How we collect, use, store, and protect your information.
Please note that as a financial technology company, Zil Money is subject to the Gramm-Leach-Bliley Act (GLBA) and Regulation P (16 CFR Part 313). The personal information we collect is treated as "nonpublic personal information" and is protected in accordance with the privacy and safeguarding requirements of the GLBA. For detailed information about how we use, share, and protect your nonpublic personal information, please see Section 3A of this privacy notice.
Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank.
Thank you for choosing to be part of our community at the services platform of Zil Money Corporation, doing business as Zil Money ("Zil Money", "we", "us", "our"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at support@zilmoney.com.
When you visit our website https://zilmoney.com (the "Website"), use our mobile application, as the case may be (the "App") and more generally, use any of our services (the "Services", which include the Website and App), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Services immediately.
This privacy notice applies to all information collected through our Services (which, as described above, includes our Website and App), as well as, any related services, sales, marketing or events.
Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services (such as by posting messages in our online forums or entering competitions, contests or giveaways) or otherwise when you contact us.
The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make and the products and features you use. The personal information we collect may include the following:
Personal Information Provided by You. We collect names; phone numbers; email addresses; mailing addresses; passwords; billing addresses; debit/credit card numbers; and other similar information.
Payment Data. We may collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. All payment data is stored by Zil Money. You may find their privacy notice link(s) here:
Social Media Login Data. We may provide you with the option to register with us using your existing social media account details, like your Facebook, Twitter or other social media account. If you choose to register in this way, we will collect the information described in the section called "HOW DO WE HANDLE YOUR SOCIAL LOGINS?" below.
Opt-In for Conversational Messaging: When you share your phone number, you consent to receiving these conversational messages. These may include updates, notifications, and promotions (if you've opted in). If you change your mind, you can opt-out anytime.
Opt-Out of Conversational Messaging: You can opt out of receiving conversational messages at any time by replying "STOP" to any message, or by contacting us at [email/contact]. After opting out, you may still receive essential transactional messages, like service updates or payment confirmations, but no further conversational or promotional messages.
All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Website/Services.
We automatically collect certain information when you visit, use or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.
Like many businesses, we also collect information through cookies and similar technologies.
In Short: We collect information regarding your geolocation, mobile device, push notifications, when you use our App.
If you use our App, we also collect the following information:
This information is primarily needed to maintain the security and operation of our App, for troubleshooting and for our internal analytics and reporting purposes.
In Short: We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.
We use personal information collected via our Services for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.
We use the information we collect or receive:
We collect personal information that you voluntarily provide to us, such as your name, email address, phone number, and any other information you choose to share with us. We may share your mobile phone number with trusted third-party providers who help us deliver conversational messaging. These providers are bound by strict confidentiality agreements and can only use your data to assist with delivering services — nothing more.
We are dedicated to protecting your personal information and ensuring it remains confidential and secure. We safeguard your data, and we are highly cautious about entrusting it to anyone beyond our organization. We are committed to maintaining the confidentiality and security of your personal information. We use security protocols to protect your data from unauthorized access, use, or disclosure. We maintain strict controls over the storage and access of your data, ensuring that it is only accessible by authorized personnel. Your privacy is important to us, so we take a variety of security measures to protect your personal data. This includes encryption, secure storage, and restrictions on who can access your information.
We do not sell or share your personal information, including your mobile phone number, with third parties for marketing purposes.
Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.
We may process or share your data that we hold based on the following legal basis:
More specifically, we may need to process your data or share your personal information in the following situations:
In Short: As a financial technology company, Zil Money is subject to the Gramm-Leach-Bliley Act (GLBA) and Regulation P (16 CFR Part 313), which protect the privacy of your nonpublic personal information.
Nonpublic personal information (NPI) includes personal information about you that we collect in connection with providing financial services, such as:
Nonpublic personal information does not include publicly available information or information you authorize us to make public.
We share your nonpublic personal information in the following circumstances:
With Our Affiliates: We may share your nonpublic personal information with companies under common ownership or control with Zil Money to provide you with financial services and improve our offerings.
With Nonaffiliated Third Parties — Partner Banks: We share necessary transaction and account information with our partner banks, Texas National Bank and , to process and administer your transactions, maintain your accounts, and comply with legal and regulatory requirements. This sharing includes your name, address, phone number, email, account information, and transaction history. Payment card information is shared only if the card is issued by that bank as a BIN sponsor. This sharing is necessary to provide the financial services you have requested and is not subject to opt-out.
With Service Providers: We may share your nonpublic personal information with service providers who perform functions on our behalf under contract, including payment processors, cloud hosting providers, and fraud prevention services. These service providers are contractually obligated to maintain the confidentiality of your information.
For Legal and Regulatory Compliance: We may disclose your nonpublic personal information when required by law, regulation, or legal process, or to protect our rights and the rights of our customers.
