This Privacy Policy (“Policy”) describes how National Payment Card Association dba ZipLine (“ZipLine,” “we,” or “us”), a PDI Technologies company, treats personal information we collect about you through our websites, applications, and platforms where the Policy is located (the “Platform”).
Please note that this Policy applies only to ZipLine enrollment data as described here. It does not apply to other loyalty program data or personal information that you have provided to one of our customers or a third party. For more information on how our customers (including those who operate a payment program in which you are participating) (the “Customer”) may treat the personal information that you provide to them, please review the respective Customer’s privacy policy.
This Platform is operated in the United States and intended for use by individuals who are located in the United States. By using our Platform or by choosing to give us personal information, you signify your consent to this Privacy Policy. If you do not agree with any terms of this Privacy Policy, please do not use the Platform, and do not give us any personal information.
If you are a resident of California, click here to view our California Privacy Notice.
TYPES OF PERSONAL INFORMATION WE COLLECT
ZipLine collects personal information from you and about you. Here are some examples of the personal information we may collect:
Identifying Information. For example, we may collect your name, address, unique personal identifiers, online identifiers, telephone number and email address. We may also collect your mobile phone number.
Account Information. If you create an account on our Platform, we may collect your account log-in, password, and loyalty account number. We will also collect your date of birth, driver’s license number, and last four digits of your Social Security number.
Financial Account Information. When you choose to link an account, we, through our vendor, will collect information necessary to link your financial account to your ZipLine account. This will include, at least, your financial account number.
Commercial Information. We may collect personal information that could identify you and relates to the services in which you are interested or have considered. We may also collect personal information about your consuming history or tendencies.
Transaction Information. When may collect information relating to transactions through your linked card. This may include the location and amount of a transaction.
Information You Post or Submit. We may collect personal information that you submit when you contact our customer service team.
Demographic Information. We may collect demographic information such as your birthdate, age, and zip/postal code. We may also collect your race and gender.
Device Information. For example, we may collect the type of device you use to access our Platform. We may also collect your browser information, device identifier, IP address or operating system type.
Usage Information. For example, we may collect information about how you use our products or services. This includes collecting information about your interactions with the Platform.
Location Information. For example, we may collect information about the city or state where you are located. We may also collect geographic information based on your IP address. When you use the mobile application, we may also collect your precise location, including through GPS.
Internet Information. If you use our website, we may collect information about the browser you are using or your browsing or search history. We might look at what site you came from, or what site you visit when you leave us. We may also collect information about how you interact with an advertisement.
HOW WE COLLECT YOUR PERSONAL INFORMATION
ZipLine collects your personal information in different ways. Below are some examples of how we may collect your personal information.
Directly From You. For example, when you:
Register for an account.
Link a financial account.
Complete a transaction with your linked card.
Request information about our services.
Sign up to receive promotional communications or a newsletter.
Complete a survey.
Submit information to, or through, our Platform.
Submit a request to, or engage with, our customer service team.
Interact with our social media pages.
Apply for a job through our Platform.
Otherwise interact with us.
Passively. For example, when you visit and navigate our Platform on any device. We may also collect information about users over time and across different websites and devices when you use the Platform.
From Third Parties. We may receive personal information about you from other sources. For example, this may include receiving personal information from:
Our business partners, including online advertising networks, analytics vendors, enrollment and validation vendors, and third parties that promote our products via their own platforms.
Our customers.
Social media sites or job posting sites, including Facebook, Twitter, Snapchat, TikTok, LinkedIn, Pinterest, Glassdoor, YouTube and Instagram.
HOW WE USE YOUR PERSONAL INFORMATION
Examples of how we may use your personal information include:
To Provide Our Products and Services. This could include fulfilling your requests for products and services. It also includes using your information to process transactions linked to your account and to provide you with rewards.
To Improve Our Products and Services. We may use your personal information to make our Platform, products and services better. We may also use your personal information to customize your experience with us.
To Understand Your Interests. For example, we may use your personal information to better understand what interests you.
To Respond to Your Requests or Questions. This may include responding to your feedback or notifying you if you win a promotion.
