In the course of serving our customers, Zenti may collect certain nonpublic personal information relating to your business. We recognize that this information is sensitive and that its privacy should be protected and maintained. In this Privacy Policy, we explain what information we collect about you and why, the limited way we may share that information with affiliates and non-affiliated companies, and how we protect and maintain the privacy of that information.

Types of Information We Collect and Why

Zenti collects nonpublic personal information from you only to the extent that you agree to provide it. That information includes information we get from you; information about transactions we process for you; and information from other sources like consumer reporting agencies, data resellers, and governmental authorities.

You provide some information directly to us through this website, like who you are, how we can contact you, what you sell, and how much you sell. You also provide information to us indirectly: by accessing this website, for example, you provide us with the IP address of the computer or device you use to connect with us. This information helps us to determine which of our services can be helpful to your business. We also ask for information that allows the money you earn from sales through Zenti to end up in the right bank account. We know this information is sensitive and private. But without this information, we will not be able to serve you.

We use this information only for limited purposes such as:

• Giving you information about our services, and other information you request;

• Processing transactions between you and your customers;

• Providing customer service and support;

• Assessing activity in your account for fraudulent activity; and

• Complying with federal, state and local laws (including credit reporting laws) and rules of VISA / MasterCard and other card brands.

We will communicate with you regarding these purposes and for others, including marketing. Users may “opt-out” of receiving some future communications from Zenti by following the instructions below.

Who We Share With and Why

In general, and except for the situations specifically described below, we do not share any information about you or your business with anyone without your express consent.

All financial companies need to share personal information to run their everyday business. We share some of your nonpublic personal information with non-affiliated companies for our everyday business purposes such as processing transactions and maintaining account(s), fraud monitoring, and in responding to court orders and legal investigations, or reporting to credit bureaus. We share such information as needed to process transactions between you and your customers as you and your customer request or authorize, including the authorization, settlement, billing, processing, clearing, transferring, reconciling or collection of amounts charged, debited, or otherwise paid using a debit, credit, or other payment card, check, or account number, or by other payment means. The affiliates and non-affiliated third parties with whom we share nonpublic personal information include non-affiliated financial institutions and service providers directly involved in the transactions we process for you, including banks, the card brands, the automated clearing house, and payment gateways, as well as non-affiliated non-financial companies such as security companies and direct marketers.

Information about you or your business may also be shared in connection with any sale or transfer of all or substantially all of Zenti’s assets or business. In all such situations, we stress the confidential nature of the information being shared.

What we do with former customer information

We are required by federal, state and local laws (including credit reporting laws) and rules of VISA / MasterCard and other card brands to retain information in our files for former customers. We treat the personal information of former customers the same way we treat such information for active customers.

How We Protect the Privacy of Current, Potential and Former Customer Information

Our website has industry standard security measures in place to protect against the unauthorized access to, and loss, misuse, and alteration of the nonpublic personal information and merchant account data we collect and acquire once you become a customer of Zenti (including sales and transaction information). This current, potential and former customer information is maintained on Zenti’s internal secure network that can be accessed and reviewed only by utilizing a unique user-ID and password. While there is no such thing as “perfect security” on the Internet, we will take all reasonable steps to ensure the security of that information. However, we cannot guarantee the security of information provided over the Internet, and we will not be responsible for breaches of security beyond our reasonable control.

This Website Is Not For Children

Our services and website are not directed at nor are intended for anyone under the age of 18. We do not knowingly collect or maintain information at our website from children.

Changes to this Privacy Policy

This Privacy Policy was implemented in its present form in February 2024. The CCPA aspects of this Privacy Policy were adopted effective January 1, 2020. We reserve the right to update or modify this Privacy Policy, at any time and without prior notice, by posting the revised version of the Privacy Policy on our website. If we modify this Privacy Policy, the modifications will only apply to the information we collect after we have posted the revised Privacy Policy.

How to Contact Us or Opt-Out of Receiving Certain Communications

You may change or modify information about you or your business that you previously provided by emailing your request to support@getbankcard.com or calling us at 800-520-4488. You may also “opt-out” of receiving communications from us for marketing purposes by emailing your request to support@banckcard.com.

Use of Third-Party Partners’ Technologies

Our website uses technologies of third-party partners to help us recognize your device and collect information enabling us to better understand how you use our site so that we can improve our services to reflect your interests and to allow for provision of advertisements about goods and/or services that are more likely to be of interest to you. The information we collect with such third-party technologies enables or may enable us to: Measure and analyze traffic and browsing activity on our website; show advertisements for our goods and/or services to you on third-party sites; and measure and analyze the performance of our advertising campaigns.

The information and data we collect may include hashed email derived from emails or other online identifiers collected on our website using third-party technologies. We may share this information to allow for recognition and delivery of advertisements by our partners to you across devices and browsers.

Opting Out Of Third-Party Partners’ Technology Use

You may decline the collection and use of information for the purpose of serving you interest based advertising. Some of our third-party partners may use non-cookie technologies that may not be impacted by browser settings that block cookies. Also, your browser may not permit you to block such technologies. To opt out of the collection and use of information for interest based advertising, you can use the following third party tools:

The right to request that such information be deleted (subject to certain exceptions); The right to request that the requesting consumer’s personal information not be sold to third parties; and The right of a requesting consumer not to be discriminated against for exercising any of the rights listed above.