Privacy Policy

Policies that apply to your account and use of this site

Your privacy is extremely important to us. To better protect you, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on every page of this website.

This Privacy Policy relates to information collected by ZipExpenses LLC. (referred to in this Privacy Policy as “ZipExpenses” “we” or “us” or “our”) through your use of the ZipExpenses website and the ZipExpenses Services, features, and information available on the ZipExpenses website (which are collectively referred to in this Privacy Policy as the “ZipExpenses Service”). This Privacy Policy is incorporated into, a part of, and governed by our Terms of Service.

By using the ZipExpenses Service, you are accepting the terms of this Privacy Policy. If you do not agree to this Privacy Policy, you may not use the ZipExpenses Service.

As used in this Privacy Policy, the terms “using” and “processing” information include using cookies on a computer, subjecting the information to statistical or other analysis and using or handling information in any way, including, but not limited to collecting, storing, evaluating, modifying, deleting, using, combining, disclosing and transferring information within our organization.

What information does ZipExpenses collect?

Depending on your use of the ZipExpenses Service, we collect two types of information: personally identifiable information and non-personally identifiable information.

Personally Identifiable Information

Personally identifiable information identifies you or can be used to identify or contact you. Examples of personally identifiable information include your name, company name, job title, address, e-mail address, telephone number, and billing and credit card information.

Non-Personally Identifiable Information

Non-personally identifiable information is information, any single of item of which, by itself, cannot be used to identify or contact you, including demographic information (such as age, profession, company industry, gender, current location, or zip code), IP addresses, browser types, domain names, and statistical data involving the use of the ZipExpenses Service. Certain non-personally identifiable information may be considered a part of your personally identifiable information if it were combined with other identifiers (for example, combining your zip code with your street address) in a way that enables you to be identified. But the same pieces of information are considered non-personally identifiable information when they are taken alone or combined only with other non-personally identifiable information (for example, your account preferences).

When does ZipExpenses use information from third parties?

ZipExpenses will collect End User Customer Data necessary to provide the ZipExpenses Service to you. “End User Customer Data” means information about your customers in the ZipExpenses Service, which includes but is not limited to, first name, last name, phone number and email address.

We may use End User Customer Data to look up and store additional Public Data in order to create a more complete customer profile. “Public Data” is defined as information received from a third party partner named FullContact, a Safe Harbor Certified company. Public Data may be claimed, edited or discarded from their systems by following this link and is subject to their Privacy Policy.

If you would like to opt-out of our collection of End User Customer Data, you can do so by making a request via email. To disable this feature, you must be the Account Owner.

Where and when is information collected?

ZipExpenses will collect personally identifiable information that you submit to us. We may also receive personally identifiable information about you from third parties. For example, personally identifiable information is used to obtain credit/debit card authorization and prevent fraudulent transactions. It can also be used to further complete your ZipExpenses Services profile with an image or other form of information that is made publicly available by other online services.

Registering to Use the ZipExpenses Service and in the Course of Using the ZipExpenses Service.

You will be required to establish an account in order to take advantage of certain features of the ZipExpenses Service. If you wish to establish an account you will be required to provide us with information (including personally identifiable information and non-personally identifiable information). In addition, we may obtain your personally identifiable information from you if you identify yourself to us by sending us an e-mail with questions or comments.

Cookies and Page Tags

We may collect non-personally identifiable information passively using “cookies” and “page tags.”

“Cookies” are small text files that can be placed on your computer or mobile device in order to identify your Web browser and the activities of your computer on the ZipExpenses Service and other websites. Cookies can be used to personalize your experience on the ZipExpenses websites (such as dynamically generating content on webpages specifically designed for you), to assist you in using the ZipExpenses Service (such as saving time by not having to reenter your name each time you use the ZipExpenses Service), to allow us to statistically monitor how you are using the ZipExpenses Service so that we can improve our offerings, and to target certain advertisements to your browser which may be of interest to you or to determine the popularity of certain content.

You do not have to accept cookies to use the ZipExpenses Service. Although most browsers are initially set to accept cookies, you may change your browser settings to notify you when you receive a cookie or to reject cookies generally. However, if you reject cookies, certain features or resources of the ZipExpenses websites may not work properly or at all and you may have a degraded experience.

“Page tags,” also known as web beacons or gif tags, are a web technology used to help track website or email usage information, such as how many times a specific page or email has been viewed. Page tags are invisible to you, and any portion of the ZipExpenses Service, including advertisements, or e-mail sent on our behalf, may contain page tags.

By using cookies and page tags together, we are able to improve the ZipExpenses Service and measure the effectiveness of our advertising and marketing campaigns.

Finally, you should be aware that this Privacy Policy does not govern the use of third-party websites or services or providers of third-party services.

