New

Privacy Policy

Updated December 2018

Zeta Help Inc. built the Zeta app as a Freemium app. This service is provided by Zeta Help Inc. at no cost and is intended for use as is.


Zeta is committed to maintaining your confidence and trust. And that means ensuring you understand how we collect, use, and disclose personal information about you in connection with your use of our askzeta.com website, mobile apps, online worksheets, our social media pages, our educational services, and other services we may offer. 


This notice sets out our privacy policies and practices with respect to information that we collect about visitors to and users of our askzeta.com website, mobile apps, digital tools, educational content and social media pages.

CONTENTS

1. Collection and Use of Your Information

2. Sharing of Your Information

3. Your Choices

4. Security of Your Information

5. Social Media and Third Party Sites

6. Children's Online Privacy

7. Changes

8. Contact Us

1. Collection and Use of Your Information

Personal Information We Collect


We collect your Personal Information – which means information that can be used to identify you as an individual – when you access our website or mobile apps. However, the types of Personal Information that we collect will vary depending on the extent of your use of our website or mobile apps and the services that you may receive from us. Our goal is to use this information to provide and improve our services to you. 


Zeta Website & Blog Users. You become a user of our askzeta.com website simply by visiting any of the website’s pages or blog. We may collect and store any personal information you enter on our website or provide to us in some other manner. This includes identifying information, such as your name, address, e-mail address, and telephone number, and, if you transact business with us, financial information such as your payment method (valid credit card number, type, expiration date, or other financial information). We also may request information about your interests and activities, your gender and age, your financial life and other demographic information.


Zeta Guide & Worksheet Users. If you choose to use Zeta’s free educational guides or worksheets, we may collect personal financial information such as income, expenses, credit scores, and/or debt information in addition to the information mentioned above.


Zeta's Web and Mobile Apps. If you create a Zeta account, we’ll collect information that can be used to identify you, such as your name, date of birth, email, address, and phone number, which is personally identifiable information. If you choose to connect a bank account to Zeta, we will have additional access to your financial data including transaction information, account balances, and other information about you and your bank that may be available. When using our app, our servers automatically store your usage data so we can improve your experience.  This data may include information such as your IP address, browser type, operating system, the web page that you were visiting before accessing Zeta, the pages or features of Zeta which you browsed and the time spent on those pages or features, the links on Zeta that you clicked on and other statistics. 


We may collect information about you from other sources for various business purposes, including to provide you with any services you request or to help us comply with our legal obligations.


How We Use Your Personal Information


- To verify your identity for purposes of providing you access to certain areas and features of the website and/or the web and mobile apps;

- To develop and display content on the website,  the web and mobile apps,  the guide and the worksheet tailored to you;

- For users of our online worksheet, to review your financial information to help customize the guide to you and to communicate with you;

- For users of our web or mobile apps, to help you track and manage your finances on a monthly basis

- For users of our coaching, to help provide relevant help on how to manage your money

- To send you administrative communications and other notifications;

- To send you marketing communications about Zeta services, company developments and news, or about other third-party products or services that you may be interested in;

- To perform research and analysis about your use of our website, apps and services, and your potential interest in different products or services that could be offered by us or others;

- For customer service, by responding to any questions you have if you contact us; 

- For any other purpose disclosed at the time you provide Personal Information or otherwise with your consent.

- To enforce our terms and conditions; and

- To manage our business.


If you choose not to provide certain Personal Information to us, your use of the Zeta's website, web or mobile apps, guide or worksheet may be substantially limited.


Other Types of Information We Collect And Use


Usage Information. When you visit and navigate through the Zeta website or our web and mobile apps, we or our third-party service providers use a variety of technologies that automatically collect certain information about your equipment and browsing activity. The information collected may include your browser type, device type, operating system, application version, access times, the webpages you visited, the links you click, and your use of other features or functionality on the website. This information helps us keep the Zeta website and/or apps fresh and interesting to you and allows us to tailor content to your interests.


