Privacy Notice
Last Updated: May 15, 2025
This Privacy Policy (“Privacy Policy”) describes how Zap Payment Systems LLC and our U.S. affiliates and subsidiaries (collectively, “Zap Payment Systems,” “us,” “we,” or “our”) collect, use, and share personal information in connection with our website at www.zappaymentsystems.com and any other websites or digital properties that we operate and that post a link to this Privacy Policy (collectively, the “Site”), our mobile applications (collectively, the “App”), our email communications, our card acceptance devices (each, a “Terminal”), and our payment processing, gift card program, and other products and services (together, the “Services”).
We may change this Privacy Policy from time to time by posting the updates to this page. We advise you to review this page regularly to stay informed and to make sure that you keep up to date with any changes. If we make material changes to this Privacy Policy, we will post those changes to this Privacy Policy and update the “Last Updated” date above. If required by law, we will notify you about material changes by email, through posting a notification when you log into our website or when you open our mobile application, or through another manner that is reasonably expected to reach you. In all cases, your continued use of the Services following posting of changes constitutes your acceptance of such changes.
1. COLLECTION OF PERSONAL INFORMATION
1.1. Personal Information. Below are the categories (with examples) of personal information Zap Payment Systems LLC may collect about you:
- Individual Identifiers and Demographic Information
- Contact data (e.g., first and last name, alias, postal address, telephone number, email address)
- Business data (e.g., company name, legal form, business type, business address, company registration, directors and ultimate beneficial owners)
- Online identifiers (e.g., IP address, other unique identifiers)
- Device data (e.g., device ID, operating system type, manufacturer, model, browser type)
- Account data (e.g., username, profile information)
- Identity data (e.g., Social Security number, date of birth, driver’s license number, passport number)
- Sensitive Personal Information
- Financial data (e.g., bank account numbers, credit rating, financial history)
- Credit/debit card information
- Criminal history data (e.g., court judgments against you)
- Geolocation Data
- Precise physical location or movements (in connection with the App or Terminal)
- Sensory Data
- Audio data (e.g., customer service call recordings)
- Commercial Information
- Transaction data (e.g., order history, gift cards purchased)
- Marketing data (e.g., marketing communication preferences)
- Survey data (e.g., survey responses)
- POS data (e.g., transaction amount, location, time)
- Internet or Network Activity
- Online activity data (e.g., browsing history, search history)
- Device data
- Online identifiers
- Professional or Employment-Related Information
- Business data
- Inferences Drawn from Personal Information
- Derived from your financial data, transaction data, identity data, business data, criminal history data, and other collected information
1.2. Sources of Personal Information. We obtain the categories of personal information listed above from the following sources:
Personal Information You Provide. Zap Payment Systems LLC collects personal information when you voluntarily submit it to us. For example, we collect information when you create an account on the Services, register as a merchant, sign up for promotional communications, use the Services via the Site or the App, participate in surveys, contact customer service, interact on our social media pages, or engage with us or other users through the platform.
Automatic Collection. Zap Payment Systems LLC may also indirectly collect information automatically through the Services. For example, we collect information when you visit the Site, use the App, enable location-based features, and connect a Terminal. We and our service providers and partners may collect information over time and across different websites, apps, and devices. We collect some information automatically using cookies or other tracking technologies as described in our Cookie Policy, available at www.zappaymentsystems.com/cookies/.
Third Parties. We receive personal information from other third-party sources, such as affiliates, business partners, social media sites, third-party services linked to your account, public sources, and companies that provide additional personal information. This information may be combined with other personal information we collect. We may also receive information about gift card recipients from purchasers, including their names and email addresses. Referrals from other merchants or users may provide us with additional contact information, provided they have obtained consent to share it.
2. USE OF PERSONAL INFORMATION
We use personal information for various purposes, as detailed below and elsewhere in this Privacy Policy or at the point of collection:
2.1. To Provide Our Products and Services. We use the personal information collected to deliver our products and services. This includes processing orders and transactions, facilitating delivery, processing gift cards, responding to inquiries and requests, and providing you with relevant information such as transaction receipts, payout reports, security alerts, and support messages.
