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| t | Zelle® | Send and receive money directly to and from your bank account | t | Zelle.com Website Privacy Notice |
| Here for you, so you can be there for them. | | LEGAL |
| With Zelle®, the money goes directly into your bank account. That means it's eas | | Zelle.com Website Privacy Notice |
| y to get paid back or send money to a friend. | | |
| Send money to friends and family quickly, even if they bank somewhere different | | E-Sign Disclosure and Consent > |
| than you doÂą. The money goes directly into their bank account, so you can focus | | |
| on what really counts – being there for the people you care about. | | |
| See if your bank or credit union offers Zelle® | | Website Privacy Notice > |
| Get Started | | Cookies and Tracking > |
| Ways to use Zelle® | | Site Terms of Use > |
| Split the cost for the late-night study break pizza. | | Subpoena Processing > |
| Pay your fave nail tech for an unforgettable manicure. | | Effective: September 4, 2025 |
| Get paid back for being the best “team Dad” this weekend. | | This Privacy Notice applies to visitors of our website, zelle.com. |
| Send your aunt money for a birthday shopping spree. | | Thank you for visiting zelle.com! We take your privacy seriously and we want you |
| | | to be fully informed about how you can be in control of your Personal Informati |
| | | on. |
| Digital Payment Education | | This Privacy Notice applies to our website, zelle.com (the “Website”). It descri |
| | | bes the Personal Information we collect, how it’s used and disclosed, and the ch |
| | | oices you can make. We strive for transparency but if anything remains unclear, |
| | | do not hesitate to contact us at the email address below with any questions or f |
| | | eedback you may have. |
| We’re here to empower you with knowledge on using Zelle® safely and avoiding com | | To make this Privacy Notice easy to find, we make it available in the footer sec |
| mon scams. Explore resources, test your knowledge and get new tips on how to kee | | tion of all zelle.com pages. You can also email zelleprivacy@earlywarning.com to |
| p your money safe in a digital world. | | request a copy by U.S. mail. |
| Learn More | | By using this Website, you expressly consent to our collection, use, disclosure, |
| | | and retention of your Personal Information as described in this Privacy Notice, |
| | | including future updates. In other words, please do not use this Website if you |
| | | do not agree with this Privacy Notice. |
| Tips for Safer Payments | | What do you want to learn more about? |
| Digital payments continue to grow across the U.S. And with issues like identity | | When this Privacy Notice applies |
| theft and other cybercrimes on the rise, it’s important to know what you can do | | |
| to help protect yourself. | | |
| Learn More | | What is Personal Information? |
| Understanding Fraud and Scams | | Personal Information we’ve collected, used, and/or disclosed |
| As a consumer or small business owner, it’s important to understand how fraud an | | How we collect Personal Information |
| d scams are defined because there may be differences in the protections offered | | |
| by your bank or credit union. | | |
| Learn More | | How we use Personal Information |
| PreviousNext | | Who we disclose Personal Information to |
| Learn more about Zelle® | | How we use cookies and similar tracking technologies |
| Visit Our Help Center | | Minors’ privacy |
| About Zelle® | | Your choices |
| Enrolling with Zelle® | | California Network Participants/Business partner (B2B) residents’ privacy rights |
| Using Zelle® | | Our data retention practices |
| Your Zelle® Profile | | Links to third party websites |
| Using Zelle® with a Small Business Account | | How we protect Personal Information |
| Disbursements with Zelle® | | Where Personal Information is stored |
| | | Changes to this Privacy Notice |
| | | How to contact us |
| | | Zelle.com Website Privacy Notice |
| | | When this Privacy Notice applies |
| | | This Privacy Notice applies to our website, zelle.com (the “Website”). |
| | | What is Personal Information? |
| | | For the purpose of this Privacy Notice, “Personal Information” means information |
| | | that identifies or can be used to identify you directly or indirectly. Examples |
| | | of Personal Information include, but are not limited to, first and last name, e |
| | | mail address, telephone number, IP address. |
| | | Personal Information does not include information obtained from public sources o |
| | | r information that is made available by federal, state, or local governments. Pe |
| | | rsonal Information also does not include deidentified, anonymized, or aggregate |
