Zinc Support

“OA” means such online application. We do not share your personal or financial information with outside parties except to the extent necessary to complete transactions: You hereby agree that Zinc, its parent, subsidiaries, affiliates, and their respective successors and assigns, may collect and use certain information associated with your OA, including, without limitation, any information provided in products and services; with third party business partners with whom Zinc provides joint promotions; and Zinc may share aggregate data if Zinc believes it is necessary to comply with legal process (such as a court order, subpoena, search warrant, etc.), or other legal requirements of any governmental authority; if Zinc believes it would potentially mitigate Zinc’s liability in an actual or potential lawsuit; if Zinc believes it is permitted by law or if doing so will not violate the law; or if Zinc believes it is otherwise necessary to protect Zinc’s rights or property; or is necessary to protect the interests of other users of the Software. In the unlikely event that all or part of Zinc’s business is sold or acquired by a third party, Zinc will transfer such information to the new business owner. 

Acceptable Use Policy 

You may not use Zinc services for activities that violate any law, statute, ordinance or regulation or relate to transactions that (a) show the personal information of third parties in violation of applicable law, (b) are associated with off-shore banking or transactions to finance or refinance debts, (c) involve currency exchanges, (d) involve any third-party debt settlement services, credit transactions or insurance activities, or (e) involve offering or receiving payments for the purpose of bribery or corruption (f) are for the purchase or sale of real property. 

Electronic Communications Delivery Policy (E-Sign Disclosure and Consent) 

You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that we provide in connection with your Zinc account or profile ("Account") and your use of our services. Communications include: 

We will provide these Communications to you by posting them on the Zinc website and/or by emailing them to you at the primary email address listed in your Zinc profile. 

Please read carefully all the terms and conditions of this Agreement, terms of these policies and each of the other agreements that apply to you. 

We may revise this Agreement and any of the policies listed above from time to time. The revised version will be effective at the time we post it, unless otherwise noted. By continuing to use our services after any changes to this Agreement, you agree to abide and be bound by those changes. 

Authorization (User) 

I hereby authorize Zinc, its parent, affiliates and their respective agents and their assignees to initiate, depending on the payment method I select, a single or recurring electronic debit entry/entries to my designated checking, savings account or credit card (“Account”) at my designated financial institution or credit issuer (“Financial Institution”) for which I am an authorized user, as well as any Account or Financial Institution I later designate, for the single or recurring transactions I authorize. I acknowledge that the origination of electronic debits to my Account must be permitted by my Financial Institution, which must be in the United States. I understand that my authorization will remain in full force and effect until Zinc has received written notification from me at least 3 business days prior to my scheduled or next scheduled transfer to terminate this authorization. 

If I am using a credit card to conduct a transaction, an authorization hold will be secured on the credit card provided, to cover the deposits or charges and any fees that may be incurred. These funds will not be available for your use. Additional authorizations (holds) will be obtained if I authorize subsequent transactions using a credit card. 

To use the payment functionality of Zinc’s application, you may be required to open a "Dwolla Platform" account provided by Dwolla, Inc. or similar third party account and you must accept the Dwolla Terms of Service and Privacy Policy or those of the third party. Any funds held in the Dwolla or other third-party account are held by Dwolla's or others financial institution partners as set out in the Dwolla Terms of Service or those provided by the third party. You authorize us to collect and share with Dwolla or other third party processing partner your personal information including full name, date of birth, social security number, physical address, email address and financial information and you are responsible for the accuracy and completeness of that data. You understand that you may access and manage your Dwolla or third-party account through our application, and Dwolla or other account notifications will be sent by us, not Dwolla or any other party. We will provide customer support for your Dwolla or other third-party account activity, and can be reached at the support@zinc.tech email address. 

Authorization (Subscriber) 

I hereby authorize Zinc, its parent, affiliates and their respective agents and their assignees to initiate single or recurring electronic debit or credit entry/entries to the entity’s designated bank account or credit card (“Account”) at its designated financial institution or (“Financial Institution”) for which I am an authorized user, as well as any Account or Financial Institution I or the entity later designate, for the single or recurring transactions authorized. I acknowledge that the origination of electronic debits or credits to my Account must be permitted by my Financial Institution, which must be in the United States. I understand that my authorization will remain in full force and effect until Zinc has received written notification from me at least 3 business days prior to my scheduled transfer to terminate this authorization. 

You expressly authorize Zinc’s service provider, Dwolla, Inc. or similar third-party processing partner to originate credit transfers to your financial institution account. You authorize Zinc to collect and share with Dwolla or other third-party processors your personal information including full name, email address and financial information, and you are responsible for the accuracy and completeness of that data. 

Fees 

The fees applicable for the use of Zinc services can be found on our Fees page and will be disclosed to you in advance each time you initiate a transaction or a series of recurring transactions. If you use your credit card as the payment method, you may also be charged fees by your card issuer.