Instructions for Serving Subpoenas, Court Orders and Search Warrants on Early Warning Services, LLC

**Please read the information below thoroughly. These instructions apply to service of third-party subpoenas upon Early Warning Services, LLC ("Early Warning") in matters to which Early Warning is not a party. Service of process for other legal documents, including civil complaints, or documents to be served upon employees of Early Warning, is not accepted at the address and/or email listed in Section IV below, and should instead be served on our Registered Agent for service of process: CORPORATION SERVICE COMPANY, INC. You can find the most update address for Corporation Service Company, Inc. in your state by going to: CSC Agent Office Addresses | CSC.

I. SUBPOENAS, COURT ORDERS, AND SEARCH WARRANTS

A. Service of Subpoenas.

Subpoenas, court orders, and search warrants requesting records (collectively referred to below as a "subpoena" or "subpoenas") received from federal, state and local law enforcement agencies, courts and regulatory agencies in the United States can be served on Early Warning Services, LLC ("Early Warning") by sending the subpoena via EWS secure email at subpoena@earlywarning.com OR our Registered Agent for service of process: CORPORATION SERVICE COMPANY, INC. You can find the most update address for Corporation Service Company, Inc. in your state by going to: CSC Agent Office Addresses | CSC.

Subpoenas sent via email or facsimile will not be accepted by CORPORATION SERVICE COMPANY, INC. Questions about serving a document must be directed to the contact in Section IV below, and not to CORPORATION SERVICE COMPANY, INC.

B. Processing of Subpoenas.

1. All subpoenas must include:

1. The full name, title, mailing address, email address, and phone number of the person and/or entity issuing the subpoena; and
2. The full name, title, mailing address, email address and phone number of the person to whom responsive documents should be sent.
3. Payment of fees applicable in the relevant jurisdiction, made payable to: Early Warning Services, LLC.
4. Subpoenas lacking the above information will not be accepted.

2. Subpoenas requesting file disclosure information are subject to the Fair Credit Reporting Act ("FCRA") and must:

1. Comply with relevant provisions of the FCRA, including 15 U.S.C. § 1681b.
2. Contain information sufficient to identify responsive information (e.g. full name, address, date of birth, social security number, etc.).
3. Subpoenas lacking sufficient identifying information or permissible purpose under the FCRA will not be accepted.

3. Subpoenas requesting Zelle® payment transaction information must:

1. Include enrollment information (phone number or email address) associated with either the sender or recipient of the payment, or provide the applicable Zelle® transaction/payment ID(s) (12-character alphanumeric identifier).
2. Subpoenas lacking enrollment information will not be accepted.

II. SERVICE OF CIVIL ACTIONS 

1. These instructions do not apply to:

• Service of civil actions against Early Warning or its subsidiaries;
• Requests for File Disclosures by or on behalf of individuals. Please visit https://www.earlywarning.com/consumer-information for information about File Disclosures.

2. Service of process for civil matters must be made pursuant to the rules applicable to the jurisdiction in which the matter is pending.

III. RESPONSE TIME

1. Early Warning will typically respond to subpoenas within 30-40 days of receipt; however, this also may vary depending upon the scope of the request and the type of information requested.

2. Early Warning reserves the right to object to subpoenas that are invalid, overly broad, unduly burdensome, vague or implicate privacy, legal privilege or other legal concerns.

IV. CONTACT INFORMATION

For questions regarding subpoenas, please contact Subpoena Processing at:

Early Warning Services, LLC
Attn: Subpoena Processing
5801 N Pima Rd
Scottsdale, AZ 85250
Email: subpoena@earlywarning.com

For questions regarding legal documents, please contact Litigation Support at:

Early Warning Services, LLC
Attn: Litigation Support
5801 N Pima Rd
Scottsdale, AZ 85250
Email: Paralegal@earlywarning.com

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Welcome to the Zelle Network® website, applications, mobile apps, and other tools (the "Site"). Thank you for visiting and learning more about Zelle®!

It is important to us that you, and our other visitors, have a special experience while using the Site and that when you use this Site you are fully aware of your respective legal rights and obligations. For that reason, we have created these Terms of Use ("Terms") as the legally binding terms to govern your use of this Site. PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SITE, BECAUSE THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS.

The registration and use of Zelle® services shall be subject to the separate terms and conditions of the Zelle Network® User Service Agreement, as modified from time to time.

Contents & Summary

• You accept these Terms - Each time you access and/or use the Site, you agree to be bound by these Terms and any additional terms that will apply to you.
• Updates to Terms - These Terms and additional terms posted on this Site at each time of use apply to that use, prospectively. You agree that we may provide notice to you of updated terms by posting them on the Site.
• Legal Capacity - You represent that you have the legal capacity to enter into the agreement set out in these Terms.
• Age - You represent that you are at least eighteen (18) years of age.
• You Must Provide Accurate Information - The information you submit to the Site must be correct. We can refuse access to the Site if we learn that information you have provided is inaccurate.
• Online Privacy Notice - You agree to the terms of our Privacy Policy.
• Internet Browsers - We support only certain internet browsers.
• Disclaimer of Warranties - We disclaim warranties and provide the Site "As Is."
• Limitation of Liability - Our liability is limited.
• Intellectual Property and Your Use of Material - This Site is protected by copyrights, patents, trade secrets or other proprietary rights.
• Unsolicited Idea Submission Policy - We do not accept, consider, or review any unsolicited submissions.
• Invited Submissions - From time to time, we may invite you to submit content to the Site. We will not pay for invited submissions.
• Claims of Infringement - If you believe that any content appearing on this Site infringes on your copyrights or any other intellectual property rights, we want to hear from you. Please email copyright@earlywarning.com
• Responsible Use of Site - You may only use the Site for lawful purposes.
• Release - You release us from any claims relating to third-parties.
• System Abuse - You may not abuse the system.
• Security - Your usernames and passwords for this Site are for your use only and you are responsible for their security.
• Violation of Security Systems - You may not tamper with this Site, the system for the Site or the accounts of others.
• Investigations - Zelle® reserves the right to investigate suspected violations of these Terms.
• Service - In order to use this Site, you must obtain access to the World Wide Web and pay any related fees for same. We are not responsible for your access to the Site.
• Reservation of Rights - Zelle® may modify or discontinue this Site at any time.
• Local Regulations - Zelle® makes no representation that the Site is available for use outside of the United States.
• Third-Party Sites - We are not responsible for third parties or their content, advertisements, apps or sites.
• Proprietary Online Services - Any area of this Site that is accessed through any proprietary online service is subject to the rules, policies and guidelines of such service.
• Jurisdictional Issues - The Site is designed to provide information regarding products in the United States.
• Choice of Law - Delaware law will apply to these Terms.
• How to Contact Us - Zelle® owns and operates this Site. You can contact us at customerservice@zellepay.com
• General - If any portion of this agreement is deemed unenforceable, the remaining provisions will survive.

