“Amount Requested” means Unpaid Earning you request through the Keeper Program, prior to your scheduled payday.
“Application” (“App”) means the Keeper mobile application that provides access to wage-related tools, disbursement requests and account settings.
“Bank Account” means the bank account that you utilize for payroll services from your employer/payroll vendor, which must be the same account that you instruct Keeper to utilize when accessing Keeper services via this method. This account may be used for repayment, receiving requested Unpaid Earnings, or both.
“Card Debit Authorization” means your agreement that Keeper may initiate repayment via a debit to your linked debit card (including the card used for payout).
“Employer,” means the company or organization that employs or compensates you for services rendered, and may partner with Keeper to support earned wage access functionality.
“Gift Card” means a card issued digitally or physically, offered as a payout method through a third-party provider such as PrizeOut.
“Keeper,” “our,” “us,” and “we” refer to Paid Keeper, Inc., doing business as Keeper, the provider of the Program described in these Terms.
“Marketing Communications” means promotional messages sent via text, email, App notification or phone regarding Keeper’s features, offers or services.
“Payback Methods” means the authorized methods through which Keeper may collect repayment including ACH/ debit from linked bank account or card, paycheck/direct deposit deduction, split paycheck/deposit and balance rollover.
“Paycheck/Direct Deposit Deduction” means a structured wage repayment method in which your employer or payroll/time and attendance provider deducts the Total Repayment Amount (Amount Requested plus Service Fee) directly from your paycheck/direct deposit and remits it to Keeper. This deduction is reflected as a lined item on your pay stub and is authorized by your enrollment in the Keeper Program.
“Payout Methods” means the available methods through which Keeper may send the Amount Requested, including ACH transfer, Real-Time Payments (RTP), Push to Card, and Gift Card.
“Payroll Integration” means Keeper’s ability to access employment, wage and time and attendance data from your employer or payroll/time and attendance vendor through an established system connection.
“Payroll or Time and Attendance Vendor” means the vendor that facilitates payments for your service rendered and/or is for the system used to clock in and out while working; from which compensation is being calculated.
“Program Terms” (“Terms”) means these Keeper Program Terms which explain how the Keeper Program works and the terms that apply when using it.
“Push to Card” means a payout method in which Keeper sends the Amount Requested directly to your eligible linked card using a real-time or near real-time payment network. The card must be registered in your name. Availability of funds may depend on your card issuers processing times.
“Real-Time payments” or “RTP” is a near instant transfer method offered through certain financial institutions.
“Repayment” or “Repayment Process” means the act of reimbursing Keeper for the Total Repayment Amount, through one or more approved mechanisms.
“Rollover” means the automatic carrying forward of an unpaid balance from one pay period to the next if full repayment is not achieved on the expected payday. Rollover may continue until the outstanding amount is fully repaid.
“Services” means the Keeper services set forth in Section 2 of these Program Terms.
“Service Fee” means the flat fee disclosed at the time you request access to your Unpaid Earnings. The fee can vary depending on the service tier or delivery method; some disbursement methods may be available at no cost.
“Site” means the Keeper website.
“Split Paycheck/Deposit” means a disbursement arrangement in which your employer or payroll provider splits your paycheck/direct deposit between two destinations: (1) the repayment portion sent to Keeper, and (2) the remainder sent to you. Unliked a paycheck deduction, this is handled through routing instructions and does not appear as a deduction on your paycheck.
“Total Repayment Amount” means the full amount to be repaid to Keeper, which includes the Amount Requested plus the disclosed Service Fee.
“Unpaid Earnings” means the portion of your wages that you have earned from your employer but have not been paid, and which may be accessed through the Keeper Program.
“You” or “User” refers to the individual who registers for or uses the Services provided by Keeper.
Effective Date:
Last Updated: 9/15/2025
Welcome to the Keeper Program (Paid Keeper, Inc. d/b/a Keeper)! These Terms and Conditions (“Terms”) govern your use of Keeper’s platform, mobile applications, websites and other financial tools and services, including Earned Wage Access (EWA) and related features (collectively, the “Services”).
