Zip Terms of Service (For Quebec)

THIS AGREEMENT APPLIES ONLY IF YOU RESIDE IN QUEBEC. IF YOU RESIDE IN ANY CANADIAN PROVINCE OR TERRITORY OTHER THAN QUEBEC, PLEASE CLICK [HERE]. IF YOU ARE A RESIDENT OF THE UNITED STATES, PLEASE CLICK [HERE].

PLEASE READ THIS ZIP CUSTOMER AGREEMENT CAREFULLY, AS IT GOVERNS YOUR RELATIONSHIP WITH US. THE HEADINGS CONTAINED IN THIS AGREEMENT ARE FOR REFERENCE PURPOSES ONLY.

General

1.1. BY SIGNING UP FOR A ZIP ACCOUNT AND/OR USING THE ZIP SERVICE, YOU ARE:

1.1.1. Representing that you are acting on your own behalf, you are an individual resident of Quebec, Canada, you are at least the age of majority as recognized in Quebec, Canada, and the application you submitted to us in connection with the account is true and complete in all material respects and that there has been no Material Adverse Change not reflected on your application. If any of the foregoing are not true, you are not eligible to use any Services and doing so will be unauthorized and a breach of this Agreement.

1.1.2. ACKNOWLEDGING THE TERMS OF AND AGREEING TO BE BOUND BY THE CURRENT (1) ZIP CUSTOMER AGREEMENT (THIS “AGREEMENT”), (2) ZIP E-SIGN AGREEMENT, (3) ZIP PRIVACY POLICY, AND (4) ZIP.CA WEBSITE TERMS OF USE, INCLUDING OUR ACCEPTABLE USE POLICY. IF YOU DO NOT AGREE WITH THIS AGREEMENT, DO NOT ACCESS THE ZIP WEBSITE OR USE ANY ZIP SERVICE, AND CONTACT US TO CANCEL YOUR ACCOUNT, IF YOU ALREADY HAVE CREATED ONE.

1.2. This Agreement was last revised on the date first shown above. This Agreement replaces any other agreement relating to your account that you or we made earlier or at the same time.

1.3. CERTAIN DEFINITIONS.

1.3.1. ”We”, “us”, “our” or “Zip” means Zip Co Payments Canada ULC.

1.3.2. ”You” and “your” refers to the individual person who creates the associated Zip account and each and all of the persons who are granted access to, accept or use the account and any person who has guaranteed payment of the account.

1.3.3. “Services” means the “Buy with Zip” service and any other services or benefits we may provide you from time to time (including, without limitation, the “Zip Anywhere” service, if applicable).

1.3.4. Your “account” means your account with Zip, as described and governed by this Agreement.  You may request extensions of credit to finance the purchase goods or services (“Goods”) pursuant to a Service.  When you choose to and we agree to finance a purchase using a Service (a “Zip Purchase”), your account is debited for the advance that we lend to you.  Any fees, charges, or costs we impose also are debited to your account.

1.3.5. “Due Date” means any date by which you are required to make a payment as reflected on your Disclosure Statement or other communication provided to you by Zip, a Merchant, or a Retailer.

1.3.6. “Disclosure Statement” means the statement provided to you in respect of each Zip Purchase setting out a summary of the key terms of your equal payment instalment loan with Zip, including the amount of your loan, and the Due Dates associated with your loan. Each Disclosure Statement forms part of this Customer Agreement.

1.3.7 “Account Dashboard” means any account dashboard that Zip makes available to you on its website reflecting the activity on your account and the unpaid balances and/or Due Dates on your account.

1.4. PROVISIONS OF THIS AGREEMENT ARE SEVERABLE.

If any provision of this Agreement is found to be invalid, the remaining provisions will continue to be effective.

Our Services

2.1.  YOUR ZIP ACCOUNT AND TERMS APPLICABLE TO ALL SERVICES.

2.1.1. QUALIFICATION FOR AND ACCESS TO YOUR ACCOUNT AND THE SERVICES.  You must be qualified and receive an approval from Zip to use any Service. Whether you are qualified and whether any use of any Service is approved is determined by Zip in its sole discretion.  Without limiting the foregoing, Zip may make such determinations when you request to open an account, when you request an additional Service, when you attempt to make a purchase and/or at any other time that Zip deems to be appropriate.  Zip may close, suspend, restrict, or limit your account and/or your use of or ability to transact in connection with any Service in Zip’s sole discretion at any time for any reason without notice to you.  Zip also may cancel transactions at any time before a Merchant delivers any goods or services in its sole discretion at any time for any reason without notice to you.

2.1.2. USE OF YOUR ACCOUNT AND THE SERVICES.

You may use your account and the Services only for personal, family, or household purposes, and not for any business or commercial purposes. You may not use your account or any Service to make a payment on any other obligation you have with us or our affiliates. You may not use or permit your account to be used to make any illegal transaction.  Without limiting the foregoing, you may not use your account or any Service in connection with any gambling activity or permit such use.

2.1.3. YOUR PROMISE TO PAY.

Each time you use a Service, you are requesting that Zip advance money for your benefit and you agree to repay each such advance and all other transactions, fees, charges, costs, expenses, and other obligations you incur in connection with your account.  You promise to pay every required payment by its Due Date.  Before completing any transaction involving any Zip Services, a Merchant, a Retailer, or Zip may disclose specific terms and conditions applicable to that transaction and the associated advance on your account.  By completing the transaction, you accept and agree to any specific terms that are so disclosed.

