Privacy policy
Privacy Policy
This Privacy Policy explains how Touch-n-Buy LLC dba Zip-loan. (“we” or “us”) We collect and use the information you provide to help you make informed decisions when you visit this website. Please be sure to read this entire Privacy Notice before using our website. If you do not agree to the terms of this Privacy Notice, please do not use this website.
Scope and Purpose
how Touch-n-Buy LLC dba Zip-loan provides a point-of-sale financing platform that connects lenders (“Program Lenders”) and merchants that enable this technology (“Merchants”). Touch-n-Buy LLC dba Zip-loan provides technology and support services facilitating Program Lenders’ lending programs (the “Platform”). How Touch-n-Buy LLC dba Zip-loan is not a bank, lender, or other financial institution, and we do not make credit decisions or extend credit.
This website is intended for business users interested in using the how Touch-n-Buy LLC dba Zip-loan Platform or network of lenders. How Touch-n-Buy LLC dba Zip-loan does not market the Platform or any other products or services to individual or household consumers, and our Platform product is intended for use only within the United States. If you are a consumer and you visit or shop with a merchant using our Platform, your interactions are governed by that merchant’s terms of service and privacy policies.
This website is directed at a business audience, and any personal information collected is only as described below, namely:
- To support and improve site functionality and
- We are writing to respond to your inquiries about how our Platform may be helpful for your business.
Information We Collect
How Touch-n-Buy LLC dba Zip-loan provides a point-of-sale financing platform that connects lenders (“Program Lenders”) and merchants that enable this technology (“Merchants”). Touch-n-Buy LLC dba Zip-loan provides technology and support services facilitating Program Lenders’ lending programs (the “Platform”). How Touch-n-Buy LLC dba Zip-loan is not a bank, lender, or other financial institution, and we do not make credit decisions or extend credit.
Uses of Information
We may use the information we collect from you for purposes such as:
- To respond to your inquiries and requests related to your business’s potential use of our Platform, including if you request a demonstration of our product.
- To operate and improve our website.
- To detect and protect against threats to the Site’s security and
For any other purpose specified at the time of collection.
Analytics
We use Google Analytics to understand better how visitors interact with our website. This service provides technical data, including but not limited to data on where visitors come from and what actions they take on our website. We use this information to improve your experience when visiting our Sites. Note that if you use more than one browser or more than one computer, you may need to opt-out individually for each browser or computer.
Service Providers
We may share and collect information with service providers, which may include credit data, KYC data, Device data with Bureaus, Fraud detection vendors, communication (email and text) partners, Program Lenders, virtual card providers, Google, Zoho, and others, to assist in responding to your inquiries or requests, or to perform business or operational functions.
We may also disclose information about you if required by law or to protect our or third-party rights, as disclosed at the time of collection.
Program Lenders
We may share information about you with our Program Lenders to the extent reasonably necessary to enable the use of or improve the Platform or to facilitate the availability of our Program Lenders’ products to you or your customers.
We may also disclose information about you if required by law or to protect our or third-party rights, as disclosed at the time of collection.
Security
We employ security measures to protect data collected through our website from accidental loss, unauthorized alteration, and disclosure. While we do our best to protect your data, we cannot guarantee the security of data transmitted to our website.
Cookies
Besides any information you may choose to submit, we also use cookies and other technologies to support website functionality. A “cookie” is a small text file that a website or application has your browser store on your device to capture specific information about you, such as site usage, while visited by you. We do not make any effort to identify or otherwise track individual users. The information generated by the cookie about your use of the how Touch-n-Buy LLC dba Zip-loan website will be transmitted to and stored by Google on servers. You may learn more about cookies and how to control them via your browser here: http://www.allaboutcookies.org/.
Links to other Websites
This website contains links to other websites we do not own or operate. This Privacy Notice applies only to this website and not to any other sites it links to. We encourage you to read the privacy notices of any third-party website you visit.
Notice and Choice
Like any website, this requires some Personal Information to function. For example, the website needs IP addresses, browser, and system information. If you choose to contact Us, you may provide some additional information, such as your at-work email address. This is entirely optional. If you do so, we will use this information to contact you in response to your inquiry.