You Accept These Terms - If you do not agree with any of these Terms, including the Privacy Policy incorporated herein, please do not use this Site. By using this Site you will be deemed to have irrevocably agreed to these Terms. Some areas of this Site may be subject to additional terms and conditions, which you should read carefully before making any use of those areas. Such additional terms will not change or replace these Terms regarding use of this Site, unless otherwise expressly stated.

Updates to Terms - Please note that these Terms may be revised and reissued, prospectively by posting updated terms on this Site. You consent and agree to receive notices of updates of these Terms through postings of the updated Terms on our Site. You should visit this page regularly to review the current terms. Your continued use of the Site will be deemed as irrevocable acceptance of any revisions.

Legal Capacity - This is a general audience Site for adults. We will assume (and by using this Site you represent that) you have legal capacity to enter into the agreement set out in these Terms (i.e., that you are of sufficient age and mental capacity and are otherwise entitled to be legally bound in contract).

Age - You represent that you are at least eighteen (18) years of age.

The Information You Give Us Must Be Correct - To access this Site or some of the resources it has to offer, you may be asked to provide registration details. It is a condition of use of this Site that all the details you provide be correct, current, and complete. If we believe the details are not correct, current, or complete, we have the right to refuse you access to the Site, or any of its resources, and to terminate or suspend your account.

Online Privacy Notice - Your privacy is important to us. To better protect your privacy, we provide a notice explaining our online information practices and the choices you can make about the way your information is collected and used at this site. Click here to show this notice, which forms part of these Terms.

Internet Browsers - Our sites perform best with the latest browser technologies.

Disclaimer of Warranties - YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE SITE AND ALL THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES AND OTHER CONTENT IN THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSION PURSUANT TO APPLICABLE LAW, THE SITE, EARLY WARNING SERVICES, LLC, THE NETWORK OPERATOR OF ZELLE®, THE ZELLE® NETWORK, AND ANY AFFILIATES (THE “ZELLE® NETWORK”), DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. THE ZELLE® NETWORK DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS SITE WILL BE AVAILABLE, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE ZELLE® NETWORK DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES OR OTHER CONTENT ON THE SITE OR ANY WEB SITES LINKED TO THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE ZELLE® NETWORK MAKES NO WARRANTIES THAT YOUR USE OF THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICE OR OTHER CONTENT IN THE SITE OR ANY WEB SITE WILL NOT INFRINGE THE RIGHTS OF OTHERS AND THE ZELLE® NETWORK ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICE OR OTHER CONTENT OF THE SITE OR ANY OTHER WEB SITE. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF SOME OR ALL OF THE ABOVE IMPLIED WARRANTIES TO APPLY TO YOU, THE ABOVE EXCLUSIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.

ALL RIGHTS, OBLIGATIONS AND COVENANTS OF THE ZELLE® NETWORK AND ANY ZELLE® CUSTOMER WITH RESPECT TO ANY ZELLE® PRODUCT OR SERVICE SHALL BE SUBJECT TO THE TERMS AND CONDITIONS OF A USER SERVICE AGREEMENT. IF THERE IS ANY CONFLICT BETWEEN THESE TERMS AND THE USER SERVICE AGREEMENT, THE USER SERVICE AGREEMENT WILL CONTROL.

Limitation of Liability - IN NO EVENT WILL THE ZELLE® NETWORK, ITS OWNERS, DIRECTORS, OFFICERS OR AGENTS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) THE USE OF OR INABILITY TO USE THE WEBSITE OR ITS CONTENT, (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE WEBSITE, THE PRODUCTS OR SERVICES DESCRIBED OR THE CONTENT, OR (III) ANY OTHER MATTER RELATING TO THE WEBSITE, THE PRODUCTS OR SERVICES DESCRIBED, OR THE CONTENT, EVEN IF THE ZELLE® NETWORK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE WEBSITE, THE CONTENT OR WITH THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE. IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF THE ZELLE® NETWORK, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED $100.00.

Intellectual Property and Your Use of Material - All content available on this Site, including but not limited to text, graphics, Trademarks, images, videos, software, audio clips, data compilations, and other materials (collectively referred to as “Material”), is the property of Network Operator, its licensors, or its providers and is protected by United States and international copyright, trademark, patent, and other intellectual property laws.

These Terms or the use of this Site do not transfer or assign any right, title, or interest in any Material, including but not limited to copyrights, trademarks, patents, or other proprietary rights, to the user. All intellectual property rights associated with the Site, its Material, and any related content remain the exclusive property of the Site owner or its licensors. Users are granted a limited, non-exclusive, non-transferable license to access and use the site for personal, non-commercial purposes only, subject to the terms set forth in these Terms of Use. Nothing in these Terms shall be construed as granting, by implication, estoppel, or otherwise, any right, title, interest under any intellectual property right of Network Operator.

The trademarks, service marks, and logos (collectively “Trademarks”) used and displayed on the Site are registered and unregistered trademarks of the Network Operator, its affiliates, or third-party licensors. You are prohibited from using any of the Trademarks displayed on the Site in any manner that may infringe upon the rights of the Network Operator or any third party, including but not limited to those of any of the Zelle® network’s U.S. financial institution customers (“Network Banks”). Zelle® is independent of its Network Banks, and terms of any agreement between you and a Network Bank has no bearing, effect, or relation to these Terms.

Network Operator reserves the right to take action as it deems appropriate to protect its consumers and the general public by enforcing proper usage of its brand assets.