2.2. To Improve Our Products and Services. We utilize personal information to enhance and personalize our Services, conduct research surveys, understand and analyze usage trends and preferences, diagnose technical issues, prevent fraud, and develop new features and functionality. For instance, we might activate features in our mobile applications that are specific to your business needs.
2.3. Direct Marketing and Interest-Based Advertising. We use personal information to communicate with you about promotions, incentives, and rewards offered by us and/or our partners. We might use cookies or other tracking technologies for customized advertisements, content, and information; to monitor the effectiveness of marketing activities; and to track your participation in promotions. This could include third-party offers that might interest you, involving interest-based advertising drawn from information across multiple websites, devices, or platforms.
2.4. To Set Up Your Account. We use your personal information to establish and manage your account. This includes verifying details like your age and place of residence. The information you provide during account registration helps us create, maintain, customize, and secure your account.
2.5. Identity Verification and Merchant Registration. If you apply to be a merchant with Zap Payment Systems LLC, we use your personal information for identity verification and to assess your eligibility for our products, services, and promotions. This process may involve verifying your business details, financial records, criminal and credit history, among other data necessary for compliance with anti-money laundering regulations and fraud prevention.
2.6. Compliance and Safety. We use information to protect our rights, and to investigate and prevent fraudulent or illegal activities. We also use personal information to maintain the security and integrity of our Services, our databases, and our technology assets, as well as to protect our business and other users.
2.7. To Communicate with You. We may contact you regarding your account or our relationship, including discussions about this Privacy Policy or the terms that govern the Services or our other products.
2.8. As Required by Law. We use personal information to respond to law enforcement requests and as required by applicable law, court orders, or government investigations.
3. SHARING OF PERSONAL INFORMATION
We may share your personal information with the entities and individuals listed below or as otherwise described in this Privacy Policy or at the point of collection.
3.1. Related Companies. We may share information collected about you with any member of our group of companies, including subsidiaries, affiliates, our ultimate holding company, and its subsidiaries. For example, we will share your personal information with our related companies to provide our products and services to you, where other companies within our group perform components of the full service offering. These services include customer support, legal compliance, fraud monitoring, settlements, and internal audits.
3.2. Service Providers. We share personal information with third parties and individuals who perform functions on our behalf and help us run our business. For example, service providers that help us with payment transactions include fraud prevention and verification service providers, financial institutions, processors, payment card associations, and other entities that are part of the payment and collections process. Service providers also assist us with website hosting, app design, maintenance services, database management, web analytics, app analytics, billing, payment processing, credit risk reduction, marketing, and other purposes.
3.3. Advertising Partners. We also share personal information collected about you with third parties who we partner with for advertising campaigns, contests, special offers, or other events or activities in connection with our Services, including affiliate marketing partners. Some of our advertising partners may use information about your activity on the Site and the App and across other websites and online services to help advertise our products and services, and/or use hashed customer lists that we share with them to deliver ads to you and to similar users on their platforms.
3.4. Affiliate Marketing Services. We use affiliates to generate traffic and leads. These affiliates may collect personal information when you interact with our digital properties, including IP addresses, digital identifiers, information about your web browsing and app usage, and how you interact with our properties and ads for a variety of purposes, such as the personalization of offers or advertisements, analytics about how you engage with websites or ads, and other commercial purposes.
3.5. Business Transferees. We may share personal information with third parties in connection with any business transaction (or potential transaction) involving a merger, sale of company assets, financing, acquisition, consolidation, reorganization, divestiture, or dissolution of all or a portion of our business, including in connection with bankruptcy or similar proceedings.
3.6. Authorities and Others. We may disclose personal information if it is necessary to comply with applicable laws or regulations; enforce our terms and conditions or policies; protect the security or integrity of our Services; protect our rights; or for the compliance and safety purposes detailed in Section 2.
