Last Updated: August 2025

ZELON DEV, Inc. (“ZELON,” “we,” or “our”) is committed to protecting your privacy. This policy explains how we collect, use, share, and safeguard your personal data when you use our mobile app, financial services, and related platforms.

Data Controller

• Name: ZELON DEV, Inc.

• Address: dELAWARE

• Email: privacy@zelon.com

• Activity: Interest-free credit services and merchant integrations

1. Data We Collect

We collect the following categories of personal data:

• Identification and registration: email, phone number, password, user ID, government-issued ID and selfie for verification

• Location data: approximate GPS/network location to show nearby merchants and offers

• Third-party login: Facebook or OAuth login (with your permission)

• Analytics and usage: app events, screen views, errors (via Amplitude)

• Social features: contact list (with consent) for referrals

• Messaging: name, email, phone number used via SendGrid (email) and Twilio (SMS)

• Device permissions: camera, gallery, contacts, push notifications, biometrics (FaceID/TouchID), local storage

• Platform data: app version, device model, operating system, usage events

• External content: Google Fonts and Google Maps

• Financial data: purchase history, payment methods (e.g., Zelle), installment amounts

2. How We Use Your Data

We use your data to:

• Provide and personalize ZELON services

• Manage account registration and credit eligibility

• Send payment reminders and marketing communications

• Analyze app performance and user behavior

• Enable social features and referrals

• Prevent fraud and ensure platform security

• Comply with legal obligations

3. Automated Decisions and Profiling

We use algorithms to assess credit eligibility and detect fraud. You have the right to request an explanation of automated decisions, ask for human review, and withdraw consent where applicable.

4. Push Notifications and Local Storage

We send push notifications for payments, offers, and updates. You can disable them in your device settings. Local storage is used to save preferences without expiration.

5. Cookies and Trackers

We use cookies, SDKs, and similar technologies to:

• Remember user preferences

• Measure app usage

• Enable basic functionality

• Analyze user behavior (Google Analytics with anonymized IP)

• Personalize advertising (opt-out available via device settings)

6. Legal Basis (U.S. Compliance)

Our data processing is based on:

• Contractual necessity: managing your account and credit

• Consent: marketing, contacts, biometrics, social login

• Legitimate interest: fraud detection, service improvement

• Legal obligation: financial data retention (e.g., FinCEN, IRS)

7. Data Sharing

We share data only when necessary:

• Service providers: Hostinger (hosting), Twilio (SMS), SendGrid (email), Amplitude (analytics)

• Merchant partners: for order validation

• Legal authorities: when required by law

• Corporate transactions: in case of merger or acquisition

We do not sell your personal data. All third parties are contractually bound to protect your information.

8. Data Retention

We retain your data as follows:

• Active accounts: while services are used

• Inactive accounts: 3 years after last transaction

• Legal retention: 5+ years for financial records

After retention periods, data is securely deleted or anonymized.

9. Your Rights

You may request:

• Access and portability of your data

• Correction of inaccurate data

• Deletion of non-essential data

• Opt-out from marketing and automated decisions

• Non-discrimination for exercising your rights

To exercise your rights, contact us at privacy@zelon.com or use the in-app support chat. We respond within 30 days.

10. Children’s Privacy

ZELON services are intended for users aged 18 and older. We do not knowingly collect data from children under 13 (COPPA compliant). If you suspect a minor has registered, contact us immediately.

11. Data Security

We implement strong safeguards:

• Encryption: TLS 1.3 (in transit), AES-256 (at rest)

• Biometric data: stored locally on device

• Audits: regular penetration testing, PCI DSS compliance

• Vendor contracts: NIST/ISO 27001 standards

12. Policy Updates

We notify users of major changes via push notifications and email (if rights are affected). The latest version is always available at zelon.app/returns

13. Contact Us

ZELON DEV, Inc.
Delaware
Email: privacy@zelon.com

We are committed to protecting your data while expanding fair access to credit. Thank you for trusting ZELON.

ZELON Privacy Policy