Zelle network Material such as images, text, publications, videos, software, and the like are owned by (1) Network Operator of Zelle®, or (2) third parties who authorized Network Operator to use such Material. Network Operator cannot provide authorization to use content or material that is owned by third parties. As far as the subject Material here is concerned, you may only copy, reproduce, modify, distribute, display, license, or sell said Material if you are granted express permission by Network Operator in writing.

For any use of copyrighted Material under the fair use exception, please consult counsel of your choice. If you are interested in using Zelle network copyrighted Material in third party works such as books, videos, publications, etc., please email us at copyright@earlywarning.com. Upon receipt of your request, we may require additional information.

Subject to your compliance with these Terms, Network Operator grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site solely for personal and non-commercial purposes. You may not use, copy, reproduce, distribute, transmit, broadcast, display, or otherwise exploit this Site, Materials, or any part of it without the express written permission of Network Operator. Any authorization to copy Material granted by Network Operator in any part of this Site for any reason, is restricted to making a single copy on a single device solely for personal and non-commercial purposes, provided that all copyright and proprietary notices are kept not modified, removed, or otherwise altered.

Unsolicited Idea Submission Policy - The Zelle network is interested in hearing from you regarding your questions or comments about our Site. However, the Zelle network or any of its employees, or otherwise agents, do not accept, consider, or review any unsolicited concepts, ideas, works, proposals, works, suggestions, artwork, content, or the like, no matter the intended purpose or utility, including, without limitation, for marketing strategies, advertising campaigns, promotions, products, services, technologies, product enhancements or modifications, as well as product or service names, content, or creative materials (collectively, “Submissions”). As such, please do not send or provide Submissions for the Zelle network’s consideration in any form or medium to the Zelle network or any of its employees, including any agents, contractors, and consultants.

This strict policy ensures the avoidance of potential disputes or misunderstandings in the event Zelle® related content, materials, products, services, and the like potentially appear similar to Submissions sent or provided to the operator of the Zelle network. Despite this policy and request, if you still move forward with sending or otherwise providing us with your Submissions, then the following terms will apply regardless of the contents of your Submission in its entirety (including any contrary correspondence accompanying your Submission): 

Terms of Unsolicited Idea Submission

You, by submitting the relevant Submission, agree that:

1. You are authorized to make the Submission, and that your Submission does not include any confidential information, proprietary know-how, trade secrets, or other intellectual property rights of any third party.
2. You expressly acknowledge and represent that you had a full and fair opportunity to review and consult these terms herein with counsel of your choice.
3. Acceptance of your Submission imposes absolutely no obligations on the operator of the Zelle network, including, without limitation:
   
   a. The Zelle network will not have any obligation to acknowledge or review your Submission, or otherwise respond to you in any way regarding your Submission; and
   b. The Zelle network will not be subject to confidentiality or have any obligation to keep your Submission confidential, and may, in its discretion, publish or publicly disclose your Submission in any form.
    
4. Your Submission, its content, and any derivatives, modifications, or enhancements thereof, automatically become the property of , without any compensation of any kind owed to you.
5. The Zelle network may use or redistribute your Submission, its content, and any derivatives, modifications, or enhancements thereof, for any purpose and in any form (including, without limitation, in new Zelle network products and services, or modifications/enhancements of existing Zelle network products and services).
    

Invited Submissions - From time to time, areas on this Site may expressly request submissions of concepts, stories, or other potential content from you ("Invited Submissions"). Where this is the case, please carefully read any specific rules or other terms and conditions which appear elsewhere on this Site to govern those submissions ("Additional Terms"), as they will affect your legal rights. If no Additional Terms govern those submissions, then these Terms will apply in full to any Invited Submissions you make. IN ANY EVENT, ANY MATERIAL YOU SEND TO US WILL NOT BE TREATED AS CONFIDENTIAL, EXCEPT WE WILL TREAT YOUR PERSONALLY IDENTIFIABLE INFORMATION, YOUR BANK ACCOUNT INFORMATION AND YOUR TRANSACTIONS INFORMATION AND DATA AS CONFIDENTIAL. Regardless of any industry custom or practice, we will not pay you for the use of any content that you submit to the Site.

Claims of Infringement

1. Intellectual Property Rights
   The Zelle network respects the intellectual property rights of others and expect our users to do the same. If you believe that your copyrighted work or other intellectual property has been infringed upon by content hosted on our website, please follow the process outlined below.
    
2. Reporting Infringement
   To report an infringement, please send a written notice to our designated Copyright Agent at the contact information provided below. Your notice should include the following details:
   • A description of the work you believe has been infringed upon, including the copyright registration number (if applicable);
   • A description of the alleged infringing material and its location on the website, including the URL or any other relevant details to help us identify the content;
   • Your contact information, including your full name, address, phone number, and email address;
   • A statement that you have a good faith belief that the use of the material in question is not authorized by the copyright owner, its agent, or the law;
   • A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or are authorized to act on behalf of the copyright owner.
    
3. Our Response to Infringement Claims
   Upon receiving a valid claim of infringement, we will promptly review the notice and take appropriate action, which may include removing or disabling access to the allegedly infringing material.
    
4. Limitations of Liability
   The Zelle network does not guarantee that any material will be removed or modified in response to a claim of infringement. The Network Operator of Zelle®, seeks to preserve any and all exemptions from liability that may be available under applicable copyright law, but does not necessarily stipulate that it is a service provider as defined in U.S.C. Section 512(c) or elsewhere.
    
5. Contact Information
   Please send all claims of infringement and counter-notices to:
   
   Copyright Agent
   Early Warning Services, LLC
   5801 N. Pima Rd.
   Scottsdale, AZ 85250
   copyright@earlywarning.com
    

Responsible Use of Site - Please act responsibly when using this Site. You may only use this Site and its contents for lawful purposes and in accordance with applicable law and you are prohibited from storing, distributing or transmitting any unlawful material through this Site. You may not collect or store personal information regarding other users. You recognize that storing, distributing, or transmitting unlawful material could expose you to criminal and/or civil liability. You agree that if a third party claims that material you have contributed to the Site is unlawful, you will bear the burden of establishing that it is lawful. You understand and agree that all materials transmitted on or through this Site are the sole responsibility of the sender, not Zelle®, and that you are responsible for all material you upload or otherwise transmit to or through this Site.