| | | information. |
| | | Personal Information we’ve collected, used, and/or disclosed |
| | | If you’ve visited our Website in the past 12 months, we may have collected, used |
| | | and/or disclosed the following categories of Personal Information about you for |
| | | a business purpose(s): |
| | | Categories of Personal Information we’ve collected in the last 12 months on the |
| | | Website:Examples of Personal Information that we collect:Categories of sources f |
| | | rom which Personal Information is collected:Business purpose(s) for collection, |
| | | use, and disclosure:Disclosed for business purpose(s) to the following categorie |
| | | s of third parties:Sold or shared to the following categories of third parties:L |
| | | ength of time Personal Information is intended to be retained: (unless subject t |
| | | o a legal hold) |
| | | Personal and online identifiers· Name, email address, IP address, unique online |
| | | identifiers· All categories listed below in Section 4· All purposes listed below |
| | | in Section 5· All categories listed below in Section 6· We do not sell data |
| | | · Website data may be shared with our service providers/third parties for cross- |
| | | context behavioral advertising (for 4a below) |
| | | · Up to 26 months for 4a below |
| | | · Up to 5 years (for Personal Information received from consumers via Zelle® sup |
| | | port forms on the Website) for 4b below |
| | | · Length of business/commercial relationship plus up to 10 years (for B2B Person |
| | | al Information received via a form on the Website to become a Network Financial |
| | | Institution or Service Provider) for 4b below |
| | | Certain identifying Personal Information· Address, telephone number· Directly fr |
| | | om you when you use a form on the Website to request assistance· All purposes li |
| | | sted below in Section 5· All categories listed below in Section 6· Not sold or s |
| | | hared with third parties· Up to 5 years (for Personal Information received from |
| | | consumers via Zelle® support forms on the Website) for 4b below |
| | | · Length of business/commercial relationship plus up to 10 years (for B2B Person |
| | | al Information received via a form on the Website to become a Network Financial |
| | | Institution or Service Provider) for 4b below |
| | | Transaction information· Reports of fraud/scams made through our Website by cons |
| | | umers using Zelle®· Directly from you, a consumer who uses Zelle®, when you use |
| | | a form on the Website to report a fraud/scam· All purposes listed below in Secti |
| | | on 5· All categories listed below in Section 6· Not sold or shared with third pa |
| | | rties· Up to 5 years (for Personal Information received from consumers via Zelle |
| | | ® support forms on the Website) for 4b below |
| | | Internet or other electronic network activity information· Browsing history, sea |
| | | rch history, interactions with our Website· Your device when you use the Website |
| | | · All purposes listed below in Section 5· All categories listed below in Section |
| | | 6· We do not sell data |
| | | · Website data may be shared with our service providers/third parties for cross- |
| | | context behavioral advertising (for 4a below) |
| | | · Up to 26 months for 4a below |
| | | How we collect Personal Information |
| | | We collect Personal Information when you use the Website, including: |
| | | a. From your device: We and our service providers/third parties collect technica |
| | | l data about your device (e.g., website usage data); and |
| | | b. Directly from you: We collect Personal Information that you give us if you su |
| | | bmit a form on our Website. |
| | | How we use Personal Information |
| | | When you visit our Website, we collect, use, and disclose Personal Information f |
| | | or the following business purposes: |
| | | a. to prevent, detect, and protect against security incidents, fraud, and prohib |
| | | ited or illegal activities; |
| | | b. to undertake activities to verify or maintain the quality or safety of our se |
| | | rvices; |
| | | c. to perform services (for us or our service providers/third parties) such as p |
| | | roviding customer service, cross-context behavioral advertising, and website ana |
| | | lytics; |
| | | d. for internal research for technological development, demonstration, and impro |
| | | vement; |
| | | e. for internal operations; |
| | | f. to enforce our terms and conditions; |
| | | g. to debug, identify, and repair errors that impair existing intended functiona |
| | | lity; |
| | | h. for business partner inquiries (B2B) made via our Website, to respond to your |
| | | requests, send you information about our products and services that we believe |