Log Files

We collect non-personally identifiable information through our Internet log files, which record data such as user IP addresses, browser types, domain names, and other anonymous statistical data involving the use of the ZipExpenses Service. This information may be used to analyze trends, to administer the ZipExpenses Service, to monitor the use of the ZipExpenses Service, and to gather general demographic information. We may link this information to personally identifiable information for these and other purposes such as personalizing your experience on the ZipExpenses Service and evaluating the ZipExpenses Service in general.

Does ZipExpenses collect information from children under 13 years of age?

We are committed to protecting the privacy of children. The ZipExpenses Service is not designed for or directed to children under the age of 13. We do not collect personally identifiable information from any person we actually know is under the age of 13.

What does ZipExpenses do with the information it collects?

In general, we use the information collected to provide you with a great overall experience using the ZipExpenses Service, to help us understand who uses the ZipExpenses Service, for internal operations such as operating and improving the ZipExpenses Service, to contact you for customer service and billing purposes and to facilitate the delivery of ZipExpenses advertising in some cases.

We use your information to send you a welcome e-mail after you create an account, when you are invited to ZipExpenses, or when you sign up for our newsletter. We also use your information to send other e-mail communication related to the ZipExpenses Service or website. For e-mail that is not transactional according to the standards set forth in the CAN-SPAM Act of 2003, we will provide an option to unsubscribe immediately.

If you identify yourself to us by sending us an e-mail with questions or comments, we may use your information (including personally identifiable information) to respond to your questions or comments, and we may file your questions or comments (with your information) for future reference. We may also use the information collected to send announcements and updates regarding the ZipExpenses Service or, if applicable, about your billing account status. You will not be able to unsubscribe from these Service announcements and updates as they contain important information relevant to your use of the ZipExpenses Service.

We may also use the information gathered to perform statistical analysis of user behavior or to evaluate and improve the ZipExpenses Service. We may link some of this information to personally identifiable information for internal purposes or to improve your experience with the ZipExpenses Service.

When does ZipExpenses disclose information to third parties?

Except as set forth in this Privacy Policy or the ZipExpenses Terms of Service or as specifically authorized by you, we will not disclose any information to third parties outside of ZipExpenses.

We may disclose your information (including personally identifiable information) if we believe in good faith that we are required to do so in order to comply with an applicable statute, regulation, rule or law, a subpoena, a search warrant, a court or regulatory order, or other valid legal process. We may disclose personally identifiable information in special circumstances when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating the ZipExpenses Terms of Service, to detect fraud, or to protect the safety and/or security of our users, the ZipExpenses Service or the general public. ZipExpenses is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).

We also may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.

In cases of onward transfer to third parties of data of EU individuals received pursuant to the EU-US Privacy Shield, ZipExpenses is potentially liable.

Third Parties Generally

Third parties may be able to independently directly collect personally identifiable and non-personally identifiable information without permission from ZipExpenses, and may include potential or actual advertisers, providers of advertising products or services (including vendors and website tracking services), merchants, affiliates and other actual or potential commercial partners, sponsors, licensees, researchers and other similar parties.

Outside Contractors

We may employ independent contractors, vendors and suppliers (collectively, “Outside Contractors”) to provide specific services and products related to the ZipExpenses Service, such as hosting, credit card processing and fraud screening, and mailing list hosting for the ZipExpenses Service. In the course of providing products or services to us, these Outside Contractors may have access to information collected through the ZipExpenses Service, including your personally identifiable information. We require that these contractors agree to (1) protect the privacy of your personally identifiable information consistent with this Privacy Policy, and (2) not use or disclose your personally identifiable information for any purpose other than providing us with the products or services for which we contracted or as required by law.

Sale of Business

We reserve the right to transfer information to a third party in the event of a sale, merger or other transfer of all or substantially all of the assets of ZipExpenses or any of its Corporate Affiliates (as defined herein), or that portion of ZipExpenses or any of its Corporate Affiliates to which the Service relates, or in the event that we discontinue our business or file a petition or have filed against us a petition in bankruptcy, reorganization or similar proceeding, provided that the third party agrees to adhere to the terms of this Privacy Policy.


We may disclose information (including personally identifiable information) about you to our Corporate Affiliates. For purposes of this Privacy Policy, “Corporate Affiliate” means any person or entity which directly or indirectly controls, is controlled by or is under common control with ZipExpenses, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

The ZipExpenses Service may provide you with access to other websites and services. Please be aware that we are not responsible for the privacy practices of any websites or services other than the ZipExpenses Service. We encourage you to read the privacy policies or statements of each and every such website and service. This Privacy Policy applies solely to information collected by us through the ZipExpenses Service.

Is the information collected through the ZipExpenses Service secure?

We take precautions to protect the security of your information. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorized access, maintain data security, and correctly use your information. However, neither people nor security systems are foolproof, including encryption systems. In addition, people can commit intentional crimes, make mistakes or fail to follow policies. Therefore, while we use reasonable efforts to protect your personally identifiable information, we cannot guarantee its absolute security. If applicable law imposes any non-disclaimable duty to protect your personally identifiable information, you agree that intentional misconduct will be the standards used to measure our compliance with that duty.