You may not link or otherwise connect our Site or any content on our Site without our prior written permission to do so. You agree that you will not use this Site for any of these prohibited uses or purposes:

• Selling, reselling or offering for sale or resale any content or aspect of this Site;
• Bypassing any measures we use to prevent, restrict or otherwise limit access;
• Using the Site to send altered, deceptive or false information;
• Using the Site to intercept, collect or store personal information of others;
• Using the Site to spam or phish or otherwise impact the operation of the Site or the integrity of the use of the Site by Zelle® or others;
• Accessing, monitoring or copying any content or information on the Site, including but not limited to by means of robots, screen scrapers, data mining software or similar tools;
• Framing or otherwise incorporating all or any portion of the Site into any other site;
• Decompiling, disassembling or reverse engineering any of the software or content used in any part of the Site;
• Placing, sending or otherwise transmitting any malware, virus or using any malicious programs or techniques in connection with the Site;
• Overloading or otherwise crashing or attempting to crash the Site; and
• Engaging in any high volume data transfers or bandwidth use through your use of the Site.
   

Release - If you have a dispute with one or more users, you release us (and our parent company Early Warning Services, LLC, affiliates and subsidiaries, and our and their respective officers directors, employees, and agents) from claims, demands, liabilities, costs, or expenses and damages (actual and consequential of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release, you expressly waive any protections (whether statutory or otherwise) to the extent permitted by applicable law, that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

System Abuse - Without limitation, you agree not to send, create or reply to so called "mailbombs" (i.e., emailing copies of a single message to many users, or sending large or multiple files or messages to a single user with malicious intent) or engage in "spamming" (i.e., unsolicited emailing for business or other purposes), or undertake any other activity which may adversely affect the operation or enjoyment of this Site by any other person. You may not reproduce, sell, resell or otherwise exploit any resource, or access to any resource, contained on this Site.

Security - Any usernames and passwords used for this Site are for individual use only. You shall be responsible for the security of your username and password (if any). Zelle® shall be entitled to monitor your username and password and, at its discretion, require you to change it. If you use a username and password that Zelle® considers insecure, Zelle® will be entitled to require this to be changed and/or terminate your account.

Violation of Security - You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g. password guessing programs, cracking tools, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Zelle® reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents.

Investigations - Zelle® reserves the right to investigate suspected violations of these Terms, including without limitation any violation arising from any submission, posting, or e-mails you make or send to any Forum. Zelle® may seek to gather information from the user who is suspected of violating these Terms, and from any other user. Zelle® may suspend any users whose conduct or postings are under investigation and may remove such material from its servers as it deems appropriate and without notice. If Zelle® believes, in its sole discretion, that a violation of these Terms has occurred, it may edit or modify any submission, posting, or e-mails, remove the material permanently, cancel postings, warn users, suspend users and passwords, terminate accounts or take other corrective action it deems appropriate. Zelle® will fully cooperate with any law enforcement authorities or court order requesting or directing Zelle® to disclose the identity of anyone posting any e-mails, or publishing or otherwise making available any materials that are believed to violate these Terms. BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS ALL MEMBERS OF THE ZELLE® NETWORK FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY MEMBER OF THE ZELLE® NETWORK DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER A MEMBER OF THE ZELLE® NETWORK OR LAW ENFORCEMENT AUTHORITIES.

Service - In order to use this Site, you must obtain access to the World Wide Web and pay any service fee associated with that access. You will need to provide all equipment necessary to connect to the Site on the World Wide Web (including a computer, modem, mobile device, tablet and/or other access devices).

Reservation of Rights - Zelle® reserves the right to modify or discontinue, temporarily or permanently, all or any part of this Site and/or any software, facilities and services on this Site, with or without notice, and/or to establish general guidelines and limitations on their use.

Local Regulations - Zelle® makes no representation that Materials or other content on the Site are appropriate or available for use outside the United States, its territories, possessions and protectorates. If you choose to access the Site from other locations you do so on your own initiative and at your own risk. You are responsible for complying with local laws, if and to the extent local laws are applicable. You specifically agree to comply with all applicable laws concerning the transmission of technical data exported from the United States or the country you reside in.

Third-Party Sites - This Site may link you to other sites on the Internet, such as Network Banks. These other sites are not under the control of Zelle®, and you acknowledge that (whether or not such sites are affiliated in any way with Zelle®) Zelle® is not responsible for the content of such sites. Zelle® cannot ensure that you will be satisfied with any services that you obtain from any third-party site that links to or from Zelle®. Zelle® does not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give any third party, and you irrevocably waive any claim against us with respect to such sites. We strongly encourage you to make whatever investigation you feel necessary or appropriate before proceeding with any of these third parties.
You acknowledge and agree that if you use those links, you will be subject to that third party's terms of use, its privacy policy or information security policy or any other terms, policies, conditions or agreements applicable to that third party's website.

Proprietary Online Services - Any area of this Site that is accessed through any proprietary online service is subject to the rules, policies and guidelines of such proprietary online service.

Jurisdictional Issues - The Materials and all other content in this Site are presented for the purpose of providing information regarding products available in the United States and elsewhere.

Choice of Law - With the exception of Section 10 which will be construed in accordance with the FAA, these Terms shall be governed by, construed and enforced in accordance with the laws of the State of Delaware.

How To Contact Us - This Site is controlled and operated by Early Warning Services, LLC, located at 5801 N Pima Rd - Scottsdale, Arizona 85250. Please forward any comments or complaints about the Site to customerservice@zellepay.com. Please forward any questions regarding privacy to zelleprivacy@earlywarning.com.

General - If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between you and Zelle® relating to the matters contained here and the Site.

Effective: September 24, 2026

This policy applies to our website, zelle.com (the “Website”). We, along with our service providers/ third parties, use a variety of technologies to learn more about how visitors use the Website.

By using the Website, you consent to the practices described in this Cookies & Tracking Technologies Policy and in the Zelle.com Website Privacy Notice and to future updates. In other words, please do not use this Website if you do not agree with these policies.

What do you want to learn more about?