| | | you will find beneficial, and to comply with your stated communication preferenc |
| | | es; |
| | | i. to create, develop, operate, deliver, maintain, and improve our Website, incl |
| | | uding to enhance content and improve visitor experiences; |
| | | j. for legal compliance; |
| | | k. to respond to your requests and comply with your stated communication prefere |
| | | nces; |
| | | l. to provide you with a safe, efficient, and customized experience; and |
| | | m. to provide other services you request. |
| | | Who we disclose Personal Information to |
| | | We may disclose Personal Information with the following categories of third part |
| | | ies for the business purposes we described above in Section 5. |
| | | a. our Network Financial Institutions (e.g., if you report a fraud/ scam to us t |
| | | hrough our Website, we will disclose that information to the recipient’s bank or |
| | | credit union); |
| | | b. our service providers/ third parties (e.g., companies that help us operate ou |
| | | r Website, assist with cross-context behavioral advertising, provide website ana |
| | | lytics, provide customer service); |
| | | c. law enforcement, government agencies, and other authorized third parties (to |
| | | whom we may be required by law to disclose information); and |
| | | d. other entities with your consent. |
| | | In the past 12 months, we have not sold Personal Information from the Website. F |
| | | or purposes of this Privacy Notice, “sale” means the disclosure of Personal Info |
| | | rmation to a third party for monetary or other valuable consideration. |
| | | How we use cookies and similar tracking technologies |
| | | Like most websites, we and our service providers/ third parties (e.g., advertisi |
| | | ng networks, website analytics providers) use “cookies” and similar tracking tec |
| | | hnologies (e.g., pixels, web beacons) to gather information when you use our Web |
| | | site to improve the visitor experience. Some of these tracking technologies prov |
| | | ide basic functions of the Website, assess the Website’s performance, provide si |
| | | te functionality, and help us maintain the security of our Website. |
| | | We and some of our service providers/ third parties may also use online tracking |
| | | technologies for cross-context behavioral advertising, including to help manage |
| | | and display advertisements to you and to tailor advertisements to your interest |
| | | s. Our service providers/ third parties may use their technology to advertise pr |
| | | oducts and services tailored to your interests which may appear either on our We |
| | | bsite and/or on other websites/digital properties. |
| | | To the extent these online tracking technologies are deemed to be “sharing” (for |
| | | cross-context behavioral advertising, as defined by applicable U.S. state law), |
| | | you can opt-out of these online tracking technologies by using our Cookie Prefe |
| | | rence Center. Our Website also accepts Global Privacy Control (GPC) opt out pref |
| | | erence signals. |
| | | We use the following types of cookies on our Website: |
| | | Cookie TypeDescriptionIf disabled |
| | | Strictly Necessary CookiesThese cookies are needed to provide basic functions on |
| | | the Website. We may use cookies and tracking technologies required to prevent f |
| | | raudulent activity, improve security, and/or for system administration.N/A – The |
| | | se cookies are required to operate our Website. Without them, the Website could |
| | | not operate so they cannot be disabled. |
| | | Analytics and Performance-Related CookiesWe may use these cookies to assess the |
| | | performance of our Website, including as part of our analytic practices to impro |
| | | ve the services offered through the Website. These cookies may be used to preven |
| | | t fraudulent activity and improve security. |
| | | You may disable these cookies if you’d like. |
| | | Without these cookies, we can’t tell what content is most valued by our Website |
| | | visitors and we can’t tell how often unique visitors return to our Website, maki |
| | | ng it hard for us to know where we need to improve our content for visitors like |
| | | you. |
| | | Functionality-Related CookiesWe may use these cookies to tell us, for example, w |
| | | hether you have visited the Website before or if you are a new visitor and to he |
| | | lp us identify the features in which you may have the greatest interest. |
| | | You may disable these cookies if you’d like. |
| | | Without these cookies, we won’t be able to remember you from session to session |
| | | and some of the Website’s services may not function properly for you. |