For more information about how ZipExpenses stores and secures customer and company data, please see our Security Policy.

Could my information be transferred to other countries?

Personally identifiable information collected on the ZipExpenses Service may be transferred from time to time to our offices or personnel, or to third parties, located throughout the world, and the ZipExpenses Service may be viewed and hosted anywhere in the world, including countries that may not have laws of general applicability regulating the use and transfer of such data. To the fullest extent allowed by applicable law, by using the ZipExpenses Service and submitting such information on it, you voluntarily consent to the trans-border transfer and hosting of such information. To the fullest extent allowed by applicable law, if you are a User accessing the ZipExpenses Service from a jurisdiction with laws or regulations governing personal data collection, use, and disclosure that differ from those of the United States, please be advised that all aspects of the ZipExpenses Service are governed by the internal laws of the United States and the State of Delaware, USA, regardless of your location.

Is ZipExpenses Safe Harbor and Privacy Shield compliant?

The EU-U.S. Privacy Shield Framework has replaced the EU-U.S. Safe Harbor Framework as of July 12, 2016. The Swiss-U.S. Privacy Shield Framework has replaced the Swiss-U.S. Safe Harbor Framework as of April 12, 2017.

EU-U.S. and Swiss-U.S. Privacy Shield Framework

ZipExpenses complies with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union and Switzerland to the United States, respectively. ZipExpenses has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. If there is any conflict between the policies in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit

In compliance with the EU-U.S. and Swiss-U.S. Privacy Shield Principles, ZipExpenses commits to resolve complaints about your privacy and our collection or use of your personal information. European Union or Swiss individuals with inquiries or complaints regarding this privacy policy should first contact ZipExpenses.

ZipExpenses has further committed to refer unresolved privacy complaints under the EU-U.S. and Swiss-U.S. Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit for more information and to file a complaint.

Please note that if your complaint is not resolved through these channels, under limited circumstances, a binding arbitration option may be available before a Privacy Shield Panel.

What choices do I have regarding the collection, disclosure and distribution of personally identifiable information?

Except as otherwise described in this Privacy Policy, we will only use personally identifiable information for the purposes described above or as otherwise disclosed at the time we request such information from you. You must “opt in” and give us permission to use your personally identifiable information for any other purpose. You may also change your preference and “opt out” of receiving certain marketing communications from us by clicking the unsubscribe link included on the bottom of all such communications, or by contacting us via email.

Do Not Track

The term “Do Not Track” refers to a HTTP header offered by certain web browsers to request that websites refrain from tracking the user. We take no action in response to Do Not Track requests.

Can I update or correct my personally identifiable information?

You have the right to request the restriction of certain uses and disclosures of personally identifiable information as follows. You can contact us in order to (1) update or correct your personally identifiable information, (2) change your preferences with respect to communications and other information you receive from us, or (3) delete the personally identifiable information maintained about you on our systems (subject to the following paragraph), by cancelling your account. Such updates, corrections, changes and deletions will have no effect on other information that we maintain, or information that we have provided to third parties in accordance with this Privacy Policy prior to such update, correction, change or deletion. To protect your privacy and security, we may take reasonable steps (such as requesting a unique password) to verify your identity before granting you profile access or making corrections. You are responsible for maintaining the secrecy of your unique password and account information at all times.

You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back up our systems to protect information from inadvertent loss means that a copy of your personally identifiable information may exist in a non-erasable form that will be difficult or impossible for us to locate. We promise that promptly after receiving your request, all personally identifiable information stored in databases we actively use and other readily searchable media will be updated, corrected, changed or deleted, as appropriate, as soon as and to the extent reasonably practicable.

How will I know if there are any changes to this Privacy Policy?

We may revise this Privacy Policy from time to time. We will not make changes that result in significant additional uses or disclosures of your personally identifiable information without notifying you of such changes via e-mail. We may also make non-significant changes to this Privacy Policy that generally will not significantly affect our use of your personally identifiable information, for which an e-mail is not required. We encourage you to check this page periodically for any changes. If any non-significant changes to this Privacy Policy are unacceptable to you, you must immediately contact us and, until the issue is resolved, stop using the ZipExpenses Service. Your continued use of the ZipExpenses Service following the posting of non-significant changes to this Privacy Policy constitutes your acceptance of those changes.

Whom do I contact if I have any privacy questions?

If you have any questions or comments about this Privacy Policy or feel that we are not abiding by the terms of this Privacy Policy, please contact our Privacy Agent in any of the following ways:

  • By email.

By using the ZipExpenses Service, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, you should not use the ZipExpenses Service. Continued use of the ZipExpenses Service following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personally identifiable information will mean that you accept those changes.

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