Zellepay.com Website Privacy Notice
Updated: October 18, 2024
The Zellepay.com Website Privacy Notice was updated for cross-context behavioral advertising. Please see the full Privacy Notice below for additional information, including your right to opt out.
This Privacy Notice applies to visitors of our website, zellepay.com.
If you use the Zelle® app, please click here to read the Zelle® App Privacy Notice. If you use Zelle® through your mobile banking app or online banking, please refer to your financial institution’s privacy notice.
Thank you for visiting zellepay.com! We take your privacy seriously and we want you to be fully informed about how you can be in control of your Personal Information.
This Privacy Notice applies to our website, zellepay.com (the “Website”). It describes the Personal Information we collect, how it’s used and disclosed, and the choices you can make. We strive for transparency but if anything remains unclear, do not hesitate to contact us at the email address below with any questions or feedback you may have.
To make this Privacy Notice easy to find, we make it available in the footer section of all zellepay.com pages. You can also call 844.428.8542 (Sunday through Saturday, 10am to 10pm ET, excluding New Year’s Day, Independence Day, Thanksgiving, and Christmas) to request a copy by U.S. mail.
By using this Website, you expressly consent to our collection, use, disclosure, and retention of your Personal Information as described in this Privacy Notice, including future updates. In other words, please do not use this Website if you do not agree with this Privacy Notice.
What do you want to learn more about?
- When this Privacy Notice applies
- What is Personal Information?
- Personal Information we’ve collected, used, and/or disclosed
- How we collect Personal Information
- How we use Personal Information
- Who we disclose Personal Information to
- How we use cookies and tracking technologies
- Minors’ privacy
- Your choices
- B2B California residents’ privacy rights
- Our data retention practices
- Links to third party websites
- How we protect Personal Information
- Where Personal Information is stored
- Changes to this Privacy Notice
- How to contact us
Zellepay.com Website Privacy Notice
- When this Privacy Notice applies
This Privacy Notice applies to our website, zellepay.com (the “Website”).
If you use the Zelle® app, please click here to read the Zelle® App Privacy Notice. If you use Zelle® through your mobile banking app or online banking, please refer to your financial institution’s privacy notice.
- What is Personal Information?
For the purpose of this Privacy Notice, “Personal Information” means information that identifies or can be used to identify you directly or indirectly. Examples of Personal Information include, but are not limited to, first and last name, email address, telephone number, IP address.
Personal Information does not include information obtained from public sources or information that is made available by federal, state, or local governments. Personal Information also does not include deidentified, anonymized, or aggregate information.
- Personal Information we’ve collected, used, and/or disclosed
If you’ve visited our Website in the past 12 months, we may have collected, used and/or disclosed the following categories of Personal Information about you for a business purpose(s):
| Categories of Personal Information we’ve collected in the last 12 months on the Website: | Examples of Personal Information that we collect: | Categories of sources from which Personal Information is collected: | Business purpose(s) for collection, use, and disclosure: | Disclosed for business purpose(s) to the following categories of third parties: | Sold or shared to the following categories of third parties: | Length of time Personal Information is intended to be retained: (unless subject to a legal hold) |
|---|---|---|---|---|---|---|
| Personal and online identifiers | · Name, email address, IP address, unique online identifiers | · All categories listed below in Section 4 | · All purposes listed below in Section 5 | · All categories listed below in Section 6 | · We do not sell data · Website data may be shared with our service providers/ third parties for cross-context behavioral advertising (for 4a below) | · Up to 26 months for 4a below · Up to 5 years (for Personal Information received from consumers via Zelle® App Support forms on the Website) for 4b below · Length of business/ commercial relationship plus up to 10 years (for B2B Personal Information received via a form on the Website to become a Network Financial Institution or Service Provider) for 4b below |
| Certain identifying Personal Information | · Address, telephone number | · Directly from you when you use a form on the Website to request assistance | · All purposes listed below in Section 5 | · All categories listed below in Section 6 | · Not sold or shared with third parties | · Up to 5 years (for Personal Information received from consumers via Zelle® App Support forms on the Website) for 4b below · Length of business/ commercial relationship plus up to 10 years (for B2B Personal Information received via a form on the Website to become a Network Financial Institution or Service Provider) for 4b below |
| Transaction information | · Reports of fraud/ scams made through our Website by consumers using the Zelle® app | · Directly from you, a consumer who uses the Zelle® app, when you use a form on the Website to report a fraud/scam | · All purposes listed below in Section 5 | · All categories listed below in Section 6 | · Not sold or shared with third parties | · Up to 5 years (for Personal Information received from consumers via Zelle® App Support forms on the Website) for 4b below |
| Internet or other electronic network activity information | · Browsing history, search history, interactions with our Website | · Your device when you use the Website | · All purposes listed below in Section 5 | · All categories listed below in Section 6 | · We do not sell data · Website data may be shared with our service providers/ third parties for cross-context behavioral advertising (for 4a below) | · Up to 26 months for 4a below |
- How we collect Personal Information
We collect Personal Information when you use the Website, including:
a. From your device: We and our service providers/third parties collect technical data about your device (e.g., website usage data); and
b. Directly from you: We collect Personal Information that you give us if you submit a form on our Website.
