Document effective 1 January, 2019
We collect nonpublic personal information you provide to us when you apply for a Zenus account or when you communicate with us about your Zenus account. The types of information we may collect include your name, address, phone number, email address, date of birth, bank account information, social security number, username, password, and any other information you choose to provide.
As you use your Zenus account to perform financial transactions, we collect nonpublic personal information in connection with each transaction, including transaction time, dollar amount and merchant details. We may also collect photos, memos or other information that you attach to your transactions.
When you create a Zenus account, we may collect information, including nonpublic personal information, about you from nonaffiliated third party service providers in order to verify your identity, for fraud prevention, including your prior addresses and names, and to verify your eligibility for products and services.
We may also collect other information from you that is not connected with a Zenus account as follows:
We may collect information you provide to us, such as your name, email address and any other information you choose to provide. For example, we may collect such information if you request an invite to join Zenus or if you enter into any contest or promotion.
When you access or use our Services, we automatically collect information about you as follows:
We may use your information, including nonpublic personal information as follows:
Zenus is based in the Commonwealth of Puerto Rico and the information we collect is governed by U.S. law. By accessing or using the Services or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries.
We may disclose any information we collect about current and former customers, including nonpublic personal information, to affiliates and non-affiliated third parties as follows:
(1) With financial service providers, including the financial institutions identified in your cardholder bank agreement that provide banking services in connection with your Zenus account;
(2) With another user, when you sign up for Zenus’ services via a referral link. The user that referred you may receive information indicating that you have enrolled with Zenus. You may avoid this sharing by not using a referral link to enroll;
(3) With another user, when you sign up for a Zenus Shared Account with that user;
(4) With non-financial companies, such as email service providers that perform marketing services on our behalf, and fraud prevention service providers that use the information to provide services to Zenus and other companies;
(6) With other nonaffiliated companies for our everyday business purposes, such as to process transactions, maintain accounts, respond to court orders and legal investigations or report to credit bureaus. For example, in connection with our everyday business purposes, we may share information about you as follows:
We may also share aggregated or de-identified Information, which cannot reasonably be used to identify you. For example, we may share transaction zip codes and merchant names with third parties to improve our accuracy in geo-locating transactions and to improve the clarity of transaction descriptions.
You may edit your account profile information by logging into your account via our Services. If you wish to delete or deactivate your online account, please contact us, but note that we may retain certain information as required by law or for legitimate business purposes.
You may opt out of receiving promotional emails and text messages from Zenus by following the instructions in those messages. Please note that if you opt out, we may still send you transactional or relationship messages, such as those about your account or our ongoing business relations.
If you initially consent to the collection of precise location information by Zenus or Google Maps within our mobile application, you may be able to subsequently stop this collection through your device operating system settings or through your online account settings. If either of these opt-out options are not available to you, you may also disable collection of this location information by following the standard uninstall process to remove our mobile application from your device.
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services.
Our Services include social sharing features for common social networks to let users share content. These features are served from third-party services that may serve their own cookies. The use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features.
Zenus takes reasonable measures to help protect all information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. Additionally, Zenus implements policies designed to protect the confidentiality and security of your nonpublic personal information, including a privacy protection policy for Social Security numbers. Zenus limits access to your nonpublic personal information to employees that have a business reason to know such information, and implements security practices and procedures designed to protect the confidentiality and security of such information and prohibit unlawful disclosure of such information in accordance with its policies.
Zenus Bank International Inc
San Juan, PR, 00901, USA