For Fraud Prevention: We may share information with fraud prevention services and law enforcement to detect, prevent, and address fraudulent activity.
Anonymized Data for Marketing: We conduct marketing analysis using your personal data with all personally identifiable information removed (anonymized). This anonymized data may be shared with third-party marketing agencies for analysis and marketing purposes. Because this data is anonymized, it does not constitute nonpublic personal information and is not subject to opt-out restrictions.
You have the right to opt out of the disclosure of your nonpublic personal information to nonaffiliated third parties for their marketing purposes. However, Zil Money does not share your nonpublic personal information with nonaffiliated third parties for marketing purposes. We only share information with our partner banks as described above, which is necessary to provide the services you have requested.
If you have questions about our information sharing practices or wish to confirm our opt-out policies, please contact us at support@zilmoney.com.
Even if you opt out, we may still share your nonpublic personal information in the following circumstances:
We implement comprehensive administrative, technical, and physical safeguards to protect your nonpublic personal information:
Administrative Safeguards:
Technical Safeguards:
Physical Safeguards:
Incident Response:
Data Retention and Deletion:
If you close your account with Zil Money, we continue to maintain and protect your nonpublic personal information in accordance with this privacy notice. We retain your information in perpetuity and continue to share necessary information with our partner banks as required to administer any remaining obligations. The privacy protections described in this notice apply to your information even after your account is closed.
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
In Short: If you choose to register or log in to our services using a social media account, we may have access to certain information about you.
Our Services offers you the ability to register and login using your third-party social media account details (like your Facebook or Twitter logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile information we receive may vary depending on the social media provider concerned, but will often include your name, email address, friends list, profile picture as well as other information you choose to make public on such social media platform.
We will use the information we receive only for the purposes that are described in this privacy notice or that are otherwise made clear to you on the relevant Services. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notice to understand how they collect, use and share your personal information, and how you can set your privacy preferences on their sites and apps.
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We store your information only for as long as necessary to provide you with our services and fulfill legal obligations. If you decide to stop using our services, we'll ensure your data is deleted or securely stored according to our policies.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
Regulation P Safeguards Compliance: In addition to the security measures described above, Zil Money complies with the Safeguards Rule under the Gramm-Leach-Bliley Act (16 CFR Part 314), which requires financial institutions and financial technology companies to implement comprehensive information security programs. Our information security program includes the administrative, technical, and physical safeguards detailed in Section 3A of this notice. We regularly review and update our security measures to address emerging threats and maintain compliance with applicable regulations.
In Short: We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent's use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at support@zilmoney.com.
In Short: You may review, change, or terminate your account at any time.
If you have questions or comments about your privacy rights, you may email us at support@zilmoney.com.
Under the Gramm-Leach-Bliley Act (GLBA) and Regulation P, you have the right to opt out of the disclosure of your nonpublic personal information to nonaffiliated third parties for their marketing purposes. As noted in Section 3A above, Zil Money does not share your nonpublic personal information with nonaffiliated third parties for marketing purposes. However, if you have questions about our information sharing practices or wish to exercise any privacy rights under Regulation P, you may contact us at support@zilmoney.com or by mail at:
Zil Money Corporation
PO Box 6543
Tyler, TX 75711
United States
If you would at any time like to review or change the information in your account or terminate your account, you can:
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with applicable legal requirements.
Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. To opt-out of interest-based advertising by advertisers on our Services visit http://www.aboutads.info/choices/.
You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below. You will then be removed from the marketing email list — however, we may still communicate with you, for example to send you service-related emails that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes. To otherwise opt-out, you may:
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us by using the contact details provided in the section
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy policy occasionally. If we make significant changes, we'll update this page and let you know. The updated version will have a new "Effective Date" at the top, so you can always see when we last made changes.
Zil Money Corporation's global development center is Tyler Payments Technologies, located in Kerala, India. Tyler Payments Technologies uses Zil Money Corporation's brand properties, including OnlineCheckWriter.com, Zil Money.com, and Zil.us, as well as its sister concern Tyler Petroleum's brand identity for its India operations — for conducting events, advertising, CSR, and for hiring employees.
If you have questions or comments about this notice, you may email us at support@zilmoney.com or by post to:
Zil Money Corporation
PO Box 6543
Tyler, TX 75711
United States
Based on the applicable laws of your country, you have the right to:
Access your personal information: Request a copy of the data we hold about you.
Correct inaccuracies: If any of your information is wrong, you can ask us to update it.
Opt-out of marketing messages: You can stop receiving promotional messages at any time by replying "STOP" or contacting us directly.
Delete your data: If you wish, you can request that we delete your account and personal information, subject to any legal requirements.
If you'd like to exercise any of these rights or if you have any concerns about your data, feel free to reach out to us at support@zilmoney.com.