1. Cookies and other tracking technologies and how we use them
2. Your cookie choices and how to opt-out
3. Cookies and other tracking technologies used on the Website
4. Social Media
5. Consent
6. Definitions
7. Contact Us

1. Cookies and other tracking technologies and how we use them

Like most websites, we and our service providers/ third parties (e.g., advertising networks, website analytics providers) use “cookies” and similar tracking technologies (e.g., pixels, web beacons) to gather information when you use our Website to improve the visitor experience. Some of these tracking technologies provide basic functions of the Website, assess the Website’s performance, provide site functionality, and help us maintain the security of our Website.

We and some of our service providers/ third parties may also use online tracking technologies for cross-context behavioral advertising, including to help manage and display advertisements to you and to tailor advertisements to your interests. Our service providers/ third parties may use their technology to advertise products and services tailored to your interests which may appear either on our Website and/or on other websites/ digital properties.

Cookies help to personalize your experience on a website. We use cookies for a variety of business purposes, including to enhance your online experience, for example, by remembering your viewing preferences from a previous use of our Website, for when you later return to the Website.

We use both session and persistent tracking cookies. Cookies can either be persistent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser).

We also use first and third-party cookies. First party cookies are used and controlled by us to provide services on the Website. Third-party cookies are controlled by third parties, mostly for the purpose of analytics.

In particular, our Website uses the following categories of cookies:

2. Your cookie choices and how to opt-out

To change your cookie preferences/disable/opt-out of certain cookies (including cross-context behavioral advertising), visit our Cookie Preference center. Our Website also accepts Global Privacy Control (GPC) opt out preference signals.

Additionally, most browsers are initially set up to accept HTTP Cookies. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies and how to disable existing cookies. For more information about HTTP cookies and how to disable them, you can consult the information at https://www.consumer.ftc.gov/articles/how-protect-your-privacy-online. We are not responsible for the effectiveness of any such opt-out options.

California residents may be entitled to know the effects of opt-out options under California Business & Professions Code Section 22575(b)(7). As stated above, our Website accepts Global Privacy Control (GPC) opt out preference signals.

Controlling the HTML5 local storage on your browser depends on which browser you use. For more information regarding your specific browser please consult the browser’s website (often in the Help section).

3. Cookies and other tracking technologies used on the Website

The following lists the cookies and tracking technologies we use on our Website. We provide the information below as a courtesy for all users, but we are not obligated to maintain or update it.

4. Social Media

We also use social plugins on our Website. The social plugins used on the Website are hosted by social media networks such as Meta, X, or others and your browser therefore sends this cookie data to the social media network when loading the social plugin inside your browser. These data contain information on your use of the Website. In case you are registered with the social media network, the data will be associated with your data already stored in the social media network. We use a two-click-mechanism for social plugins. Prior to using the social plugin, you must activate it by clicking the social plugin. Until the social plugin is activated, some cookies will not collect your data and they will not be sent to the social media network.

5. Consent

If you do not change your cookie preferences /disable/ opt-out of certain cookies (including cross-context behavioral advertising), as provided in Section 2 above, you expressly consent to the collection, use, and disclosure of your data by us and the service providers/ third parties listed above, subject to their privacy notices, preferences, and opt-outs available through the links set forth above. Not in limitation of the foregoing, you expressly consent to the use of cookies or other local storage and the collection, use, and disclosure of your data by us and each service provider/ third party identified in Section 3 above. You are directing us to disclose cookies with our service providers/ third parties for analytics and cross-context behavioral advertising. You may change your cookie preferences at any time by following the procedures set forth in Section 2. Please note, you will need to change your cookie preferences again if you visit our Website from a different device or browser or if you clear your cookies.

6. Definitions

Cookies: A cookie (sometimes referred to as local storage object or LSO) is a small data file placed on your device. Cookies can be created by different web technologies, such as HTTP (“browser cookies”) or HTML5. For more information on third party cookies that we use for analytics, please review the table in Section 3 of this Cookies and Tracking Technologies Policy.

Cross-context behavioral advertising: The targeting of advertising to a consumer based on the consumer’s personal information obtained from the consumer’s activity across businesses, distinctly-branded websites, applications, or services, other than the business, distinctly-branded website, application, or service with which the consumer intentionally interacts.

Embedded Scripts: Programming code temporarily downloaded onto your device to collect information about your interactions with the site (e.g., links you click). The script runs only while you are connected to the website and is deactivated or deleted afterward.

Web Beacons: Small, often invisible images or snippets of code embedded in web pages or emails. Also known as “clear GIFs” or “1×1 GIFs,” they function like cookies by tracking user interactions. Unlike cookies, they are not stored on your device but embedded in content itself.

7. Contact us

For any questions about this Cookies and Tracking Technologies Policy, please contact us at zelleprivacy@earlywarning.com or write us at Early Warning Services, LLC, Attn: Privacy Office, 5801 N Pima Rd, Scottsdale, AZ 85250.

Effective: October 19, 2026

This Privacy Notice applies to visitors of our website, zelle.com.

We take your privacy seriously and we want you to be fully informed about how you can be in control of your Personal Information.

This Privacy Notice applies to our website, zelle.com (the “Website”). It describes the Personal Information we collect, how it’s used and disclosed, and the choices you can make. We strive for transparency but if anything remains unclear, do not hesitate to contact us at the email address below with any questions or feedback you may have.

To make this Privacy Notice easy to find, we make it available in the footer section of all zelle.com pages. You can also email zelleprivacy@earlywarning.com to request a copy by U.S. mail.

By using this Website, you expressly consent to our collection, use, disclosure, and retention of your Personal Information as described in this Privacy Notice, including future updates. In other words, please do not use this Website if you do not agree with this Privacy Notice.

What do you want to learn more about?

1. When this Privacy Notice applies
2. What is Personal Information?
3. Personal Information we’ve collected, used, and/or disclosed
4. How we collect Personal Information
5. Why we use Personal Information
6. Who we disclose Personal Information to
7. How we use cookies and similar tracking technologies
8. Minors’ privacy
9. Your choices
10. California network participants/ business partner (B2B) residents’ privacy rights
11. Our data retention practices
12. Links to third party websites
13. How we protect Personal Information
14. Where Personal Information is stored
15. Changes to this Privacy Notice
16. How to contact us

Zelle.com Website Privacy Notice

1. When this Privacy Notice applies

This Privacy Notice applies to our website, zelle.com (the “Website”).

