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Plain-English summary
The Zip Privacy Policy states that your communications with the company may be monitored or recorded without further notice (risk_flags-1). Your personal information may be transferred to and processed in countries with less stringent data protection laws (risk_flags-2). The policy also highlights that third-party websites are not covered by their privacy policy (risk_flags-3). Zip may share nonpublic personal information with unaffiliated third parties for marketing purposes (data_use-1) and uses your financial data to assess creditworthiness and offer products. By linking third-party accounts, you agree that Zip can collect, store, and use that information (data_use-3). Sensitive personal information may be collected and used with consent or if de-identified, and Plaid is used for account linking and financial data collection (data_use-5). Closing your account does not guarantee the deletion of your data (cancellation_renewal-1), and the Privacy Policy can be amended at any time, with continued use implying acceptance (gotchas-1). Additionally, strictly necessary cookies cannot be turned off, and Do Not Track signals are not responded to (gotchas-3).
87% confidence
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Risk Flags
3 findings
Critical issues with high user impact.
high95% confidence
Communications may be monitored or recorded without further notice
When communicating with Zip, communications may be overheard, monitored, or recorded without further notice or warning, unless otherwise provided by applicable law.
Why it matters: Your conversations with customer service representatives and channels, including telephone calls, social media messages, chats, and emails, can be monitored or recorded without additional notification.
By communicating with Zip, unless otherwise provided by applicable law, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.
Audio, Electronic, Visual and Similar Information, paragraph 1 · Citation strength: strong
high90% confidence
Information may be processed in countries with less stringent data protection laws
Your personal information may be transferred to and processed in other countries where data protection laws may be less stringent than in your country.
Why it matters: Your personal data could be subject to the laws of other countries which might not offer the same level of data protection as your home country.
Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in your country.
How do we share your Personal Information, paragraph 15 · Citation strength: strong
high95% confidence
Third-party websites are not covered by this policy
This Privacy Policy does not apply to information submitted or collected through websites maintained by other companies or organizations to which Zip may link or who may link to Zip. Zip is not responsible for the actions and privacy policies of these third-party websites.
Why it matters: When you interact with third-party websites linked from Zip, your data will be subject to their privacy policies, and Zip is not responsible for their data practices.
This Privacy Policy does not apply to information submitted or collected through websites maintained by other companies or organizations to which we may link or who may link to us. We are not responsible for the actions and privacy policies of third-party websites.
Your Acceptance of this Privacy Policy, paragraph 1 · Citation strength: strong
Data Use
3 findings
Practices concerning the collection, processing, and sharing of user data.
medium90% confidence
Personal information may be shared with unaffiliated third parties for advertising
Zip may share nonpublic personal information, including your name, email address, telephone number, IP address, or postal address, with nonaffiliates to market to you.
Why it matters: Your personal information might be shared with companies not affiliated with Zip for marketing purposes, potentially leading to targeted advertisements.
Zip may share nonpublic personal information with nonaffiliates to market to you. This may include your name, e-mail address, telephone number, IP address or postal address.
How do we share your Personal Information, paragraph 10 · Citation strength: strong
medium90% confidence
Information collected from third-party services can be stored and used by Zip
By associating an account managed by a third party with your Zip account and authorizing Zip to have access to this information, you agree that Zip may collect, store, and use this information in accordance with this Privacy Policy.
Why it matters: When you link third-party accounts, any data collected from those services will be stored and used by Zip according to their privacy policy.
By associating an account managed by a third party with your Zip account and authorizing Zip to have access to this information, you agree that Zip may collect, store and use this information in accordance with this Privacy Policy.
Information from other sources, paragraph 1 · Citation strength: strong
medium90% confidence
Plaid is used for account linking and financial data collection
Zip uses Plaid Inc. and Plaid Consumer Reporting Agency, Inc. to link bank accounts and gather historical and ongoing financial information, including transaction data. By linking a bank account through Plaid, you consent to Zip and Plaid accessing and transmitting your personal and financial information.
Why it matters: Plaid will access and transmit your financial data, including transaction history, to Zip for account linking, and you agree to Plaid's Privacy Policy when using this service.