To Communicate With You. We may communicate with you about your account or our relationship. We may also contact you about this Policy or our Platform terms and conditions.
To Determine Your Eligibility. We may use your personal information to verify your identity or determine your eligibility for some of our services or promotions. For example, this may include verifying your age, date of birth and state of residence.
For Marketing Purposes. We may provide you with information about new products and special offers. We might use your personal information to serve you ads about our offers. These might be offers or communications on behalf of our customers that we think may be relevant to you. We may also use your personal information to send you electronic communications, including through email or text message. For more information about your choices related to these communications, see the Choices Regarding Your Information section below.
For Security Purposes. This could include protecting our company and consumers who use our services. It may also include protecting our Platform or investigating a potential fraud.
As Otherwise Permitted or Required By Law or As We May Notify You. This includes using your information for our legitimate business needs.
As Requested Or Directed By You.
HOW WE SHARE YOUR PERSONAL INFORMATION
We may share your personal information in the following ways:
Internally. We may share your personal information with our affiliates and subsidiaries for the purposes described in this Policy. This may include sharing information with other entities within the PDI family of companies (e.g., PDI, FuelRewards, GasBuddy, etc.).
On Our Platform. For example, we may publicly display personal information you post on our social media sites or submit through our customer reviews feature. We may also display information you submit in connection with a promotion.
With Our Service Providers. We may share your personal information with third parties who perform services on our behalf. For example, this may include merchandise vendors. It may also include companies that send emails on our behalf or help us run our Platform. This includes vendors, such as RIBBIT or Giact, that help validate enrollment information and retrieve bank account information. It also includes vendors, such as CHECKRedi, that conduct collections on our behalf.
With Our Customers. We may share your personal information and transaction data with the customer (e.g., a retailer or business) linked to your loyalty account.
With Any Successors to All or Part of Our Business or One of Our Brands. For example, this may occur if ZipLine merges with, is acquired by, or sells a brand or part of its business to another business entity. This may include an asset sale, corporate reorganization or other change of control. We may sell or transfer our customer personal information as an asset or as part of a larger transaction action.
To Comply With the Law or To Protect Ourselves. For example, this could include responding to a court order or subpoena. It could also include sharing personal information if a government agency or investigatory body requests. We might share personal information when we are investigating a potential fraud.
As Requested Or Directed By You. This may include instances where you ask us to share your personal information with a third party, including a marketing vendor.
For Other Reasons We May Describe to You At the Time of Collection.
CHILDREN UNDER 18
The Platform where this Policy is located is meant for adults. We do not knowingly collect personally identifiable data from persons under the age of 18, and strive to comply with the provisions of COPPA (the Children’s Online Privacy Protection Act). If you are a parent or legal guardian and think your child under 18 has provided us with personal information, please contact us at paymentmembersupport@pditechnologies.com. You can also write to us at the address listed at the end of this website Policy. Please mark your inquiries “COPPA Information Request.” Parents, you can learn more about how to protect children’s privacy on-line here.
CALIFORNIA PRIVACY NOTICE
Last Updated: June 20, 2023
The California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), requires us to make specific disclosures about how we collect, use, disclose the personal information (“PI”) of California residents who are subject to CCPA. CCPA also grants such California residents certain rights related to their PI. This section describes our PI practices offline and online, and contains these required disclosures and instructions for California residents who wish to exercise their rights under CCPA.
The chart below provides a description of the types of PI we collect. It also describes the business or commercial purpose(s) for which we collect, use and disclose PI, and the categories of third parties with whom we have shared or sold each type of PI in the past twelve (12) months. Below the chart, we have outlined the criteria we use to determine how long such PI will be retained. We may collect the categories of PI described in the chart as described in the “HOW DO WE COLLECT YOUR INFORMATION” section of our Policy. We may share PI we collect as described in the “HOW DO WE SHARE YOUR INFORMATION?” section of this Policy.
CCPA contains specific definitions for “sharing” PI and “selling” PI. These definitions only apply to this California Privacy Notice, and do not apply to the rest of our Privacy Policy. “Share” or “sharing” means, in short, sharing PI for cross-contextual advertising purposes. “Sale” or “selling” is defined very broadly and includes the disclosure of PI for monetary or valuable consideration. Note that as of the date of the Policy, we do not knowingly “share” PI and we do not “sell” or “share” PI of consumers under the age of 16 years. This statement is based on our understanding of how these terms are defined under CCPA.