2. What is Personal Information?

For the purpose of this Privacy Notice, “Personal Information” means information that identifies or can be used to identify you directly or indirectly. Examples of Personal Information include, but are not limited to, first and last name, email address, telephone number, IP address.

Personal Information does not include information obtained from public sources or information that is made available by federal, state, or local governments. Personal Information also does not include deidentified, anonymized, or aggregate information.

3. Personal Information we’ve collected, used, and/or disclosed

If you’ve visited our Website in the past 12 months, we may have collected, used and/or disclosed the following categories of Personal Information about you for a business purpose(s):

• Personal and online identifiers
  • Examples of Personal Information that we collect: Name, email address, IP address, unique online identifiers
  • Categories of sources from which Personal Information is collected:  All categories listed below in Section 4 
  • Business purpose(s) for collection, use, and disclosure:  All purposes listed below in Section 5 
  • Disclosed for business purpose(s) to the following categories of third parties:  All categories listed below in Section 6
  • Sold or shared to the following categories of third parties: We do not sell data. Website data may be shared with our service providers/ third parties for cross-context behavioral advertising (for 4a below)
  • Length of time Personal Information is intended to be retained: (unless subject to a legal hold)  Up to 26 months for 4a below, length of business/ commercial relationship plus up to 10 years (for B2B Personal Information received via a form on the Website to become a Network Financial Institution or Service Provider) for 4b below
• Certain identifying Personal Information
  • Examples of Personal Information that we collect: Address, telephone number
  • Categories of sources from which Personal Information is collected:  Directly from you when you use a form on the Website to become a Network Financial Institution or Service Provider
  • Business purpose(s) for collection, use, and disclosure:  All purposes listed below in Section 5 
  • Disclosed for business purpose(s) to the following categories of third parties:  All categories listed below in Section 6 
  • Sold or shared to the following categories of third parties: Not sold or shared with third parties
  • Length of time Personal Information is intended to be retained: (unless subject to a legal hold)  Length of business/ commercial relationship plus up to 10 years (for B2B Personal Information received via a form on the Website to become a Network Financial Institution or Service Provider) for 4b below
• Internet or other electronic network activity information
  • Examples of Personal Information that we collect: Browsing history, search history, interactions with our Website
  • Categories of sources from which Personal Information is collected:  Your device when you use the Website
  • Business purpose(s) for collection, use, and disclosure:  All purposes listed below in Section 5 
  • Disclosed for business purpose(s) to the following categories of third parties:  All categories listed below in Section 6 
  • Sold or shared to the following categories of third parties: We do not sell data. Website data may be shared with our service providers/ third parties for cross-context behavioral advertising (for 4a below)
  • Length of time Personal Information is intended to be retained: (unless subject to a legal hold)  Up to 26 months for 4a below

4. How we collect Personal Information

We collect Personal Information when you use the Website, including:

a. From your device: We and our service providers/third parties collect technical data about your device (e.g., website usage data); and

b. Directly from you: We collect Personal Information that you give us if you submit a form on our Website.

5. Why we use Personal Information

When you visit our Website, we collect, use, and disclose Personal Information for the following business purposes:

a. to prevent, detect, and protect against security incidents, fraud, and prohibited or illegal activities;

b. to undertake activities to verify or maintain the quality or safety of our services;

c. to perform services (for us or our service providers/third parties) such as providing customer service, cross-context behavioral advertising, and website analytics;

d. for internal research for technological development, demonstration, and improvement;

e. for internal operations;

f. to enforce our terms and conditions;

g. to debug, identify, and repair errors that impair existing intended functionality;

h. for business partner inquiries (B2B) made via our Website, to respond to your requests, send you information about our products and services that we believe you will find beneficial, and to comply with your stated communication preferences;

i. to create, develop, operate, deliver, maintain, and improve our Website, including to enhance content and improve visitor experiences;

j. for legal compliance;

k. to respond to your requests and comply with your stated communication preferences;

l. to provide you with a safe, efficient, and customized experience; and

m. to provide other services you request.

6. Who we disclose Personal Information to

We may disclose Personal Information with the following categories of third parties for the business purposes we described above in Section 5.

a. our service providers/ third parties (e.g., companies that help us operate our Website, assist with cross-context behavioral advertising, provide website analytics, provide customer service);

b. law enforcement, government agencies, and other authorized third parties (to whom we may be required by law to disclose information); and

c. other entities with your consent.

In the past 12 months, we have not sold Personal Information from the Website. For purposes of this Privacy Notice, “sale” means the disclosure of Personal Information to a third party for monetary or other valuable consideration.

7. How we use cookies and similar tracking technologies

Like most websites, we and our service providers/ third parties (e.g., advertising networks, website analytics providers) use “cookies” and similar tracking technologies (e.g., pixels, web beacons) to gather information when you use our Website to improve the visitor experience. Some of these tracking technologies provide basic functions of the Website, assess the Website’s performance, provide site functionality, and help us maintain the security of our Website.

We and some of our service providers/ third parties may also use online tracking technologies for cross-context behavioral advertising, including to help manage and display advertisements to you and to tailor advertisements to your interests. Our service providers/ third parties may use their technology to advertise products and services tailored to your interests which may appear either on our Website and/or on other websites/digital properties.

To the extent these online tracking technologies are deemed to be “sharing” (for cross-context behavioral advertising, as defined by applicable U.S. state law), you can opt-out of these online tracking technologies by using our Cookie Preferences. Our Website also accepts Global Privacy Control (GPC) opt out preference signals.

We use the following types of cookies on our Website:

• Strictly Necessary Cookies:

  • These cookies are needed to provide basic functions on the Website. We may use cookies and tracking technologies required to prevent fraudulent activity, improve security, and/or for system administration.

  • These cookies are required to operate our Website. Without them, the Website could not operate so they cannot be disabled.

• Analytics and Performance-Related Cookies:

  • We may use these cookies to assess the performance of our Website, including as part of our analytic practices to improve the services offered through the Website. These cookies may be used to prevent fraudulent activity and improve security.

  • You may disable these cookies on zelle.com if you’d like.

