Welcome to ZenBills

Thanks for using our products and services ("Services"). The Services are provided by Pingtree LLC as ZenBills ("ZenBills"), 1637 E. Valley Pkwy #237, Escondido Ca 92027.

By using our Services, you are agreeing to these terms. Please read them carefully.

Our Services are very diverse, so sometimes additional terms or product requirements (including age requirements) may apply. Additional terms will be available with the relevant Services, and those additional terms become part of your agreement with us if you use those Services.

1. Terms & Conditions

Terms and Conditions

Agreement between User and Pingtree LLC as ZenBills(“ZenBills”).

Welcome to ZenBills, a provider of ZenBills marketing technology. Pingtree LLC as ZenBills operates https://ZenBills.com, each with various webpages and is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of https://ZenBills.com constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.

ZenBills is a Software-as-a-Service based technology and marketing company. ZenBills engages with customers to help them submit consumer loan requests via the ZenBills technology.

Privacy

Your use of https://ZenBills.com/v5/terms? is subject to ZenBills's Privacy Policy. Please review our Privacy Policy, which also governs the Sites and informs users of our data collection practices.

Electronic Communications

Visiting https://ZenBills.com or sending emails to ZenBills constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your Account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that ZenBills is not responsible for third party access to your account that results from theft or misappropriation of your account. ZenBills and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

Children Under Eighteen

ZenBills does not knowingly collect, either online or offline, personal information from persons under the age of eighteen. Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. The Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use https://ZenBills.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to ZenBills that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of ZenBills or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. ZenBills content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of ZenBills and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of ZenBills or our licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by ZenBills from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the ZenBills Content accessed through https://ZenBills.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless ZenBills, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. ZenBills reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with ZenBills in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regard to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and ZenBills agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. ZenBills, INC ITS SUPPLIERS MAY MAKE IMPROVEMENTS CHANGES IN THE SITE AT ANY TIME. ZenBills, INC ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. ZenBills, INC ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ZenBills, INC ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF ZenBills, INC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

ZenBills reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and ZenBills as a result of this agreement or use of the Site. ZenBills's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of ZenBills's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by ZenBills with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and ZenBills with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and ZenBills with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties that this agreement and all related documents be written in English.

Changes to Terms

ZenBills reserves the right, in its sole discretion, to change the Terms under which https://ZenBills.com is offered. The most current version of the Terms will supersede all previous versions. ZenBills encourages you to periodically review the Terms to stay informed of our updates.

Loan Eligibility Service

In connection with your use of this site, ZenBills shares your Personal Information with Zenbills Inc to provide the loan eligibility service and their related tools and services. You acknowledge that by agreeing to this privacy policy you have also read and agree to Zenbills Inc’s Privacy Policy.

Effective Date: 01/01/2020
Last Reviewed on: 08/01/2020

This Privacy Notice for California Residents supplements the information contained in ZenBills’s Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

Introduction

ZenBills is an award-winning service which connects consumers with a marketplace of third party Lending Partners, financial service providers, credit card providers and debt relief providers. To assist us in providing our award-winning service, we collect and process your information. We work extremely hard to be good stewards of your information at all times. 

This document is here to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete it. 

A. Information We Collect

Personal information you provide to us. Personal information you may provide to us when you use the service such as:

  • Contact data, such as your first and last name, email address, residential address and phone number.
  • Identity data, such as your Social Security number and date of birth.
  • Credit history and loan data, such as your estimated credit score, vehicle and home ownership status and other information.
  • Employment data, such as your employment status, employer name, and income
  • Education data, such as the education level you have obtained.
  • Other information that we may collect which is not specifically listed here, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

Other sources. As part of our service we may receive information from the Partners we connect you with including, but not limited to status of product acceptance and funding, and loan terms offered and obtained (such as APR, repayment amount, loan amount). As part of our service we may also receive information from Transunion when we perform a soft credit check including but not limited to your credit score and profile. We may combine personal information we receive from you with information we obtain from other sources, such as:

  • Data providers, such as credit bureaus and information services.
  • Business partners, third parties, Lending Partners, or affiliates, as well as other information provided to us online or offline by customers or users of ZenBills.us

Automatic Collection. We, our service providers and our third party partners may automatically capture information about you, your computer or mobile device, and your activity over time on the service and other online services, including:

  • Online activity data, such as the date and time of your access, visit or use of the service, and information about your activity on a page or screen.
  • Device data, such as unique device identifier, media access control address, network information, hardware model, browser type, screen resolution, IP address as well as usage and traffic data and information about how the device interacts with the service.