Category of PI
Purposes for Collection, Use and Disclosure
Third Parties to Whom We Have Sold or Shared PI in Past 12 Months
Identifiers, such as name, mailing or billing address, unique personal identifier, online identifier, IP address, email address, phone number, signature, physical characteristics or description, etc.
Provide, maintain and improve our Platform
Provide and deliver the products and services you request
Process transactions and send you related information
Send you technical notices, updates, security alerts and support and administrative messages
Respond to your comments, questions and requests and provide customer service
Communicate with you about products, services, offers, promotions, and rewards
Provide news and information we think will be of interest to you
Monitor and analyze trends, usage and activities in connection with our Platform
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Personalize and improve the Platform
Facilitate and moderate customer surveys
Provide advertisements, content or features that match user profiles or interests
Link or combine with information we get from others to help understand your needs and provide you with better service
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
The retailer sponsoring a payments program in which you have enrolled.
The retailer sponsoring a loyalty program in which you have enrolled.
Government identification numbers, such as Social Security number, driver’s license or state identification number, passport number, military identification number, tribal identification number, etc.
Provide, maintain and improve our Platform
To create and validate your account
Provide and deliver the products and services you request
Respond to your comments, questions and requests and provide customer service
Communicate with you about products, services, offers, promotions, and rewards
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
The retailer sponsoring a payments program in which you have enrolled
The retailer sponsoring a loyalty program in which you have enrolled.
Financial information, such as credit or debit card number, checking or savings routing or account number, etc.
Provide, maintain and improve our Platform
Provide and deliver the products and services you request, including linking your financial accounts with your ZipLine account
Respond to your comments, questions and requests and provide customer service
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Provide advertisements, content or features that match user profiles or interests
Link loyalty cards and provide payment services
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Transaction Data, such as credit card number used to make a purchase, the amount of a transaction, the time and location of a transaction, etc.
Provide, maintain and improve our Platform
Process transactions and send you related information
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
Retailers with whom you have enrolled in a payments program.
Retailer with whom you have enrolled in a loyalty program.
Protected classification characteristics under California or federal law (e.g., age)
Provide and deliver the products and services you request
Process transactions and send you related information
Verify your eligibility for our products and services
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Personalize and improve the Platform
Provide advertisements, content or features that match user profiles or interests
Link or combine with information we get from others to help understand your needs and provide you with better service
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)
Provide, maintain and improve our Platform
Provide and deliver the products and services you request
Respond to your comments, questions and requests and provide customer service
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Provide advertisements, content or features that match user profiles or interests
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Biometric information (e.g., imagery of the iris, retina, face, , and voice recordings from which an identifier template can be extracted)
Provide and deliver the products and services you request
Process transactions and send you related information
Verify your identity and your eligibility for our products and services
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Personalize and improve the Platform
Provide advertisements, content or features that match user profiles or interests
Link or combine with information we get from others to help understand your needs and provide you with better service
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Internet or other similar network activity (e.g., browsing history, search history, and information regarding interaction with an Internet website, application, or advertisement)
Provide, maintain and improve our Platform
Monitor and analyze trends, usage and activities in connection with our Platform
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Provide advertisements, content or features that match user profiles or interests
Link or combine with information we get from others to help understand your needs and provide you with better service
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Geolocation data (e.g., physical location or movements)
Provide and deliver the products and services you request
Process transactions and send you related information
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Personalize and improve the Platform
Link or combine with information we get from others to help understand your needs and provide you with better service
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Sensory data (e.g., audio recordings or similar information)
Provide and deliver the products and services you request
Process transactions and send you related information
Perform customer service
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Personalize and improve the Platform
Link or combine with information we get from others to help understand your needs and provide you with better service
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Inferences drawn from other personal information (e.g., a profile relating to a consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitude)
Provide, maintain and improve our Platform
Communicate with you about products, services, offers, promotions, and rewards
Provide news and information we think will be of interest to you
Monitor and analyze trends, usage and activities in connection with our Platform
Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others
Provide advertisements, content or features that match user profiles or interests
Link or combine with information we get from others to help understand your needs and provide you with better service
Carry out any other purpose as permitted by law or as described to you at the time the information was collected
N/A
Our PI retention criteria: CCPA requires that we disclose the criteria we use to determine how long we will retain each category of PI in the chart above. Oftentimes, our records contain several of these categories of PI combined together and therefore we consider, on a case-by-case basis, a number of factors to assess how long PI is retained. These factors include what PI is reasonably necessary to (i) provide our products and services or administer our relationship with a consumer; (ii) protect our business, employees, organization and others; (iii) fulfill our legal and regulatory obligations; and (iv) investigate and address issues which may include safety concerns, potential security incidents or policy violations.