| | | Cross-Context Behavioral Advertising Cookies/Tracking TechnologiesWe and our ser |
| | | vice providers/third parties may use these cookies/tracking technologies for cro |
| | | ss-context behavioral advertising to you on and off our Website and to measure t |
| | | he performance of such ads. |
| | | You may disable these cookies if you’d like. |
| | | Without these cookies, you won’t receive tailored content about our Company, pro |
| | | ducts, and services. |
| | | During some visits we may use software tools to measure and collect session info |
| | | rmation, including page response times, download errors, time spent on certain p |
| | | ages and page interaction information. |
| | | A few additional important things you should know about our use of tracking tech |
| | | nologies (e.g., cookies, HTML stored technologies): |
| | | We may offer certain features that are available only through the use of trackin |
| | | g technologies. |
| | | We use both persistent and temporary tracking technologies. Tracking technologie |
| | | s (e.g., cookies) can either be persistent (i.e., they remain on your computer u |
| | | ntil you delete them) or temporary (i.e., they last only until you close your br |
| | | owser). You are always free to decline tracking technologies if your browser per |
| | | mits, although doing so may interfere with your use of the Website. Refer to the |
| | | help section of your browser, browser extensions, or installed applications for |
| | | instructions on blocking, deleting, or disabling tracking technologies such as |
| | | cookies. |
| | | We use cookies and tracking technologies with your prior consent as obtained thr |
| | | ough your use of this Website. |
| | | You may encounter tracking technologies/cookies from our third-party service pro |
| | | viders that we have allowed on our Website and affiliated properties that assist |
| | | us with various aspects of our Website operations and services, such as Google |
| | | Analytics. For more information about the use of information collected by cookie |
| | | s and similar technology on our Website, please review Sections 3, 4, 5 and 6 of |
| | | this Privacy Notice. |
| | | How We Respond to Do Not Track Signals for California Residents: California Busi |
| | | ness & Professions Code Section 22575(b) (as amended effective January 1, 2014) |
| | | provides that California residents are entitled to know how we respond to "Do No |
| | | t Track" browser settings. Our Website accepts Global Privacy Control (GPC) opt |
| | | out preference signals. |
| | | To learn more about our use of cookies and similar technologies, click here to r |
| | | ead our full Cookies and Tracking Policy. |
| | | Minors’ privacy |
| | | Our Website is not intended for children under the age of 13. We do not knowingl |
| | | y solicit or collect information from individuals under the age of 13. Therefore |
| | | , we have no actual knowledge that we’ve shared (for cross-context behavioral ad |
| | | vertising) information about minors and we do not sell information that is colle |
| | | cted from our Website so therefore we have not sold information about minors. Fo |
| | | r information about the Children’s Online Privacy Protection Act (COPPA), visit |
| | | the FTC website: www.ftc.gov. |
| | | Your choices |
| | | Website CookiesTo change your cookie preferences/disable/opt-out of certain cook |
| | | ies (including cross-context behavioral advertising), visit our Cookie Preferenc |
| | | e Center. Please note, you may need to reset your preferences if you later visit |
| | | our Website from a different device or browser or if you clear your cookies. |
| | | Network Participants/Business Partners (B2B)If you’ve previously expressed inter |
| | | est in our products and services for your financial institution and you no longe |
| | | r wish to receive marketing communications from us, you can indicate your commun |
| | | ication preference within the direct communication from us (e.g., using the unsu |
| | | bscribe link in the email you receive from us) or by emailing marketing@earlywar |
| | | ning.com. Please allow us a reasonable period of time in order to satisfy your r |
| | | equest, as some communications may already be in process. |
| | | California Network Participants/ Business partner (B2B) residents’ privacy right |
| | | s |
| | | If you are a California resident and you’ve interacted with us on behalf of your |
| | | Network Participant/company/business (e.g., in a B2B commercial transaction, yo |
| | | u’ve expressed interest in our products/services for your financial institution, |
| | | you’ve expressed interest in becoming a service provider of EWS), the following |