- How we use Personal Information
When you visit our Website, we collect, use, and disclose Personal Information for the following business purposes:
a. to prevent, detect, and protect against security incidents, fraud, and prohibited or illegal activities;
b. to undertake activities to verify or maintain the quality or safety of our services;
c. to perform services (for us or our service providers/third parties) such as providing customer service, cross-context behavioral advertising, and website analytics;
d. for internal research for technological development, demonstration, and improvement;
e. for internal operations;
e. to enforce our terms and conditions;
g. to debug, identify, and repair errors that impair existing intended functionality;
h. for business partner inquiries (B2B) made via our Website, to respond to your requests, send you information about our products and services that we believe you will find beneficial, and to comply with your stated communication preferences;
i. to create, develop, operate, deliver, maintain, and improve our Website, including to enhance content and improve visitor experiences;
j. for legal compliance;
k. to respond to your requests and comply with your stated communication preferences;
l. to provide you with a safe, efficient, and customized experience; and
m. to provide other services you request.
- Who we disclose Personal Information to
We may disclose Personal Information with the following categories of third parties for the business purposes we described above in Section 5.
a. our Network Financial Institutions (e.g., if you report a fraud/ scam to us through our Website, we will disclose that information to the recipient’s bank or credit union);
b. our service providers/ third parties (e.g., companies that help us operate our Website, assist with cross-context behavioral advertising, provide website analytics, provide customer service);
c. law enforcement, government agencies, and other authorized third parties (to whom we may be required by law to disclose information); and
d. other entities with your consent.
In the past 12 months, we have not sold Personal Information from the Website. For purposes of this Privacy Notice, “sale” means the disclosure of Personal Information to a third party for monetary or other valuable consideration.
- How we use cookies and similar tracking technologies
Like most websites, we and our service providers/ third parties (e.g., advertising networks, website analytics providers) use “cookies” and similar tracking technologies (e.g., pixels, web beacons) to gather information when you use our Website to improve the visitor experience. Some of these tracking technologies provide basic functions of the Website, assess the Website’s performance, provide site functionality, and help us maintain the security of our Website.
We and some of our service providers/ third parties may also use online tracking technologies for cross-context behavioral advertising, including to help manage and display advertisements to you and to tailor advertisements to your interests. Our service providers/ third parties may use their technology to advertise products and services tailored to your interests which may appear either on our Website and/or on other websites/digital properties.
To the extent these online tracking technologies are deemed to be “sharing” (for cross-context behavioral advertising, as defined by applicable U.S. state law), you can opt-out of these online tracking technologies by using our Cookie Preference Center. Our Website also accepts Global Privacy Control (GPC) opt out preference signals.
