Toast Privacy Statement
Effective date: April 28, 2026
This Privacy Statement describes how Toast, Inc. and its subsidiaries and affiliates (collectively “Toast”, “we”, “us” and/or “our”) collects and manages your personal information (i.e., any information that relates to an identified or identifiable individual) as part of providing our Services (defined below). To see our California Privacy Statement, please click the link or scroll down.
Quick Links:
Country-specific Addendums:
1. Scope
This Statement primarily covers:
- Merchants: businesses that have expressed interest in using the Services or have contracted with Toast to provide the Services within their restaurants (where this term is used in this Statement in the context of the processing of the personal information of a Merchant, it refers to a Merchant that is an individual);
- Merchant Employees: employees of our Merchants that use the Services; and
- Guests: individuals that use the Services at one of our Merchant’s restaurants, through a business partner or directly through Toast.
In addition to the groups above, this Statement also covers individuals that visit our websites, including https://pos.toasttab.com (referred to generally as our “Websites”) and our third-party business partners. We may also process information from other individuals for additional purposes, including for research purposes, sweepstakes and events-related purposes that might be separately collected from time to time but are covered as part of this Statement.
For individuals using our Toast Pay Card, Toast Cash and PayOut service, you are authorizing and directing Toast to obtain information (e.g., transaction data) from any Toast Pay Card issuing bank or processor in order for Toast to provide that service to you. We will use and share any information that
we collect from you pertaining to that Service in accordance with our Privacy Notice for Toast Pay Card found here. Toast Cash found here or within the MyToast mobile application.
Please note that certain locations where we operate have laws that require us to share specific privacy information and practices with individuals in those locations. To that end, this Privacy Statement is comprised of two sections – a generally applicable statement and a location-specific addendum. Where there are variations for a specific location or additional information that is required to be provided under the applicable country or state law, individuals in that location can refer to the applicable addendum. Links to the pertinent sections, can be found below:
Please note that our Merchants are independent third parties that maintain their own business practices and policies outside of their relationship with Toast and their use of the Services. As a result, unless provided otherwise in this Statement, we are not responsible for the privacy policies or data practices of our Merchants, who may maintain separate policies and practices. If you are a Merchant Employee, your employer is responsible for providing any additional required notices or information to you regarding its privacy practices outside of this Statement.
By using the Services and/or providing us with your personal information, you acknowledge that your personal information will be processed and used in the manner set out in this Privacy Statement. We may amend this Statement from time to time in line with the “Changes to this Privacy Statement” section below.
2. Definitions
Here are a few other terms we use throughout this Privacy Statement that you should know:
- “Toast Payroll and Team Management” refers to a module offered as part of the Services directed to Merchant Employees that includes a number of HR-focused services, including, but not limited to, payroll, benefits administration, card services, scheduling and applicant tracking services.
- Services” refers to services and products (including both hardware and software) developed or administered by us from time-to-time, including:
- our core point-of-sale (POS) system; payment processing services;
- our application programming interfaces (“APIs”);
- associated modules provided as part of our POS system, such as our loyalty, marketing, waitlist and reservations, delivery and Toast Payroll and Team Management modules;
- other restaurant management services, such as our inventory, invoicing and Bill Pay services;
- our digital ordering services, such as online ordering, pickup and delivery services, contactless order and pay at the table functionality, gift cards and our mobile application(s);
- accounts created through our digital ordering services (“Digital Ordering Account(s)”);
- other mobile application(s) developed as part of the Services, including our Merchant and Merchant Employee-facing mobile applications (e.g., the MyToast and Toast Now mobile applications) and our Guest-facing mobile applications (e.g. Local by Toast);
- Health, wellness and other benefit products or services developed, or offered, by Toast or its third-party business partners from time to time for Merchant Employees;
- Insurance-related services; and
- Merchant financing (including, but not limited to, Toast Capital Loans), card products, such as the Toast Pay Card (as issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard International Incorporated, or any subsequent issuer) and other financial products offered by Toast or its business partners, including, without limitation, banks and other financial institutions.