By registering for, or using our Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.
This agreement supplements and should be read in conjunction with the Program Terms, Privacy Policy, E-Sign Policy, SMS & Messaging Policy and any other agreements associated with Keeper’s services.
PLEASE READ THESE TERMS CAREFULLY, AS THEY INCLUDE A BINDING ARBITRATION PROVISION THAT AFFECTS YOUR RIGHTS UNLESS YOU OPT OUT OF THE AGREEMENT TO ARBITRATE WITHIN THIRTY (30) DAYS AFTER BECOMING SUBJECT TO THIS AGREEMENT BY FOLLOWING THE OPT-OUT INSTRUCTIONS IN THIS DOCUMENT. THE ARBITRATION PROVISION DOES NOT APPLY IF YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT.
Keeper provides employees and service providers with access to earned wages, financial tools, and employer-integrated services.
1. Earned Wage Access (EWA)
The EWA service enables eligible users to request early access to a portion of their earned but unpaid wages before their regularly scheduled payday. Depending on the delivery method selected, a disclosed service fee may apply, although a no-cost option is also available.
EWA is not a loan or credit product. No interest is charged, no credit check is performed, and no amounts are reported to credit bureaus.
2. Additional Features
Subject to availability, our Services may also include:
2.1 Eligibility
To register to use the Services, you must:
2.2 Consent to Data Sharing & Privacy
By registering, you consent to:
2.3 Electronic Signature Disclosure (E-Sign)
You agree to use electronic records and signatures for all agreements, disclosures, and communications related to the Services. Refer to the e-Sign Disclosure for details.
2.4 Electronic Communication Consent
By using the Services, you consent to:
3.1 Transaction Limits and Fees:
You may request early access to earned wages within applicable limits as detailed in the Program Terms.
The fee ranges for each type of transfer are disclosed below. All fees will be disclosed prior to transaction confirmation. See Fee Table below for details:
| Type of Transfer | Fee Range |
| Instant Transfer | $0-$4.99 |
| Gift Card | Free ($0) |
3.2 Transaction Authorization and Repayment
By using EWA, you:
3.3 Transaction Limits and Adjustments
6.1 Dispute Resolution Policy
Keeper is not a party to, and will not become involved in, any employment-related disputes between you and your employer, including disagreements regarding hours worked, wages earned, or payment amounts. These matters are solely between you and your employer and/or payroll/time and attendance vendor.
If the dispute with your employer and/or payroll/time and attendance vendor affects or delays your ability to repay any outstanding balance, you must still ensure that the outstanding balance is received by Keeper no later than five (5) business days after you become aware of the issue.
Failure to repay the outstanding balance as required may result in continued repayment attempts through authorized repayment methods. If we learn that you did not send us payment pursuant to this paragraph, we retain the right to continue recovering repayment from future eligible pay events or payroll sources until payment is received in full.as provided in Section 7 (Right of Setoff).
6.2 Refunds
Refunds may be granted in cases of system errors and/or unauthorized transactions. In the case of an accidental double charge Keeper will return the funds immediately.
6.3 Arbitration
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
By using Keeper Services, you and Keeper agree that any dispute, claim, or controversy arising out of or related to these Terms, the Services, or your relationship with Keeper (collectively, a “Dispute”) will be resolved exclusively through binding arbitration on an individual basis, unless prohibited by applicable law (e.g., the Military Lending Act). This Agreement to Arbitrate covers all claims, including statutory, contractual, tort and equitable, and replaces any right to a trial by jury or participate in a class, collective or representative action.
Scope
This Arbitration Agreement applies to all disputes, regardless of legal theory, and survives the termination of your relationship with Keeper, account closure, or service suspension.
