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| 0 | Gusto Terms Terms Employer Terms of Service Members Terms of Service Accountant Program Terms of Service Privacy Notice Employer Data Processing Addendum Acceptable Use Policy Electronic Communications Consent Terms for Promotional Offers & Discounts Accessibility Statement Payroll Service Terms Health Insurance Benefits Service Terms International Contractor Payments Service Terms Human Resources Service Terms Tax-Advantaged Accounts Service Terms Workers’ Compensation Insurance Terms Kiosk Service Terms State Registration Agreement Background Checks Terms of Service R&D Tax Credit Services Terms R&D Tax Credit Redemption Service Terms R&D Tax Credit Services Referral Partner Program Tax Form Printing & Mailing Terms Check Mailing and Printing Terms Learning Management System Terms of Service 401(k) Automation Terms of Service Gusto AI Assistant Terms of Service Developer Terms of Service Referral Rewards Terms Referral Rewards Terms Exp October 2025 Partner Promotion Terms Time & Attendance Plus Free Trial Promotion Community Contest Official Rules April 2025 Partner Promotion Terms Arbitration Opt-Out Notice Community Sweepstakes Official Rules July 2024 Accountant Partner Promotion Terms – Existing Starter Firms July 2024 New Partner Promotion Terms – New Starter Firms July 2021 Partner Referral Terms Partner VIP Care Promotion Gusto Impact Contest & Awards 2026 Official Rules Gusto Trademark Use Guidelines May 2025 BDO Alliance Accountant Partner Promotion Terms Service Provider Data Processing Agreement Gusto Purchase Order Terms and Conditions Labor Law Poster Terms of Service Referral Rewards Tiered Terms Exp PartnerStack Referral Terms August 2025 Partner Promotion Terms Mutual Partnership Data Processing Agreement Gusto MCP Terms of Service Referral Reward End of Year 2025 Bonus 1 Referral Reward End of Year 2025 Bonus 2 Referral Reward End of Year 2025 Bonus 3 Accountant Tiered Referral Terms Gusto Price Match Guidelines November 2025 Partner Promotion Terms December 2025 Solo Partner Promotion Terms Referee terms Referee terms increase reward exp EIN Application Service Supplemental Terms Gusto Powered Practices Contest Official Rules Gusto Business Compliance Terms of Service Firm Growth Agents Promotion Terms Gusto Handbook & Policy Compliance Scanner Beta Terms Handbook Builder Terms of Service Gusto Cofounder Terms of Service Privacy Notice Last Updated: April 22, 2026 Effective Date: April 22, 2026 The Gusto Privacy Notice describes how Gusto, Inc. and its subsidiaries and affiliates (collectively, "Gusto", "we", "us", or “our”), collects, uses, and shares your personal information for our own purposes as a “controller” or “business” when you interact with Gusto’s small business platform, including our applications, websites, software, and support services (the “Platform”) through which we offer products and services (“Services”) to end users directly or through a third party program. | 0 | Gusto Terms Terms Employer Terms of Service Members Terms of Service Accountant Program Terms of Service Privacy Notice Employer Data Processing Addendum Acceptable Use Policy Electronic Communications Consent Terms for Promotional Offers & Discounts Accessibility Statement Payroll Service Terms Health Insurance Benefits Service Terms International Contractor Payments Service Terms Human Resources Service Terms Tax-Advantaged Accounts Service Terms Workers’ Compensation Insurance Terms Kiosk Service Terms State Registration Agreement Background Checks Terms of Service R&D Tax Credit Services Terms R&D Tax Credit Redemption Service Terms R&D Tax Credit Services Referral Partner Program Tax Form Printing & Mailing Terms Check Mailing and Printing Terms Learning Management System Terms of Service 401(k) Automation Terms of Service Gusto AI Assistant Terms of Service Developer Terms of Service Referral Rewards Terms Referral Rewards Terms Exp October 2025 Partner Promotion Terms Time & Attendance Plus Free Trial Promotion Community Contest Official Rules April 2025 Partner Promotion Terms Arbitration Opt-Out Notice Community Sweepstakes Official Rules July 2024 Accountant Partner Promotion Terms – Existing Starter Firms July 2024 New Partner Promotion Terms – New Starter Firms July 2021 Partner Referral Terms Partner VIP Care Promotion Gusto Impact Contest & Awards 2026 Official Rules Gusto Trademark Use Guidelines May 2025 BDO Alliance Accountant Partner Promotion Terms Service Provider Data Processing Agreement Gusto Purchase Order Terms and Conditions Labor Law Poster Terms of Service Referral Rewards Tiered Terms Exp PartnerStack Referral Terms August 2025 Partner Promotion Terms Mutual Partnership Data Processing Agreement Gusto MCP Terms of Service Referral Reward End of Year 2025 Bonus 1 Referral Reward End of Year 2025 Bonus 2 Referral Reward End of Year 2025 Bonus 3 Accountant Tiered Referral Terms Gusto Price Match Guidelines November 2025 Partner Promotion Terms December 2025 Solo Partner Promotion Terms Referee terms Referee terms increase reward exp EIN Application Service Supplemental Terms Gusto Powered Practices Contest Official Rules Gusto Business Compliance Terms of Service Firm Growth Agents Promotion Terms Gusto Handbook & Policy Compliance Scanner Beta Terms Handbook Builder Terms of Service Gusto Cofounder Terms of Service Privacy Notice Last Updated: June 1, 2026 Effective Date: June 1, 2026 The Gusto Privacy Notice describes how Gusto, Inc. and its subsidiaries and affiliates (collectively, "Gusto", "we", "us", or “our”), collects, uses, and shares your personal information for our own purposes as a “controller” or “business” when you interact with Gusto’s small business platform, including our applications, websites, software, and support services (the “Platform”) through which we offer products and services (“Services”) to end users directly or through a third party program. |