2.1.4. PAYMENT TERMS.

2.1.4.1. HOW TO MAKE A PAYMENT. You must follow the instructions for making payments provided on your Disclosure Statement or on your Account Dashboard. If you do not, then credit of your payment may be delayed up to five days.  All payments must be drawn on a Canadian financial institution at a Canadian branch and must be in Canadian dollars.  We nevertheless reserve the right to accept payments made in foreign currency and instruments drawn on funds on deposit outside of Canada. If we do, we select the currency conversion rate at our sole discretion. We will then credit your account in Canadian dollars after deducting any costs incurred in processing your payment.  Additionally, you may use one of the acceptable methods of payment to make one-time transactions to pay your account as payments become due or to set up automatic scheduled account payments. Zip may determine the acceptable methods of payment, and may discontinue accepting any particular method of payment at any time, from time to time, for any reason, as permissible by law. Currently acceptable methods of payment are:

  • Debit and Credit Card – Payments made by debit and credit card will be subject to the terms and conditions established by the card issuer. If charges cannot be processed through your debit or credit card, you will be responsible for any fees incurred and Zip will have no liability with respect thereto.

2.1.4.2. CREDITING OF PAYMENTS.  Payments received after 5 p.m. (ET) will be credited as of the next day. We may delay making credit available on your account in the amount of your payment even though we will credit your payment as of the date when we receive it.  You may at any time pay, in whole or in part, any or all of the unpaid balance on your account without penalty or any additional charge for prepayment.

2.1.4.3. PAYMENT ALLOCATION.  We may apply payments received on your account to balances on your account in any order and using any method we choose in our sole discretion, to the extent permitted by applicable law.  This means that we may apply payments in a different manner in certain situations, such as when your account has a certain type of special promotion, and that we may apply payments in a manner that is more favorable for us and less favorable for you.

2.1.4.4 MINIMUM PAYMENTS DUE.  Every billing cycle you must make the a “Minimum Payment” by the Due Date indicated on your Disclosure Statement or Account Dashboard equal to the sum of (i) all past due payments, (ii) any outstanding Dishonoured Payment Fees on your account, and (iii) 100% of the amount of any outstanding advances for which separate payments are not required under the terms applicable to the “Buy With Zip” or “Zip Anywhere” Services.

2.1.5. TRANSACTIONS MADE IN FOREIGN CURRENCIES.  If we permit you to make purchases in one currency and repay them in another currency, then unless a specific rate is required by applicable law, the rates to make conversion from transactions in foreign currencies to Canadian Dollars (or vice versa) shall be the rates quoted on our website or app, which are accessible from your account dashboard (if applicable). They may not be the rates you would be able to achieve via any other third party currency conversion service, bank or broker, and they may include a conversion commission for Zip.

2.1.6. ACCOUNT FEES.

Dishonoured Payment Fee. If your Total Minimum Payment payment that is missed, returned or refused due to insufficient funds or for any other reason, then we may charge you a fee, currently $7. The Dishonoured Payment Fee is subject to change with notice.

Merchant Fees.  We may charge fees to Merchants and Retailers accepting a Zip Service for payment.  These fees are paid for the participation of such Merchants and Retailers in accepting Zip Services for payments, are not interest, and are in addition to, and not in substitution of, any other charge for which you may be liable hereunder.

2.1.7 Adjustments for Small Balance Installments
In the event that a refund or merchant credit is applied to your account and reduces a later instalment to less than two dollars, we may move that small balance from its own separate instalment and add it to the previous instalment.

2.1.8 Backup Payment Methods
You can select one payment method on file to be your default payment method for purposes of making instalment payments. All other payment methods you have saved will be considered “backup payment methods,” so that if there is a problem with your payment, we will automatically charge the backup payment methods in order to help you avoid defaulting on your repayment obligations.

2.2. THE “BUY WITH ZIP” SERVICE.

2.2.1. SERVICE FEATURES.  Signing up for a Zip account and qualifying for the “Buy with Zip” Service allows you to finance your purchases of Goods offered by participating merchants (“Merchants”) online and repay using a series of payments over time.  “Buy with Zip” provides Merchants and their end-customers like you with the opportunity to spread payments in four instalments due over the course of six weeks.

2.2.2. MINIMUM PAYMENTS.  When you use the Buy with Zip Service, we make a loan advance to you of up to 75% of the purchase price for your purchased Goods, including any Retailer-imposed fees, shipping and taxes (the “Purchase Price”) that you must repay.  Your first payment, due at the time of purchase, is equal to the difference between the Purchase Price and the amount we advance.  You then will be required to make three payments equal to ⅓ of the advanced amount on the Due Dates indicated at checkout or on your Disclosure Statement or Account Dashboard accessible via the Zip App or at http://customer.Zip.com.

2.2.3. Delays in Processing. In some cases when you attempt to use the Buy with Zip Service to make a purchase, the transaction may be held as pending or be otherwise delayed for processing and confirmation by either Zip or the merchant and can be cancelled at any time until it is confirmed by Zip.