Pre-Arbitration Notice
Before initiating arbitration, you or Keeper agree to attempt to resolve any dispute by first sending a written Notice of Dispute by certified or registered mail to the other party’s legal address, describing the nature of the dispute and the relief sought. The Notice to Keeper should be sent to 44 Varet St., Brooklyn, NY, 11206 with a copy to legal@keeperewa.com . Keeper will send the Notice to your address and e-mail address on file. If the dispute remains unresolved for forty-five (45) days after receipt of the notice, arbitration may proceed.
Arbitration Rules
Waiver of Jury and Class Actions
YOU WAIVE THE RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN CLASS, MASS, OR REPRESENTATIVE ACTIONS. Arbitration will occur on an individual basis only.
Fees
Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration page, https://www.adr.org/consumer. The parties shall bear their own attorneys’ fees and costs in arbitration unless the arbitrator finds that either the substance of the Dispute or the relief sought in the Demand was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)). To the extent any Arbitration Fees are not specifically allocated to either you or Keeper under the AAA Rules, Keeper and you shall split them equally. If you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of such Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of any Arbitration Fees, Keeper will advance or pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, Keeper will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive compared to the costs of litigation.
Opt-Out Option
You may opt out of this arbitration agreement by emailing or mailing a notice (including your name, mailing address, email address associated with your account and a clear statement that you wish to opt out of arbitration) within 30 days of accepting these Terms to:
Paid Keeper Inc.
Attn: Legal Department – Arbitration Opt-Out
44 Varet St
Brooklyn, NY 11206
Email: support@keeperewa.com
Opt-out requests received after this deadline will not be valid.
Severability
If a court or arbitrator determines that any part of this Arbitration Agreement is invalid or unenforceable, only that part will be severed, and the rest will remain in full effect.
1. Right of Setoff
We have the right of setoff, and we may offset against any outstanding or uncollected amounts owed to us by you from any amounts we would otherwise be obligated to furnish to you or any amounts we might otherwise owe you under these Terms or any other agreement. If we decide to exercise our right of setoff, we will notify you at least seven days before we exercise it. In addition to exercising our right of setoff, we retain the right to pursue any other remedy permitted by law or equity.
2. Disclaimer
KEEPER PROVIDES THE SERVICES “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, KEEPER DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Keeper is not liable to any disruption to the Services and is not liable for losses related to inability to use them for any reason.
3. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, KEEPER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. KEEPER’S TOTAL LIABILITY ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT OF FEES YOU PAID TO KEEPER IN THE MONTH PRIOR TO THE RISE TO THE CLAIM.
SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OR EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU OR BE ENFORCEABLE WITH RESPECT TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.
4. Indemnification
You agree to indemnify, defend, and hold harmless Keeper, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or in connection with your breach of these Terms, your use of the Services, or your violation of any rights of another party.
5. Governing Law and Venue
The law, including the statues of limitation, of the State of New York will govern these Terms and all supplemental documents, the interpretation and enforcement of these Terms and any claim or cause of action, controversy or dispute arising out or related to them, without giving effect to any conflicts of law or other principle requiring the application of the law of any other jurisdiction. If the arbitration agreement in Section 6.3 is found unenforceable, you agree that any legal action will be brought exclusively in the courts located in New York, and you consent to the jurisdiction of those courts.
6. Severability
If any provision of these Terms, or the supplemental documents, is found to be invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction, that provision will be severed from the Terms and the remaining provisions shall remain in full force and effect. The invalid, illegal or unenforceable provision shall be interpreted, if possible, in a manner that most closely reflects the original intents of the parties or replaced with a valid and enforceable provision that best achieves the intended purpose of the original provision. This clause applies notwithstanding any provision to the contrary in any related agreement.
7. Accessibility Commitment
Keeper is committed to accessibility. If you require accommodations to access Services or legal documents, Contact support@keeperewa.com or call 1 (866) 990-4080.
8. Changes to Terms
Keeper reserves the right to update these Terms. Updates will be reflected in the “Last Updated” date above. Continued use of the Services constitutes acceptance of updated Terms.