Cookies and Similar Technologies. To assist the services in collecting and storing Non-Personal Information, we may employ a variety of technologies, including “Cookies,” local browser storage and “Web Beacons”:

  • Cookies, A “Cookie” is a small amount of data a website may store in your web browser that it can access when you visit it. A cookie also refers to web-browser-based storage provided by Adobe’s Flash plugin (a “Flash Cookie”). Cookies may contain user preferences, unique identifiers and other Non-Personal Information. See our Cookie Policy for more information on how cookies are used and how to manage your preferences.
  • Web beacons, A “Web Beacon” is a small, usually-transparent image placed on a web page that allows us or our partners to collect non-Personal Information.

How We Use Your Personal Information 

We may use, sell, or disclose the personal information we collect for one or more of the following business purposes listed below. 

Service delivery We may use your personal information to:

  • Provide, deliver, and customize your use of the ZenBills service;
  • Connect you with partners, Lending Partners, aggregators, and/or loan originators and send you service-related information;
  • Communicate with you about the service and to respond to your inquiries, including for Customer support;
  • Send you important information regarding the services, changes to our terms, conditions, and Policies and/or other administrative information.
  • Understand your needs and interests, and personalize your experience with the service and our communications; and
  • Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, 

Research and development. We may use your personal information for research and development purposes, including to perform research and analysis aimed at improving our products and services. We make personal information into anonymous data by removing information that makes the data personally identifiable in order to share it with third parties for our lawful business purposes, including to analyze and improve the service and promote our business.

Marketing and advertising. With your consent, we and our third party advertising partners and business partners may use your personal information for marketing and advertising purposes:

  • Direct marketing. We may send you ZenBills related or other direct marketing communications as permitted by law. You may opt-out of our marketing communications from ZenBills by Unsubscribing. 
  • Interest-based advertising. We may partner with third-party companies to display ads on the service and other sites. These companies may use cookies and similar technologies to try to tailor the ads you see online to your interests based on your activity over time across the service and other sites, or your interaction with our emails. These ads are known as "interest-based advertisements." For more information on these advertisements and to manage your preferences, visit our Terms 

Compliance and protection. We may use your personal information to:

  • Comply with applicable laws, lawful requests, and legal processes, such as to respond to subpoenas or requests from government authorities.
  • Perform debugging to identify and repair errors that impair existing intended functionality
  • Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
  • Enforce the Terms of Service; and
  • Detect security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

For other purposes. We may also use your personal information for other purposes described in this Privacy Policy or at the time we collect the information, as permissible by law. ZenBills will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.       

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How We Share Your Personal Information 

ZenBills may share your personal information with the following parties and as otherwise described in this Privacy Policy or at the time of collection. 

  • Advertisers: Third party companies that we use to advertise our services, and/or deliver ads to you and similar users on their platforms or through email marketing
  • Authorities: Law enforcement, government authorities, privacy parties, and other applicable authorities
  • Business Partners: Third party companies that we partner with to provide content or services to you or to such business partners. Such as affiliates, data brokers, and lending partners (please see our Partner List for more information on our network of lending partners)
  • Internet Cookie Data Recipients
  • Parent or Subsidiary Organizations
  • Professional advisors: Such as professional advisors, lawyers, bankers, auditors or insurers
  • Service providers: Such as credit bureaus and information services.
  • For other purposes: We may also share your personal information for other purposes described in this Privacy Policy or with your consent

Your Choices

  • Marketing communications. To Opt-out of email marketing, email us at accounts@ZenBills.com or submit your email address here. ZenBills will comply with your unsubscribe request within ten days of submission, as required by law. You may continue to receive service-related and other non-marketing emails.
  • Cookies. See our Cookie Policy for more information on how cookies are used and how to manage your preferences.
  • Advertising choices. See our Terms for more information on how to manage your targeted advertising preferences.
  • Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. At this time, ZenBills.us does not respond to "do not track" signals that may be sent from your browser.
  • Declining to provide personal information. If you do not provide certain information that is needed to deliver the ZenBills service, we may not be able to provide you with all or certain features of the service.