Disclosures for Business Purposes: In the past twelve (12) months, we have disclosed each of the categories of PI identified in the chart above for “business purposes,” as defined in CCPA. Other than has described in the chart above, we have not disclosed this information to third parties (e.g., non-service providers) in the past 12 months other than as directed by you or with your consent.
California resident rights under CCPA. Subject to certain exclusions included in CCPA, and as relevant to our operations, California residents have the rights listed below with respect to the PI that we maintain about them. We may take steps to verify your identity, as permitted or required under CCPA, before we process your request. Verification may include asking you to provide information about yourself that we can match against information already in our possession.
Notice. This means that you can request that we disclose what PI we have collected about you, including the categories of PI, the categories of sources from which the PI is collected, the business or commercial purpose for collecting, selling, or sharing PI, the categories of third parties to whom we have disclosed PI, and the specific pieces of PI we have collected about the consumer.
Deletion. This means that you can request that we delete PI about you which we have collected from you.
Correction. This means that you can request that we correct inaccurate PI that we maintain about you.
Opt-Out of Sale or Sharing of PI. CCPA provides a right to opt out of the “sale” or “sharing” of PI. Note that as of the date of this Policy, we do not knowingly “share” PI, including the PI of consumers under the age of 16 years. We may “sell” PI as outlined in the chart above. This statement is based on our understanding of how these terms are defined under CCPA. If you would like to opt-out of allowing us to “sell” your PI, please follow the instructions below.
Limit the Use or Disclosure of Sensitive PI. The CCPA provides a right for consumers to request that business limit the use or disclosure of their “sensitive” PI. In our normal business operations, we do not process “sensitive PI” other than as necessary to provide our services to you.
Right to Non-Discrimination. This means that we are prohibited from discriminating against you if you exercise your rights under CCPA
California residents who wish to exercise their rights under this section can contact us at paymentmembersupport@pditechnologies.com. Please include your name, email address and address and indicate you are a California resident making a “CCPA” request. Agents. Agents that you have authorized to act on your behalf may also submit CCPA requests as instructed above. The agent must also provide evidence that they have your written permission to submit a request on your behalf. If we are unable to verify the authenticity of a request, we may ask you for more information or may deny the request.
Additional Information about your California Rights. If you reside in California, you have the right to ask us one time each year if we have shared PI with third parties for their direct marketing purposes. To make a request, please send us an email at paymentmembersupport@pditechnologies.com. Indicate in your email or letter that you are a California resident making a “California Shine the Light” inquiry.
CHOICES REGARDING YOUR INFORMATION
You have certain choices about how we use your personal information. Certain choices you make are browser and device specific.
Marketing Communications:
You can opt out of receiving our marketing communications. Note that you may still receive transactional messages from us, including information about your account and responses to your inquiries. To opt out of receiving our marketing communications, you can follow the instructions contained in the communication.
Cookies & Other Tracking Technologies:
Cookies: You can adjust your browser to control cookies to require your affirmative acceptance for new cookies, automatically reject cookies and/or delete or disable existing cookies. How you do so depends on the type of cookie and the browser that you are using. For more information on how to control browser cookies, click here. If information about your browser is not available through this page, please search your browser for instructions about how to opt-out of cookie collection.
Flash Cookies: You may need to take an additional action to manage flash cookies, which you can learn more about here. Why? Because flash cookies cannot be controlled through your browser settings.