9. State-Specific Disclosures
Keeper is committed to delivering Earned Wage Access services that meet or exceed all applicable state and federal regulations. Because some states have unique legal requirements, Keeper may not be available in all states.
Some states have specific rules designed to protect consumers, including requirements around transparency, fees, licensing and operational requirements. We’ve designed our service to comply with these state-specific requirements, and update our practices as laws evolve.
Key Compliance Principles Across States:
If you live in a state with additional requirements, those will be communicated to you during sign-up, or when you initiate a transaction. Additionally, Keeper’s services are currently not available in all states. Availability may change based on local laws and regulations. If your state is not supported, you will be notified during sign-up.
For any questions, please contact support@keeperewa.com
For questions or concerns about these Terms, please contact:
Address:
Paid Keeper, Inc.
44 Varet St
Brooklyn, NY 11206
Email:support@keeperewa.com
Phone: 1 (866) 990-4080
The following terms are used in these Terms and Conditions and are defined as follows:
Last Updated: 9/15/2025
About Keeper (“Paid Keeper, Inc., d/b/a Keeper)
Paid Keeper, Inc. (“Keeper,” “we,” “our,” or “us”) is a trusted leader in Earned Wage Access (EWA) services. Our mission is to empower employees with secure, transparent, and efficient access to their earned wages, promoting financial flexibility and well-being. Keeper partners with employers or vendors to integrate with time & attendance systems, and/or payroll systems seamlessly while complying with state, federal, and international laws.
Keeper is committed to protecting your privacy, ensuring compliance, and maintaining transparency in all data practices. This Privacy Policy explains how we collect, process, use, share, protect, and dispose of your personal information when you use our Services. This agreement supplements and should be read in conjunction with the Program Terms, Terms and Conditions, E-Sign Policy, SMS & Messaging Policy and any other agreements associated with Keeper’s services.
By accessing or using the Services, you agree to the terms of this Privacy Policy. If you do not agree, you must discontinue using the Services.
a. Keeper Services
Keeper partners with employers and payroll/time and attendance vendors to offer employees access to financial management tools, including Earned Wage Access (EWA), notifications, and alerts. Keeper provides a secure technology platform and servicing solution that connects employees to Earned Wage Access (EWA) services, enabling them to securely access a portion of their earned wages before payday; the platform supports various wage disbursement and repayment methods including ACH, RTP, push to card, gift cards, paycheck/deposit deductions and split paycheck/deposit arrangements.
Keeper works with employers and/or payroll/time and attendance vendors to ensure employees are informed about the financial tools and benefits available to them, including EWA access. As part of this collaboration, employers may share certain employee data with Keeper, such as employment details and personal/contact information. This information is shared solely to facilitate benefits availability and Keeper setup and ensure employees can access their benefits effectively.
b. Keeper Application (App) When you register to use the Keeper App, you will be asked to provide additional consent to use the Keeper App and its features. By registering and transacting through Keeper, you agree to the continuous collection and processing of your data to provide Keeper’s services, including notifications and communications related to your benefits. This consent can be revoked at any time by contacting our support team. However, revoking consent may impact your ability to use some or all features of the Keeper platform.
Keeper collects Personal Information through the following methods:
By using our Services, you authorize Keeper to collect, process, and manage your Personal Information as described in this Privacy Policy.
Keeper uses Personal Information for the following purposes:
Account/Service Operations:
User Experience and Improvement:
Compliance and Security:
Marketing and Communication:
Keeper shares Personal Information only as necessary to operate the Services, comply with legal obligations, and support business operations.
Keeper does not sell Personal Information for independent marketing purposes.
You may opt out of marketing communications at any time by clicking unsubscribe links in emails, replying “STOP” to texts, or adjusting your account settings. We will continue to send essential administrative messages.
For details related to Communications and Opt-Out processes please refer to our SMS and Communications Policy.
Keeper retains Personal Information only as long as necessary to fulfill operational and legal obligations. Once the information is no longer required, it is securely disposed of through encryption-based deletion or physical destruction of storage media.