2.3. THE “ZIP ANYWHERE” SERVICE.

2.3.1. Service Features.  Downloading the Zip app and qualifying for the “Zip Anywhere” Service allows you to purchase goods or services offered by retailers who accept payment cards at the physical point of sale (“Retailers”) or online at Retailer websites that don’t offer the “Buy with Zip” Service. Each virtual card number provided to you in the Zip app is associated with a virtual card issued to Zip that you may use to facilitate payment between Zip and a Retailer.  Each virtual card may be used only for a single transaction with a single Retailer.  If you wish to make additional or different purchases financed using the Zip Anywhere Service, then you must obtain a new virtual card number from the Zip app for each potential purchase.  When you use a virtual card number, you are requesting that Zip make an advance on your account to the Retailer using the Zip Anywhere Service and you agree to repay that advance pursuant to the terms of this Agreement.  You are not authorized to use any virtual card number provided by Zip for any other purpose.  Any unauthorized use of the virtual card will be considered theft and/or fraud and will be declined and or reversed and may lead to deactivation of your account, among other remedies to which Zip may be entitled.

2.3.2. Minimum Payments.  When you use the Zip Anywhere service, we make a loan advance to you of up to 75% of the Purchase Price that you must repay.  Your first payment, due at the time of purchase, is equal to the difference between the Purchase Price and the amount we advance.  You then will be required to make three payments equal to ⅓ of the advanced amount on the Due Dates indicated at checkout or on your Disclosure Statement or Account Dashboard accessible via the Zip App or at http://customer.Zip.com.

2.4. SERVICES OR BENEFITS FROM OTHERS.

2.4.1. It is important to note that benefits that may be offered by your bank or credit card issuer with respect to purchases of goods and services from merchants may not be applicable to transactions made through “Buy with Zip,” or “Zip Anywhere” and Zip does not represent or warrant that any purchase protection, extended warranty, or other such benefits offered by such third parties will be available to you if you make purchases through “Buy with Zip” or “Zip Anywhere”. You should inquire with your bank or card issuer to confirm whether any such benefits may be available, and upon what terms and conditions.

2.4.2. From time to time, we may offer or introduce other Services, in which case, you will be notified of the terms and conditions applicable to such Services (“Additional Terms”) in any associated documents or other materials provided to you from time to time by or on behalf of Zip. Unless expressly excluded from this Agreement by their Additional Terms, any such Services are subject to this Agreement, as well as their Additional Terms. We may adjust, add, or delete Services at any time and without notice to you. Zip is not offering any benefits to you other than the Services.

2.5. NO WAIVER.

We may, with or without notice to you, delay or refrain from enforcing our rights under this Agreement without losing them or limiting our ability to exercise them in the future.  Without limiting the foregoing, we may choose to accept late payments, partial payments, or payments with any restrictive writing without losing any of our rights under this Agreement. This means that no payment, including those marked with paid in full or with any other restrictive words, shall operate as an accord and satisfaction without the prior written approval of one of our senior officers. You may not use a postdated cheque to make a payment, and currently, you may not make any payment to us by cheque. If you do send us a cheque or postdate a payment cheque, we may elect to honour it upon presentment or return it uncredited to the person that presented it, without in either case waiting for the date shown on the cheque, and we are not liable to you for any loss or expense arising out of the action we elect to take.

Information about you

3.1. ZIP PRIVACY POLICY AND COLLECTION, USE AND DISCLOSURE OF YOUR INFORMATION.

NTRODUCTION

Zip Co Payments Canada ULC (“Zip”, “we”, “us” or “our”) respects your privacy and wants you to understand how we handle personal information.

This policy describes how we collect, use, disclose, and protect personal information when you visit our website www.quadpay.com/canada (our “Website”), download or use our mobile application that links to this Privacy Policy (our “App”) or otherwise interact with us or use our services in Canada (together with the Website and App, the “Services”).

We may amend this Privacy Policy at any time by posting a revised version on our website (see Changes to Our Privacy Policy). The revised version will be effective as of the ‘last modified’ date above.  You will be deemed to have accepted the updated Privacy Policy if you continue to use the Zip Services after the new Privacy Policy takes effect.

Please read this policy carefully to understand our policies and practices for collecting, processing, and storing your information. If you do not agree with our policies and practices, your choice is not to use Zip Services.

INFORMATION WE COLLECT ABOUT YOU

When we refer to “personal information” we mean information about an identifiable individual. We collect personal information when you provided it to us directly.  We may also collect personal information automatically when you use the Zip Services and from third parties.

Information You Provide to Us

When you register to use Zip Services, we will ask you to provide personal information including:

your name, mailing address, e-mail address and telephone number;

date of birth;

billing and account information, such as your credit or debit card information;

social insurance number if you choose to provide it.

If you choose to sign up to receive information and offers from Zip, we will ask you to provide your name and email address.

If you participate in community discussions, chats or similar public areas of the Zip Service we will collect the personal information that you choose to provide.  Please be aware that these areas are viewable by everyone and any personal information that you choose to provide may be accessed, collected, used and shared by others for any purpose.  We are not responsible for the information that you choose to make available in these areas and we recommend that you exercise caution when doing so.

If you choose to participate in our contests or promotions, we will ask you to provide personal information such as your name and contact information.

If you contact us with questions or concerns, or participate in our surveys, we will collect the personal information that you choose to provide to us.  Please note that for quality assurance, training and record keeping purposes, Zip may monitor or record our telephone conversations with you or anyone acting on your behalf (you will be notified prior to any recording).

We may collect other personal information with your consent or as permitted or required by law.

Information we collect automatically when you use Zip Services

We collect details of the transactions that you carry out through Zip Services, the fulfillment of your orders and the searches that you conduct through the Zip Service.

We use automatic data collection and tracking tools to collect information about your use of the Website, App and other Zip Services, and for tailored advertising purposes.  Please see Cookies and Tracking below.