Your Rights as a California Resident

As a California resident, you have the rights listed below. These rights are not absolute and subject to certain exceptions; we may decline your request in certain cases as permitted by law.

  • Information. You can request the following information about how we have collected and used your Personal Information during the past 12 months:
    • The categories of Personal Information that we have collected.
    • The categories of sources from which we collected Personal Information.
    • The business or commercial purpose for collecting and/or selling Personal Information.
    • The categories of third parties with whom we share Personal Information.
    • Whether we have disclosed your Personal Information for a business purpose, and if so, the categories of Personal Information received by each category of third party recipient.
    • Whether we’ve sold your Personal Information, and if so, the categories of Personal Information received by each category of third party recipient.
  • Access. You can request a copy of the Personal Information that we have collected about you during the past 12 months. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to forty-five (45) days, we will inform you of the reason and extension period in writing. If applicable, the response we provide will explain the reasons we cannot comply with a request. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
  • Deletion. You can ask us to delete the Personal Information that we have collected from you. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to forty-five (45) days, we will inform you of the reason and extension period in writing. If applicable, the response we provide will explain the reasons we cannot comply with a request.
  •  Opt-out of sales. If we sell your Personal Information, you can opt-out. 
  • Nondiscrimination. You are entitled to exercise the rights described above free from discrimination in the form of legally prohibited increases in the price or decreases in the quality of our service. 

How to exercise your rights. You may exercise your California privacy rights described above as follows:

  • Right to information, access, deletion, and Opt-out. You can request to exercise your information, access, deletion, and Opt-out rights by:

We reserve the right to confirm your identity and California residency status to process your requests to exercise your information, access or deletion rights. As part of this process, government identification may be required. 

B. Personal information that we collect, use and share

The chart below summarizes how we collect, use and share Personal Information by reference to the categories specified in the CCPA, and describes our practices during the 12 months preceding the effective date of this Privacy Policy.

Categories in the chart refer to the categories described above in the general section of this Privacy Policy. If a category of information is not listed within the chart (such as Biometric Information or Inferences) then those categories of information are not collected by ZenBills. 

Category of personal information (PI) (definitions here

PI we collect

Source of PI

 Business purpose for collection

Categories of third parties to whom we may “disclose” PI for a business purpose

Categories of third parties to whom we “sell” PI

Identifiers

Contact data

Identity data

 

You

Data providers

Business Partners

 

Service delivery

Marketing and advertising

Compliance and protection

 

Advertising partners

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

Service providers

 

Business partners

Commercial Information

Credit information and loan data

Property data

Online activity data

 

You

Data providers

Business Partners

Automatic collection

 

Service delivery

Research and development

Marketing and advertising

Compliance and protection

 

Affiliates

Authorities

Business Partners

Internet Cookie Data Recipients

Parent or Subsidiary Organizations

Service Providers

 

Business partners

Financial Information

Credit information and loan data

 

You

Data providers

Business Partners

 
 

Service delivery

Research and development

Marketing

Compliance and Operations

 
 
 

Authorities

Parent or Subsidiary Organizations

Partners

Professional advisors

Service providers

 
 
 

Business partners

Online Identifiers

Contact data

Device data

Online activity data

 
 

You

Automatic Collection

Business Partners

 

Service delivery

Research and development

Marketing and advertising

Compliance and protection

 

Advertising partners

Authorities

Business partners

Business transferees

Parent or Subsidiary Organizations

Professional advisors

Service providers

 

Business partners

Internet or Network Information

Device data

Online activity data

 
 

Automatic collection

Service delivery

Research and development

Marketing and advertising

Compliance and protection

 

Parent or Subsidiary Organizations

None

Professional or Employment Information

Employment data

You

Service delivery

Research and development

Compliance and protection

 

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

 

Business partners

Protected Classification Characteristics

Eligibility data

Identity Data

 

You

Data providers

Business Partners

 

Service delivery

Compliance and protection

 

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

Service providers

 

Business partners

Education Information

Education data (highest level of education)

You

Service delivery

Research and development

Compliance and protection

 

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

 

Business partners

Other California Privacy Rights

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to Support@ZenBills.com or write to us at: 1637 E. Valley PKWY, Escondido Ca 92027. 

