Privacy notice

Personal Information We Collect Directly Our Group Companies. When you opt in to our services through another website, we receive the following categories of personal information from these other websites:

• Your name
• Contact information (such as email address, phone number, and company address)
• Company details (such as your company’s name, formation date, and associated addresses)

Personal Information We Collect Directly From You. After opting into the ZoomChecks.com services, we collect the following categories of personal information directly from you:

• Account information (such as account settings and passwords)
• Billing information (such as credit, debit, or other payment card information, as may be required to use certain services on the Website)
• Communications you send us (such as customer support and other requests you make through our services)
• Other information you may provide (including other information you provide about yourself or others through our Services or to which you provide us with access via third-party platforms)

Personal Information Generated By Us. As you use ZoomChecks.com we generate certain personal information about you, including through automatic data collection. We may automatically collect information about your interactions with the Website or communications you receive (such as email) using certain technologies, such as cookies, web beacons and other technologies. Specifically, we generate the following categories of personal information about you:

• Device Information. Each time you visit or use our Website, we automatically collect the IP address and user agent identification string associated with your device, which includes information about your hardware and software, and device configuration. 
  
• Usage and Performance Information. We also automatically collect personal information about your usage of the Website, including information about your searches or interactions with features of our Website; sites or pages visited; access times; and performance of our Services.

First-Party Cookies. ZoomChecks.com utilizes cookies, web beacons, and other technologies to allow the Website to "personalize" itself for each user by remembering information about the user's visit to the website. For instance, by using the cookies generated by ZoomChecks.com (“First Party Cookies”) your information is retained so you do not have to continually log back into your account each time you move to a different page. First Party Cookies remain associated with you. However, no third party may use the information we collect through our First Party Cookies for their own purposes. Deletion of these cookies may result in limited functionality of the Website and associated services.
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The use of these technologies by such third parties is subject to their own privacy policies and is not covered by this Policy, except as required by law.

Opting Out of Cookies and Other Tracking Technologies. See section XII.B for your rights regarding opting out of cookies.

Location. Your Personal Information may be processed and stored outside of your jurisdiction where laws regarding processing of Personal Information may be less stringent than the laws in your country or state. Your Personal Information will not, however, be used or disclosed for purposes for which you have not given consent or which are not permitted under applicable law.

Protection. We have put in place safeguards to provide adequate protection for the storage and transfer of personal information, including the presence of a SSL certificate and other encryption protocol in accordance with applicable legal requirements.

Storage of Credit Card Information. To protect your personal information, we take reasonable precautions and follow industry best practices to make sure your credit card information is not inappropriately lost, misused, accessed, disclosed, altered or destroyed. If you provide us with your credit card information, the information is encrypted using secure socket layer technology (SSL) and stored with an AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we implement additional generally accepted industry standards. Because your annual fees are set to auto-renew, we maintain access to your credit and debit card information through a third-party payment processor. We do not store your credit card or debit card information ourselves. We do not access such information for other purposes without your permission. While credit or debit card information is safeguarded through our third-party service provider, no method of electronic storage is 100% and we cannot guarantee its absolute security. When your credit or debit card account information is being transmitted through our Website, it will be protected by security protocols.

Disclaimer of Guaranty of Security. We believe we have taken reasonable steps to protect your Personal Information. No one can fully guarantee or fully eliminate all risks associated with Personal Information and we make no such guarantees.

Retention. Unless there is something in this Policy to the contrary, we may retain your personal information for as long as your account is active and for a period of time thereafter to allow you to re-activate your account without loss of information. We may also retain your personal information as necessary to:

General Use of Personal Information. We use your personal information for the following purposes (“Purposes”), to:

• Provide the Services.
• Authenticate your account credentials and identify you, as necessary to log you in to the Website and ensure the security of your account.
• Communicate with you about your account or use of our services, products, and/or functionality; respond to, or follow up on, your comments and questions; and otherwise provide customer service.
• Send you marketing communications, including communicating with you about services or products offered by ZoomChecks.com, our Group Companies, or our business partners and other marketing communications that we believe you would be interested in, as permitted by law.
• Show your purchases made through the websites, applications, and services of our Group Companies on your account page.
• Authenticate your credit or debit card account information.
• Protect against, investigate, and deter fraudulent, unauthorized, or illegal activity.
• Create anonymized information, which will be completely de-identified from your personal information.
• Comply with our policies, procedures and legal obligations, including complying with law enforcement or government authority requests, addressing litigation-related issues, and exercising rights or obligations conferred by law.
• As otherwise consented to by you and as required or permitted by applicable law. If you give your consent to any further use of personal information, you can withdraw that consent at any time by contacting us using the details set out below.

