ZipLine Privacy Statement
About National Payment Card Association dba ZipLine (NPCA)
Merchants who work with Trusted Debit LLC (“CanPay”) receive payment settlement services from ZipLine (NPCA), a payment settlement network that uses the Federal Reserve Automated Clearing House (ACH) system (the “Services”). Zipline (NPCA) is a separate company from CanPay, and therefore CanPay is not responsible for Zipline (NPCA)’s obligations to any party, and Zipline (NPCA) is not responsible for CanPay’s obligations to any party.
Information we collect
In order to properly operate the Payment Card services, it is necessary to provide ZipLine (NPCA) with certain information about yourself and your checking account. The requested information includes, but may not be limited to your name, address, email address, driver’s license number, government-issued ID number, loyalty card number, and checking account information.
Updating account information
ZipLine (NPCA) will not modify your information without your permission, except in the case of correcting an obvious error (such as your zip code). You are responsible for keeping your financial account information with the enrolled bank account up to date. You may update or correct your information at myzipline.biz/canpay or the “Manage” account link on www.CanPayDebit.com.
Information we may disclose
ZipLine (NPCA) may disclose to CanPay, and the participating merchant(s) with which you transact business using the Services any information regarding your use of ZipLine’s (NPCA) Services at the particular merchant(s)’ location(s), and to other entities as permitted or required by law, including companies that perform marketing services for us, CanPay, or said merchants or with whom we have joint marketing agreements. These agreements allow us, CanPay, and our participating merchants to extend the value of your membership or provide you with additional benefits. Information will normally be limited to name, address and/or email address and purchase history.
At ZipLine (NPCA), maintaining your trust and confidence is our top priority. We do not sell or rent non-public personal information about our members or former members. Other than sharing information with CanPay and participating merchants for the purposes of your use of the Services at the merchant(s)’ location(s), or as required or permitted by law, we do not share non-public personal information about our members or former members with non-affiliated third parties. We carefully manage and safeguard information among our companies and affiliates.
We restrict access to your non-public information to participating merchants, CanPay, and those employees or affiliates who need such information in order to provide products, customer or collection services. In compliance with federal regulations, we maintain physical, electronic, and procedural safeguards designed to guard and prevent misuse of your non-public personal information.
Use of driver license information
By applying for membership to ZipLine (NPCA) and enrolling your driver’s license information, you have voluntarily provided certain personal information in order to participate in this program. No information will be taken from your driver’s license’s magnetic stripe at participating merchants to create a database. Your driver’s license will be used only to verify your identity as a participant in the program.
Notification of changes
Customer service correspondence
If you send us correspondence, including e-mails and faxes, we retain such information electronically in the records of your account. We will also electronically retain customer service correspondence and other correspondence from ZipLine (NPCA) to you. We retain these records in order to measure and improve our customer service and to investigate potential fraud and violations. We may, over time, delete these records as permitted by law.
Email: Customer Service <firstname.lastname@example.org>
You may also write to us at:
National Payment Card Association
Attn: Customer Service
4171 W. Hillsboro Blvd. Suite 5
Coconut Creek, FL 33073
The foregoing policy was last updated to apply to the CanPay program on 08/03/2016.
- HOW WE COLLECT INFORMATION ABOUT YOU
2.2 When you visit our site and use our Service, we may automatically collect information sent to us by your computer, mobile phone, or other device. This information may include your IP address, device information (including, but not limited to, identifier, name and type, operating system, mobile network information), standard web log information, such as your browser type, and the pages you access on our site.
2.3 When you use a location-enabled device with our Service, we may collect geographical location data or use various means to determine your location, such as sensor data from your device that may, for instance, provide data on nearby cell towers and Wi-Fi access spots.
2.4 We may log information using “cookies.” Cookies are small data files stored on your hard drive by a website. Cookies help us make our site and Service and your use of them better by allowing us to recognize your browser and capture and remember certain information.