Information we collect from third parties

With your consent, we may collect information from other members of the Zip corporate family or other companies. This information may include personal profile data account transaction information, and other information that you have provided to those other companies or which they have collected or generated in their interactions with you.

With your consent, we obtain credit and identity information about you from third parties such as credit bureaus and identity verification services with whom we have contractual relationships.  We use this information to verify your identity, creditworthiness and eligibility for the Zip Services.

You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site and your privacy settings on that site.

HOW WE USE YOUR INFORMATION

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience with the Zip Services. We use information that we collect about you or that you provide to us, including any personal information to:

provide Zip Services and customer support

communicate with you regarding your account or the Zip Services, including to notify you of any updates or changes

respond to your requests or inquiries

process transactions and send notices about your transactions

verify your identity, including during account creation and password reset processes

resolve disputes, collect fees or other amounts owed to us, and troubleshoot problems

manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities

detect, prevent or remediate violations of policies or applicable user agreements

improve the Zip Services by customizing your user experience

measure, analyze and gain insights into the performance of the Zip Services and maintain or improve their content, design, delivery and layout

manage and protect our information technology infrastructure

provide targeted marketing and advertising, deliver promotional offers and solicit feedback, including through surveys

perform creditworthiness and solvency checks, compare information for accuracy and verify it with third parties

other business or operational purposes compatible with the context in which the personal information was collected

prevent fraud and other illegal activities

comply with applicable law

defend our legal rights

DISCLOSURE OF YOUR INFORMATION

We may disclose personal information to:

Members of the Zip corporate family, to help detect and prevent potentially illegal acts and violations of our and their policies, and to guide decisions about their products, services, and communications. Members of our corporate family will use this information to send you marketing communications only if you have requested their services or otherwise expressly consented.

Financial institutions that we partner with to jointly create and offer a product that you have requested.

Credit bureaus and collection agencies to report account information, as permitted or required by law.

Banking partners as required by credit card association rules for inclusion on their list of terminated merchants.

Persons or companies who may invest or have invested in us, or with which we plan to merge, or which we are considering acquiring or being acquired by. (Should such a combination transaction occur, we will require that the new combined entity follow this Privacy Policy with respect to your personal information unless otherwise permitted or required by law.)

Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to Zip or one of its affiliates; when we need to do so to comply with law or credit card association rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.

Merchants and service providers as described below.

Other third parties with your consent or direction to do so.

How We Share Personal Information with Merchants

When transacting with merchants of goods and services (“Merchants”), we may provide those parties with information about you necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, we may also provide details of the unsuccessful transaction.

We do not share your bank account information or card account information with any Merchants.

We work with third parties, including Merchants, to enable them to accept or send payments from or to you using Zip. In doing so, a third party may share information about you with us, such as your email address or mobile phone number. We use this information to confirm that you are a Zip customer and that Zip as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a Zip customer with a third party, we will do so.

Please note that Merchants and other third parties from whom you buy or with whom you contract will have their own privacy policies, and although Zip’s user agreement does not allow the other transacting party to use any personal information we give them for anything other than providing Zip’s Services, Zip is not responsible for their actions, including their information protection practices.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you using Zip, or with the third parties that offer or use Zip Services, except with your express permission or if we are required to do so to comply with applicable credit card association rules, a subpoena, or other legal process.

Service Providers

We may transfer personal information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties (“Service Providers”) we use to support our business (such as analytics and search engine providers that assist us with Website improvement and optimization) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.  Zip and its Service Providers may process personal information outside of Canada, including in the United States, Australia, the Philippines or the United Kingdom.  While outside of Canada, personal information will be subject to applicable foreign laws, which may permit governments, courts, law enforcement, or regulatory agencies of that country to access personal information in certain circumstances.

COOKIES AND TRACKING

We and our third-party providers use cookies and similar technologies to collect information about your activities on the Zip Services and across third-party websites or other online services. The technologies used include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Zip Services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Zip Services.

Local Stored Objects. Certain features of our Zip Services may use local stored objects to collect and store information about your preferences and navigation to, from, and on our Website. Local stored objects are not managed by the same browser settings that are used for browser cookies.

Web Beacons. Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of Zip Services may not be accessible or may not function properly.

We use this tools to collect information such as: the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information. We use this information to helps us to improve our Zip Services and to deliver a better and more personalized service, including by enabling us to: estimate our audience size and usage patterns; store information about your preferences, allowing us to customize our Zip Services according to your individual interests; speed up your searches; recognize you when you return to our Website.

When you download or use our App, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device’s setting’s menu. If you have questions about how to disable your device’s location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.

Some content or applications on the Website, including advertisements, are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Zip Services. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioural) advertising or other targeted content. In addition to helping advertisers reach the right people for their products and services, behavioural advertising helps support our Zip Services.

You can opt-out of several third party ad servers’ and networks’ cookies simultaneously by using an opt-out tool created by the Digital Advertising Alliance of Canada here. Opting out of a network does not mean you will no longer receive online advertising. It does mean that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.

DATA SECURITY

The security of your personal information is important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Unfortunately, no security measures can offer absolute security and therefore we cannot guarantee the security of your personal information transmitted to our Zip Services. Any transmission of personal information is at your own risk.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Zip Services, you are responsible for keeping this password confidential. Do not share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards, which any Website visitor can view.

