Privacy Policy

Introduction

At ZenPay, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

By using ZenPay's services, you agree to the collection and use of information in accordance with this policy. We will not use or share your information with anyone except as described in this Privacy Policy.

Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Register for an account with ZenPay
• Use our financial services and features
• Contact us for customer support
• Subscribe to our newsletter or marketing communications
• Participate in surveys or promotional activities

Financial Information

To provide our services, we may collect financial information including:

• Bank account details and routing numbers
• Transaction history and patterns
• Credit and debit card information
• Income and employment information
• Investment preferences and risk tolerance

Technical Information

We automatically collect certain information when you visit our website or use our mobile application:

• IP address and location data
• Browser type and version
• Device information and operating system
• Usage patterns and preferences
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for various purposes, including:

• Service Provision: To provide, maintain, and improve our financial services
• Account Management: To create and manage your account, process transactions, and provide customer support
• Security: To detect, prevent, and address technical issues and fraudulent activities
• Communication: To send you important updates, security alerts, and marketing communications
• Personalization: To customize your experience and provide personalized recommendations
• Compliance: To comply with legal obligations and regulatory requirements
• Analytics: To analyze usage patterns and improve our services

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:

Service Providers

We may share your information with trusted third-party service providers who assist us in operating our business, such as:

• Banking partners and financial institutions
• Technology and infrastructure providers
• Customer support and communication services
• Analytics and marketing platforms

Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or legal processes
• Government investigations or regulatory inquiries
• Requests from law enforcement agencies
• Compliance with financial regulations and reporting requirements

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to the same privacy protections.

Data Security

We implement industry-standard security measures to protect your personal and financial information:

• Encryption: All sensitive data is encrypted both in transit and at rest using advanced encryption protocols
• Access Controls: Strict access controls ensure only authorized personnel can access your information
• Regular Audits: We conduct regular security audits and vulnerability assessments
• Compliance: We adhere to industry standards including PCI DSS and SOC 2 Type II
• Monitoring: 24/7 monitoring systems detect and respond to potential security threats

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest standards of data protection.

Your Rights and Choices

You have several rights regarding your personal information:

Access and Portability

You have the right to access, review, and obtain copies of your personal information that we hold.

Correction and Updates

You can request corrections to inaccurate or incomplete personal information at any time.

Deletion

You may request deletion of your personal information, subject to legal and regulatory retention requirements.

Marketing Communications

You can opt out of marketing communications at any time by using the unsubscribe link in our emails or contacting us directly.

Cookies and Tracking

You can control cookie preferences through your browser settings, though this may affect the functionality of our services.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and provide personalized services:

• Essential Cookies: Required for basic website functionality and security
• Performance Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Remember your preferences and personalize your experience
• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness

You can manage your cookie preferences through your browser settings or our cookie consent banner.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

Children's Privacy

ZenPay's services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Displaying a prominent notice in our application

Your continued use of our services after the effective date of the revised Privacy Policy constitutes your acceptance of the changes.

Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We will respond to your inquiries within 30 days of receipt.