| 4 | Where This Notice Applies This Privacy Notice applies when you: access, visit, interact with, or use Gusto’s Platform or Services; create or use a Gusto Member account; receive communication from us or otherwise communicate with us, including but not limited to emails, phone calls, texts, or interactions on branded social media pages including customer support interactions; register for, attend, or take part in events, webinars, and trainings; and participate in surveys, research, questionnaires, or other similar data collection facilitated by us. | 4 | Where This Notice Applies This Privacy Notice applies when you: access, visit, interact with, or use Gusto’s Platform or Services, including but not limited to when you create or use a Gusto 401(k) or SEP IRA/IRA account; create or use a Gusto Member account; receive communication from us or otherwise communicate with us, including but not limited to emails, phone calls, texts, or interactions on branded social media pages including customer support interactions; register for, attend, or take part in events, webinars, and trainings; and participate in surveys, research, questionnaires, or other similar data collection facilitated by us. |
| 5 | This Privacy Notice does not apply when we process personal information on behalf of our customers as a “processor” or “service provider”. | 5 | This Privacy Notice may not apply when Gusto handles personal information in the following contexts: Service provider or Processor : When Gusto processes personal information on behalf of our customers - for example, to run payroll- we act as a “processor” or “service provider”. |
| 6 | For example, if you are an employee of a Gusto customer (an “Employer”) and access the Gusto Services for payroll processing through your employer, this Privacy Notice may not apply. | — | Removed |
| 7 | For more information about how we process personal information on behalf of our customers, please see the Employer Data Processing Addendum . | ||
| 8 | Employer : When Gusto processes personal information in our own capacity as a prospective, active, or former employer - or as a co-employer under a professional organization ("PEO") arrangement - separate notices apply: Job applicants: See the Applicant Privacy Notice PEO arrangements Gusto employees Gusto may create and use de-identified data, which we commit to maintaining and processing in a de-identified form and will not attempt to, directly or indirectly, re-identify, except as necessary to verify that our de-identification processes satisfy the requirements of applicable law. | ||
| 15 | These sources may include: Your employer and your employer’s accountant or service providers; Financial institutions, credit bureaus, insurance carriers and third-party administrators, and our service providers; Public and third party data sources; and Plaid Technologies, Inc. | 16 | These sources may include: Your employer (current or former) and your employer’s accountant or service providers; Financial institutions, credit bureaus, insurance carriers and third-party administrators, and our service providers; Public and third party data sources; and Plaid Technologies, Inc. |
| 16 | (“Plaid”) to collect information from financial institutions. | 17 | (“Plaid”) and Stripe, Inc. |
| 18 | ("Stripe") to collect information from financial institutions. | ||
| 20 | By connecting your bank account using Stripe, you acknowledge and agree that such information will be treated in accordance with Stripe’s Privacy Policy . | ||
| 19 | For example, we use personal information for the following purposes: Provide our Services; Process transactions; Manage account; Determine eligibility for our Services and our partners’ programs; Operate, develop, evaluate, and improve our business and Services; Develop new products and features for our Services which may include the use of AI; Protect against, identify, and prevent fraud, theft, and other illegal activity; Maintain and enhance the safety and security of our Platform and Services; Exercise our rights and remedies and defend against legal claims to protect us and our property; Comply with applicable law, regulation, industry standards, or legal process; Verify your identity; Resolve disputes and protect the rights of users and third parties; Monitor and enforce compliance with the applicable Terms of Service; Prevent or stop any activity that may be illegal, unethical, or legally actionable; Communicate with you as part of your use of Services; Respond to inquiries, requests or questions, provide support, and resolve disputes; Advertise and market our products and services and to send you information about third-party products and services; Determine eligibility for, and administer participation in certain programs, features, events, and offers including but not limited to surveys, contests, sweepstakes, and promotions; Provide “personalized” or “interest-based” advertising including through the use of cross-device tracking; and For any other purpose for which we may describe to you. | 22 | For example, we use personal information for the following purposes: Provide our Services ; Process transactions ; Manage your account ; Determine eligibility for our Services and our partners’ programs; Verify your identity ; Communicate with you as part of your use of our Services; Develop and improve our business and Services, including evaluating, operating, and creating new products and features, which may include the use of AI; Recommend and personalize your experience by determining eligibility for and administering participation in certain programs, features, events, and offers, including surveys, contests, sweepstakes, and promotions, and by providing personalized and interest-based advertising through the use of cross-device tracking; Advertise and market our products and services to send you information about third-party products and services; Prevent fraud and maintain security by protecting against, identifying, and preventing fraud, theft, and other illegal activity, and enhancing the safety and security of our Platform and Services; Comply with legal obligations , including applicable law, regulation, industry standards, legal process, preparing and filing required reports, and defending against legal claims; Other purposes as described to you. |
