Zelle Privacy Policy

This is Zelle's privacy policy for the zelle.com website, explaining what personal data — including your name, email, IP address, browsing history, and any fraud reports you submit — Zelle collects when you visit the site and how it is used. The most important thing to know is that Zelle shares your browsing behavior and online identifiers with advertising partners to show you targeted ads across the internet, even though they state they do not 'sell' your data. You can opt out of behavioral advertising cookies by using the Cookie Preference Center linked in the policy footer, or by enabling the Global Privacy Control (GPC) signal in your browser.

This document is the Zelle.com Website Privacy Notice, effective September 4, 2025, governing the collection, use, and disclosure of Personal Information from visitors to the zelle.com marketing and informational website (not the Zelle payment service itself), with consent as the stated legal basis established through continued site use. The most significant obligation created is Zelle's (operated by Early Warning Services, LLC) disclosure of visitor data — including browsing history, IP addresses, and fraud reports — to Network Financial Institutions, service providers, and third parties for cross-context behavioral advertising, analytics, and legal compliance. Notably, the policy claims not to 'sell' data but explicitly acknowledges sharing online identifiers and internet activity data with third parties for cross-context behavioral advertising, a distinction that may be legally insufficient under CCPA as amended by CPRA, which treats such sharing as equivalent to a sale. The policy engages CCPA/CPRA (Cal. Civ. Code §1798.100 et seq.), COPPA (15 U.S.C. §6501), California Business & Professions Code §22575(b) (Do Not Track), and the FTC Act Section 5; material compliance considerations include the scope limitation to B2B/California residents for CCPA rights requests — effectively excluding ordinary website visitors — and retention periods extending up to 10 years for B2B data, which may attract scrutiny under data minimization principles.