Device Identifier Information. We also automatically collect your IP address or other unique identifier for the device used (computer, mobile phone, tablet, or other device) to access the Zeta website or web and mobile apps. We may use this information to, among other things, administer the website, help diagnose problems with our servers, analyze trends, track users’ webpage movements, help identify users’ interests, and gather broad demographic information for aggregate use.


The technologies we use for this automatic information collection may include:


Log Data. We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.


Cookies. A cookie is a small file placed on the hard drive of a device used to visit the Zeta website or web and mobile apps. We or our third-party service providers use cookies for a variety of reasons, including for security purposes, to facilitate site navigation, to perform analytics, and to personalize your experience while visiting the website (such as allowing us to select content that is most likely to appeal to you, based on your interests, preferences, location, or demographic information). 


Because an industry-standard Do-Not-Track protocol has not yet been established, our information collection practices will continue to operate as described in this Privacy Notice regardless of any “Do Not Track” signals that may be sent by certain browsers. However, you may refuse to accept cookies in order to prevent tracking activities by activating the appropriate setting on your browser. Please refer to your browser’s tools or help menu for instructions on how to disable cookies. If you select this setting, you may be unable to access certain features of the Zeta website.


Pixel Tags. Pages of the Zeta's website and our web and mobile apps, and promotional and other emails that we send to you, may contain pixel tags, which are small electronic files that allow us to track the number of users who have visited specific pages of the website, downloaded a particular document, or opened a Zeta email. This information helps us to determine, among other things, the popularity of certain content.


Other Technologies. We may use third-party technology such as Google Analytics to analyze visitor traffic to and track activity on our website and social media pages. You can opt out of Google Analytics by downloading an opt-out browser add-on directly from Google.


We do not collect Personal Information from you through these automatic information collection technologies.

2. Sharing of Your Information



Personal Information We Collect


We share your Personal Information with third parties only as described in this Privacy Notice or with your specific consent. We share Personal Information we collect about you with our affiliated companies and service providers. We may share other information, such as aggregate data that does not identify you, with our affiliated companies and third parties. WE DO NOT SELL YOUR PERSONAL INFORMATION TO THIRD PARTIES.


Authorized Third-Party Service Providers. We share your Personal Information with authorized third-party service providers that perform business-related functions on our behalf, including but not limited to pulling and displaying financial information from your financial institutions for you to view through our website or mobile apps, supporting website functionality, and conducting research and data analysis for us. These service providers have access to your Personal Information only as needed for them to provide services on our behalf and are not permitted to use your Personal Information for any other purpose.


We use Plaid Technologies, Inc. (“Plaid”) to gather user data from financial institutions. By using our service, you grant Zeta and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.


Our Affiliated Companies. We may share your Personal Information with our affiliated companies, as permitted by law for their research and analysis. Your Personal Information will not be used by our affiliated companies to market directly to you or to establish your creditworthiness or eligibility for products or services that they may offer. For California residents, we will only share your Personal Information with our affiliated companies as permitted by law and, if the law requires us to obtain your consent or give you the opportunity to opt out of some types of sharing, we will do so before engaging in that type of sharing.


Business Transfers. We may share your Personal Information with another entity as a result of a merger, acquisition, reorganization, sale or other change of control of our business. In the event that such a transaction occurs, your Personal Information may be part of the assets transferred to the other entity.


Legal and Regulatory Purposes. We may share your Personal Information with third parties to comply with a legal obligation; when we believe in good faith that the law or a governmental authority requires it; to enforce our Terms of Use or other agreements; to address suspected fraud or other wrongdoing; to respond to an emergency; or to otherwise protect the rights, property or safety of our employees or others; and as may otherwise be permitted by law.


At Your Direction or With Your Consent. Otherwise, we share your Personal Information with third parties only with your specific consent or at your direction.