Keeper employs industry-standard security measures and/or practices including encryption, access controls, continuous monitoring, and regular security audits to protect Personal Information from unauthorized access, alteration, or disclosure.
Keeper uses cookies to enhance user experience, monitor site usage, and improve Services. You can manage cookies through your browser settings, though disabling cookies may limit certain functionalities.
Keeper will not, and does not intend to, market any products or related services to children. Accordingly, we do not knowingly gather or solicit data from children, and by using Keeper services/platform you represent that you are an adult who is at least 18 years of age.
In the event of a data breach, Keeper will promptly notify affected individuals and regulatory authorities, detailing the breach, affected data, and mitigation steps taken as required.
Keeper Services may include links or integrations with third-party websites or accounts. We are not responsible for their privacy practices. We encourage you to review their privacy policies before sharing your information.
Keeper reserves the right to update this Privacy Policy as practices or legal requirements evolve. Updates will be posted on our website, with significant changes communicated via email or platform notifications.
If you have any questions or concerns about this Privacy Policy or your Personal Information, please contact:
Paid Keeper, Inc.
44 Varet St
Brooklyn, NY 11206
Email: privacy@keeperewa.com
Phone: 1 (866) 990-4080
Last Updated: 9/15/2025
Paid Keeper Inc. (d/b/a Keeper) – Electronic Signature Disclosure (E-SIGN)
This Electronic Signature Disclosure (“Disclosure”) applies to all Communications related to Paid Keeper Inc.’s (“Keeper,” “we,” “us,” or “our”) Earned Wage Access (“EWA”) services and any related disbursement, repayment or account features, products or services available through the Keeper platform, including the mobile application (“Keeper App”).
By using Keeper’s services, or checking “I Agree,” you consent to receive all required communications electronically as described in this Disclosure. This agreement supplements and should be read in conjunction with the Program Terms, Terms and Conditions, Privacy Policy, SMS & Messaging Policy and any other agreements associated with Keeper’s services.
Throughout this agreement, the terms:
By consenting to this Disclosure, you acknowledge and agree that access to Keeper’s EWA services and related features is conditioned upon your agreement to receive all Communications electronically. These Communications may include, but are not limited to, legal and regulatory disclosures, agreements, changes to terms and conditions, privacy policies, transaction histories (such as wage disbursement records and repayment documentation), notices of errors or disputes, and other important updates regarding your account or services.
If you do not consent to receive Communications electronically or if you later withdraw your consent, you understand that:
We do not offer an alternative method of communication (such as postal mail). Because our services are designed to operate electronically, and require digital interaction, electronic consent is necessary to deliver core features in a timely, secure, and compliant manner.
Keeper delivers Communications electronically in any of the following ways:
It is your responsibility to ensure that the phone number, email address and other contact information you provide to Keeper are accurate and up to date. You can update your information through the Keeper App or by contacting Keeper’s support team. Additionally, it is your responsibility to monitor these channels. See the Keeper SMS and Messaging Policy (hyperlink) for additional information relating to SMS communications.
To access and retain electronic Communications, you must have:
Keeper will notify you if significant changes to these hardware or software requirements are necessary.
By providing your consent, you confirm that:
Your consent to receive electronic Communications is provided in accordance with the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”). By checking “I Agree” and clicking “Submit” or a similar button within the Keeper App and/or website, you acknowledge that your electronic signature has the same legal effect as a handwritten signature.
Keeper reserves the right to modify this Disclosure or discontinue the provision of electronic Communications at its sole discretion. Any changes to this agreement or termination of electronic Communications will be communicated to you as required by law. Continued use of the services after notice of changes constitutes your agreement to the updated disclosure.
Last Updated: 9/15/2025
SMS and Communications Policy for Paid Keeper Inc.
Paid Keeper Inc. (d/b/a “Keeper”) is committed to providing secure, timely, and compliant communications to ensure a seamless and efficient user experience. This policy explains how we collect information about you, use communication channels like SMS, phone calls, email and push notifications to interact with you, and how you can manage your communication preferences.
