Our Customer Service personnel see only encrypted or masked versions of private data (e.g., only the last four digits of a social security number or the last five digits of a credit card number). Even our software developers cannot access unencrypted versions of social security numbers, credit cards, bank account information, and the like. Our IT engineers may be able to access this information, but only when required and subject to strict limitations and logging requirements. If you voluntarily sign-up for our optional concierge onboarding service, our concierges may access sensitive data. This service uploads client information (including benefits and payroll data) into the system. All of our concierge teams are based in the United States and subject to U.S. laws and regulations. Please see our Privacy Policy for more information on how, when and why we access sensitive data.