2. Privacy and copyright protection

Protecting your private information is our priority. This Statement of Privacy applies to https://ZenBills.com and Pingtree LLC as ZenBills and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Pingtree LLC as ZenBills include https://ZenBills.com, ZenBills, ZenBills and https://ZenBills.com. The ZenBills website is a loan search matching tool to connect individuals with offers from US based Lending Partners and affiliates. By using the ZenBills website, you consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, ZenBills may collect personally identifiable information, such as your:

  • First and Last Name
  • Mailing Address
  • E-mail Address
  • Phone Number

If you purchase ZenBills's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of your Personal Information

ZenBills collects and uses your personal information to operate its website(s) and deliver the services you have requested.

ZenBills may also use your personally identifiable information to inform you of other products or services available from ZenBills and its affiliates.

Sharing Information with Third Parties

ZenBills does not sell, rent or lease its customer lists to third parties.

ZenBills may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. ZenBills may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to ZenBills, and they are required to maintain the confidentiality of your information.

ZenBills may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on ZenBills or the site; (b) protect and defend the rights or property of ZenBills; and/or (c) act under exigent circumstances to protect the personal safety of users of ZenBills, or the public.

Tracking User Behavior

ZenBills may keep track of the websites and pages our users visit within ZenBills, in order to determine what ZenBills services are the most popular. This data is used to deliver customized content and advertising within ZenBills to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by ZenBills. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the ZenBills website.

Use of Cookies

The ZenBills website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize ZenBills pages, or register with ZenBills site or services, a cookie helps ZenBills to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same ZenBills website, the information you previously provided can be retrieved, so you can easily use the ZenBills features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the ZenBills services or websites you visit.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Security of your Personal Information

ZenBills secures your personal information from unauthorized access, use, or disclosure. ZenBills uses the following methods for this purpose:

  • SSL Protocol

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Children Under Eighteen

ZenBills does not knowingly collect personally identifiable information from children under the age of eighteen. If you are under the age of eighteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe from Third Party Communications

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of ZenBills by contacting us here:

  • Web page: _________________
  • Email: Optout@ZenBills.com
  • Phone: _________________

E-mail Communications

From time to time, ZenBills may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from ZenBills or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from ZenBills, you may Opt-out of such communications by Customers may unsubscribe from emails by "replying STOP" or "clicking on the UNSUBSCRIBE button.

External Data Storage Sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

ZenBills reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Loan Eligibility Service

In connection with your use of this site, ZenBills shares your Personal Information with Zenbills Inc to provide the loan eligibility service and their related tools and services. You acknowledge that by agreeing to this privacy policy you have also read and agree to Zenbills Inc’s Privacy Policy.

3. Electronic Consent

Please read this information carefully and print a copy and/or retain this information for future reference.

By utilizing this website and clicking the “submit” button, you are submitting a request to be connected with one of our third-party advertisers or Lending Partners, collectively “third parties.” In order to attempt to connect you with an entity mentioned above, that may offer you a financial product or service, the third parties need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This policy notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy, and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records.

If you are connected with a Zenbill, and said Zenbill determines that you are a potential candidate for a financial product or loan, and said Zenbill offers you an electronic copy of any pertinent Disclosures related to that loan, you may, at any time, request any Disclosures in paper form by contacting the third party Zenbill directly. Depending on the specific Disclosure request to the Zenbill, the Zenbill may be able to provide these Disclosures to you at no or minimal charge. Each third party shall retain all Disclosures as required by any applicable laws to the specific transaction.

Scope of Consent.

This E-Consent Policy applies to all interactions online concerning you, and the third party Zenbill or Advertiser, and includes those interactions engaged in on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. By exercising this E-Consent, the third party may process your information and interact during all online interactions with you electronically. The third party may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at ZenBills.com or the third party websites, and may be provided by e-mail. See above for guidance on how to request paper copies.