  • Without these cookies on zelle.com, we can’t tell what content is most valued by our Website visitors and we can’t tell how often unique visitors return to our Website, making it hard for us to know where we need to improve our content for visitors like you.

• Functionality-Related Cookies:

  • We may use these cookies to tell us, for example, whether you have visited the Website before or if you are a new visitor and to help us identify the features in which you may have the greatest interest.

  • You may disable these cookies on zelle.com if you’d like.

  • Without these cookies on zelle.com, we won’t be able to remember you from session to session and some of the Website’s services may not function properly for you.

• Cross-Context Behavioral Advertising Cookies/ Tracking Technologies:

  • We and our service providers/ third parties may use these cookies/ tracking technologies for cross-context behavioral advertising to you on and off our Website, zelle.com, and to measure the performance of such ads.

  • You may disable these cookies on zelle.com if you’d like.

  • Without these cookies on zelle.com, you won’t receive tailored content about our Company, products, and services.

During some visits we may use software tools to measure and collect session information, including page response times, download errors, time spent on certain pages and page interaction information.

A few additional important things you should know about our use of tracking technologies (e.g., cookies, HTML stored technologies):

• We may offer certain features that are available only through the use of tracking technologies.
• We use both persistent and temporary tracking technologies. Tracking technologies (e.g., cookies) can either be persistent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). You are always free to decline tracking technologies if your browser permits, although doing so may interfere with your use of the Website. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling tracking technologies such as cookies.
• We use cookies and tracking technologies with your prior consent as obtained through your use of this Website.
• You may encounter tracking technologies/cookies from our third-party service providers that we have allowed on our Website and affiliated properties that assist us with various aspects of our Website operations and services, such as Google Analytics. For more information about the use of information collected by cookies and similar technology on our Website, please review Sections 3, 4, 5 and 6 of this Privacy Notice.

How We Respond to Do Not Track Signals for California Residents: California Business & Professions Code Section 22575(b) (as amended effective January 1, 2014) provides that California residents are entitled to know how we respond to "Do Not Track" browser settings. Our Website accepts Global Privacy Control (GPC) opt out preference signals.

To learn more about our use of cookies and similar technologies, click here to read our full Cookies and Tracking Policy.

8. Minors’ privacy

Our Website is not intended for children under the age of 13. We do not knowingly solicit or collect information from individuals under the age of 13. Therefore, we have no actual knowledge that we’ve shared (for cross-context behavioral advertising) information about minors and we do not sell information that is collected from our Website so therefore we have not sold information about minors. For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.

9. Your choices

Website Cookies
To change your cookie preferences/disable/opt-out of certain cookies (including cross-context behavioral advertising), visit our Cookie Preferences. Please note, you may need to reset your preferences if you later visit our Website from a different device or browser or if you clear your cookies.

Network Participants/Business Partners (B2B)
If you’ve previously expressed interest in our products and services for your financial institution and you no longer wish to receive marketing communications from us, you can indicate your communication preference within the direct communication from us (e.g., using the unsubscribe link in the email you receive from us) or by emailing marketing@earlywarning.com. Please allow us a reasonable period of time in order to satisfy your request, as some communications may already be in process.

10. California network participants/ business partner (B2B) residents’ privacy rights

If you are a California resident and you’ve interacted with us on behalf of your Network Participant/company/business (e.g., in a B2B commercial transaction, you’ve expressed interest in our products/services for your financial institution, you’ve expressed interest in becoming a service provider of EWS), the following data privacy rights are available to you: 

• Right to Know About Third Party Direct Marketing: Request a list of what Personal Information (if any) we’ve shared with third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
  
   
  • How? We do not share Personal Information with third parties for their own direct marketing purposes. Therefore, we have not shared Personal Information with third parties for direct marketing purposes within the last 12 months.
     
• Right to Know: Know the categories and specific pieces of Personal Information we collected about you in the preceding 12 months following your request, our business purposes for collecting Personal Information, the categories of sources that we’ve collected Personal Information from, the categories of third parties that we’ve disclosed Personal Information to, whether we’ve sold or shared Personal Information to a third party in the preceding 12 months, and the categories of third parties with which we’ve sold or shared Personal Information.‍
  
   
  • How? Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. To submit a California B2B Data Privacy Rights Request, see the below for instructions.‍
    
     
    Note: You may request that we disclose the above information beyond the 12-month period for Personal Information collected on or after January 1, 2022, unless doing so proves impossible or would involve a disproportionate effort.
     
• Right to Correct Inaccurate Data: Request that we correct inaccurate Personal Information that we maintain about you.
  
   
  • How? Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. To submit a California B2B Data Privacy Rights Request, see the below for instructions.
    
     
    Note: To the extent required by, and in accordance with applicable law, we will use commercially reasonable efforts to correct your Personal Information as directed by you, considering the nature and the purposes of maintaining your Personal Information. Under certain circumstances, we may not be able to correct your information because we have a legal obligation or other reason in which we must retain it in its current state (e.g., the nature of the data, the source of the data, to comply with law).
     
• Right to Delete Data: Request that we delete your Personal Information.
  
   
  • How? Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. To submit a California B2B Data Privacy Rights Request, see the below for instructions.
    
     
    Note: Under certain circumstances, we may not be able to delete your information because we have a legal obligation or other reason that we must retain it.
     
• Right to Limit Data: Limit the use of sensitive Personal Information.
  
   
  • How? Our Website does not collect sensitive Personal Information.
     
• Right to Opt Out: Opt out of the sale or sharing of your Personal Information.
  
   
  • How? As stated above, we do not sell Personal Information that we’ve collected from the Website with third parties. Our Website, zelle.com, accepts Global Privacy Control (GPC) opt out preference signals. You may also opt out of the sharing of your Personal Information (for cross-context behavioral advertising on zelle.com, as defined by applicable U.S. state law), by using our Cookie Preferences.
     
• Right to Not Be Retaliated Against: Be free from retaliation for exercising your privacy rights.  
  
   
  • How? We will not retaliate against you for exercising your privacy rights.
     

Instructions for Submitting a California B2B Data Privacy Rights Request

To submit a California B2B Data Privacy Rights Request, send an email to zelleprivacy@earlywarning.com with "California B2B Data Privacy Rights Request" in the subject line.