Electronic Communications. Consistent with the above Purposes and as is permitted by applicable law, we may communicate with you via electronic messages, including email and live chat platforms to:

• Send you information relating to our products and services, including receipts, updates, security alerts, support and administrative messages.
• Send you marketing communications. In other situations, subject to the Your Choice and Rights section below and applicable law, we may communicate with you about contests, offers, promotions, rewards, upcoming events, and other news about products and services, offered by ZoomChecks.com, our Group Companies, and other business partners.

Disclosure of Personal Information to Third Parties. We do not sell your personal information. We disclose the personal information we collect (or otherwise generate or obtain) as follows:

• With Our Group Companies. We share your information with our Group Companies. The purpose of disclosure to our Group Companies is to provide you with integrated services, to provide customer support, and to analyze how users use our independent and affiliated platforms. The use of the information by the Group Companies are subject to each of their respective Privacy Policies.
• With Business Affiliates. We share information with other third-party business partners only with your express consent. We allow you to opt-in to third party offers through our website. When you affirmatively opt in, we transmit only as much of your personal information as is necessary.
• To Protect Our Rights and Property. We may disclose your information to third parties when we believe in good faith that disclosure is necessary to protect our rights, our property, the integrity of the Website, personal safety, or the interests of you or any other person, and to detect, prevent and/or otherwise address fraud, risk management, security or technical issues.
• To Process Payments. To retain the services of ZoomChecks.com we require the submission of credit or debit card account information. When you submit your credit or debit card account information through our Website, we share that information with third-party payment processors, and other third-party service providers (including, but not limited to, vendors who provide fraud detection services to us and other third parties) to the extent necessary to meet our contractual obligations to you, to meet our legitimate interests in preventing fraud and other misuse of our platforms, or with your consent where this is required by law.
• With Third-Party Service Providers. Your Personal Information may be disclosed to third-party service providers who work with us to provide some of the services on the Website and to help us communicate with you. Examples include, but are not limited to, sending email, monitoring website usage, fulfilling your order if it requires providing the information you provided to us to others, marketing, and providing customer service. We expect our third-party service providers to not to use such information except as necessary to provide the relevant services to us.
• In the Event of a Corporate Transaction. We may disclose or transfer your information to a third party if we sell, transfer, divest, or disclose all or a portion of our business or assets to another company in connection with or during negotiation of any merger, financing, acquisition, bankruptcy, dissolution, transaction, or proceeding.
• To Comply With and as Required By Law. We may disclose your personal information to government authorities or other relevant third parties in order to comply with applicable legal requirements, judicial proceedings, court orders, legal process, or lawful requests from governmental authorities.
• At Your Request. We also share your information as directed or requested by you, or subject to your consent.

Processing Bases and Consequences. When we process your personal information, we rely on the following legal bases:

• Performance of the contract we have with you, such as retaining your information to effectively create checks or mail payments.
• Compliance with legal obligations to which we are subject, such as tax obligations, and when we are obliged to comply with lawful requests from competent authorities such as law enforcement.
• To serve our legitimate interests, provided that such processing does not outweigh your rights and freedoms. The processing may also be pursuant to other applicable legal bases for data processing.

Anonymous Information. We also reserve the right to create Anonymous Information records from the Personal Information collected directly from you by excluding information that we believe in good faith prevents it from being directly identified to a specific user such as your name. This would include any comments or feedback you provide us which becomes our property and we reserve the right to use any such material with your Personal Information redacted in perpetuity for any reason we deem appropriate including, but not limited to, marketing and/or improvement of the Website, without royalties or compensation to you. Any such Anonymous Information is subject to terms of this Privacy Policy applicable to all Anonymous Information.

Ability to Unsubscribe. Should you receive a promotional email from us, you may “opt-out” of receiving additional promotional email communications from us by following the unsubscribe instructions on the emails. You may also contact us directly at ZoomChecks.com. This applies to promotional communications and not administrative communications we feel are necessary to provide the services on the Website.

Cookies.

Sharing with Business Affiliates. We do not automatically share your personal information with third party business affiliates without your consent, except for any such disclosures that are necessary to fulfill the services you contracted for with us to provide the services of our Website. All other disclosures to third party business affiliates are only made through your affirmative actions, by indicating on the Website that you are interested in third party services. To prevent the disclosure of your personal information to these third party business affiliates, do not opt-in for the service.

Access and Correction of Your Information. If you have created an online account with us and would like to update the information you have provided to us, you can access your account to view and update your information. You may also contact us as described in the section XV below.

Legal Rights. Where applicable under local law, you may have the following rights regarding your personal information: the right to access personal information we hold, and in some situations, the right to have that personal information corrected or updated, erased, restricted, or delivered to you or a third party in a usable electronic format (the right to data portability). Where applicable, you may also object to how we use your personal information if the legal basis for processing that information is our legitimate interest. Where we are using your personal information on the basis of your consent, and where applicable under local law, you have the right to withdraw that consent at any time. Where you have granted consent to receive direct marketing communications from us, and where applicable under local law, you may withdraw that consent at any time.