Privacy Policy

October 24, 2016

Welcome to the ZelleSM Network website operated by Early Warning Services, LLC and clearXchange, LLC (collectively, “Early Warning” “we,” “our,” or “us”). Early Warning takes the privacy and security of personal information very seriously. Please read our Privacy Policy to understand how we will collect, use, disclose and protect information about you.

Scope of the Privacy Policy

This Privacy Policy applies to the Zelle Website, www.zellepay.com (the “Website”). By using the Website, you consent to the privacy practices described in this Privacy Policy.

This Privacy Policy does not apply to information about you collected by third party services, applications or websites, or advertisements associated with, linked to or otherwise accessible from the Website. The information collected and received by such third parties is subject to their privacy policies and under no circumstance is Early Warning liable for the third party’s compliance therewith. You should review the privacy policies of third parties with whom you conduct or engage in third party transactions.

Collection Use and Disclosure of Information

We may collect information from or about you in a number of ways, including (i) when you give it to us, (ii) when you give us permission to obtain it, (iii) when we obtain it from other sources, and (iv) automatically when you use our Website.

Visiting our Website or Requesting Information about the ZelleSM Network

When you visit our Website, we collect information that you provide directly through the Website (e.g., when you subscribe to email updates or submit your contact information via the Contact Us form). This information may be personally identifiable and may include:

  • First and last name
  • Title/Department
  • Company name
  • Phone number
  • E-mail address
  • Mailing address

We may also automatically collect certain Internet data. This information may include:

  • Your Internet protocol (IP) address
  • The web page from which you entered our site
  • The type of web browser or operating system you are using
  • The name of your Internet provider
  • Your activity while using the website (including access times, new and repeat visit information, which of our web pages you visit, how long you spend on each page, and exit page information)

To collect Internet data we use cookie technology. A “cookie” is a text file that is placed on your hard disk by a web page server. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. Cookies cannot be used to run programs or deliver viruses to your computer. We may also use pixel tags, web beacons, clear GIFs, JavaScript or other technologies. These are online technologies that function similarly to cookies and help us track activities on our Website and to count users who open our HTML-formatted email messages.

Most popular Internet browser applications will allow you to configure the browser so as not to accept cookies. However, setting your browser to reject cookies may, in certain instances, prevent you from taking full advantage of the Website (or some portion thereof) and its capabilities, or cause some features of the Website to function improperly or more slowly.

How We Use and Disclose Personal Information Collected When You Visit Our Website

Early Warning does not sell information concerning visitors to the Website and we do not sell or rent your personally identifiable information to third parties for marketing purposes. Except as set forth in this Privacy Policy, we will not reveal any of your personal information to any other third party without your consent, except that we may share your personal information with our Service Providers (any person or company with whom we have entered into a legal arrangement for joint provision of or shared responsibility for provision of the Website or business associates who assist us in administering our services or the Website). Accordingly, we may use and disclose personal information collected when you visit our Website or request information about our products and services for certain purposes, including:

  • To respond to your inquiries and fulfill your requests
  • To send you information about our products and services that we believe you will find beneficial
  • To test, correct and improve our content and services
  • To analyze how the Website is being accessed and used
  • To improve the Website’s performance and delivery
  • To customize your user experience
  • To develop new products and services
  • To comply with applicable laws and legal requirements (e.g., subpoena or court order)
  • If it is necessary to allow our service providers or agents to provide services for us (such service providers or agents being required to maintain the confidentiality of your information with equal or greater protections than those provided by us)
  • If it is necessary in connection with other business purposes including, without limitation, customer care, service quality, business management and operation, risk assessment, security, fraud and crime deterrence/detection, monitoring, research and analysis, marketing and dispute resolution
  • If it is necessary as part of a merger, divestiture or acquisition
  • If it is necessary for us to provide it to our attorneys, accountants, regulators, auditors or other advisors

We may use and disclose automatically collected Internet data primarily for purposes of administering, testing, protecting and improving our Website, analyzing how the Website is being accessed and used, to better understand the preferences of our Website visitors, identifying server problems, measuring effectiveness of our communications and success of our marketing campaigns, and personalizing your experience on our Website.