We use the following types of cookies on our Website:
| Cookie Type | Description | If disabled |
|---|---|---|
| Strictly Necessary Cookies | These cookies are needed to provide basic functions on the Website. We may use cookies and tracking technologies required to prevent fraudulent activity, improve security, and/or for system administration. | N/A – These cookies are required to operate our Website. Without them, the Website could not operate so they cannot be disabled. |
| Analytics and Performance-Related Cookies | We may use these cookies to assess the performance of our Website, including as part of our analytic practices to improve the services offered through the Website. These cookies may be used to prevent fraudulent activity and improve security. You may disable these cookies if you’d like. | Without these cookies, we can’t tell what content is most valued by our Website visitors and we can’t tell how often unique visitors return to our Website, making it hard for us to know where we need to improve our content for visitors like you. |
| Functionality-Related Cookies | We may use these cookies to tell us, for example, whether you have visited the Website before or if you are a new visitor and to help us identify the features in which you may have the greatest interest. You may disable these cookies if you’d like. | Without these cookies, we won’t be able to remember you from session to session and some of the Website’s services may not function properly for you. |
| Cross-Context Behavioral Advertising Cookies/ Tracking Technologies | We and our service providers/third parties may use these cookies/tracking technologies for cross-context behavioral advertising to you on and off our Website and to measure the performance of such ads. You may disable these cookies if you’d like. | Without these cookies, you won’t receive tailored content about our Company, products, and services. |
During some visits we may use software tools to measure and collect session information, including page response times, download errors, time spent on certain pages and page interaction information.
A few additional important things you should know about our use of tracking technologies (e.g., cookies, HTML stored technologies):
- We may offer certain features that are available only through the use of tracking technologies.
- We use both persistent and temporary tracking technologies. Tracking technologies (e.g., cookies) can either be persistent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). You are always free to decline tracking technologies if your browser permits, although doing so may interfere with your use of the Website. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling tracking technologies such as cookies.
- We use cookies and tracking technologies with your prior consent as obtained through your use of this Website.
- You may encounter tracking technologies/cookies from our third-party service providers that we have allowed on our Website and affiliated properties that assist us with various aspects of our Website operations and services, such as Google Analytics. For more information about the use of information collected by cookies and similar technology on our Website, please review Sections 3, 4, 5 and 6 of this Privacy Notice.
How We Respond to Do Not Track Signals for California Residents: California Business & Professions Code Section 22575(b) (as amended effective January 1, 2014) provides that California residents are entitled to know how we respond to "Do Not Track" browser settings. Our Website accepts Global Privacy Control (GPC) opt out preference signals.
To learn more about our use of cookies and similar technologies, click here to read our full Cookies and Tracking Policy.
- Minors’ privacy
Our Website is not intended for children under the age of 13. We do not knowingly solicit or collect information from individuals under the age of 13. Therefore, we have no actual knowledge that we’ve shared (for cross-context behavioral advertising) information about minors and we do not sell information that is collected from our Website so therefore we have not sold information about minors. For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
- Your choices
Website Cookies
To change your cookie preferences/disable/opt-out of certain cookies (including cross-context behavioral advertising), visit our Cookie Preference Center. Please note, you may need to reset your preferences if you later visit our Website from a different device or browser or if you clear your cookies.
Network Participants/ Business Partners (B2B)
If you’ve previously expressed interest in our products and services for your financial institution and you no longer wish to receive marketing communications from us, you can indicate your communication preference within the direct communication from us (e.g., using the unsubscribe link in the email you receive from us) or by emailing marketing@earlywarning.com. Please allow us a reasonable period of time in order to satisfy your request, as some communications may already be in process.
- B2B California residents’ privacy rights
If you are a California resident and you’ve interacted with us on behalf of your company/business (e.g., in a B2B commercial transaction, you’ve expressed interest in our products/services for your financial institution, you’ve expressed interest in becoming a service provider of EWS), the following data privacy rights are available to you:
Note: If you use the Zelle® app, please see Section 10 in the Zelle® App Privacy Notice for your privacy rights.