(collectively referred to as the “Services”). Please note that certain Services may be facilitated through our Websites or through our third-party business partners.
- “You” and/or “your” is a Merchant, a Merchant Employee, a Guest, a visitor to one of our Websites or other covered data subject.
3. Personal information we collect
The personal information we collect depends on how you interact with our Services and Websites. This includes information about Merchants, Merchant Employees involved in their operations, and Guests who transact with or otherwise engage with our Merchants. While some information is collected automatically or from external sources, most is collected when you use our Services or Websites. The sections below outline these collection methods in more detail.
Personal information collected through the Services
A. Merchants
If you are a Merchant, we will collect personal information from you in connection with your service agreement and use (or prospective use) of the Services, including, as applicable,
- your name;
- address;
- email;
- date of birth;
- phone number
- Tax and national identification numbers; and
- Information you choose to share when using the Services such as when you are communicating through mobile applications or in support tickets.
When you apply for and enter into an agreement to use our Services, we may collect additional information such as your tax or national identification numbers, drivers’ license details, and banking and payment card information.
If you are a business partner seeking to integrate with Toast, we will also collect your name and contact details, as part of the integration application process.
B. Merchant Employees
If you are a Merchant Employee, we may collect personal information about you when you use the Services. This may include:
- your name;
- email;
- phone number;
- employee identification number;
- address;
- date of birth; and
- information relating to your role, such as your job title, wage rates and salary and hours worked.
To the extent you are employed by a Merchant that uses the Toast Payroll and Team Management module, we may also collect:
- your Social Security number or other national identification number;
- banking information as part of payroll;
- your professional and educational history;
- tax documentation such as your W2 and 1095 tax forms;
- your benefit elections;
- driver’s license information;
- gender;
- marital status;
- disability status;
- ethnicity; and
- your dependent and beneficiary information.
Please note that the actual personal information collected will depend on the specific Toast Payroll and Team Management services that you or your employer has elected to use. Please contact your employer for additional information.
For Merchant Employees using the Toast Pay Card and PayOut Service, in addition to certain information already collected above, Toast will also collect information about your account and transaction history as part of the Service. For more information about this Service, please see the Privacy Notice here or within the MyToast mobile application.
C. Guests
We collect information through your use of the Services (as provided and updated by us over time), including when you create a Digital Ordering Account, use our online ordering features, mobile applications, or related products such as pickup, delivery, on-premise ordering and payment tools, and waitlist or reservation features. We also collect or receive personal information when you place orders, make purchases (including gift cards), complete transactions with our Merchants, or participate in their loyalty programmes.
Depending on which Service(s) you have used, personal information collected may include:
- your name;
- contact details such as your phone number and email;
- your address and other general location details;
- your payment card information, such as the brand, card number, security code and expiration date;
- transaction information and order history details (e.g., goods/services ordered, date, payment method and amount of payment);
- your date of birth (if you choose to provide it);
- information about your vehicle (for users of our curbside pickup service);
- account and profile information such as your username and password;
- if you are a member of a Merchant’s loyalty program, information in relation to your points balance and redemptions;
- waitlist or reservation details, including dining preferences, special requests and dietary restrictions; and
- your feedback in relation to your experience at our Merchants’ establishments (if you choose to provide it).
- Information you choose to share when using the Services such as when you are communicating through mobile applications or in support tickets
The personal information collected will depend on the specific Services you use. In some cases, information may be linked across Toast Services for example, a Guest’s payment card or contact details may be associated with order history, a Toast account, a loyalty account, or a Merchant-specific profile.
Merchants may also choose to collect dietary or allergy-related information. If a Guest provides dietary preferences or requirements as part of a reservation or dining experience and this information is considered health-related under applicable law, providing it constitutes consent to its use for that purpose. Toast processes this information to provide the Services to the Merchant.
Personal information collected through our Websites
We also collect personal information when you visit our Websites and, for example, request information about our Services, download a white paper, schedule a product demo, or subscribe to our media channels (such as blogs or podcasts). This may include:
- your name;
- email; and
- phone number.
