Privacy Policy

INTRODUCTION

Zip Global Consulting Pte Ltd (“Zip”, “we”, “us” or “our”) respects your privacy and wants you to understand how we handle personal data.

This policy describes how we collect, use, disclose, and protect personal data when you visit our website https://zip.co (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 Singapore (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 personal data. If you do not agree with our policies and practices, your choice is not to use Zip Services.

DATA WE COLLECT ABOUT YOU

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

DATA YOU PROVIDE TO US

When you register to use Zip Services, we will ask you to provide personal data 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;

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 data that you choose to provide. Please be aware that these areas are viewable by everyone and any personal data 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 data 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 data 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 data 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 data 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 data 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 data 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 data was collected
• prevent fraud and other illegal activities
• comply with applicable law
• defend our legal rights

DISCLOSURE OF YOUR INFORMATION

We may disclose personal data 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 data 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 data 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.
• Where any personal data is transferred to a country or territory outside Singapore for the above purposes, we will ensure that the receiving entity handle the personal data with at least the same standards set out in this policy and the laws of Singapore.

How We Share Personal Data 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. Where such personal data is transferred to Merchants in countries or territories outside Singapore, we will ensure that the receiving Merchant handle the personal data with at least the same standards set out in this policy and the laws of Singapore.

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 data 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 consent 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 data 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 data confidential, use it only for the purposes for which we disclose it to them, and to process the personal data with the same standards set out in this policy. Quadpay and its Service Providers may process personal data outside of Singapore, including in the United States, Australia, the Philippines or the United Kingdom. While outside of Singapore, personal data may be subject to applicable foreign laws, which may permit governments, courts, law enforcement, or regulatory agencies of that country to access personal data 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 these 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 data or they may collect information, including personal data, 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 may refuse to accept cookies by changing the settings of your Internet browser. If you do not want cookies to be placed on your device, you can control this through your browser’s settings. Refer to the links below for each browser’s guide on how to turn off or delete cookies.

– Chrome – Firefox – Internet Explorer – Safari

DATA SECURITY

The security of your personal data is important to us. We use physical, electronic, and administrative measures designed to secure your personal data 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 data transmitted to our Zip Services. Any transmission of personal data 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.

We will notify you in the unlikely case that we suffer a significant breach of personal data or such breach is likely to cause significant harm to you.

DATA RETENTION

The file containing your personal data 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 data 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 data 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 DATA

You have the right to withdraw your consent to our collection, use or disclosure of personal data 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 the correction of the personal data that we hold about you. You also have the right to request information about the ways in which the personal data has been or may have been used or disclosed by us within a year before the date of your request. We may request information from you to help us confirm your identity and your right to access, and to provide you with the personal data 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 data that we hold about you, or we may have destroyed, erased, or made your personal data anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal data, 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 data or to withdraw your consent.

You can also review and edit your personal data 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 data 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.

We will inform you if there is any other purpose of the use or disclosure of your personal data not already listed in our Privacy Policy and will obtain your consent on such use or disclosure, where applicable.

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 data. 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 Singapore. Please contact our Privacy Officer at singapore@care.zip.co.