- Zobo's Privacy Policy
- Zobo places a strong emphasis on safeguarding your privacy. This Privacy Policy ("Policy") outlines how Zobo collects and utilizes the personal information you provide through our website and in conjunction with any services offered at www.zobo-app.com ("Service" and "Website"). This includes services like internet-enabled money transfers. Please note that when you sign up for our services, you may also be required to agree to the Privacy Policy of our partners. These partner privacy policies detail your choices regarding the use of your personal information and how you can access and update it. Furthermore, this Policy applies if you take part in our surveys and user research projects.
- Our Policy clarifies what personal information we gather about you, who we may share it with, and how you can, in specific instances, opt not to share your information with third parties. "Personal Information" encompasses data such as your name and email, which can be used to personally identify you.
- We retain the right to modify this Policy at any time. When we make revisions, we will notify you by posting an updated version on our Website. However, if we intend to make significant changes in how we collect, utilize, or store your personal information, we will give prior notice on our website and via email. You will then have the opportunity to decide whether we can use or disclose your information under the new terms, either through an "opt-out" process or by terminating your association with us. These changes will become effective no sooner than 30 days after the date of the email notifications.
- We kindly request that minors refrain from using our Service or providing any personal information to us. Our Service is not intended for individuals under the age of 18 years.
- If you have any inquiries or concerns regarding this Policy, please feel free to contact us at [email protected] .
- Information We Collect
- We will gather the following details, which may encompass nonpublic personal information:
- Personal and Financial Information: Information provided by you while using the Service, including your:
- Address
- Email address
- Date of birth
- Phone number
- All or part of your Social Security number
- Bank account online login information
- Bank account number
- Credit/debit card number
- In specific cases, information from scanned copies of official identification documents like your Int. Passport, Driver's License e.t.c.
- Third-Party Personal Information: Information you supply to enable us to facilitate funds transfers, such as your recipient's full name, physical address, email address and phone number.
- Personal and Financial Information: Information provided by you while using the Service, including your:
- Note: We will not contact your recipients unless directed by you or as needed to complete a transaction. This data is solely used to fulfill your requests or for any other specified purposes.
- Usage Information: Data related to your usage of the Service, including transaction history, details of how and with whom you use the Service for money transfers.
- Information from Third Parties: Data lawfully obtained from third-party sources, such as identity verification services, electronic database services, credit reporting agencies.
- Indirectly Obtained Information: Information indirectly gathered from you, including data about the hardware and software you employ to access the Service, your IP address, and the web pages you visit before accessing the Service.
- Utilization of Technologies: We employ technologies such as cookies, beacons, tags, and scripts, along with our marketing, analytics, and risk partners or affiliates. These technologies serve the following purposes: analyzing trends, administering the website, tracking user movements on the website, collecting demographic information about our user base.
- We may receive reports based on the utilization of these technologies, both on an individual and aggregated basis.
- Automatic Log Information: Similar to most websites, we automatically gather specific information and store it in log files. This information may encompass: internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, clickstream data.
- We may combine this automatically collected log information with other data we collect to enhance the services we provide.
- Third-Party Advertising: We may collaborate with a third party to manage our advertising on other websites. Our third-party partner may utilize technologies like cookies to collect information regarding your activities on this site and other sites to deliver advertising tailored to your browsing activities and interests.
- Why We Collect Information
- We collect Personal and Non-Personal information for the following purposes:
- To process your transactions.
- To verify your identity.
- To collect payment for your use of the Service.
- To track, improve and personalize our Services, content and advertising
- To troubleshoot problems with the Service.
- To comply with applicable laws and regulations, such as those relating to "know-your-customer," and anti-money laundering requirements.
- To detect and prevent fraud and other illegal uses of the Service
- To create an account connection between your Zobo account and a third-party account or platform (such as your online bank account);
- To send you marketing notices, service updates, and promotional offers.
- To collect survey information that will be used to monitor or improve the use of our Service and overall customer satisfaction.
- How We Share Information with Others
- We will only disclose your personal information to third parties as outlined in this privacy policy. We do not sell or lease the information we collect to third parties for their promotional purposes. These third-party entities are permitted to utilize your personally identifiable information solely for the purpose of providing services to us.
- However, we may share information about you, including non-public, personal information, with the following entities:
- Third-party Service Providers: We engage third-party service providers who are under contract with Zobo to assist us in our business operations. These operations include transaction processing, fraud prevention, marketing, market research, and validation of information provided. These third parties are strictly prohibited from using your information for their independent business purposes.
- Business Transfers: In the event of the sale, acquisition, or merger of some or all of our assets, your personal information may become part of the transferred assets. We will notify you in such a circumstance, along with any choices you may have regarding your personal information, by posting a notice on our website.
- Legal Requirements: We may disclose your information to regulators, law enforcement, government officials, or other third parties, but only in connection with formal requests, subpoenas, court orders, or similar legal procedures. This disclosure will occur when we have a good faith belief that it is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or investigate violations of our User Agreement.
- Consent and Account Linking: We may share your information with other third parties if you provide your consent or direction. This may involve authorizing an account linking with a third-party service, account, and/or platform. An "account linking" is a connection you enable between your Zobo account and a non-Zobo account, payment instrument, or platform that you legally control or own. When such a connection is authorized, Zobo and the third party will directly exchange your personal information and other relevant data.
- Access to Financial Information: If you connect your Zobo account to other banking or similar accounts, directly or through a third-party service provider, we may have access to your account balance and transactional information. This includes purchases and funds transfers. Information obtained through account connections will be used in compliance with this privacy policy.
- Third-Party Privacy Practices: Information shared with a third party based on an account connection will be managed and disclosed in accordance with the third party's privacy practices. Prior to authorizing an account connection, you should review the privacy notice of any third party gaining access to your personal information as part of the account connection.
- Access To Your Information
- You can access, modify, delete or update your personal information submitted on our Website by emailing our Customer Support at [email protected] . We will respond to your request to access within a reasonable timeframe.
- Retaining your personal information:
- We will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting or reporting requirements. To determine the appropriate retention period for personal information, we consider (amongst other things):
- obligations and/or retention periods imposed on us by applicable laws and/or our regulators
- the amount, nature, and sensitivity of the personal information
- the potential risk of harm from unauthorized use or disclosure of your personal information, and
- the purposes for which we process your personal information and whether we can achieve those purposes through other means.
- Deletion Of Account
- Upon your request for deletion of your account, we will process the request and delete your account along with all of your records and information regarding your identification and transactions. In accordance with Federal and State regulations pertaining to money transfers, we will retain your records in archive to adhere with our record keeping obligations. We will only utilize the archive for limited purposes such as to fulfill our regulatory obligations or to adhere to any request from a regulatory body having jurisdiction over our activities.
