ZeroPoint (“ZeroPoint,” “we,” “us,” or “our”) operates the website zeropointus.com (the “Site”) and related services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site, contact us, or use our services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our Site.
1. Information We Collect
Information you provide directly
We collect information you voluntarily provide when you:
- Fill out a contact form (name, email address, phone number, business name, and your message)
- Apply for merchant services or a working capital advance
- Correspond with us by phone, email, or other means
- Sign up for our email newsletter or updates
This information may include: name, email address, phone number, business name, mailing address, tax identification number, banking information, and other information required to process payments or underwrite merchant accounts.
Information collected automatically
When you visit our Site, certain information is collected automatically by our hosting infrastructure and analytics tools, including:
- IP address and approximate geolocation
- Browser type and version
- Operating system
- Pages visited, time spent on pages, and referral URLs
- Device identifiers
We use Netlify to host the Site. Netlify may collect log data as part of their standard infrastructure operations. Please review Netlify's privacy policy at netlify.com for details.
Cookies and similar technologies
We may use cookies and similar tracking technologies to enhance your experience and collect usage data. You may instruct your browser to refuse cookies; however, some portions of the Site may not function properly if you do so.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To provide services: process your merchant application, underwrite accounts, fund working capital advances, and provide ongoing support.
- To communicate with you: respond to inquiries, send transactional messages, and provide service updates.
- To improve our Site: analyze usage patterns and improve content, navigation, and performance.
- To comply with legal obligations: meet regulatory requirements including AML/KYC obligations under applicable payment card industry rules and federal and state law.
- To detect and prevent fraud: monitor for suspicious activity and protect the security of our systems and your account.
- Marketing: with your consent, send promotional communications about our services. You may opt out at any time by clicking “unsubscribe” in any email or contacting us directly.
3. How We Share Your Information
We do not sell your personal information to third parties. We may share your information in the following limited circumstances:
- Payment processors and acquiring banks: We partner with acquiring banks, payment processors, and card networks (such as Visa and Mastercard) to process transactions. These partners receive the information necessary to underwrite and process your merchant account.
- Service providers: We use trusted third-party vendors for hosting, email delivery, analytics, and customer support. These vendors are contractually obligated to handle your data only as directed by us.
- Legal requirements: We may disclose information when required by law, subpoena, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
- Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on the Site before your information becomes subject to a different privacy policy.
4. Data Retention
We retain personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Merchant account records are typically retained for a minimum of five (5) years after account closure to satisfy payment card industry and financial regulatory requirements.
5. Security
We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit (TLS), access controls, and regular security reviews.
No method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.
6. Your Rights and Choices
Depending on your location, you may have the following rights regarding your personal information:
- Access: You may request a copy of the personal information we hold about you.
- Correction: You may request that we correct inaccurate or incomplete information.
- Deletion: You may request deletion of your personal information, subject to our legal and regulatory retention obligations.
- Opt-out of marketing: You may opt out of receiving marketing communications at any time.
To exercise any of these rights, please contact us at admin@zeropointus.com. We will respond within 30 days.
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). Please contact us to make a CCPA-specific request.
7. Children's Privacy
Our Site and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected information from a child under 13, we will delete it promptly.
8. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.
9. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Effective date” at the top of this page. If we make material changes, we will provide additional notice (such as adding a statement to our homepage or sending you an email notification). We encourage you to review this policy periodically.
10. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
ZeroPoint
Email: admin@zeropointus.com
Website: zeropointus.com