This Policy shows our commitment to protect your privacy rights and sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. This privacy policy applies to all information we collect through our web and mobile applications from current and former Zenz users, including you. When you are no longer our customer, we continue to share your information as described in this policy. Please read the following carefully as this policy is legally binding when you use our Services. Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person.

You may provide some information when you visit the website or use one of our mobile applications, we collect your IP address, and standard web log information by using cookies when you visit our website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our Service.

• Account Information - text-enabled cellular/wireless telephone number, machine or mobile device ID and other similar information.
• Identification Information (eg. your name, street address, email address, DOB).
• Information obtained from mobile device with your consent - information about you: (a) from your mobile device such as your device type, machine or mobile device identification number, location, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes.
• Your banking information and financial details
• Details of interactions with us (e.g. images, voice recordings, personal opinions)
• Information obtained from mobile device with your consent (e.g. location information)

We are committed to providing a safe, secure and all around great Service. Therefore, before permitting you to use our Service, we may require additional information from you we can use to verify your identity, address or other information or to manage risk and compliance throughout our relationship. We may also obtain information about you from third parties such as identity verification, fraud prevention and similar services.

We do not knowingly solicit or collect information from any individuals under the age of 16.

We use information we collect about you to create more personalised and unique experiences just for you. When you trust us with your data, it’s only right that you understand how we may use it.

We will not disclose your personal data to anyone except as described in this notice. We may share your personal information with third parties to provide you with the products we offer, including service providers, credit reference agencies and financial institutions. We may also share your personal information with third parties to prevent crime and reduce risk, if required to do so by law, where we deem it appropriate to do so, to respond to legal process or to protect the rights or property of Zenz, our customers or others.

We collect data about how you interact with our website through the use of cookies. Our website uses cookies to distinguish you from other users of our website. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive. You can find out more information about cookies at www.allaboutcookies.org. We use cookies to enhance the online experience of our visitors and to better understand how our Site is used. Cookies may tell us, for example, whether you have visited our site before or whether you are a new visitor. They can also help to ensure that adverts you see online are more relevant to you and your interests. When you browse the Site, we automatically receive your computer’s internet protocol (IP) address. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

We store and process your personal information using third party servers located in data centres in the United Kingdom. The information that we collect from you may be transferred to, stored at and processed by recipients located in destinations outside the European Economic Area ("EEA"). These countries may have data protection standards that are different to (and, in some cases, lower than) those in which you reside. We will take all steps necessary to ensure that the recipients will use and protect your information in the same secure way that we do. If we have given you (or if you have chosen) a password, access code or any other secure means or access or authentication which enables you to access certain parts of our site, you are responsible for keeping this password confidential and complying with our instructions. You must not share credentials with anyone else, and you authorise Zenz to act upon instructions and information from any person that enters your credentials. The transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site, unless you are communicating with us through a secure channel that we have provided. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

You may request under data protection legislation, including the right to access, correct, update or delete your personal information; object to or restrict its processing; request to transfer certain of your personal information to another service provider (so called, data portability); or to revoke any consent you have given. The GDPR provides relevant individuals with additional rights including the right to obtain information on how Zenz process your personal data, receive certain information provided in an electronic format and/or request that these be transmitted to a third party, request for your information to be erased, object or restrict the use or processing of your information in some circumstances. Please contact us (please see the “How to contact us” section below) for details on how you may request access or correction to, or exercise your rights with respect to the processing of your personal data.

YAutomated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, we use automated decisions to complete a credit assessment on you when you apply to financial services of Zenz, or to carry out anti-fraud checks on the transactions you perform. However, if you are in the European Union, you have the right to object the automated decision and have it manually reviewed based also on information that you can provide. You can contact us at the details below to exercise your right.

We may amend this policy from time to time to ensure that this policy is consistent with any developments to the way Zenz uses your personal data or any changes to the laws and regulations applicable to Zenz.Any changes we may make to our privacy notice in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy notice.

All comments, queries or to provide any feedback that you may have or any requests relating to our use of your information are welcomed. If you wish to exercise any of your rights or receive further information as to the applicable Zenz to which this notice applies, you should write to us, marked FAO Privacy Department.