- REGARDING CHILDREN’S PRIVACY
- HOW WE USE YOUR PERSONAL INFORMATION
- HOW WE SAFEGUARD YOUR PERSONAL INFORMATION
5.2 We store and process your personal and transactional information on our servers in the United States and elsewhere in the world where we, our affiliates, our partners, providers or vendors are located, and we protect that information by maintaining physical, electronic, and procedural safeguards, incorporating tested security technologies, in compliance with applicable laws. We may use network safeguards such as firewalls and data encryption, enforce physical access controls, and authorize access to personal information only for those people who require access to fulfill their job responsibilities. Those with access to your personal information are carefully screened, periodically reevaluated, and are required to keep all member personal information confidential. Security risks exist and no organization can genuinely promise you otherwise. Bad actors may defeat even the most carefully considered and implemented safeguards.
5.3 We store personal information securely and will retain that information for as long as necessary to maintain the Service, comply with our legal obligations and/or resolve disputes.
- SHARING YOUR PERSONAL INFORMATION
6.2 We may use and share your personal information as follows:
- With your consent;
- To comply with applicable laws;
- To respond to governmental requests and legal process;
- To protect our rights, the rights of our affiliates, partners or vendors, the rights of other members, or others. This includes, without limitation, disclosures we may need to make to enforce our agreements, terms and policies;
- In an emergency. This includes protecting the safety of our employees and agents, our members, or others;
- To certain employees, affiliates and vendors when necessary for their roles;
- To third parties where your anonymized information will be aggregated with other anonymized information that we have about our other customers to create reports that would help us and third parties understand the behavior of our customers in the aggregate; and
- If applicable, with entities that we may merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this Policy with respect to your personal information and will provide you with notice of any material changes).
- MARKETING COMMUNICATIONS
- CONTACT INFORMATION
Trusted Debit LLC (“CanPay”)
5856 S Lowell Blvd., Unit #32-129
Littleton, CO 80123
The foregoing CanPay Privacy Statement was last updated on 08/03/2016.
CanPay Electronic Communications Delivery Policy
This policy describes how Trusted Debit LLC (“CanPay”) delivers communications to you electronically. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it.
Electronic Delivery of Communications
You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, “Communications”) that we provide in connection with your CanPay account (“Account”) and your use of CanPay’s services. Communications include:
- annual disclosures and other disclosures relating to your Account;
- transaction receipts or confirmations;
- Account statements and history and any other Account or transaction information; and
- federal and state tax statements we are required to make available to you, if applicable.
Communications shall be deemed to be received by you upon delivery in the following manner: (a) posting them to your Account on the CanPay website or in an associated mobile application; (b) posting them on or in a website or mobile application associated with CanPay or the services; or (c) sending them via electronic mail to the email address you used to create your Account.
Hardware and Software Requirements
In order to access and retain electronic Communications, you will need the following computer hardware and software:
- a computer or mobile device with Internet or mobile connectivity;
- a current web browser that includes 128-bit encryption (e.g. Internet Explorer version 6.0 and above, Firefox version 2.0 and above, Chrome version 3.0 and above, or Safari 3.0 and above) with cookies enabled;
- the appropriate mobile application, in the case of Communications delivered through such application;
- Adobe Acrobat Reader version 8.0 or other software capable of opening documents in .pdf format;
- sufficient storage space to save past Communications or an installed printer to print them; and
- a valid email address (your primary email address on file with CanPay).
By giving your consent to this policy, you confirm that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records.
Requesting Paper Copies of Electronic Communications and Withdrawing Consent
The following additional terms will apply to electronic Communications: (a) you may contact CanPay to request another electronic copy of the electronic Communication without a fee; (b) you may request a paper copy of such electronic Communication within ninety days of the original Communication issuance date, and CanPay reserves the right to charge a fee to provide such paper copy; (c) you may contact CanPay to update your registration information used for electronic Communications or to withdraw consent to receive electronic Communications; and (d) CanPay reserves the right to terminate your use of the Services and any associated third party provider products and services if you decline or withdraw consent to receive electronic Communications. You may contact CanPay in relation to this policy by using the information available by clicking the “Contact Us” link on the CanPay website.
It is your responsibility to keep your primary email address up to date so that CanPay can communicate with you electronically. You understand and agree that if CanPay sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, CanPay will be deemed to have provided the Communication to you.
The foregoing CanPay Electronic Communications Delivery Policy was last updated to apply to the CanPay program on 08/03/2016.
For more information, please contact us online, or:
5856 S. Lowell Blvd., Unit# 32-129
Littleton, CO 80123