Zelle and its advertising partners use tracking technologies to build a profile of your interests and show you targeted ads on the Zelle website and on other websites you visit.
This analysis describes what Zelle's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision means your browsing activity on zelle.com, including pages you visit and interactions you have, can follow you to other websites in the form of targeted advertisements.
Zelle's website now operates under a binding privacy notice that requires you to expressly consent to the collection, use, disclosure, and retention of your personal information as a condition of visiting the site. The policy states that by using the website, you consent to these practices, and you should not use the site if you disagree. This represents a shift from marketing content to enforceable legal terms that govern what data is collected from website visitors and how it may be used. You can review the full privacy notice in the footer of zelle.com pages or request a copy via email at zelleprivacy@earlywarning.com to understand what specific data practices apply to your visit.
View change record →Personal identifiers and internet activity data collected on zelle.com are shared with advertising service providers and third-party networks and may be used to target you with ads across the broader web, with the underlying data retained for up to 26 months.
How other platforms handle this
We collect your personal data when you use our Services, create a new eBay account, provide us with information via a web form, add or update information in your eBay account, participate in online community discussions or otherwise interact with us.
At Ledger, earning and maintaining our users' trust is a top priority. That's why we are deeply committed not only to protecting your privacy and securing your personal data, but also to being fully transparent about how we handle it.
If you are located in the European Economic Area, Switzerland, or the United Kingdom, you have the right to access, correct, or erase your personal data; the right to restrict or object to our processing of your personal data; the right to data portability; and, where our processing is based on your...
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"We and 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 interests. Our service providers/ third parties may use their technology to advertise products and services tailored to your interests which may appear either on our Website and/or on other websites/digital properties.— Excerpt from Zelle's Zelle Privacy Policy
REGULATORY LANDSCAPE: This provision directly implicates CPRA's definition of 'sharing' personal information for cross-context behavioral advertising, which triggers opt-out rights equivalent to those for sales of personal information. The California Privacy Protection Agency is the primary enforcement authority for CPRA. The provision also engages the FTC Act with respect to transparency and notice adequacy for behavioral advertising practices. GOVERNANCE EXPOSURE: High. The sharing of personal identifiers and browsing data with advertising networks for cross-context behavioral advertising is one of the most actively enforced areas under CPRA. The document acknowledges this by providing opt-out mechanisms, but compliance teams should verify that the technical implementation of opt-out signals, including GPC, is functioning correctly and that downstream sharing with advertising partners is actually suspended upon opt-out. JURISDICTION FLAGS: California residents have an explicit opt-out right under CPRA. Other U.S. states with comprehensive privacy laws, including Colorado, Connecticut, Virginia, and Texas, have similar opt-out rights for targeted advertising that may apply to Zelle website visitors from those states. The 26-month retention period for advertising data should be evaluated against state data minimization requirements. CONTRACT AND VENDOR IMPLICATIONS: Service provider agreements with advertising networks and analytics providers should include data processing terms that restrict use of shared data to the disclosed purposes and require cessation of processing upon receipt of valid opt-out signals. Procurement teams should audit whether current vendor contracts reflect the limitations implied by the notice's opt-out commitments. COMPLIANCE CONSIDERATIONS: A technical audit of the Cookie Preference Center and GPC signal recognition should be conducted to confirm opt-out requests result in actual cessation of behavioral advertising data sharing. Data maps should document the specific third-party advertising networks receiving personal identifiers and browsing data, the categories of data shared, and the contractual restrictions governing their use.
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This provision means your browsing activity on zelle.com, including pages you visit and interactions you have, can follow you to other websites in the form of targeted advertisements.
Personal identifiers and internet activity data collected on zelle.com are shared with advertising service providers and third-party networks and may be used to target you with ads across the broader web, with the underlying data retained for up to 26 months.
ConductAtlas has identified this type of provision across 2 platforms. See the full comparison.
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