| 24 | Service providers that we have contracted with to provide services on our behalf such as IT and hosting, data analytics, identity verification, customer support, chatbot technology, email fulfillment, and payment services. | 27 | Service providers that we have contracted with to provide services on our behalf such as IT and hosting, data analytics, identity verification, customer support, chatbot technology, email fulfillment, payment services, and AI providers (including generative AI providers), as described in the Artificial Intelligence and Automated Processing section. |
| 35 | Artificial intelligence and large language model providers (such as OpenAI) when you elect to enable AI-powered integrations through our Platform (“AI-powered integrations") . | ||
| 36 | AI-powered integrations are optional, third-party artificial intelligence services that you or your organization may choose to connect to the Platform. | ||
| 37 | By enabling an AI-powered integrations, you acknowledge and agree that any personal information shared with the provider will be treated in accordance with that provider's terms of service and privacy policy. | ||
| 43 | Artificial Intelligence and Automated Processing When you use or interact with the AI-powered features on our Platform ("AI-powered features"), such as chatbots or other AI-assisted tools, we may process your personal information using automated and manual (human) methods to provide, improve, and support these features. | ||
| 44 | Gusto does not permit its third-party artificial intelligence and large language model service providers to use your personal information to train, fine-tune, or improve their AI models. | ||
| 45 | If you elect to enable AI-powered integrations through our Platform, the following applies: Personal Information Disclosure : When you enable an AI-powered integrations, we may disclose your personal information to the applicable third-party provider to enable the features and functionality you requested. | ||
| 46 | The scope of personal information disclosed depends on the integration and provider; some integrations may allow you to select specific data categories, while others may require broader access to function. | ||
| 47 | AI Outputs : Content, data, recommendations, or other results generated by third-party artificial intelligence model providers through AI-powered integrations (“AI Outputs”) may be transmitted to or integrated with your Gusto account and may be used in connection with Gusto Services, including payroll processing, benefits administration, and tax reporting. | ||
| 48 | You are solely responsible for reviewing, verifying, and approving all AI Outputs before they are executed or applied through our Platform. | ||
| 49 | Gusto does not generate, review, verify, or endorse AI Outputs, makes no representations or warranties regarding the accuracy, completeness, or compliance of AI Outputs, and shall not be liable for any errors, omissions, or consequences arising from AI Outputs or your reliance on them. | ||
| 50 | Your Choices : AI-powered integrations are optional and are not required to use Gusto's Platform or Services. | ||
| 51 | If you have previously enabled an AI-powered integration, you may disconnect it at any time through your account settings. | ||
| 52 | Disconnecting an integration will stop future disclosures of personal information to that provider; however, any personal information previously shared with the provider will be subject to that provider's privacy policy and data retention practices. | ||
| 53 | Gusto's Model Context Protocol ("MCP") enables certain AI-powered integrations to interact with our Platform. | ||
| 54 | For additional terms governing these integrations, please see the Gusto MCP Terms of Service . | ||
| 61 | Opt out of sharing for targeted advertising : Where online tracking technologies are deemed to be a “sale” or “share” (which includes targeted advertising, as defined under the applicable laws) under one or more U.S. state privacy laws, you can opt-out of these online tracking technologies by opting out of Targeting Cookies via the “Your Privacy Choices” link available at the bottom of the Gusto website and mobile app, or via the Privacy Request Portal . | 79 | Opt out of sharing for targeted advertising : Under certain U.S. state privacy laws, online tracking technologies are deemed to be a “sale” or “share” of personal information, including for the purposes of targeted advertising as defined by those laws.You can opt-out of these online tracking technologies by managing your Targeting Cookies preferences via the “Your Privacy Choices” link available at the bottom of both the Gusto and Gusto Retirement websites and mobile apps. |
| 80 | You may also submit a request through the Gusto Privacy Request Portal or the Gusto Retirement Privacy Request Portal . | ||
| 113 | You may also be entitled to appeal our decisions with respect to your privacy rights in accordance with applicable laws. | ||
| 114 | To submit an appeal request, please use our Privacy Request Portal , contact us using the resources in the Contact Information section, or by following the instructions provided in the correspondence we send to you communicating our decision. | ||