Certain information may also be collected automatically when you visit our Websites. For more information, please see the section of this Statement entitled “Information collected automatically.”
Please note that additional information beyond what is described here will be collected (described in the Merchant section above) as part of our online Merchant application process or through our e-commerce Website.
Personal information collected from other sources
Depending on whether you are a Merchant, Merchant Employee, Guest, or Website visitor, we may also collect personal information about you from third parties such as business partners, data providers, identity verification services, credit bureaus (where applicable), banks, financial institutions, and payment card companies. We may likewise collect publicly available information, including information you share or interactions you have with us on social media.
Information collected automatically
We automatically collect information when you visit our Websites, use our mobile applications, complete a transaction, or use our online services, such as online ordering. For transactions, this may include personal information such as your name when a payment card is used. Information collected automatically by cookies, web beacons or other similar technologies (described in the “Cookies and other tracking technologies” section) may include:
- information about your device, such as your device type/model, number and device ID (e.g., MAC address);
- information about your browser, settings (e.g., language) and operating system;
- your internet protocol (IP) address (including, in some instances, your perceived location);
- unique advertising and related identifiers;
- transactional and purchase information; and
- browsing and usage activity, such as the referring domain, what websites/content you have viewed or actions you have taken on a particular website.
Depending on the Services you use or the Websites you access, we may collect geolocation information from your device when location settings are enabled. For example, we may use this information to show you nearby restaurants in our mobile applications. Location data may be collected through GPS, Bluetooth, cellular or WiFi technologies. If you do not wish to share this information, you can disable location access in your device or browser settings.
4. How we use personal information
We use your personal information primarily to provide our Services and manage our business operations. This includes communicating with you as part of the Services and, where permitted by law or with your consent, using your information for advertising and marketing. We also use personal information to meet legal, compliance, and security obligations. How we use your information depends on the specific Services involved and whether you are a Guest, Merchant, Merchant Employee, or other covered individual. A detailed breakdown of these uses is provided below.
We use personal information to:
- Provide, maintain and support our Services, including
- to provide updates, support and training related to the Services;
- to determine the eligibility of individuals in relation to their use of certain Services; for contracting and agreement purposes;
- to process transactions and payments through the Services, maintaining an order history of your interactions with Toast;
- to enable our Merchants and our Merchants Employees to access and use the Services, including information that you have provided as part of using the Services; and
- to improve, develop, and provide Services, develop, train and deploy algorithms and artificial intelligence (AI) models, used to develop, provide, and personalize our Services, and generate insights to enhance our Services for Merchants and Guests;
- to provide online services, including verifying your identity, as well as diagnosing technical and service issues.
- If you are a Merchant Employee, to enable our Merchants to manage their workforce
- Manage our business and for internal operational purposes, including analyzing the performance of our Services;
- workforce and service development;
- creating and developing analytics for the benefit of our business and the business of our Merchants;
- research purposes, including the development of new products; assessing the effectiveness of Services; and
- improving our Services and Websites.
- Personalize your experience, including by
- Creating a Merchant-specific profile based on your interactions with our Guest-facing Services, such as making a payment, joining a waitlist or reservation, placing a digital order, or participating in a Merchant’s loyalty programme. Guest profiles apply only to the specific Merchant or Merchant management group you interact with.
- Using information associated with your Toast account to personalize your experience across our Services;
- Using transactional data and order history to offer recommendations within our Services or those of our Merchants;
- Using information about your dining experience (including waitlist and reservation details) to enhance current and future dining experiences at our Merchants’ restaurants
- Using analytics and profiling technologies to personalize your experience.
- Using general location information inferred from your IP address to customize content (for example, to display nearby restaurants). This reflects only an approximate area, not a precise location.
- Advertise and market to you, including
- sending you marketing communications, either directly or through a third-party service provider, in relation to our existing or new Services that we think might interest you;
- displaying advertisements for Toast or third-party services in our digital ordering services and mobile applications; and
- Based on instructions from our Merchants or our business partners as applicable, either directly or through a third party, to advertise their products and services to you; and
- promoting our Services.
