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Privacy Policy

1. Introduction

ZapSend LLC ("ZapSend," "we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, share, and safeguard your information when you use our money transfer services, mobile applications, and websites.

 

This policy is designed to comply with:

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  • Federal laws and regulations, including the Gramm-Leach-Bliley Act (GLBA), the Bank Secrecy Act (BSA), and applicable Federal Trade Commission (FTC) guidelines.
     

  • State of Alabama consumer privacy and financial services regulations, including Alabama Data Breach Notification Act and Alabama Deceptive Trade Practices Act.
     

By using our services, you agree to this Privacy Policy.

2. Information We Collect

We may collect the following categories of personal and non-personal information:

  1. Identification Information:
     

    • Name, date of birth, Social Security Number (SSN), government-issued ID (e.g., driver’s license, passport)
       

  2. Contact Information:
     

    • Physical address, email address, phone number
       

  3. Financial Information:
     

    • Bank account details, debit card numbers, transaction history, and payment data
       

  4. Compliance Information:
     

    • Sanctions screening results, anti-money laundering (AML) data, risk profiles
       

  5. Device and Usage Information:
     

    • IP addresses, device identifiers, geolocation data, and browser activity
       

  6. Communications:
     

    • Customer support messages, emails, chat interactions
       

3. How We Use Your Information

We use the information we collect for the following purposes:

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  • Service Delivery: To process money transfers, verify identity, and complete transactions.
     

  • Regulatory Compliance: To comply with GLBA, BSA, and state and federal anti-money laundering (AML) obligations.
     

  • Fraud Prevention and Security: To detect and prevent fraud, unauthorized transactions, and misuse of services.
     

  • Customer Support: To provide support and respond to inquiries.
     

  • Marketing and Communication: To send service updates, promotional offers (with opt-out options), and notices.
     

Improvement of Services: To analyze usage patterns and enhance our technology.

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Information Sharing and Disclosure

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We do not sell your personal information. We may share your information under the following circumstances:

  1. With Service Providers: Third-party vendors performing functions such as payment processing, fraud detection, or compliance monitoring.
     

  2. With Regulators and Law Enforcement: As required by law, to comply with subpoenas, regulatory audits, and lawful requests.
     

  3. Business Transfers: In connection with mergers, acquisitions, or sales of assets.
     

  4. With Your Consent: When you explicitly authorize sharing with third parties.
     

GLBA Opt-Out: ZapSend does not share nonpublic personal information with non-affiliated third parties for marketing purposes, except as permitted by law.

 

Data Retention
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We retain personal information only as long as necessary to fulfill the purposes described above and to comply with federal and Alabama-specific recordkeeping laws (e.g., BSA record retention requirements of at least 5 years).

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Your Rights
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  • Access and Correction: You may request access to the personal information we hold about you and request corrections.
     

  • Opt-Out: You may opt out of receiving non-essential communications.
     

  • Deletion: Subject to regulatory retention requirements, you may request deletion of your information.
     

To exercise these rights, contact us at privacy@zapsend.com or  Mail: ZapSend LLC, Privacy Office, 2100 Southbridge Pkwy Ste 650, Birmingham,  Alabama 35209 

 

Data Security
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We use industry-leading safeguards to protect your information:

  • PCI-DSS-compliant encryption for payment data
     

  • Multi-factor authentication for user accounts
     

  • Continuous monitoring for unauthorized access
     

  • Employee training on data privacy and security practices
     

Children’s Privacy
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ZapSend’s services are not directed at individuals under 18 years of age. We do not knowingly collect information from minors.

 

Alabama-Specific Requirements
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  • Data Breach Notifications: In compliance with Alabama’s Data Breach Notification Act, ZapSend will notify affected Alabama residents and the Alabama Attorney General within 45 days of confirming a data breach.
     

  • Deceptive Practices: We comply fully with Alabama’s Deceptive Trade Practices Act to ensure fair and transparent communication.
     

 

International Data Transfers
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If we transfer data outside the United States, we ensure appropriate safeguards consistent with applicable laws.

 

Updates to This Policy
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We may update this Privacy Policy periodically. The updated policy will be posted on our website with a new “last updated” date.

 

Contact Us:

For questions or complaints about this Privacy Policy:

  • Email: privacy@zapsend.com
     

  • Phone: 1-682-294-0762
     

  • Mail: ZapSend LLC, Privacy Office, 2100 Southbridge Pkwy Ste 650, Birmingham,  Alabama 35209
     

Effective Date: 09/30/2025

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