Privacy Policy

Last updated: June 8, 2025

1. Scope and Applicability

1.1 Who Is Covered

This Policy applies to:

  • Businesses that use our Services to pay freelancers abroad.
  • Freelancers and end users whose information is processed through our Services.

1.2 Geographical Scope

We operate worldwide. Personal information may be transferred, stored, and processed outside your country of residence, including the United States.

2. Definitions

  • Personal Information: Any information relating to an identified or identifiable individual.
  • Service Providers: Third-party platforms (e.g., Stripe, Plaid) we engage to process payments or aggregate bank account data.
  • ACH Pooling: Automated Clearing House (ACH) services that collect and distribute funds between multiple bank accounts.

3. Information We Collect

3.1 Information You Provide Directly

  • Business Information: Company name, address, contact person, email, phone number.
  • Freelancer Information: Name, email, national identification or tax ID, payment method preferences.
  • Bank Account Credentials: Routing and account numbers, account type, and authentication tokens.

3.2 Transaction and Usage Data

  • Payment History: Amounts, dates, recipient details, ACH pooling records.
  • Usage Metrics: IP address, device type, browser, pages visited, API call logs.

4. How We Use Information

  • Process Payments: Facilitate ACH pooling, disburse payments to freelancers.
  • Authenticate Accounts: Verify bank account ownership and identity.
  • Provide and Improve Services: Maintain security, enhance user experience.
  • Compliance and Risk Management: Detect fraud, comply with legal obligations.
  • Communication: Send transaction confirmations and support replies.

5. Security

We implement reasonable administrative, technical, and physical safeguards including:

  • Encryption: In transit (TLS) and at rest.
  • Access Controls: Role-based access, multi-factor authentication.
  • Monitoring: Regular vulnerability scans and penetration testing.

6. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

  • Access, correct, or delete your personal information
  • Object to or restrict processing
  • Withdraw consent (where processing is based on consent)
  • Receive a copy of your personal information in a portable format

7. Contact Us

If you have questions or concerns about this Policy or our practices, please contact us at privacy@zobo.app