Google Analytics: We may use Google Analytics on our Platform to help us understand how you use our Platform. You can learn about how to opt-out of Google Analytics here.
Facebook: We may use Facebook cookies to target ads to you. You can learn about how to opt-out of receiving targeted advertisements from Facebook here.
Email Tools: You can also change your email settings to block the automatic download of images in email messages, as such images may contain technologies that help us understand how you interact with the message.
Note that deleting or blocking cookies may impact your experience on our website, as some features may not be available. Certain options you select are browser and device specific.
Our Do Not Track Policy:
Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. If you block cookies, certain features on our sites may not work. If you block or reject cookies, not all of the tracking described here will stop.
Options you select are browser and device specific.
Virginia Privacy Rights:
If you are a Virginia resident, you may have the right under the Virginia Consumer Data Protection Act (“VCDPA”) to request that we:
Confirm whether or not we are processing your personal information and provide access such personal information.
Correct inaccuracies in your personal information, taking into account the nature of the personal information and the purposes of the processing of your personal information.
Delete personal information provided to us by or obtained by us about you.
Provide you with a copy of your personal information that you previously provided to us in a portable and, to the extent technically feasible, readily usable format.
Provide a method for you to opt-out of the processing of your personal information for purposes of online behavioral advertising, the sale of your personal information, as the term “sale” is defined under the VCDPA, or profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. Note that we may “sell” personal information to retailers sponsoring a payments program and / or loyalty program in which you have enrolled for the purpose of permitting the retailer to market its products or services or to allow them to reconcile payment obligations and administer their loyalty programs. As of the date of this policy, we do not, and for the past 12-months have not, otherwise “sold” personal information as this term is defined under VCDPA.
Nevada Privacy Rights:
If you are a Nevada resident, under Privacy and Security of Personal Information Chapter of the Nevada Revised Statutes Section 603A (“603A”), you have the right to submit a verified request to us, directing us not to make any sale of certain “personal information” as defined under this law that we have collected or will collect about you. Note that we may “sell” personal information to retailers sponsoring a payments program and / or loyalty program in which you have enrolled for the purpose of permitting the retailer to market its products or services or to allow them to reconcile payment obligations and administer their loyalty programs. As of the date of this policy, we do not, and for the past 12-months have not, otherwise “sold” personal information as this term is defined under 603A.
If you wish to exercise your Virginia or Nevada rights under this section, you can contact us at paymentmembersupport@pditechnologies.com. Please include your name, email address, and state of residence and indicate you “Privacy Rights” request. We will take commercially reasonable efforts to authenticate any requests that you submit. If we deny your privacy request and you wish to appeal our decision, you may contact us at paymentmembersupport@pditechnologies.com.
SECURITY
The Internet is not 100% secure. We cannot promise that your use of our Platform will be completely safe. We encourage you to use caution when using the Internet. We use physical, technical, and organizational means to help safeguard personal information under our control. A username and password are needed to access certain areas of the Platform. It is your responsibility to protect your username and password. Personal Information may be accessed by persons within our organization, or our third-party service providers, who require such access to carry out the purposes described in this Privacy Policy, or otherwise permitted or required by applicable law.
LINKS
Our Platform may contain links to other third-party sites that are not governed by this Policy. This includes third-party sites that offer resources and content which you can access through our Platform. If you click on a link to a third-party site, you will be taken to a site we do not control. We are not responsible for the privacy practices used by third-party sites. We suggest that you read the privacy policies of those sites carefully.
HOW TO CONTACT US
If you have any questions, comments or concerns with respect to our privacy practices or this Policy, or wish to update your information, please feel free to contact us at paymentmembersupport@pditechnologies.com. You may also write to us at the following address:
ZipLine
Attn: Customer Service
300 Lock Road, Suite 202
Deerfield Beach, FL 33442
CHANGES IN POLICY
From time to time, we may change this Privacy Policy. We will notify you of any material changes to this policy as required by law. We will also post an updated copy on our Platform. Please check our Platform periodically for updates. Your continued access to and/or use of our Platform after any such changes constitutes your acceptance of, and agreement to this Privacy Policy, as revised.
