Zelle states that the website is not for children under 13 and that it does not intentionally collect or share data from that age group.
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 establishes Zelle's COPPA compliance posture, but the 'do not knowingly' standard means that if a child under 13 visits the site, data may still be collected unless the site has active age-verification or screening mechanisms in place.
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 →Parents should be aware that the site does not have active age-verification controls disclosed in this notice; the protection relies on Zelle not knowingly targeting children, rather than on technical barriers preventing data collection from minors.
How other platforms handle this
To access and use the Services, you must be at least the age of majority in the state, province, or territory where you live or at least 18 years of age. If you are under the age of 13, you may not use the Services and you should not be visiting the Sites or using the Services.
enableGpcSdk: true, gpcSetting: { privacyPolicyLink: '/Privacy-Security-Policy-a-282.html' }
We process Global Privacy Control signals as opt-out requests for the sale or sharing of personal information.
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"Our Website is not intended for children under the age of 13. We do not knowingly 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 advertising) information about minors and we do not sell information that is collected from our Website so therefore we have not sold information about minors.— Excerpt from Zelle's Zelle Privacy Policy
REGULATORY LANDSCAPE: This provision directly implicates the Children's Online Privacy Protection Act, which requires verifiable parental consent before collecting personal information from children under 13. The FTC is the primary enforcement authority for COPPA. The document's reference to the FTC website for COPPA information is consistent with standard disclosure practice. GOVERNANCE EXPOSURE: Low. The site's nature as a payment service information and marketing website, rather than a platform designed to attract children, reduces COPPA exposure. The 'do not knowingly' standard is the COPPA threshold, and the document's explicit statement that the site is not intended for children under 13 provides a baseline compliance posture. However, the absence of any disclosed age-screening mechanism is a standard industry limitation that regulators have noted in enforcement contexts. JURISDICTION FLAGS: Some states, including California under CPRA's provisions for consumers under 16, impose additional protections beyond COPPA. CPRA prohibits the sale or sharing of personal information of consumers under 16 without opt-in consent. The document addresses this by asserting no sale of data and claiming no actual knowledge of sharing minors' data for advertising. CONTRACT AND VENDOR IMPLICATIONS: Advertising network agreements should include representations that the networks will not use data collected on zelle.com for targeting minors, and that the networks have their own COPPA-compliant data handling practices. COMPLIANCE CONSIDERATIONS: Legal teams should assess whether the absence of age-verification or age-screening mechanisms creates residual COPPA exposure, and whether the advertising technologies deployed on the site have any capability to infer or target age-based audiences that could inadvertently capture minors.
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This provision establishes Zelle's COPPA compliance posture, but the 'do not knowingly' standard means that if a child under 13 visits the site, data may still be collected unless the site has active age-verification or screening mechanisms in place.
Parents should be aware that the site does not have active age-verification controls disclosed in this notice; the protection relies on Zelle not knowingly targeting children, rather than on technical barriers preventing data collection from minors.
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