| 111 | Sensitive Personal Information We Collect : As listed in the Personal Information We Collect section above, California treats certain government identification numbers, account log-in, financial information, disability information, sexual orientation, and racial or ethnic origin as “sensitive personal information”. | 132 | Collection, Use, and Disclosure Chart: The chart below describes the categories of personal information we collect, how we use and disclose it, and our targeted advertising practices. |
| 133 | Category of Personal Information Source(s) Business Purpose(s) Categories of Recipients Receiving Disclosures for a Business Purpose Sold or Shared for Targeted Advertising Account Information Directly from you Provide our Services; manage your account; prevent fraud and maintain security; comply with legal obligations Service providers No Biometric Information Directly from you Verify your identity; prevent fraud and maintain security; comply with legal obligations Service providers No Contact Information Directly from you; your employer; public sources; service providers Provide our Services; process transactions; manage your account; verify your identity; communicate with you; marketing; prevent fraud and maintain security; comply with legal obligations Your organization; service providers; mutual funds and investment providers; business partners; government agencies Yes (to advertising partners) Government Identifiers Directly from you; your employer Provide our Services; verify your identity; prevent fraud and maintain security; comply with legal obligations Your organization; service providers; mutual funds and investment providers; government agencies No Communication Information Directly from you Provide our Services; manage your account; communicate with you; develop and improve our business and Services; prevent fraud and maintain security; comply with legal obligations Service providers; AI providers (for AI-powered features) No Professional Information Directly from you; your employer Provide our Services; process transactions; determine eligibility; prevent fraud and maintain security; comply with legal obligations Your organization; service providers; mutual funds and investment providers; business partners No Feedback Information Directly from you Develop and improve our business and Services; recommend and personalize your experience; prevent fraud and maintain security; comply with legal obligations Service providers No Marketing and Content Preferences Directly from you Recommend and personalize your experience; marketing; prevent fraud and maintain security; comply with legal obligations Service providers; advertising partners Yes (to advertising partners) Financial Information Directly from you; financial institutions; Plaid; Stripe Provide our Services; process transactions; prevent fraud and maintain security; comply with legal obligations Your organization; service providers; mutual funds and investment providers; business partners; government agencies No Demographic Information Directly from you; your employer Provide our Services; determine eligibility; prevent fraud and maintain security; comply with legal obligations Your organization; service providers; business partners; government agencies No Insurance Benefits Information Directly from you; your employer; insurance carriers and TPAs Provide our Services; prevent fraud and maintain security; comply with legal obligations Your organization; service providers; business partners No Audio and Visual Information Directly from you Provide our Services; marketing; prevent fraud and maintain security; comply with legal obligations Service providers No Commercial Information Directly from you; automatically collected Provide our Services; develop and improve our business and Services; marketing; prevent fraud and maintain security; comply with legal obligations Your organization; service providers; advertising partners Yes (to advertising partners) Internet or Electronic Usage Data Automatically collected Provide our Services; recommend and personalize your experience; prevent fraud and maintain security; comply with legal obligations Service providers; advertising partners Yes (to advertising partners) Geolocation Data Directly from you; automatically collected Provide our Services; prevent fraud and maintain security; comply with legal obligations Service providers No Inferences Automatically collected Develop and improve our business and Services; recommend and personalize your experience; marketing; prevent fraud and maintain security; comply with legal obligations Service providers; advertising partners Yes (to advertising partners) Other Identifiers and Information Contained in Cookie and Similar Tracking Technologies Automatically collected Recommend and personalize your experience; marketing; prevent fraud and maintain security; comply with legal obligations Service providers; advertising partners Yes (to advertising partners) Sensitive Personal Information Directly from you; your employer Provide our Services; process transactions; determine eligibility; verify your identity, prevent fraud and maintain security; comply with legal obligations Your organization; service providers; mutual funds and investment providers; business partners; government agencies No Sensitive Personal Information We C ollect : As listed in the Personal Inf ormation We Collect section above, California treats certain government identification numbers, account log-in, financial information, disability information, sexual orientation, and racial or ethnic origin as “sensitive personal information”. | ||
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