DATA RETENTION

The file containing your personal information is maintained on our servers or those of our service providers and will be accessible by authorized personnel who require access for the purposes described in this policy.  Except as otherwise permitted or required by applicable law or regulation, 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. Under some circumstances we may anonymize or de-identify your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent.

YOUR RIGHTS WITH RESPECT TO YOUR PERSONAL INFORMATION

You have the right to withdraw your consent to our collection, use or disclosure of personal information at any time, subject to contractual and legal restrictions.  Please note that if you withdraw your consent, we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision.

You have the right to request access to and to correction of the personal information that we hold about you.  We may request information from you to help us confirm your identity and your right to access, and to provide you with the personal information that we hold about you or make your requested changes. Applicable law may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, erased, or made your personal information anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal information, we will inform you of the reasons why, subject to any legal or regulatory restrictions.

Please contact us as described in the Contact Us section below to request access to or correction of your personal information or to withdraw your consent.

You can also review and edit your personal information at any time by logging in to your account and reviewing your account settings and profile. You can also close your account.  If you close your Zip account, we will mark your account in our database as “Closed,” but may retain personal information from your account for a certain period of time in accordance with our record retention policies.

You can unsubscribe from our marketing communications at any time by using the unsubscribe mechanism at the bottom of our e-mails, logging into your account and going to the notifications section and updating your preferences, or contacting us as described in the Contact Us section below.

THIRD PARTY SITES

If you open a Zip account directly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on a Zip website) will be accessible to the owner of the third party website or application. These sites are governed by their own privacy policies and you are encouraged to review their privacy policies before providing them with personal information. Zip is not responsible for the content or information practices of such third parties.

The Website may include links to third-party websites, plug-ins, services, social networks, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and we encourage you to read the privacy policy of every website you visit.

 

CONTACT US

We welcome your questions, comments, and requests regarding this privacy policy and our privacy practices, including with respect to our use of Service Providers outside of Canada. Please contact us, at the attention of our Privacy Officer, at [email protected]

3.2. AGREEMENT TO PROVIDE ACCURATE INFORMATION.

You agree that when you provide information to Zip, you will only and at all times provide true, accurate, current, non-misleading, and complete information, and you agree not to misrepresent your identity or any of your account information or related details. You further agree to keep your account information up to date and accurate. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You must notify us promptly when you change your address or any phone number. We may also change your address if so notified by the post office or others.

3.3. CREDIT BUREAU REPORTING.
You authorize us to investigate your creditworthiness and to obtain consumer reports about you in connection with your application for the right to use our Services and for as long as your account is open and/or this Agreement is in effect.  You authorize us to use such information and consumer reports to evaluate your application, to service and collect your account, to review whether changes should be made to the terms of your account, and to consider you for offers for other products and services. You represent to us that, to your knowledge, all information associated with your identity held by any national credit bureau is true and correct in all material respects and that there has been no Material Adverse Change which is not reflected therein.

Your Other Agreements/Obligations

4.1. ACCESS TO YOUR ACCOUNT.

You are responsible for maintaining the secrecy of the login credentials to your Zip account. You agree to establish reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals, which includes choosing passwords and other credentials in a manner that will protect the security of your information. Your credentials include your username and password to your Zip account and to any third party account you have used to login to your Zip account.

Please notify us immediately of the loss, theft, or possible unauthorized use of your account at [email protected]

If you permit any person to use your account information, login, or other details with the authorization to obtain credit on your account, you will be liable for all transactions made by that person including transactions for which you may not have intended to be liable. Further, you acknowledge and agree that you will not hold Zip responsible for, and will indemnify Zip from, any liability arising from the actions or inactions of this third party in connection with the permissions you grant. Authorized users of this account may have the same access to information about the account and its users as the account holders. Notice to any of you will be considered notice to all of you. We do not advise you to share your account details with other users, but we will consider someone to be an authorized user on your account if you: (1) notify us in writing that you want someone (such as a trustee, executor, or spouse) added to your account as an authorized user; (2) lend or otherwise intentionally give your account access details to another; or (3) take any other action in which you would be legally considered to have allowed another to use your account or to be legally prevented from denying that you did so. You must think carefully before you allow anyone to become an authorized user. By doing so, you authorize the person to use your account to the same extent you can, including but not limited to making any purchases and allowing others to use your account. Your account does not permit you to limit the nature or amount of authority you give to any authorized user and you will not attempt to do so. An authorized user’s authority will continue until you both notify us that you are terminating the authority and you create new access details (i.e. login and/or password).

4.2. COLLECTION.

You agree to allow Zip to send you payment reminders from time-to-time. Notwithstanding whether you have consented or withdrawn your consent to the Zip E-Sign Consent, you agree that payment reminders may take the form of any available communication, to the extent not prohibited by law, including, without limitation, emails and text messages. You may, however, request in writing that Zip cease collection communications and you may revoke your consent to be contacted using an automated dialer system or automatic telephone dialing system.

You also agree that if you fail to pay an amount owed to Zip pursuant to this Agreement, Zip may engage in collection efforts to recover such amounts from you. These collection efforts may involve contacting you directly, submitting your information to a collections agency, or taking legal action, all in accordance with applicable law. We may report information about this Agreement to credit bureaus. Late payments, missed payments, or other defaults on this Agreement may be reflected in your credit report.