3. Your Choices




Not to Use Certain Features. You can control the Personal Information that you provide to us. However, certain Personal Information is required by us in order for you to create an online account on the Zeta website or web or mobile apps. As a result, you will not be able to take advantage of some features of the Zeta if you choose not to provide us with your Personal Information. 


Update Your Personal Information. If your Personal Information such as your email address changes, you can update the information by emailing us at support@askzeta.com or making changes directly on your profile within the web and mobile app.


Opt Out of Sharing. Federal law gives you the right to limit the sharing of your Personal Information in certain circumstances with our affiliated companies and other nonaffiliated third parties. State laws may provide you with additional rights. However, we do not share your Personal Information in any way that affords you the right to opt out of the sharing. Consistent with the commitments set forth in this Privacy Notice, if any sharing that we do of your Personal Information will require us to provide you the option to opt-out or opt-in to the information sharing, we will provide you with this option in advance of the sharing.


Not to Receive Marketing Emails. We will use your name and email address to send Zeta-related promotional emails to you. You can direct us to stop sending you promotional emails by following the “unsubscribe” instructions included in a Zeta-related promotional email you receive. Your opt-out request will be processed within 30 days of the date on which we receive it. Opting out of receiving promotional emails will not affect your ability to continue to receive other service-related, non-promotional emails from Zeta, which you will not be able to opt-out from.


Delete Account. You can request to be removed from our systems by emailing us at support@askzeta.com. After you delete your account, you will not be able to log into the Zeta website, apps or access any of your Personal Information. While we will work to remove your information from our systems, it is not always possible to completely remove or delete all of your Personal Information without having some residual data remain on our systems for some time. Also, if we shared your information with any third parties as described in this Privacy Notice, those companies are not required to delete your information. You can open a new account at any time. 


4. Security of Your Information





We take information security seriously and use reasonable security measures, including employing certain physical, electronic, and procedural safeguards, to help protect the Personal Information that we collect or you may provide to us. We restrict access to your Personal Information to authorized employees for permitted business purposes only and require our third-party service providers to protect your Personal Information and use it exclusively for the purpose of performing certain business functions on our behalf.


However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Although we take steps to secure your information, we cannot ensure or promise that the information you transmit to us will remain secure.


You need to maintain the confidentiality of your Personal Information too. You should be careful in how you share your Personal Information with others and avoid sending your Personal Information through unsecure, unencrypted email. You also should not provide your username and password to the Zeta website or apps to others. If you become aware of any suspicious activity associated with your online account on the askzeta.com website, contact us immediately at support@askzeta.com.

5. Social Media and Third Party Sites






We may share aggregated information and non-identifying information with our social media platforms or with third parties for industry research and analysis and other similar purposes. For example, we may use aggregated and non-identifying information to share statistics about the spending habits of our users, and publish blog posts or articles on our blog about things such as spending habits for similar couples.

6. Children's Online Privacy






Our website and services are not directed to children. We do not knowingly collect personally identifiable information from anyone younger than 13 years of age. If a parent or guardian becomes aware that his or her child younger than 13 has provided us with personally identifiable information without his or her consent, he or she should contact us at support@askzeta.com. If we become aware that we have unknowingly collected personally identifiable information from a child younger than 13 years of age, we will make reasonable efforts to delete such information from our records.


7. Changes







We may update this Privacy Notice from time to time to reflect changes in our information practices. If we make any material changes, we will notify you by email (sent to the email address specified in your account) or by posting the updated notice on the Zeta website or our web and mobile apps prior to the change becoming effective. We encourage you to periodically review the Zeta website or app for the latest information on our privacy practices.


This Privacy Notice will continue to apply after you are no longer a user of our website or other customer of ours.

8. Contact Us



If you have any questions or concerns about this Privacy Notice, please contact us at support@askzeta.com.

© 2019 Zeta. All rights reserved.

SOCIAL

RESOURCES

Magazine

ABOUT