Personal Information Disclosure: United States or Overseas

We do not transfer data outside of the United States.

Our Website is controlled and operated from the United States.

Additional Information

Not for Children

Our Website and services are not intended for children and we do not knowingly collect information from children under the age of 18. If you have reason to believe that we collected or are in possession of personal information from someone under 18 years of age, please let us know.

If you are under 18, please do not attempt to register for the Website, or send any information about yourself to us. By using the Website you represent that you are not under 18 years of age.

Opt Out

If you do not wish to receive marketing communications from our partners or us, you may express your choice by emailing [email protected]. Please allow us a reasonable period of time in order to satisfy your request, as some communications may already be in process.

Do Not Track

Our Website does not respond to “Do Not Track” signals. We do not collect personally identifiable information about your online activities over time and across third party websites or online services nor do we allow other parties to do so.

Our Security Safeguards

We take reasonable measures to safeguard your information, including technical, administrative and physical security controls to protect from unauthorized access, disclosure, or use. However, despite even our best efforts, the security of data transmission over the Internet cannot be completely guaranteed. You should always take precautions regarding how you handle and disclose your personal information and should avoid sending it through unsecure channels.

Linking to Third Party Websites

We may provide links to websites that are owned or operated by other third party companies and entities. When you use a link from the Website to visit a third party’s website, you will be subject to that website’s privacy policy, which may be different from ours. You should carefully read the policies of the websites you visit. We are not responsible for the privacy practices of any websites that are not owned or operated by us.

User Communications

Any information, communications, or material of any type or nature that you submit to any portion of the Website which is viewable by other visitors to the Website (such as providing viewable comments on our blog) or any of our pages contained on a social media platform or website by e-mail, posting, messaging, uploading, downloading, or otherwise (collectively, the “Submissions”) is done at your own risk and without any expectation of privacy. We cannot control the actions of other users of the Website or any social media platform and are therefore not responsible for any Submissions contained on a social media platform or website (or which are viewable on the Website by other users).

Reviewing and Updating Your Information

To review and request changes to personal information about you please contact [email protected]

California Privacy Rights

Under California Law, California residents have the right to request in writing from businesses with whom they have an established business relationship, (i) a list of the categories of personal information, such as name, email and mailing address and the type of services provided to the customer, that a business has disclosed to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties’ direct marketing purposes and (ii) the names and addresses of all such third parties. To request the above information, please contact us via email through our Contact Us page or write to us at the address indicated below.

International Users

Our Website, products and services are intended for a United States audience. If you visit or use the Website, your information may be transferred or processed within the United States, a jurisdiction in which the privacy laws may not be as comprehensive as those in the country where you reside and/or are a citizen. By accessing the Website, you acknowledge and agree that we may collect, process, store, use, disclose, and dispose of your personal information in accordance with the terms of this Privacy Policy.

Privacy Policy Changes

Early Warning reserves the right to update this Policy from time to time. We will notify you of any material changes to the Policy by posting the new Policy here. If we make any changes to this Privacy Policy, we will change the “Last Updated” date above. You should periodically read this Privacy Policy to learn of any revisions.

How to Contact Us

You may contact our Privacy Office should you have any questions about this Privacy Policy. For questions not related to privacy, click on the Contact Us link at the bottom left hand corner of this page or visit our Consumer Inquiries page. We will keep a copy of your message until we have had an opportunity to address your concerns. We may archive your message for a certain period of time or discard it, but your email address will not be used for any other purpose.

Early Warning Services, LLC
Attn: Privacy Office
16552 N. 90th Street
Scottsdale, AZ 85260
480.483.4610
[email protected]