4.3. COMMUNICATION & NOTIFICATION.

You agree that Zip may provide you communications about your account and the Zip services electronically or through phone calls or in writing. Standard mobile, message, or data rates may apply and you are responsible for any such fees. Zip reserves the right to close or limit access to your account and immediately collect all due amounts if you withdraw your consent to receive electronic or other communications. Any electronic communications will be considered to be received by you within 24 hours of the time we email it to you or otherwise send it to your attention (such as via text message or other online notification). We may assume you have received any communications sent to you by postal mail 3 business days after we send it.

4.4. CONSENTS TO COMMUNICATE.

If we need to contact you to service your account or to collect amounts you owe to us, you give direct consent to us that we, as well as servicers, agents, contractors and collectors of your account, may communicate with you in any way, such as calling, texting, or e-mail via:

  • a mobile phone or landline you provide to us, use to contact us, or at which we believe we can reach you (even if it is not yours),
  • any email address you provide to us or one of our merchants,
  • automated dialer systems and automatic telephone dialing systems,
  • pre-recorded or artificial voice messages and other forms of communications.

Where you have provided a mobile phone number directly to us, you consent and agree to accept servicing calls and text messages to your mobile phone from us. For example, we may place calls to you about fraud alerts or amounts you owe us (collection calls) on your account. For any telephone or mobile phone calls/communications we place to you, you consent and agree that those calls may be automatically dialed including prerecorded messages or texts.

Without limiting the foregoing, you consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication and for any related purpose, as permitted by applicable law. For informational, servicing or collection related communications, you agree that we may use the phone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing system. This consent applies even if you are charged for the call under your plan. You are responsible for any charges that may be billed to you by your communications carrier when we contact you.

You also agree that these communications are not unsolicited for purposes of any provincial or federal law, and you understand that this may result in additional mobile, text message, or data charges.

You may revoke any of your consents above, to the extent required by applicable law, by contacting us.

Notwithstanding this provision, Zip’s delivery of any Disclosures governed by the Zip E-Sign Consent shall be governed by your consent or withdrawal of consent to receiving such Disclosures in electronic form.

4.5. MONITORING AND RECORDING.  You understand and agree that Zip, or its service providers (including marketing associates and affiliates acting in this capacity) may, without further notice or warning (unless required by applicable law) and in our discretion, monitor or record telephone conversations you or anyone acting on your behalf has with Zip or its agents for quality control and training purposes or for its own protection. You acknowledge and understand that, while your communications with Zip may be overheard, monitored, or recorded, not all telephone lines or calls may be recorded by Zip, and Zip does not guarantee that recordings of any particular telephone calls will be retained or retrievable.

4.6. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do.

Our Rights

5.1. You will be in default of this Agreement if you (i) fail to make any required payment in full by its due date; (ii) file or have instituted against you any bankruptcy or insolvency proceedings or make any assignment for the benefit of creditors; (iii) make any representation to us that is misleading, fraudulent, deceptive, or false; (iv) experience any MAC; or (v) you fail to abide by any term of this Agreement.  Further, we may treat any MAC affecting similarly situated consumers as an event of default. In the event of a default, we may exercise all remedies available under applicable law, including (without limitation) (a) adjusting your payment schedule into fewer or more frequent payments, or (b) accelerating all obligations associated with your account and/or the Services and demanding payment of all that you owe under this Agreement and/or on your account.

5.2. SUSPENSION OR CLOSURE OF YOUR ACCOUNT.  We may suspend or close your account or otherwise terminate your right to use your account. We may do this at any time and for any reason. You may close your account at any time by contacting us at [email protected] Upon account closure, we will cancel any pending transactions unless otherwise legally prohibited. If you owe any payment, Zip will not close your account until that payment has been made, but we may limit your ability to make additional transactions using your account. You may not close your account to evade an investigation. You will remain liable for all obligations related to your account even after the account is closed. Zip will retain your information in accordance with our Privacy Policy.

5.3. DORMANT ACCOUNTS.  Zip may close your account if you do not log in to the Website or use the Zip Services for two or more years. Zip will retain your information in accordance with our Privacy Policy.

5.4. REFUSAL TO HONOR YOUR ACCOUNT.  We may deny any transactions for any reason at our discretion. We are not liable for any refusal to honour your account.

5.5. ASSIGNMENT OR SALE.  We may at any time, and without notice to you, sell, assign or transfer your account, any amounts due on your account, this Agreement, or our rights or obligations under your account or this Agreement to any person or entity. The person or entity to whom we make any such sale, assignment or transfer shall be entitled to all of our rights and shall assume our obligations under this Agreement, to the extent sold, assigned or transferred.

5.6 BILLING ERRORS, OVERCHARGES, AND UNDERCHARGES. In the event we collect from you any overcharges that result in your account being credited with an amount that cannot be applied to any other amounts owed, we will refund your payment method. In the event we fail to charge your nominated payment method or for any other reason your account is undercharged, a refund is posted to your account in error, or there is an adjustment in the Purchase Price occurring after the time of purchase, you agree that we may, at our discretion, (i) adjust your existing billing schedule to account for such additional amount, (ii) restart your billing cycle, (iii) start a new billing cycle from the date such amount is applied to your account, and/or (iv) require such amount be immediately paid in full.

How Zip will resolve disputes.

If you have a dispute with a merchant regarding your purchase with that merchant (or otherwise), you will need to contact that merchant directly. This section does not apply to that dispute.

6.1. DISPUTES WITH ZIP.

If a dispute arises between you and Zip, our goal is to provide you with a neutral and cost-effective means of resolving the dispute quickly. In the event of a dispute we encourage you first to contact Zip at [email protected] to try resolving your problem directly with us.