We use Plaid Inc. and Plaid Consumer Reporting Agency, Inc. (“Plaid”) for account linking services and to gather your data from financial institutions. This data may include historical and ongoing information, including transaction information from your financial account. By linking your bank account through Plaid, you consent to Zip and Plaid accessing and transmitting your personal and financial information from the relevant financial institution.
Information from other sources, paragraph 1 · Citation strength: strong
Cancellation & Renewal
1 finding
Terms related to account termination, data retention post-cancellation, and subscription renewal policies.
medium90% confidence
Account closure does not guarantee data deletion
If you close your Zip account, Zip will mark it as “Closed” in its database but may retain personal information from your account for a certain period and disclose it consistent with its Privacy Policy for accounts that are not closed. Information may also be retained to collect fees owed, resolve disputes, troubleshoot problems, assist investigations, prevent fraud, enforce the User Agreement, or as required/permitted by law.
Why it matters: Even after closing your account, Zip may retain your personal information for various business and legal reasons, and it may still be disclosed.
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 and disclose it in a manner consistent with our practices under this Privacy Policy for accounts that are not closed. We also may retain personal information from your account to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our User Agreement, or take other actions as required or permitted by law.
Email us at privacy@us.zip.co ; Or, paragraph 2 · Citation strength: strong
Gotchas
2 findings
Potentially surprising or unfavorable terms that users should be aware of.
medium90% confidence
Privacy Policy can be amended at any time, with continued use implying acceptance
Zip may amend its Privacy Policy at any time by posting a revised version on its website. The revised version will be effective as of the published effective date, and continued use of the services after the new policy takes effect will be deemed as acceptance of the updated Privacy Policy. Material changes will be notified via notification or other means consistent with applicable law.
Why it matters: The Privacy Policy can change at any time, and by continuing to use the service, you automatically agree to the new terms, even if you are only notified of material changes.
We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date, indicated at the top of this Privacy Policy, in which case you will be deemed to have accepted the updated Privacy Policy if you continue to use the Services after the new Privacy Policy takes effect. If we make material changes to the way we process your personal information, we will notify you by sending you a notification or by other means consistent with applicable law.
Your Acceptance of this Privacy Policy, paragraph 1 · Citation strength: strong
low90% confidence
Do Not Track signals are not currently responded to
Zip does not currently respond to Do Not Track ("DNT") signals, although it provides notice of tracking by advertisers and other third parties in its Privacy Policy.
Why it matters: If you use a Do Not Track browser setting, Zip will not honor it, meaning your online activities may still be tracked.
We do not currently respond to DNT signals.
Cookies and Tracking Technology, paragraph 2 · Citation strength: strong
Protections
2 findings
User-benefiting privacy and data security commitments.
Protection95% confidence
Secure disposal or anonymization of personal data
At the end of respective retention periods, Zip takes appropriate measures to securely dispose of or anonymize your personal data in compliance with relevant laws and regulations. Data disposal methods may include deletion, encryption, or anonymization to ensure that the information cannot be retrieved or identified.
Why it helps: This commitment ensures that your personal data is not indefinitely retained and is securely handled when it is no longer needed, reducing the risk of unauthorized access or misuse.
At the end of the respective retention periods, we take appropriate measures to securely dispose of or anonymize your personal data in compliance with relevant laws and regulations. Data disposal methods may include deletion, encryption, or anonymization to ensure that the information cannot be retrieved or identified.
How long we keep your Personal Information, paragraph 6 · Citation strength: strong
Protection95% confidence
No collection or sale of personal information from children under 13
Zip complies with the Children's Online Privacy Protection Act and does not knowingly or intentionally collect or sell personal information from children under the age of 13. Its website, products, and services are directed to individuals who are at least 13 years of age or older. If personal information from a child is collected in violation of applicable law, Zip will promptly delete it and terminate the child's account.
Why it helps: This policy protects the privacy of young children by preventing the collection and sale of their personal information, and commits to deleting such data if inadvertently collected.
We comply with the requirements of the Children's Online Privacy Protection Act. We do not knowingly or intentionally collect or sell personal information from children under the age of 13. Our website, products, and services are directed to individuals who are at least 13 years of age or older. If you learn that your child has provided us with personal information without your consent, you may contact us as set forth herein. If we learn that we have collected any personal information in violation of applicable law, we will promptly take steps to delete such information and terminate the child's account.
Protecting the Privacy of Children, paragraph 1 · Citation strength: strong
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