| You have the right to... | How? | |
|---|---|---|
| Third party direct marketing | Request a list of what Personal Information (if any) we’ve shared with third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. | We do not share Personal Information with third parties for their own direct marketing purposes. Therefore, we have not shared Personal Information with third parties for direct marketing purposes within the last 12 months. |
| Be informed | Know the categories and specific pieces of Personal Information we collected about you, our business purposes for collecting Personal Information, the categories of sources that we’ve collected Personal Information from, the categories of third parties that we’ve disclosed Personal Information to, whether we’ve sold or shared Personal Information to a third party in the preceding 12 months, and the categories of third parties with which we’ve sold or shared Personal Information. | Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. CA Network Participants/ Business Partners (B2B) Send an email to zelleprivacy@earlywarning.com with “B2B California Data Privacy Rights Request” in the subject line. In the body of the email, please include:
Notes: In the past 12 months, we have not sold Personal Information from the Website. For purposes of this Privacy Notice, “sale” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration. To the extent required by, and in accordance with applicable law, we will use commercially reasonable efforts to correct your Personal Information as directed by you, considering the nature and the purposes of maintaining your Personal Information. Under certain circumstances, we may not be able to correct your information because we have a legal obligation or other reason in which we must retain it in its current state (e.g., the nature of the data, the source of the data, to comply with law). Under certain circumstances, we may not be able to delete your information because we have a legal obligation or other reason that we must retain it. |
| Correct inaccurate data | Request that we correct inaccurate Personal Information that we maintain about you. | |
| Delete data | Request that we delete your Personal Information. | |
| Access data | Access your Personal Information that we’ve collected about you in the preceding 12 months following your request. | |
| Limit data | Limit the use of sensitive Personal Information. | Our Website does not collect sensitive Personal Information. |
| Opt out | Opt out of the sale or sharing of your Personal Information. | As stated above, we do not sell Personal Information that we’ve collected from the Website with third parties. Our Website accepts Global Privacy Control (GPC) opt out preference signals. You may also opt out of the sharing of your Personal Information (for cross-context behavioral advertising, as defined by applicable U.S. state law), by using our Cookie Preference Center.. |
| Free from discrimination | Be free from discrimination for exercising your privacy rights | We will not discriminate against you for exercising your choices and rights. |
Please note the above-listed rights are subject to certain exceptions. For instance, we cannot disclose or permit access to specific pieces of Personal Information if the disclosure or access would present a certain level of risk to the security of the Personal Information, your account with us or the security of our systems or networks. We may decline your request if we cannot verify your identity or confirm the Personal Information that we maintain belongs to you. If we cannot honor your request, we will let you know.
Upon receipt of your “B2B California Data Privacy Rights Request” email, we will acknowledge receipt of your request and let you know how long we expect it will take us to complete your request (typically 45 days or less for most requests).
When you make a request, we will attempt to verify that you are who you say you are. For example, we will attempt to match information that you provide in making your request with information that we have on file. We may need to request additional information from you to verify your identity or to understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled.
You may designate an authorized agent to make a request on your behalf. Your authorized agent will be required to produce a signed authorization from you and additional identity verification may be required. Authorized agent requests may be made by sending an email to zelleprivacy@earlywarning.com.
- Our data retention practices
We generally retain information collected on our Website for as long as it is necessary and relevant for our business operations and to comply with applicable law. See Section 3 for more information.
- Links to third party websites
Our Website may contain links to other third-party websites, such as our Network Financial Institutions and regulatory bodies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). When you leave our Website and visit those websites, you are bound by the privacy notices of those websites. We are not responsible for the privacy practices of these third-party websites, which are governed by their own privacy notices and practices.
- How we protect Personal Information
To help us protect your Personal Information, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls.
- Where Personal Information is stored
We are located in the United States. Our services are available for eligible United States users only. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in the United States. Additionally, we may use service providers/ third parties that may process and/or store your Personal Information in the United States, the European Union, and in other countries.
- Changes to this Privacy Notice
From time to time, we may update this Privacy Notice. We may notify you about material changes in the way we treat Personal Information by placing a notice on the Website. You should check the Website frequently for updates.
- How to contact us
If your questions are not answered in this Privacy Notice, you may email us at zelleprivacy@earlywarning.com, or write to us at Early Warning Services, LLC., Attn: Privacy Office, 5801 N Pima Rd, Scottsdale, AZ 85250.
If you need assistance with the Zelle® app, please contact Consumer Services at https://www.zellepay.com/contact-us.