Consenting to Do Business Electronically.

Before you decide to do business electronically with the third party advertiser, you should consider whether 1. You wish to conduct business electronically, and 2. You have the required hardware and software capabilities described below.

Hardware and Software Requirements.

To both access and retain the Disclosures electronically, at a minimum, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an electronic mail (e-mail) account, and an Internet Browser software program that supports at least 256-BIT encryption, including but not limited to, Microsoft® Internet Explorer, Google Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the specific hardware and software requirements directly to the third party Zenbill or advertiser.

Withdrawing Consent.

If you are connected with one or more third-party Lending Partners, you are free to withdraw your E-Consent with those third-parties at any time, and at no charge. However, if you withdraw this E-Consent before being connected with the third party Zenbill, you may be prevented from obtaining an offer from the third party as this consent is required, for this one time transaction, to facilitate the connection and to conduct business. Contact the third-party Zenbill directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.

Change to Your Contact Information.

You should keep third party advertisers informed of any change in either your electronic address or physical mailing address. Your Zenbill will have specific instructions on how to update your contact information, if necessary. Please note that ZenBills.com cannot update your information for you.

Your Ability to Access Disclosures.

By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.

4. TCPA Privacy Policy

Notwithstanding any current or prior election to opt in or Opt-out of receiving telemarketing calls or SMS messages (including text messages) from ZenBills, our agents, representatives, affiliates, marketing partners, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree ZenBills may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.

You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from ZenBills, our agents, representatives, affiliates, marketing partners or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number.

Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that ZenBills and our marketing partners may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.

5. California Consumer Privacy Act

ZenBills Privacy Notice for California Residents

Effective Date: 01/01/2020
Last Reviewed on: 08/01/2020

This Privacy Notice for California Residents supplements the information contained in ZenBills Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

Introduction

ZenBills is an award-winning service which connects consumers with a marketplace of third party Lending Partners, financial service providers, credit card providers and debt relief providers. To assist us in providing our award-winning service, we collect and process your information. We work extremely hard to be good stewards of your information at all times. 

This document is here to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete it. 

Information We Collect

The Personal information you provide to us. Personal information you may provide to us when you use the service such as:

  • Contact data, such as your first and last name, email address, residential address and phone number.
  • Identity data, such as your Social Security number and date of birth.
  • Credit history and loan data, such as your estimated credit score, vehicle and home ownership status and other information.
  • Employment data, such as your employment status, employer name, and income
  • Education data, such as the education level you have obtained.
  • Other information that we may collect which is not specifically listed here, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

Other sources. As part of our service we may receive information from the Partners we connect you with including, but not limited to status of product acceptance and funding, and loan terms offered and obtained (such as APR, repayment amount, loan amount). As part of our service we may also receive information from Transunion when we perform a soft credit check including but not limited to your credit score and profile. We may combine personal information we receive from you with information we obtain from other sources, such as:

  • Data providers, such as credit bureaus and information services.
  • Business partners, third parties, Lending Partners, or affiliates, as well as other information provided to us online or offline by customers or users of ZenBills.com

Automatic Collection. We, our service providers and our third party partners may automatically capture information about you, your computer or mobile device, and your activity over time on the service and other online services, including:

  • Online activity data, such as the date and time of your access, visit or use of the service, and information about your activity on a page or screen.
  • Device data, such as unique device identifier, media access control address, network information, hardware model, browser type, screen resolution, IP address as well as usage and traffic data and information about how the device interacts with the service.

Cookies and Similar Technologies. To assist the services in collecting and storing Non-Personal Information, we may employ a variety of technologies, including “Cookies,” local browser storage and “Web Beacons”:

  • Cookies, A “Cookie” is a small amount of data a website may store in your web browser that it can access when you visit it. A cookie also refers to web-browser-based storage provided by Adobe’s Flash plugin (a “Flash Cookie”). Cookies may contain user preferences, unique identifiers and other Non-Personal Information. See our Cookie Policy for more information on how cookies are used and how to manage your preferences.
  • Web beacons, A “Web Beacon” is a small, usually-transparent image placed on a web page that allows us or our partners to collect non-Personal Information.

