Zip

"If you grant permission in your device settings, we may collect your approximate or precise geolocation data and use your geolocation information to operate and customize the Service for you. We may use this information for fraud prevention and security purposes and to provide you with location-based services, such as advertising, help you find nearby stores, speed up your in-store checkout process and get access to other personalized content and offers."

Zip collects precise geolocation data and uses it not just for core functionality but also for advertising, personalized content, and offers — purposes that go beyond what a buy-now-pay-later service requires.

"Certain Zip features may collect your approximate or precise geolocation information, device motion information, or both, if you grant us permission to do so through your device settings. Including data about the pages you access, computer IP address, device ID or unique identifier, device type, computer and connection information, mobile network information, mobile device type, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information."

Zip collects device motion data, unique device identifiers, mobile network information, and broad electronic activity data, much of which exceeds what is needed for a payment service.

"We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date, indicated at the top of this Privacy Policy, in which case you will be deemed to have accepted the updated Privacy Policy if you continue to use the Services after the new Privacy Policy takes effect."

Zip can change privacy terms at any time and treats continued use of the service as acceptance of the new terms, giving users no meaningful way to consent to changes.

"For Advertising and Analytics: Zip may share nonpublic personal information with nonaffiliates to market to you. This may include your name, e-mail address, telephone number, IP address or postal address. We may obtain information about you from other sources, such as credit bureaus, consumer reporting agencies, merchant partners you interact with, payment service providers, data analytics providers, marketing or advertising service providers, social media platforms or networks, fraud prevention or identity verification service providers."

Zip shares nonpublic personal information including name, email, phone number, and IP address with non-affiliated third parties for marketing, and also receives data from a wide network of third-party sources.

"If you close your Zip account, we will mark your account in our database as "Closed," but may retain personal information from your account for a certain period of time and disclose it in a manner consistent with our practices under this Privacy Policy for accounts that are not closed. We also may retain personal information from your account to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our User Agreement, or take other actions as required or permitted by law."

After account closure, Zip retains personal information indefinitely with no specified deletion timeline, and continues to treat the data under the same broad usage and sharing practices as active accounts.

"We may combine your personal information with information we collect from other companies and use it to improve and personalize Zip Services, content, and advertising delivered to you and other users. We use these technologies to recognize you as a customer; customize Zip Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud, and to promote trust and safety across our sites and Zip Services."

Zip combines personal information gathered from other companies with its own data to build profiles for personalized advertising, and uses cookies and tracking technologies to recognize and track users across sites and services.

"If you close your Zip account, we will mark your account in our database as "Closed," but may retain personal information from your account for a certain period of time and disclose it in a manner consistent with our practices under this Privacy Policy for accounts that are not closed. We also may retain personal information from your account to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our User Agreement, or take other actions as required or permitted by law."

Closing an account only marks it as 'Closed' in their database — Zip continues to retain and disclose personal information with no defined end date, effectively making deletion meaningless.