| | | data privacy rights are available to you: |
| | | You have the right to...How? |
| | | Third party direct marketingRequest a list of what Personal Information (if any) |
| | | we’ve shared with third parties for their own direct marketing purposes in the |
| | | preceding calendar year and the names and addresses of those third parties.We do |
| | | not share Personal Information with third parties for their own direct marketin |
| | | g purposes. Therefore, we have not shared Personal Information with third partie |
| | | s for direct marketing purposes within the last 12 months. |
| | | Be informedKnow the categories and specific pieces of Personal Information we co |
| | | llected about you, our business purposes for collecting Personal Information, th |
| | | e categories of sources that we’ve collected Personal Information from, the cate |
| | | gories of third parties that we’ve disclosed Personal Information to, whether we |
| | | ’ve sold or shared Personal Information to a third party in the preceding 12 mon |
| | | ths, and the categories of third parties with which we’ve sold or shared Persona |
| | | l Information.Review this Privacy Notice in its entirety to learn more about the |
| | | Personal Information we collect, why we collect Personal Information, the sourc |
| | | es from which we collect Personal Information from, and who we may disclose Pers |
| | | onal Information to. |
| | | California Network Participants/Business Partners (B2B) |
| | | Send an email to zelleprivacy@earlywarning.com with “California Network Particip |
| | | ants/Business Partner (B2B) Data Privacy Rights Request” in the subject line. In |
| | | the body of the email, please include: |
| | | Your first name |
| | | Your last name |
| | | The name of your financial institution/business/company |
| | | Your business email address or business telephone number |
| | | Your California address |
| | | Your business relationship with us (business partner/financial institution or se |
| | | rvice provider) |
| | | Your request (access, correct, or delete personal information) |
| | | Notes: |
| | | In the past 12 months, we have not sold Personal Information from the Website. F |
| | | or purposes of this Privacy Notice, “sale” means the disclosure of Personal Info |
| | | rmation to a third-party for monetary or other valuable consideration. |
| | | To the extent required by, and in accordance with applicable law, we will use co |
| | | mmercially reasonable efforts to correct your Personal Information as directed b |
| | | y you, considering the nature and the purposes of maintaining your Personal Info |
| | | rmation. Under certain circumstances, we may not be able to correct your informa |
| | | tion because we have a legal obligation or other reason in which we must retain |
| | | it in its current state (e.g., the nature of the data, the source of the data, t |
| | | o comply with law). |
| | | Under certain circumstances, we may not be able to delete your information becau |
| | | se we have a legal obligation or other reason that we must retain it. |
| | | Correct inaccurate dataRequest that we correct inaccurate Personal Information t |
| | | hat we maintain about you. |
| | | Delete dataRequest that we delete your Personal Information. |
| | | Access dataAccess your Personal Information that we’ve collected about you in th |
| | | e preceding 12 months following your request. |
| | | Limit dataLimit the use of sensitive Personal Information.Our Website does not c |
| | | ollect sensitive Personal Information. |
| | | Opt outOpt out of the sale or sharing of your Personal Information.As stated abo |
| | | ve, we do not sell Personal Information that we’ve collected from the Website wi |
| | | th third parties. |
| | | Our Website accepts Global Privacy Control (GPC) opt out preference signals. You |
| | | may also opt out of the sharing of your Personal Information (for cross-context |
| | | behavioral advertising, as defined by applicable U.S. state law), by using our |
| | | Cookie Preferences. |
| | | Free from discriminationBe free from discrimination for exercising your privacy |
| | | rightsWe will not discriminate against you for exercising your choices and right |
| | | s. |
| | | Please note the above-listed rights are subject to certain exceptions. For insta |
| | | nce, we cannot disclose or permit access to specific pieces of Personal Informat |
| | | ion if the disclosure or access would present a certain level of risk to the sec |
| | | urity of the Personal Information, your account with us or the security of our s |
| | | ystems or networks. We may decline your request if we cannot verify your identit |