How We Use Your Personal Information 

We may use, sell, or disclose the personal information we collect for one or more of the following business purposes listed below. 

Service delivery We may use your personal information to:

  • Provide, deliver, and customize your use of the ZenBills service;
  • Connect you with partners, Lending Partners, aggregators, and/or loan originators and send you service-related information;
  • Communicate with you about the service and to respond to your inquiries, including for Customer support;
  • Send you important information regarding the services, changes to our terms, conditions, and Policies and/or other administrative information.
  • Understand your needs and interests, and personalize your experience with the service and our communications; and
  • Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, 

Research and development. We may use your personal information for research and development purposes, including to perform research and analysis aimed at improving our products and services. We make personal information into anonymous data by removing information that makes the data personally identifiable in order to share it with third parties for our lawful business purposes, including to analyze and improve the service and promote our business.

Marketing and advertising. With your consent, we and our third party advertising partners and business partners may use your personal information for marketing and advertising purposes:

  • Direct marketing. We may send you ZenBills related or other direct marketing communications as permitted by law. You may opt-out of our marketing communications from ZenBills by Unsubscribing. 
  • Interest-based advertising. We may partner with third-party companies to display ads on the service and other sites. These companies may use cookies and similar technologies to try to tailor the ads you see online to your interests based on your activity over time across the service and other sites, or your interaction with our emails. These ads are known as "interest-based advertisements." For more information on these advertisements and to manage your preferences, visit our Terms 

Compliance and protection. We may use your personal information to:

  • Comply with applicable laws, lawful requests, and legal processes, such as to respond to subpoenas or requests from government authorities.
  • Perform debugging to identify and repair errors that impair existing intended functionality
  • Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
  • Enforce the Terms of Service; and
  • Detect security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

For other purposes. We may also use your personal information for other purposes described in this Privacy Policy or at the time we collect the information, as permissible by law. ZenBills will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.       

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How We Share Your Personal Information 

ZenBills may share your personal information with the following parties and as otherwise described in this Privacy Policy or at the time of collection. 

  • Advertisers: Third party companies that we use to advertise our services, and/or deliver ads to you and similar users on their platforms or through email marketing
  • Authorities: Law enforcement, government authorities, privacy parties, and other applicable authorities
  • Business Partners: Third party companies that we partner with to provide content or services to you or to such business partners. Such as affiliates, data brokers, and lending partners (please see our Partner List for more information on our network of lending partners)
  • Internet Cookie Data Recipients
  • Parent or Subsidiary Organizations
  • Professional advisors: Such as professional advisors, lawyers, bankers, auditors or insurers
  • Service providers: Such as credit bureaus and information services.
  • For other purposes: We may also share your personal information for other purposes described in this Privacy Policy or with your consent

Your Choices

  • Marketing communications. To Opt-out of email marketing, email us at Accounts@ZenBills.com or submit your email address here. ZenBills will comply with your unsubscribe request within ten days of submission, as required by law. You may continue to receive service-related and other non-marketing emails.
  • Cookies. See our Cookie Policy for more information on how cookies are used and how to manage your preferences.
  • Advertising choices. See our Terms for more information on how to manage your targeted advertising preferences.
  • Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. At this time, ZenBills.com does not respond to "do not track" signals that may be sent from your browser.
  • Declining to provide personal information. If you do not provide certain information that is needed to deliver the ZenBills service, we may not be able to provide you with all or certain features of the service.

Your Rights as a California Resident

As a California resident, you have the rights listed below. These rights are not absolute and subject to certain exceptions; we may decline your request in certain cases as permitted by law.