Any communications sent to you pursuant to this section shall either be permitted under the applicable law or with your consent. Please see the “Your rights and choices” section of this Statement for more details on opting out of these communications and updating your preferences.
- Communicate with you or provide information you have requested, including providing notifications in relation to your purchases or the Services;
- sending you white papers and other materials from our Websites;
- providing you with our newsletters, podcasts and other subscription materials;
- sending you digital receipts; and
- responding to feedback that you have provided in relation to our products or Services or those of our Merchants.
- For legal, compliance and security-related purposes, including to
- comply with our legal obligations, including under anti-money laundering, know- your-customer or similar laws in any relevant jurisdiction;
- secure and protect our network and systems;
- identify and protect against fraud and other crimes;
- establish, exercise or defend legal claims;
- perform our contractual obligations; and
- monitor and report compliance issues.
5. How we share personal information
In certain circumstances, we share personal information to provide our Services or to fulfil the purposes described in this Statement. For Guests, this includes sharing information with Merchants, their Employees, and authorised third-party partners. We also work with third-party service providers and business partners who help us deliver, support, and improve our Services
Toast may share personal information as part of providing the Services and for the purposes outlined in this Statement, including:
- With our Merchants and their Employees to provide the Services, fulfil your requests, and support the purposes described in this Statement. For example, when you complete a transaction, place a digital order, join a waitlist, or make a reservation, Toast shares relevant order or reservation details with the Merchant. This may include your name, contact information, and information about your dining experience, such as reservation details, preferences, and special requests. Where a Merchant is part of a larger management group, this information may also be shared with other restaurants in that group to support future dining experiences.
- With our third-party business partners in order to provide, maintain, improve and expand our Services;
- With third-party integration partners selected by the Merchant or with whom you do business where Toast is instructed to share your information as part of the Services;
- With our parent, subsidiary, or affiliate companies, agents (if any) for the purposes outlined in this Privacy Statement;
- With third parties that help us provide, maintain, and improve our Services. These service providers may access personal information to perform functions on our behalf or on behalf of our Merchants, such as hosting and IT services, payment processing, identity verification and fraud prevention, marketing and advertising, data analytics and personalization, and customer support. Please note:
- If you are a Merchant Employee whose employer use the Toast Payroll and Team Management module, we will share your information with benefits, payroll and other employment-related service providers.
- If you are a Merchant applying for financing through the Toast platform, we share your information (including personal information) with the lender, and a credit report may be obtained from third-party credit bureaus to assess your eligibility.
- If you are a Merchant using a Toast Finance Suite product, we may share identity verification data with banking partners for AML/KYC purposes.
- in connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture or dissolution of all or a portion of our business; or
- if we believe it is authorized or necessary to:
- protect our rights or property, or the security or integrity of our Services or our Websites;
- enforce the terms of our terms of service or other applicable agreements or policies;
- protect us, users of our Services or the public from harm or potentially prohibited or illegal activities;
- investigate, detect and prevent fraud and security breaches; or
- comply with any applicable law, regulation, legal process or governmental request (including, for example, a court order, subpoena, or search warrant).
We may also share aggregated or anonymized information derived from the Services such as device data or information from cookies and log files with third parties for the purposes described in this Statement. This information does not directly identify you.
For individuals using the Toast Pay Card and PayOut Service, please see our Privacy Notice here or within the MyToast mobile application for information on how we disclose your information for the purposes of providing that Service.
6. Retention of personal information
We retain personal information as long as reasonably necessary to provide the Services, carry out the purposes described in this Statement or as otherwise required in order to comply with our records retention periods (which reflect the applicable law). For example, we may retain information about users of our Services in order to comply with our legal and regulatory obligations or to protect our interests as part of providing the Services.
7. Cookies and other tracking technologies
Toast and third parties described in this Statement may use cookies, web beacons and other tracking technologies for the purposes described in this Statement. We may use these technologies within our Services and across our Websites, for example to: