1. Introduction
Pay With Zest ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment platform and related services.
2. Information We Collect
2.1 Personal Information
We may collect the following personal information:
- Name, email address, and phone number
- Bank account and routing information (via secure third-party providers)
- Transaction history and payment details
- Device information and IP address
- Location data (with your consent)
2.2 Merchant Information
For merchant accounts, we additionally collect:
- Business name, EIN, and business address
- Owner/officer identification and verification documents
- Bank account information for settlements
- Tax documentation as required by law
3. How We Use Your Information
We use your information to:
- Process payments and maintain your digital wallet
- Provide customer support and respond to inquiries
- Prevent fraud and ensure security
- Comply with legal and regulatory requirements
- Send transactional notifications and optional marketing communications
- Improve our services and user experience
4. Information Sharing
We may share your information with:
- Payment Processors: Stripe, Plaid, and other financial service providers
- Service Providers: Cloud hosting, analytics, and customer support tools
- Legal Authorities: When required by law or to protect our rights
- Business Transfers: In connection with a merger, acquisition, or sale
We do not sell your personal information to third parties for marketing purposes.
5. Data Security
We implement industry-standard security measures including:
- 256-bit SSL encryption for data transmission
- AES-256 encryption for sensitive data at rest
- Regular security audits and penetration testing
- Access controls and multi-factor authentication
- PCI DSS compliance for payment processing
6. Your Rights
Depending on your location, you may have the right to:
- Access and receive a copy of your personal data
- Correct inaccurate or incomplete information
- Request deletion of your personal data
- Opt out of marketing communications
- Withdraw consent for data processing
- File a complaint with a supervisory authority
7. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Financial transaction records are retained for 7 years as required by tax and financial regulations.
8. Children's Privacy
The Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.
9. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of significant changes by posting the new policy on this page and updating the "Last Updated" date.
10. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us at privacy@paywithzest.com