Changes in our Privacy Practices
From time to time, we may make changes to our privacy practices and update this Privacy Notice. We will notify you of any changes to our Privacy Notice by posting any updated policies on this page. Please visit this page from time to time for any updates. Your continued use of this website constitutes your acceptance of the new terms.
Contact us
If you have questions about this Privacy Notice, please get in touch with us at support@zip-loan.
Links to other Websites
This website contains links to other websites we do not own or operate. This Privacy Notice applies only to this website and not to any other sites it links to. We encourage you to read the privacy notices of any third-party website you visit.
For Users in Specific regions such as California or Europe
Some jurisdictions, such as the European Union, California, Nevada, and others, grant individuals specific rights related to their data. This website is intended for a business audience in the United States only. We do not offer products and services or track users’ activities in the European Union or European Economic Area as defined in the General Data Protection Regulation (GDPR). We do not “sell” consumer information as the term is used in the California Consumer Privacy Act (CCPA). However, if you believe you have rights under the CCPA, GDPR, or any other privacy law and would like to exercise them, please contact us at [email protected].
California Privacy Notice
This notice is intended to satisfy the California Consumer Privacy Act of 2018 (“CCPA”). The CCPA requires us to explain how we collect, use, and share Personal Information and your rights and choices under California law.
We do not sell Personal Information. This website is designed for a business audience. Specifically, we are reaching individuals interested in using Platform for their business. This website is not directed at individual consumers; we do not collect identifiable personal information unless you provide such information.
When you browse the how Touch-n-Buy LLC dba Zip-loan website, your Personal Information is collected and used as follows:
information | CCPA Category | Collected – How? | Used For? | Shared? |
Device identifiers, online activity data, and device identifiers. | Identifiers, internet and network information, online identifiers | Automatically | Operations | Shared with service providers only, to support website functionality. |
Name, business contact information | Identifiers, online identifiers | Submitted by you | If you submit contact information, we will use this to contact you as requested. | Service providers and Program Lenders. |
How we use your personal information
We are how Touch-n-Buy LLC dba Zip-loan, headquartered in Charlotte, NC.
We do not sell Personal Information. This website is intended for business users interested in using the Zip-Loan Platform. How Touch-n-Buy LLC dba Zip-loan does not market the Platform or any other products or services to individual or household consumers, and our Platform product is intended for use only within the United States. If you are a consumer and you visit or shop with a merchant using our Platform, your interactions are governed by that merchant’s terms of service and privacy policies.
Besides any information you may choose to submit, we also use cookies and other technologies to support website functionality. We do not make any effort to identify or otherwise track individual users. You may find out more about cookies and how to control them via your browser here: http://www.allaboutcookies.org/
Who do we share the information with?
We share your Personal Information with Service Providers who can only use your information as instructed. Like most web-based businesses, we rely on various Service Providers to perform essential functions like hosting and running our website, managing our business, and communicating with our customers and users of the Platform or our website.
Your Privacy Rights
State laws, such as California’s CCPA, grant individual consumers several rights, which we honor.
Information. You can request information about how we have collected, used, and shared your Personal Information during the past 12 months.
Access. You can request a copy of your data by mailing it to us at [email protected].
Rectify any inaccurate or incomplete information. Suppose the data subject perceives information referring to the subject as wrong or incomplete. In that case, they have the right to request a piece of particular information to be rectified or completed by mailing it to us at [email protected].
Deletion. You have the right to request any personal data – that is how Touch-n-Buy LLC dba Zip-loan is not obliged to keep – to be deleted by mailing it to us at [email protected].
Exception to the rule: Retention of specific data. Please note that there may be instances where access to data or the right to delete information may be limited based on legal requirements.
Requests Generally
We state the types of information we collect, why, and with whom we share the information above, including the purpose and use.
We do not typically retain information enabling us to identify individual users. We are not required to respond if we cannot confirm your identity. After a reasonable search, we could not find any information about you.
We consider several factors when responding to requests. We do not include sensitive information in a request-response. We also take reasonable steps to verify your identity, which may require you to provide some information about yourself. We do not discriminate against any user or consumer based on their submission of requests under any law, such as the CCPA. We will explain why we deny some or all a request. Please get in touch with [email protected] for any further questions.