 

6.2. NO CLASS ACTIONS.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT.. If a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and the court’s determination shall be subject to appeal. This paragraph does not apply to any lawsuit or administrative proceeding filed against us by a state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers, including you. This means that we will not have the right to compel arbitration of any claim brought by such an agency.

6.3. EXCEPTIONS TO INFORMAL NEGOTIATIONS.

You and Zip agree that the following disputes are not subject to the above provisions concerning informal negotiations:(1) any disputes seeking to enforce or protect, or concerning the validity of, any of your or Zip’s intellectual property rights; and (2) any claim for injunctive relief.

Miscellaneous

7.1. ENFORCEABILITY AND GOVERNING LAW.

The failure or delay of Zip to exercise or enforce any right or provision of this Agreement does not constitute a waiver of such right or provision and does not prevent Zip from later exercising such right or provision. This Agreement sets forth the entire understanding between you and Zip with respect to the Services. If any provision of this Agreement is held to be unenforceable, the unenforceable term or provision shall be replaced by an enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision and the remaining provisions shall be enforced. To the extent that anything in or associated with the Services is in conflict or inconsistent with this Agreement, this Agreement shall take precedence.

This Agreement is governed by the laws of Quebec, Canada and the federal laws of Canada applicable therein, excluding any conflict of laws which would lead to the application of any other laws.

7.2. INTELLECTUAL PROPERTY.

All content, design, graphics, compilation, magnetic translation, digital conversion and other matters to the Services are protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property rights) and owned by Zip or one of its affiliates. The copying, redistribution, use or publication by you of any part of the Services, unless expressly permitted in this Agreement, is strictly prohibited. Use of the Services does not give you ownership of any intellectual property rights in any of the content, documents or other materials you access. The posting of information or materials on the Services does not constitute a waiver of any right in such information and materials.

7.3. TRADEMARK.

“Zip” is the marketing name for certain activities of Zip, Inc. and its subsidiaries as operator of the Services. “Zip” and “Buy with Zip” are trademarks of Zip, Inc. as are all other names, logos and slogans associated with Zip products and services. Other featured words or symbols may be the trademarks of their respective owners.

7.4. INDEMNIFICATION.

You agree to indemnify, defend and hold harmless Zip, its affiliates, and its and their respective officers, directors, employees, agents, representatives, successors, and assigns from any and all claims, debts, losses, liabilities, demands, obligations, costs, expenses (including reasonable attorneys’ fees), fines, penalties, actions and causes of action, judgments (collectively, “Losses”) and threatened Losses arising from or in connection with your use of the Services or violation of this Agreement.

7.5. WARRANTY.

ZIP AND ITS AFFILIATES MAKE NO COMMITMENTS OR WARRANTIES ABOUT THE CONTENT, RELIABILITY, OR AVAILABILITY OF THE SERVICES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SERVICES.

7.5. LIMITATIONS PERIOD.

You and Zip both agree, unless prohibited by law, that regardless of any statute of limitations period providing for a longer period, any claim or cause of action arising out of or related to use of the Services, Terms of Use, or Privacy Policy must be filed within ONE (1) YEAR after such claim or cause of action arose, regardless of when discovered, or be forever barred.

7.6. NO THIRD-PARTY BENEFICIARIES.

This Agreement is between you and Zip. No user has any rights to force Zip to enforce any rights it may have against you or any other user.

7.7. FEEDBACK YOU PROVIDE.

If you submit comments, ideas, or feedback to us, you agree that we can use them without any restriction or compensation to you. If we accept your submission, we do not waive any rights to use similar or related ideas or feedback previously known to us, developed by our employees, or obtained from sources other than you.

7.8. The parties specifically disclaim application of the Convention on Contracts for the International Sale of Goods. This Agreement is effective until terminated by either party. You may terminate this Agreement by destroying all Service-related materials obtained from the Service, Zip or any other website or source and paying all amounts you owe (including any fees or expenses incurred or imposed by Zip) in full. The privileges granted to you under this Agreement will terminate immediately and automatically without notice from Zip if, in our sole discretion, you fail to comply with any term or provision of this Agreement. Neither the course of conduct between the parties nor trade practice will act to modify this Agreement. This Agreement contains the entire understanding between you and Zip, and supersedes all prior understandings of the parties hereto relating to the subject matter hereof, and cannot be changed or modified by you except by Zip as provided herein. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import. Upon Zip’s request, you will furnish Zip any documentation, substantiation or releases necessary to verify your compliance with this Agreement. You agree that this Agreement will not be construed against Zip by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of this Agreement and the lack of signing by the parties hereto to execute this Agreement.

7.9. Material Adverse Changes. “Material Adverse Change,” or “MAC,” shall mean any circumstance, change, effect, event, occurrence, state of facts or development that, individually or in the aggregate, (a) has had, or may reasonably be expected to have, a material adverse effect on your assets, liabilities, properties, operations, or results of operations, or those of similarly situated individuals (b) has prevented, impaired or materially delayed, or would reasonably be expected to prevent, impair or materially delay your ability, or that of similarly situated individuals, to perform your obligations under this Agreement, including (without limitation) due to any of the following occurring in Canada or any other country or region in the world:

  • global, national or regional economic, regulatory or political conditions (or changes in such conditions), or conditions in the economy generally;
  • general conditions (or changes in such conditions) in the securities markets, capital markets, credit markets, currency markets or other financial markets, including changes in interest rates, changes in exchange rates for the currencies of any countries, and changes in price levels or trading volumes;
  • acts of war, sabotage or terrorism (whether or not declared);
  • earthquakes, hurricanes, tsunamis, tornadoes, floods, mudslides, wildfires or other natural disasters, weather conditions and other such events;
  • any epidemic, pandemic or other outbreak of illness or public health event; or
  • changes in accounting requirements or law or the enforcement or interpretation of such changes in accounting requirements or law.