3.7. Professional Advisors. We may share your personal information with our professional advisors, such as lawyers, auditors, and insurers, where necessary for the professional services they provide to us.
3.8. Business Partners. We may share your personal information with business partners, including lenders and banks that facilitate merchant enrollment. If you connect our Services to a third-party service or account, such as your bank or another financial service provider, we will share certain personal information with that third-party service.
3.9. Gift Cards. If you purchase or send a gift card through our Services and include your name or other personal information, we will disclose that information to the gift card recipient. We may also share personal information with merchants regarding gift card purchasers and recipients, including contact details. Please be aware that we are not responsible for the privacy practices of merchants who use our Services or sell gift cards through our Services.
3.10. Other Users and the Public. If you provide a testimonial, review, or other feedback through the Services, your information may be displayed to other users or the public, and we may use it for marketing and other business purposes. For instance, if you submit a review on any product pages, your username, review, and other information you provide may be publicly posted for others to view.
4. INTERNATIONAL TRANSFERS OF PERSONAL INFORMATION
Zap Payment Systems LLC is based in the United States of America. For users outside of the United States, where laws governing data collection, use, and disclosure may differ from U.S. law, please note that any personal information you provide to us may be transferred to the United States. We may also transfer personal information to members of our group of companies or to third parties acting on our behalf that are located outside of the USA if necessary to provide our services to you. By providing your personal information, where applicable law permits, you specifically and expressly consent to such transfers and to the processing, collection, use, and disclosure as described herein or in the terms of service related to the use of and access to our Services.
5. SECURITY
Zap Payment Systems LLC is based in the United States of America. For users outside of the United States, where laws governing data collection, use, and disclosure may differ from U.S. law, please note that any personal information you provide to us may be transferred to the United States. We may also transfer personal information to members of our group of companies or to third parties acting on our behalf that are located outside of the USA if necessary to provide our services to you. By providing your personal information, where applicable law permits, you specifically and expressly consent to such transfers and to the processing, collection, use, and disclosure as described herein or in the terms of service related to the use of and access to our Services.
6. OTHER WEBSITES AND SERVICES
If you access third-party websites through links on our website, please be aware that these sites have their own privacy policies and are not owned by Zap Payment Systems LLC. These links do not imply an endorsement of or affiliation with any third party. Additionally, our content may appear on websites or other online services not associated with us. We do not accept responsibility or liability for these other websites and services. You should review the third parties’ privacy policies before submitting any personal information to these websites and services.
7. YOUR CHOICES
7.1. Access to Your Personal Information. You may request access to your personal information by contacting us as described below.
7.2. Changes to Your Personal Information. You can update or correct your personal information by logging into your account and modifying your profile and registration information. You may also request changes by contacting us as described below.
7.3. Deletion of Your Personal Information. We typically retain your personal information as needed to fulfill the purposes outlined in this Privacy Policy or as required or permitted by law. If you wish to delete your personal information, please contact us as described below. We will comply with your request where required by law. However, we may need to retain certain information to comply with our legal obligations, resolve disputes, enforce our agreements, or for other business purposes.
7.4. Promotional Emails and Text Messages. You may opt out of receiving marketing-related emails by following the unsubscribe instructions at the bottom of the email, or by contacting us as described below. You will still receive service-related and other non-marketing emails. To stop receiving marketing text messages from us, reply STOP to any marketing message.
7.5. Cookies. Most browsers allow you to remove and/or stop accepting cookies from websites you visit. To adjust these settings, follow the instructions in your browser’s settings. See our Cookie Policy for more information on your choices regarding cookies and similar technologies, available at [Zap Payment Systems Cookie Policy URL].
7.6. Interest-Based Advertising. We participate in interest-based advertising and provide choices regarding these practices in our Cookie Policy, available at [Zap Payment Systems Cookie Policy URL].
7.7. Privacy Settings and Location Data. App users can disable access to their device’s precise geolocation through their mobile device settings.
