Privacy Policy
Overview
At ZIVO PROCESSING ("ZIVO", "we", "our", or "us"), we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share, and safeguard personal data when you use our merchant services, websites, and related products (collectively, the "Services"). This policy applies to all merchants, business partners, and individuals who interact with our Services. We act as an independent controller for the personal data we process in connection with providing payment processing and merchant services, except where we process data on behalf of our merchants as a service provider .
🔒 Our Commitment: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
What Personal Data We Collect
The types of personal data we collect depend on your relationship with us. We collect information from merchants (businesses using our Services), their representatives, and end consumers who make payments through our merchants.
| Category of Data | Description | Collected From |
|---|---|---|
| Contact Information | Name, email address, phone number, physical address | Merchants, Representatives |
| Business & Financial Information | Company registration, tax ID, bank account details, ownership information | Merchants, Credit Bureaus |
| Device & Session Information | IP address, browser type, device identifiers, cookie data, pages visited | Visitors, Merchants |
| Integrations | Credentialing and data from third-party services like accounting or e-commerce platforms | Merchants (when enabled) |
How We Use Personal Data
We process personal data for specific, legitimate purposes as outlined below. Our legal bases for processing include: performing a contract with you, complying with legal obligations, pursuing our legitimate business interests (provided your rights do not override these), and with your consent where required .
- Deliver Services: Process payments, settle transactions, manage chargebacks, provide customer support, and enable integrations.
- Compliance & Security: Verify identities, prevent fraud, detect illegal activities, comply with anti-money laundering (AML) and "know your customer" (KYC) regulations, and maintain system security.
- Improve & Optimize: Analyze usage patterns, train our AI models (using de-identified data), test new features, and enhance overall service quality.
- Communication: Send service updates, respond to inquiries, and provide marketing communications (with your consent where required).
📊 De-Identified Data: We may anonymize or aggregate personal data so that you are not individually identifiable. This de-identified data may be used for analytics, research, and to improve our Services. We never share aggregate data in a manner that would personally identify you .
How We Share Personal Data
We do not sell your personal data. We share information only as necessary to provide our Services, comply with legal obligations, or with your explicit consent. We ensure that all third parties with whom we share data are contractually obligated to protect it.
- Service Providers: We share data with trusted third parties who perform functions on our behalf (e.g., payment gateways, fraud prevention, cloud hosting). They are required to keep your data confidential and use it only for the services they provide to us.
- Financial Institutions & Card Networks: To process transactions, we share transaction data with banks, card associations (Visa, Mastercard), and other financial intermediaries.
- Regulatory & Law Enforcement: We may disclose personal data when required by law, court order, or to protect against fraud or illegal activity.
- Integrated Platforms: If you connect ZIVO with third-party platforms (e.g., Shopify, Salesforce), we share only the data necessary for that integration.
Data Retention
We retain personal data for as long as necessary to fulfill the purposes for which it was collected, including to meet legal, regulatory, accounting, or reporting requirements. Transaction data may be retained for up to 7 years to comply with financial regulations. After this period, we securely delete or anonymize the data.
Data Security
We implement robust administrative, technical, and physical safeguards to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:
- PCI-DSS Compliance: We adhere to the Payment Card Industry Data Security Standard for processing cardholder data.
- Encryption: Data is encrypted in transit and at rest using industry-standard protocols.
- Access Controls: Only authorized personnel have access to personal data, and only for legitimate business purposes.
- Monitoring: We continuously monitor our systems for potential vulnerabilities and security incidents.
Your Privacy Rights
Depending on your jurisdiction, you may have the following rights regarding your personal data:
- Right of Access: Request a copy of the personal data we hold about you.
- Right to Rectification: Correct inaccurate or incomplete data.
- Right to Erasure ("Right to be Forgotten"): Request deletion of your data, subject to legal retention obligations.
- Right to Restrict Processing: Limit how we use your data in certain circumstances.
- Right to Data Portability: Receive your data in a structured, machine-readable format.
- Right to Object: Object to processing based on legitimate interests or direct marketing.
- Right to Withdraw Consent: Withdraw any consent you have provided at any time.
To exercise any of these rights, please contact us using the information in the "Contact Us" section below. We will respond to your request at the earliest possible convenience.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the revised policy on this page with a new "Last Updated" date. We encourage you to review this policy periodically.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
- Email: operations@zivoprocessing.com
- Phone: +1 (713) 999-2951
- Address: 2401 Fountain View Dr. Ste 464 Houston, TX 77057
If you are located in the European Economic Area, Switzerland, or the United Kingdom, you also have the right to lodge a complaint with your local data protection authority.