| | | y or confirm the Personal Information that we maintain belongs to you. If we can |
| | | not honor your request, we will let you know. |
| | | Upon receipt of your “California Network Participants/ Business Partner (B2B) Da |
| | | ta Privacy Rights Request” email, we will acknowledge receipt of your request an |
| | | d let you know how long we expect it will take us to complete your request (typi |
| | | cally 45 days or less for most requests). |
| | | When you make a request, we will attempt to verify that you are who you say you |
| | | are. For example, we will attempt to match information that you provide in makin |
| | | g your request with information that we have on file. We may need to request add |
| | | itional information from you to verify your identity or to understand the scope |
| | | of your request, although you will not be required to create an account with us |
| | | to submit a request or have it fulfilled. |
| | | You may designate an authorized agent to make a request on your behalf. Your aut |
| | | horized agent will be required to produce a signed authorization from you and ad |
| | | ditional identity verification may be required. Authorized agent requests may be |
| | | made by sending an email to zelleprivacy@earlywarning.com. |
| | | Our data retention practices |
| | | We generally retain information collected on our Website for as long as it is ne |
| | | cessary and relevant for our business operations and to comply with applicable l |
| | | aw. See Section 3 for more information. |
| | | Links to third party websites |
| | | Our Website may contain links to other third-party websites, such as our Network |
| | | Financial Institutions and regulatory bodies such as the Federal Trade Commissi |
| | | on (FTC) and the Consumer Financial Protection Bureau (CFPB). When you leave our |
| | | Website and visit those websites, you are bound by the privacy notices of those |
| | | websites. We are not responsible for the privacy practices of these third-party |
| | | websites, which are governed by their own privacy notices and practices. |
| | | How we protect Personal Information |
| | | To help us protect your Personal Information, we maintain technical, physical, a |
| | | nd administrative security measures to protect against loss, misuse, unauthorize |
| | | d access, disclosure, or alteration. Some of the safeguards we use are firewalls |
| | | , data encryption, physical access controls to our data centers and information |
| | | access authorization controls. |
| | | Where Personal Information is stored |
| | | We are located in the United States. Our services are available for eligible Uni |
| | | ted States users only. Our operations use a network of computers, cloud-based se |
| | | rvices, and other infrastructure and information technology that are based in th |
| | | e United States. Additionally, we may use service providers/ third parties that |
| | | may process and/or store your Personal Information in the United States, the Eur |
| | | opean Union, and in other countries. |
| | | Changes to this Privacy Notice |
| | | From time to time, we may update this Privacy Notice. We may notify you about ma |
| | | terial changes in the way we treat Personal Information by placing a notice on t |
| | | he Website. You should check the Website frequently for updates. |
| | | How to contact us |
| | | If your questions are not answered in this Privacy Notice, you may email us at z |
| | | elleprivacy@earlywarning.com, or write to us at Early Warning Services, LLC., At |
| | | tn: Privacy Office, 5801 N Pima Rd, Scottsdale, AZ 85250. |
| 1 Zelle® is available in over 2,300 banking and credit union apps. To send or re | | 1 Zelle® is available in over 2,300 banking and credit union apps. To send or re |
| ceive money with Zelle®, both parties must have an eligible checking or savings | | ceive money with Zelle®, both parties must have an eligible checking or savings |
| account. Transactions sent to enrolled users typically occur within minutes. Che | | account. Transactions sent to enrolled users typically occur within minutes. Che |
| ck with your financial institution. | | ck with your financial institution. |
| 2 Based on a Q4 2024 survey of financial institutions offering Zelle® to their c | | 2 Based on a Q4 2024 survey of financial institutions offering Zelle® to their c |
| ustomers, 99.36% of consumer saving and checking accounts linked to Zelle® do no | | ustomers, 99.36% of consumer saving and checking accounts linked to Zelle® do no |
| t charge a fee to send, receive, or request money. | | t charge a fee to send, receive, or request money. |
| 3 For more information about Zelle® Tag, see here. | | 3 For more information about Zelle® Tag, see here. |