Overview

Divvy, now part of Bill.com, offers expense management and corporate card services for businesses. Our analysis reveals complex overlapping terms from the acquisition, extensive data sharing provisions, and limited user recourse options that businesses should carefully evaluate.

Key Concerns

  • Complex Multi-Agreement Structure: Users are subject to both Divvy and Bill.com terms, creating a confusing web of overlapping obligations and rights.
  • Extensive Data Sharing: Business data may be shared across Bill.com's product suite and with numerous third-party partners and financial institutions.
  • Unilateral Terms Changes: Terms can be modified with minimal notice, and continued use constitutes acceptance of changes.
  • Mandatory Arbitration: Disputes must be resolved through binding arbitration with limited appeal options.
  • Broad Credit Monitoring: Continuous monitoring of business credit and financial health with immediate adjustment rights.

Positive Aspects

  • Budget Controls: Robust spending controls and approval workflows for business expense management.
  • Bill.com Integration: Seamless integration with accounts payable workflows for existing Bill.com users.
  • Virtual Cards: Ability to create unlimited virtual cards for specific vendors or purposes.

Data Collection Summary

Divvy collects transaction data, vendor information, employee cardholder details, bank account information, credit data, accounting system data through integrations, and business financial metrics. This data is used across the Bill.com product ecosystem.