Zelle® App Privacy Notice
Effective: August 11, 2025
This Privacy Notice applies to users of the Zelle® app. If you use Zelle® through your mobile banking app or online banking, please refer to your financial institution’s privacy notice. As a visitor to our website, zellepay.com, our Website Privacy Notice also applies. Click here to learn more.
This Privacy Notice applies to the Zelle® app (the “App”). 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 through the App and on the zellepay.com website. You may also email zelleprivacy@earlywarning.com to request a copy by US mail.
By using the Zelle® app, 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 the App 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
- Minors’ privacy
- Your choices
- 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
- When this Privacy Notice applies
This Privacy Notice applies to the Zelle® app ( the “App” ).
If you use Zelle® through your mobile banking app or online banking, please refer to your financial institution’s privacy notice.
As a visitor to our website, zellepay.com, our Website Privacy Notice also applies. Please click here to learn more.
- What is Personal Information?
For the purposes 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 device information and interactions with the App. Personal Information does not include deidentified, anonymized, or aggregate information.
- Personal Information we’ve collected, used, and/or disclosed
If you’ve used the App, 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 collected: | 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) |
|---|---|---|---|---|---|---|
| Online identifiers | · IP address, unique identifiers | · Your device when you use the App | · To perform services (for us or our service providers) such as providing analytic services; · For internal research for technological development, demonstration, and improvement; · For internal operations; · To debug, identify, and repair errors that impair existing intended functionality; · To create, develop, operate, deliver, maintain, and improve our products and services; · For legal compliance; and · For other one-time uses | · Our service providers (e.g., companies that help us provide the App); and · Law enforcement, government agencies, and other authorized third parties (we may be required by law to disclose information) | · None | · Up to 4 years |
| Internet or other electronic network activity information | · Your interactions with the App | · Your device when you use the App | · To perform services (for us or our service providers) such as providing analytic services; · For internal research for technological development, demonstration, and improvement; · For internal operations; · To debug, identify, and repair errors that impair existing intended functionality; · To create, develop, operate, deliver, maintain, and improve our products and services; · For legal compliance; and · For other one-time uses | · Our service providers (e.g., companies that help us provide the App); and · Law enforcement, government agencies, and other authorized third parties (we may be required by law to disclose information) | · None | · Up to 4 years |
- Minors’ privacy
Our App is not intended for children under the age of 18. We do not knowingly collect Personal Information from children. We do not sell or share (for cross-context behavioral advertising) Personal Information collected from the App to third parties. Therefore, we would not sell or share information about children.
For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
- Your choices
If you no longer wish to use the App, you can delete it from your mobile device. iOS users can either remove the App from the Home Screen or delete the App from your App Library. Android users can delete the App from the Google Play Store.
- Our data retention practices
We generally retain information for as long as it is necessary and relevant for our operations and to comply with applicable law. See Section 3 for more information.
- Links to third-party websites
Our App may contain links to other third-party websites, such as links to our bank and credit union partners’ websites. When you leave our App 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 third-party service providers 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 our website or in the App. You should check this Privacy Notice 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.