Privacy Policy

Zact Inc. is committed to protecting your personal data. This privacy notice will describe the types of personal information we collect when you visit our website (“Website”) or use our application (“App”), the purposes for which we collect your personal data, the parties with whom we may share it, and the measures we take to protect the security of the data. We will also tell you about your rights and choices with respect to your personal information and how you can contact us about our privacy practices.

Please read this policy carefully to understand our policies and practices regarding your data. This policy may change from time to time. Your continued use of this Website or App after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Personal Information We May Collect

The types of personal information we collect, and share will depend on the services provided to you by your company as well as the purpose for which the service is being used. This information can include:

  • Social Security Number
  • Name
  • Date of Birth
  • Home address
  • Email address
  • Telephone number
  • Client Bank account balances
  • Client Payment history
  • Credit history and scores
  • Transaction or Loss History
  • Detailed payment information about individual transactions
  • Purchase receipt
  • Cardholder information
  • IP address
  • Mobile device unique identifier

Automatic Information Collection and Tracking

When you download, access, and use the App, it may use technology to automatically collect:

  • Usage Details. When you access and use the App, we may automatically collect certain details of your access to and use of the App, including traffic data, location data, logs, and other communication data and the resources that you access and use on or through the App.
  • Device Information. We may collect information about your mobile device and internet connection, including the device's unique device identifier, IP address, operating system, browser type, mobile network information, and the device's telephone number.
  • Stored Information and Files. The App also may access metadata and other information associated with other files stored on your device. This may include, for example, photographs, audio and video clips, personal contacts, and address book information.
  • Location Information. This App collects real-time information about the location of your device

The technologies we use for automatic information collection may include:

  • Cookies (or mobile cookies) -A cookie is a small file placed on your smartphone. It may be possible to refuse to accept mobile cookies by activating the appropriate setting on your smartphone. However, if you select this setting you may be unable to access certain parts of our App.
  • Web Beacons - Pages of the App (and our emails) 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 app statistics (for example, recording the popularity of certain app content and verifying system and server integrity).

How We May Collect your Personal Information

Zact may collect information in the following ways, among others:

  • When an account is opened with Zact or one of its banks
  • When an agreement is signed with Zact
  • When funds are moved into or out of a Zact-related account
  • Whenever a transaction occurs with a card
  • When Zact’s customer service provides support
  • When a transaction is disputed, card is lost or stolen or similar event
  • From others with whom Zact is engaged in a business relationship

How We Use and Share Personal Information

As a financial company, Zact needs to share your information for the purpose of performing everyday business. Below are some of the reasons why Zact may, and in some cases will share your transaction and personal information (personal information may include both business and individual information).

  • To fulfill the purpose for which it was provided,
  • For everyday business purposes such as to process transactions, maintain your account(s) and other reporting matters with Zact, respond to court orders and legal investigations, or report to credit bureaus,
  • For Zact’s marketing purposes and to offer our products and services to your company,
  • For joint marketing with other financial companies,
  • For our affiliates' everyday business purposes, information about your transactions and experiences,
  • For our affiliates' everyday business purposes, information about your credit worthiness
  • For nonaffiliates to market to your company
  • To a buyer or other successor in the event of sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding in which personal data held by us about our App users is among the assets transferred.

We do not sell or disclose personal information we collect about you except as described herein or as otherwise disclosed to you at the time the data is collected. We may share the personal information we collect with our affiliates, issuers, merchants, processors, suppliers, regulators, law enforcement personnel and other entities that assist with transactions. These parties are required to appropriately safeguard the privacy and security of personal information they process on our behalf.

Definitions Affiliates - Companies related by common ownership or control. They can be financial and non-financial companies. Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies. Company – The company or an individual’s employer who has contracted with Zact for specific services and products.

Third-Party Information Collection When you use the App or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties may include:

  • Advertisers, ad networks, and ad servers
  • Analytics companies
  • Your mobile device manufacturer
  • Your mobile service provider
  • Others

The information collected may be associated with your personal information or your online activities over time and across different websites, apps, and other online services websites. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly

Your Rights and Choices

We strive to provide you with choices regarding the personal information you provide to us. This section describes mechanisms we provide for you to control certain uses and disclosures of your information. You may also have certain legal rights about the personal information we maintain about you. You may also request and limit the use of transaction data for the purpose of marketing by third parties.

You may choose not to provide personal information to Zact by refraining from conducting a transaction using our products and services. If you do not provide personal information, you may not be able to benefit from the use of Zact products and services. We may not be able to provide you with our products or services if that information is necessary to provide you with them, or if we are legally required to collect it in relation to the provision of such product or service.

You can choose whether to allow the App to collect and use real-time information about your device's location through the device's privacy settings. If you block the use of location information, some parts of the App may then be inaccessible or not function properly.]

You may elect not to have a unique cookie identification number assigned to your computer to avoid aggregation and analysis of data collected on our websites. Most browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies.

You may have additional personal information rights and choices if you reside in specific states such as, but not limited to, California or Massachusetts. Please refer to the Privacy Rights specified for your state of residence for more information.

Your personal information is provided to Zact by the designated Business Administrator at your company. Contact the Business Administrator to update or correct your personal information.

How We Protect Personal Information

To protect your personal information from unauthorized access and use, Zact uses security measures that comply with federal law and industry best practices. These measures include computer safeguards, encryption and secured storage. Zact also maintains other physical, electronic and procedural safeguards to protect this information and limits access to information to those individuals for whom access is appropriate.

Unfortunately, the transmission of information via the internet and mobile platforms is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted through our App. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide.

Records Retention and Disposal Personal information is retained as long as necessary to fulfill the stated business purposes or as legally required. Transaction data contains personal information and is retained as long as necessary to fulfill the stated business purposes or legal requirements. When personal information is no longer necessary or relevant for these reasons, it shall be securely destroyed.

Children Under the Age of 13 The App is not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at

How to Contact Us If you have any questions, comments or complaints about this Privacy Notice and our privacy practices, please email us at or write to us at:

Zact 14435C Big Basin Way
Suite 265
Saratoga, CA 95070-6008