For details about privacy practices, data use and eligibility, please refer to our Program Terms, Terms and Conditions and Privacy Policy.
To deliver core features including Earned Wage Access (EWA), notifications, and account alerts, Keeper collects and processes user data in coordination with employers and authorized third-party vendors.
Keeper provides a secure technology platform and servicing solution that connects employees to Earned Wage Access (EWA) services, enabling them to securely access a portion of their earned wages before payday. Keeper is not a payment processor or money transmitter. Instead, the actual disbursement of early wages is managed by trusted third-party vendors or financial partners in coordination with employers’ payroll systems. This collaborative approach ensures secure, accurate, and compliant wage disbursement while delivering a seamless and reliable experience for employees.
By using Keeper’s services, you authorize us to securely collect, process, and use your data.
1.1 Methods of Data Collection
All details surrounding Data Collection and Data Usage can be found in the Privacy Policy. We collect and process your data through the following methods:
By registering, or checking “I Agree,” you also consent to receive all legally required notices and disclosures electronically as outlined in the E-Sign Policy.
This consent can be revoked at any time by contacting our support team. However, revoking consent may impact your ability to access some or all features and other services provided by Keeper.
This data is processed securely and used exclusively for providing accurate and timely EWA services, maintaining account integrity, and facilitating essential service communications.
This data sharing is limited to what is essential for providing services and maintaining platform functionality.
Revocation of Consent: If you choose to revoke your consent for any of the above, you may do so by contacting our support team. Revocation of consent may result in limited functionality or the inability to access specific features, such as EWA services.
1.2 How Your Data is Used
The data we collect is used strictly to:
For a full description of how your information is used, please refer to our Privacy Policy, Program Terms and Terms and Conditions.
By using/registering for Keeper services, you provide explicit consent to receive notices, disclosures, electronic records and other communications to provide a seamless and compliant service experience. These communications include:
Consent to communications is obtained in line with the applicable local regulations, ensuring legal compliance. While users may manage their preferences or withdraw consent for certain non-essential communications, opting out of critical transactional or service communications—such as SMS notifications or phone calls—may limit your ability to use key features or result in the suspension or termination of your account.
You acknowledge and agree that standard call, message, and data rates charged by your carrier apply to all communications by or with us and are your responsibility. You also acknowledge that your electronic consent or signature, provided by clicking “I Agree,” is legally binding per the E-Sign Act and our E-Sign Policy.
You represent that you are the account holder for the mobile telephone number(s) that you provide, and that the number you provide matches the information associated with your account in the Keeper App. In the event that you change or deactivate your mobile phone number, you agree to notify Keeper by contacting us via email at support@keeperewa.com
You agree to indemnify Keeper in full for all claims, expenses and damages related to or caused in whole or in part by your failure to notify the company if you change your telephone number or if the number is no longer associated with your Keeper account, including, but not limited to, all claims, expenses and damages related to or arising under the Telephone Consumer Protection Act.
SMS (Short Message Service), also referred to as “text messages,” is a critical communication method used by Keeper to deliver timely and secure updates, ensuring a seamless user experience. Through SMS, Keeper provides:
You acknowledge and agree that standard call, message, and data rates charged by your carrier apply to all communications by or with us and are your responsibility.
Managing SMS Preferences
We respect your communication preferences. You may opt out of receiving SMS notifications at any time by replying “STOP” to any Keeper message. We will use the contact information we have on file for you to notify you, and it is your responsibility to notify us immediately of any changes to your contact information.
Keeper’s services rely on secure and reliable communications, with SMS playing a vital role in maintaining these standards. If a user opts out of essential SMS communications, Keeper may be unable to provide necessary updates, notifications, or alerts required to maintain the integrity and functionality of the platform. Opting out of essential SMS communications may impact your ability to use the service and may result in account suspension or closure, as SMS is integral to ensuring secure and reliable account management.