 

CONSENT TO ELECTRONIC COMMUNICATIONS

By (i) submitting an application online or (ii) registering for online or mobile services for your Account, you hereby agree to the following and this will constitute your consent for us to send you electronic communications about your Account. When you successfully consent through an online or mobile site(s), you have successfully demonstrated that you are able to access information we have posted on such online or mobile sites.

Categories of Communications. You consent to receive communications relating to your Account in electronic form. The communications covered by your consent may include, but are not limited to, (i) the initial disclosure statement or agreement governing your Account, (ii) any disclosure required by federal, state or local law, (iii) your billing statement, if you have signed up to receive electronic statements, (iv) letters, notices or alerts regarding your Account and any changes to your Account, and (v) other disclosures, notices or communications in connection with the application for, the opening of, maintenance of or collection of your Account. These electronic communications may include your name and some information about your Account, including your balance or the due date; however, we will not include your full account number or social security number. Electronic communications may be reviewed by any party with access to your Account, the e-mail account you have provided to us for delivering these communications, or the hardware or software you use to view your Account information or your e-mail account.

How to Withdraw Your Consent. You may not apply online for an Account and you may not use your account, unless you also provide your consent to receive electronic communications. If you have successfully created an account and you wish to withdraw your consent to receive future electronic communications, you must cancel and close your account in accordance with the account Agreement to completely withdraw your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to electronic communications. However, you will not be able to receive or review your account information if you do not consent to receive electronic communications or you later withdraw your consent. Any withdrawal of your consent to electronic communications will be effective only after we have a reasonable period of time to process your account cancellation request, and only if you have also met the other conditions for closing your account.

How to Update Your Records. You agree to promptly update your e-mail address if a change occurs by updating your information through the Zip website or by calling customer service.

Hardware and Software Requirements. In order to access and retain electronic communications, you must have the following:

For personal computers: Access to the Internet via dial-up, DSL, cable modem, wireless access protocol or equivalent SSL-enabled web browser that supports JavaScript Sufficient electronic storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your browser software;

For mobile devices (phones, tablets, eReaders, or other mobile devices with Internet browsing capabilities): Access to the Internet via dial-up, DSL, cable modem, wireless access protocol or equivalent SSL-enabled web browser that supports HTML 5, JavaScript, and CSS3 Sufficient electronic storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your browser software.

Paper Copies of Communications. Upon your request we will provide you with a paper copy of a communication that we provide you electronically. If you would like a paper copy of any material, please write to us at Zip, Inc., 27 W 24th Street Fl 2 New York NY 10010 or call us at the phone number listed on your account dashboard or billing statement. There will be no charge for a paper copy of any material we have sent you electronically.

Communications in Writing. All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download a copy of this consent, the Account agreement, and any other electronic communication that is important to you for your records.

Electronic Signatures. You acknowledge that by clicking on the “Submit,” “Apply,” “Buy with Zip” or similar button, you are indicating your intent to sign up for electronic communications and that this shall constitute your signature.

IMPORTANT TERMS FOR ELECTRONIC STATEMENTS

In addition to the above, the following information applies:

Statement Inserts. Any inserts that would be included with a statement sent by mail may also be sent to you electronically. If an insert contains legally required material, to ensure that you receive the necessary material, we may send you a paper copy of your statement in addition to making the statement available to you electronically. Any legally required insert that would not be available electronically will be sent to you by mail.

Payment Information. Even though you will not receive paper statements, you must still pay at least your Minimum Payment and have it received by us by 5 p.m. (ET) on the Payment Due Date. You can do this through your account dashboard, an electronic bill pay service (whether through this website or using a third party servicer or bank) or by mailing your payment to us at the address shown on your electronic statement. Please note, if you do not pay us electronically, the crediting of your payment may be delayed by up to five days after receipt.

Returned E-mails. If e-mails advising you of your account status are returned to us, we may attempt to reach you via other methods, which may include paper communications, but our inability to contact you shall have no impact on your due dates, amounts due, or other aspects of your account with us.

SPAM Filters. We will make every effort to ensure our e-mail notifications are properly listed with all SPAM filter agencies. However, you are responsible for ensuring that any SPAM filters recognize e-mail originating from us. If you fail to receive e-mail notifications from us after enrolling for electronic statements, please check with the provider of your e-mail account and/or the SPAM filter associated with your e-mail account.

Account Delinquency. We reserve the right, at any time and without notice, to stop providing you with electronic statements and provide you with paper statements, if your account is not maintained in good standing.

Cancellation. We reserve the right, at any time, to stop providing you electronic statements and provide you with paper statements. If we do so, we will provide you with prior notice, except in the case of account delinquency.

Definitions used in this consent: “You” and “your” mean the primary applicant or accountholder; “We”, “us” and “our” mean Zip Co Payments Canada ULC; “Account” means your Zip account.

All other terms used in this consent shall have the meanings given to them in the Zip Customer Agreement.