  • Information. You can request the following information about how we have collected and used your Personal Information during the past 12 months:
    • The categories of Personal Information that we have collected.
    • The categories of sources from which we collected Personal Information.
    • The business or commercial purpose for collecting and/or selling Personal Information.
    • The categories of third parties with whom we share Personal Information.
    • Whether we have disclosed your Personal Information for a business purpose, and if so, the categories of Personal Information received by each category of third party recipient.
    • Whether we’ve sold your Personal Information, and if so, the categories of Personal Information received by each category of third party recipient.
  • Access. You can request a copy of the Personal Information that we have collected about you during the past 12 months. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to forty-five (45) days, we will inform you of the reason and extension period in writing. If applicable, the response we provide will explain the reasons we cannot comply with a request. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
  • Deletion. You can ask us to delete the Personal Information that we have collected from you. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to forty-five (45) days, we will inform you of the reason and extension period in writing. If applicable, the response we provide will explain the reasons we cannot comply with a request.
  •  Opt-out of sales. If we sell your Personal Information, you can opt-out. 
  • Nondiscrimination. You are entitled to exercise the rights described above free from discrimination in the form of legally prohibited increases in the price or decreases in the quality of our service. 

How to exercise your rights. You may exercise your California privacy rights described above as follows:

  • Right to information, access, deletion, and Opt-out. You can request to exercise your information, access, deletion, and Opt-out rights by:

We reserve the right to confirm your identity and California residency status to process your requests to exercise your information, access or deletion rights. As part of this process, government identification may be required. 

Personal information that we collect, use and share.

The chart below summarizes how we collect, use and share Personal Information by reference to the categories specified in the CCPA, and describes our practices during the 12 months preceding the effective date of this Privacy Policy.

Categories in the chart refer to the categories described above in the general section of this Privacy Policy. If a category of information is not listed within the chart (such as Biometric Information or Inferences) then those categories of information are not collected by ZenBills. 

Category of personal information (PI) (definitions here)

PI we collect

Source of PI

 Business purpose for collection

Categories of third parties to whom we may “disclose” PI for a business purpose

Categories of third parties to whom we “sell” PI

Identifiers

Contact data

Identity data

 

You

Data providers

Business Partners

 

Service delivery

Marketing and advertising

Compliance and protection

 

Advertising partners

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

Service providers

 

Business partners

Commercial Information

Credit information and loan data

Property data

Online activity data

 

You

Data providers

Business Partners

Automatic collection

 

Service delivery

Research and development

Marketing and advertising

Compliance and protection

 

Affiliates

Authorities

Business Partners

Internet Cookie Data Recipients

Parent or Subsidiary Organizations

Service Providers

 

Business partners

Financial Information

Credit information and loan data

 

You

Data providers

Business Partners

 
 

Service delivery

Research and development

Marketing

Compliance and Operations

 
 
 

Authorities

Parent or Subsidiary Organizations

Partners

Professional advisors

Service providers

 
 
 

Business partners

Online Identifiers

Contact data

Device data

Online activity data

 
 

You

Automatic Collection

Business Partners

 

Service delivery

Research and development

Marketing and advertising

Compliance and protection

 

Advertising partners

Authorities

Business partners

Business transferees

Parent or Subsidiary Organizations

Professional advisors

Service providers

 

Business partners

Internet or Network Information

Device data

Online activity data

 
 

Automatic collection

Service delivery

Research and development

Marketing and advertising

Compliance and protection

 

Parent or Subsidiary Organizations

None

Professional or Employment Information

Employment data

You

Service delivery

Research and development

Compliance and protection

 

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

 

Business partners

Protected Classification Characteristics

Eligibility data

Identity Data

 

You

Data providers

Business Partners

 

Service delivery

Compliance and protection

 

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

Service providers

 

Business partners

Education Information

Education data (highest level of education)

You

Service delivery

Research and development

Compliance and protection

 

Authorities

Business partners

Parent or Subsidiary Organizations

Professional advisors

 

Business partners

Other California Privacy Rights

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to Support@ZenBills.com or write to us at: 1637 E. Valley PKWY, Escondido Ca 92027. 

6. Advertiser Disclosure

ZenBills is completely free to use, we will never charge you a fee for our service.

Instead, ZenBills may receive a fee or commission for introductions to its partners.

Using ZenBills does not impact your interest rates and ZenBills does not influence where and how Zenbill offers appear on your results page.

ZenBills cannot guarantee that all Lending Partners or all types of loan offers in the marketplace will be available at the time you are using our service.

The underwriting criteria necessary for approval is determined by the Lending Partners (not ZenBills) and it is imperative that you review each Zenbill’s terms and conditions before proceeding with a request for a loan.

You must determine which loan works for you and your personal financial situation. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion.

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