7.8. Do Not Track. Some browsers can be configured to send “Do Not Track” signals to the online services you visit. Currently, we do not respond to “Do Not Track” or similar signals. To learn more about “Do Not Track,” please visit http://www.allaboutdnt.com.
7.9. Declining to Provide Information. We require personal information to provide certain services. If you do not provide the information requested, we may be unable to deliver those services.
8. RESIDENTS OF CALIFORNIA
This section applies exclusively to residents of California. It details how we collect, use, and share personal information of California residents under our role as a “business” as defined by California privacy laws, and outlines their rights regarding their personal information.
8.1. Notice to California Residents. The section titled “Collection of Personal Information” describes the personal information we have collected over the past twelve months and the sources of that information. The business and commercial purposes for which we collected such personal information are detailed in the section titled “Use of Personal Information.” The section titled “Sharing of Personal Information” outlines the categories of third parties to whom the personal information was disclosed.
The personal information categories mentioned in the “Collection of Personal Information” section may be disclosed for the business purposes described in this Privacy Policy. Additionally, when we share personal information with certain third parties, such as our advertising partners like Google and Facebook, it may be considered a “sale” of personal information under California privacy laws. In the past twelve months, we have disclosed the following categories of personal information for purposes that may qualify as a “sale” under California law:
- Contact data (Individual Identifiers and Demographic Information)
- Online identifiers (Individual Identifiers and Demographic Information, Internet or Network Activity)
- Device data (Individual Identifiers and Demographic Information, Internet or Network Activity)
- Transaction data (Commercial Information)
- Marketing data (Commercial Information)
- Online activity data (Commercial Information, Internet or Network Activity)
8.2. Your California Privacy Rights. California privacy laws grant California residents the following rights:
- Right to Access. You have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve months, including:
- The categories of personal information we collected about you
- The sources from which the personal information was collected
- Our business or commercial purpose for collecting or selling that personal information
- The categories of third parties with whom we shared that personal information
- The specific pieces of personal information we collected about you
- Right to Delete. You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.
- Right to Opt-Out of Sales. You can opt-out of the sale of your personal information. Requests to opt-out will be treated as a request under this section.
- Right to Nondiscrimination. You have the right to exercise the above rights without discrimination, such as unlawful increases in service prices or decreases in service quality.
Please note that these rights are not absolute, and in some cases, we may be unable to fulfill your request, for example, when a legal exemption applies or we cannot verify your identity.
8.3. How to Exercise Your California Privacy Rights
To exercise your access and deletion rights, please submit a request by:
- Emailing us at [email protected]
- Sending us mail at the address provided by Zap Payment Systems LLC.
These changes ensure that the document reflects the proper business name, Zap Payment Systems LLC, and updates contact information to maintain consistency and compliance with applicable laws.
9. Right to Opt-Out of the “Sale” of Personal Information.
Under California law, some of the data we share with our advertising partners may qualify as a “sale” as defined under the CCPA. To exercise your right to opt-out of such “sale,” please email us at [email protected] or contact us by phone at 1-800-636-1458. You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee or decline to comply with your request if it is clearly unfounded, repetitive, or excessive.
When exercising your rights or assisting you, we may need to request specific information from you to help confirm your identity. This is a security measure to ensure that we do not disclose personal information to anyone not entitled to receive it. We may also contact you to ask for further information in relation to your request to speed up our response.
We aim to respond to all legitimate requests within 45 days. Occasionally, if your request is particularly complex or you have made multiple requests, it may take us longer than 45 days to respond. In this case, we will notify you of the delay and may continue to update you regarding the progress of our response.
You may also designate an authorized agent to make a request on your behalf. If you do so, we may require the requester’s proof of identification, the authorized agent’s proof of identification, and any other information that we may request in order to verify your request, including evidence of valid permission for the authorized agent to act on your behalf.
10. CONTACTING US
If you have questions or concerns about our Privacy Policy or any other privacy or security issue, or wish to exercise one of the rights described in this Privacy Policy, please contact us by email at info@zappaymentsystems.com or by phone at 1-800-636-1458.