In the body of the email please include:

1. Your first name
2. Your last name
3. The name of your financial institution/merchant/business
4. Your business email address or business telephone number
5. Your California address
6. Your business relationship with us (financial institution or merchant)
7. Your request (access, correct, or delete Personal Information)

Please note the above-listed rights are subject to certain exceptions. For instance, we cannot disclose or permit access to specific pieces of Personal Information if the disclosure or access would present a certain level of risk to the security of the Personal Information, your account with us or the security of our systems or networks. We may decline your request if we cannot verify your identity or confirm the Personal Information that we maintain belongs to you. If we cannot honor your request, we will let you know. 

Upon receipt of your “ California B2B Data Privacy Rights Request” email, we will acknowledge receipt of your request and let you know how long we expect it will take us to complete your request (typically 45 days or less for most requests).

When you make a request, we will attempt to verify that you are who you say you are. For example, we will attempt to match information that you provide in making your request with information that we have on file. We may need to request additional information from you to verify your identity or to understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled.

You may designate an authorized agent to make a request on your behalf. Your authorized agent will be required to produce a signed authorization from you and additional identity verification may be required. Authorized agent requests may be made by sending an email to zelleprivacy@earlywarning.com.

11. Our data retention practices

We generally retain information collected on our Website for as long as it is necessary and relevant for our business operations and to comply with applicable law. See Section 3 for more information.

12. Links to third party websites

Our Website may contain links to other third-party websites, such as our Network Financial Institutions and regulatory bodies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). When you leave our Website and visit those websites, you are bound by the privacy notices of those websites. We are not responsible for the privacy practices of these third-party websites, which are governed by their own privacy notices and practices.

13. How we protect Personal Information

To help us protect your Personal Information, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls.

14. Where Personal Information is stored

We are located in the United States. Our services are available for eligible United States users only. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in the United States. Additionally, we may use service providers/ third parties that may process and/or store your Personal Information in the United States, the European Union, and in other countries.

15. Changes to this Privacy Notice

From time to time, we may update this Privacy Notice. We may notify you about material changes in the way we treat Personal Information by placing a notice on the Website. You should check the Website frequently for updates.

16. How to contact us

If your questions are not answered in this Privacy Notice, you may email us at zelleprivacy@earlywarning.com, or write to us at Early Warning Services, LLC., Attn: Privacy Office, 5801 N Pima Rd, Scottsdale, AZ 85250.

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YOU MUST AGREE TO THIS E-SIGN CONSENT TO REGISTER FOR THE ZELLE NETWORK® SERVICES.

This E-sign Disclosure and Consent (“E-sign Consent”) applies to all Records and Communications for services provided on the Zelle Network website, applications, mobile apps, and other tools. 

a.   Records and Communications May be Provided in Electronic Form. You agree that we may provide you with Records and Communications in electronic format. For purposes of this E-sign Consent, “Records and Communications” means:

• The Zelle Network User Service Agreement (the “Service Agreement”) between you and Zelle for the Zelle services described in the Service Agreement as well as any modification or amendments hereto;
• All legal and regulatory disclosures and communications for the Zelle services;
• Notices or disclosures about a change in the terms governing use of the Zelle services;
• Privacy policies and notices; and
• All other communications, policies, notices, disclosures or information that we may provide to you in connection with the Zelle services.

b.   Providing Records and Communications in Electronic Form. All Records and Communications to you in electronic form may be provided (i) by email, (ii) by access to a website designated in an email notice from Zelle to you, (iii) to the extent not prohibited by law, by access to a website generally designated in advance for such purpose, or (iv) through the Zelle mobile app.

c.   How to Withdraw Consent. You may withdraw your consent to receive Records and Communications in electronic form by contacting us at customerservice@zellepay.com. Once we process your request to withdraw your consent to receive Records and Communications in electronic form, your access and use of the Zelle services will terminate. Any withdrawal of your consent to receive electronic Records and Communications will be effective only after we have a reasonable period of time to process your withdrawal. Your withdrawal will not affect the legal validity or enforceability of any Records and Communication provided to you electronically before your withdrawal is effective.

d.   How to Update Your Information. You agree to provide us with true, accurate and complete email address, contact and other information related to this E-sign Consent and to the Zelle services and to maintain and update promptly any changes in that information. You can update your information through our website.

e.   Hardware and Software Requirements. In order to access, view and retain electronic Records and Communications that we make available to you, you must have:

• An internet browser that we support, which include Internet Explorer 10.x or higher, Safari 3.2.x or higher, Firefox 32.x or higher and Chrome 38.x or higher, Mac OSX Safari 5 and higher E, Safari for iOS 6 and higher, Chrome for iOS, and Chrome for Android;
• The latest version of the Zelle mobile app;
• Local, electronic storage capacity to retain Records or Communications or a printer to print them;
• A valid email account and software to access that email account;
• An up-to-date device or devices (e.g., computer, tablet, mobile phone, etc.) suitable for connecting to the Internet and supported by Zelle; and
• An operating system capable of receiving, accessing and displaying Records and Communications from us in electronic form via text-formatted email or access to our website using a supported browser

f.   Requesting Paper Copies. We will send no paper copy of any Records and Communications to you unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of your electronic Records and Communications by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy of any particular Records and Communications be mailed to you, contact us at customerservice@zellepay.com. Please make sure to state that you are requesting a paper copy of particular Records and Communications. We do not charge a fee for providing a paper copy of Records and Communications.

g.   Records and Communications in Writing. All Records and Communications in electronic or paper format from us to you will be considered “in writing”. You should print or download for your records a copy of this E-sign Consent and any other Records and Communications important to you.

h.   Federal Law. You acknowledge and agree that this E-sign Consent is being provided by you in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and Zelle both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

i.   Termination/Changes. Zelle reserves the right, in our sole discretion, to discontinue the provision of electronic Records and Communications, or to terminate or change the terms and conditions on which we provide electronic Records and Communications. We will provide you with notice of any such termination or change as required by law.

j.   Consent. You hereby give your affirmative consent to receive electronic Records and Communications as described in this E-sign Consent. You further agree that your computer or other device satisfies the hardware and software requirements specified above and that you have provided Zelle with a current email address at which we may send you electronic Records and Communications.