Keeper may contact you by phone, including calls to your mobile device, to deliver essential information related to your account and services (e.g., discuss any payback issues, provide timely service).
By providing your phone number during registration or through your employer, you consent to receive essential calls from Keeper or our authorized representatives. These calls may be:
Managing Phone Preferences
All phone communications from Keeper are classified as and are required to maintain service functionality, security and compliance. As such, phone communications cannot be disabled or opted out of.
If you believe you are receiving calls in error, or if your contact information needs to be updated, please reach out to Keeper support.
By using the Keeper App, you agree to receive both service-related and marketing related push notifications, which include offers, updates or messages that promote Keeper’s products or services through your smartphone or other device. These notifications may appear as banners, alerts or badges on your device.
Push notifications provide immediate updates on account activity and service-related matters. Examples include:
Receipt of push notifications may be delayed or prevented by factors beyond our control, including those affecting your internet/phone provider. We are not liable for losses or damages arising from non-delivery, delayed delivery, or erroneous delivery of any push notification.
Managing Push Notifications:
You can manage or disable push notification preferences through your device settings. Note, disabling notifications may delay your receipt of critical updates.
Opting out of marketing communications will not impact your access to essential services or account functionality. However, opting out of critical communications, such as SMS alerts or transactional notifications, may:
Keeper is committed to providing flexible and compliant solutions. However, certain communication methods are necessary to ensure a secure and seamless user experience and opting out of these communications may require Keeper to reevaluate your account status to protect the integrity of the platform and its users.
To ensure compliance with applicable laws and the effective delivery of services, Keeper reserves the right to:
Keeper values your privacy and complies with all relevant data protection laws in the jurisdictions where it operates. This includes implementing robust security measures to protect your data during collection, storage, and processing. All communications are conducted in accordance with our Privacy Policy, which outlines how your information is collected, stored, and used.
Keeper does not collect data from or target residents of California (CA), the European Union (EU), or the European Economic Area (EEA), as its services are not available in these jurisdictions. For further details about our privacy practices or to address specific concerns, please contact our support team.
Keeper strives to process your communication preference changes as quickly as possible. While most updates, such as opting out of marketing communications, are implemented promptly, please allow a reasonable period for changes to take effect across all communication channels. If you continue to receive communications beyond this period, contact our support team for assistance.
For assistance with managing communication preferences or resolving issues, please contact Keeper:
Email: support@keeperewa.com
Phone: 1-866-990-4080
Mailing Address:
Paid Keeper, Inc.
44 Varet St
Brooklyn, NY 11206
Communications: All forms of contact or disclosures from Keeper to users, including but not limited to SMS/text messages, emails, phone calls, push notifications, account postings, etc.
Earned Wage Access (EWA): Service enabling eligible employees to access a portion of their earned wages prior to their scheduled payday.
Electronic Signature: Your consent, provided by checking “I Agree” or a similar action, that legally binds you under the E-Sign Act to receive disclosures electronically and to accept platform terms without a physical signature.
Essential Communications: Messages necessary to maintain account integrity or meet legal/compliance requirements.
E-Sign Act: The Electronic Signatures in Global and National Commerce Act, a federal law that grants legal effect to electronic signatures and records, provided users have affirmatively consent to receive such communications electronically.
Keeper (“we,” “our,” or “us”): Refers to Paid Keeper Inc., doing business as Keeper, the provider of the platform, applications, and services described in the Program Terms, Terms and Conditions, and this document.
Marketing Communications: Optional promotional or educational content regarding Keeper services.
Push Notifications: App-based alerts sent to your mobile device.
Transactional Communications: Mandatory communications related to service functionality, including wage disbursement confirmations, security alerts or account updates.
SMS/Text Messages: Short Message Service communications sent to your mobile device.
User Data: Information provided by you, or your employer, to facilitate communication and service functionality.
You (“your” or “user”): Refers to the individual who registers for or uses the Services provided by Keeper.
