Privacy
Draft. This page is a working draft and has not yet been reviewed by counsel. It describes how Zeroed is designed to work; the final terms will be posted here before the first gift is accepted.
This policy covers the Zeroed app and website, operated by Zeroed Corporation, a 501(c)(3) nonprofit. The short version: we collect what we need to verify a bill and pay it, we show the public as little as possible, and we never sell data.
Donors
We collect your email or phone, a display name, payment details (held by Stripe; we see only the last four digits and a token), your gives and loads, and basic device and usage data.
Public: your display name, level and badges, only if you turn on a public profile. Gives can be anonymous. We never show how much you gave.
Receipts are sent to your email. Annual summaries are available in the app.
Recipients
We collect your phone, your legal name and date of birth (for identity verification), a photo of each bill, your hardship attestation, your city and state, and how you choose to appear.
Identity verification is performed by Stripe Identity. Images of your ID and your selfie are processed by Stripe under its privacy policy and are not stored by Zeroed. Zeroed stores only the verification result.
Bill images and creditor account numbers are stored encrypted in a restricted system with no public access, kept only as long as needed to verify and pay the bill, and deleted within 30 days of the bill closing.
Linking a bank is optional. If you choose to link the bank account, card or loan connected to your bill, the connection is made by Plaid on Plaid's own screen, under its privacy policy; we never see or store your bank password. Through it we read who owns the account, its balances, and about a year of payments, only to check that the bill is real, is yours and is for the amount stated. We keep the result of that check, the bank's name and the last digits of each account. We do not keep your transactions. You can remove the link in the app at any time, which also ends the connection at Plaid, and deleting your account removes every link.
Public: your first name (or none, your choice), your city and state, the type of bill, the amount and progress, and the one line you write if you write one. Never your last name, address, account number, employer or the bill itself.
Creditors receive your name and account number as needed to apply the payment, and nothing else.
Everyone
- No selling, no ads. We never sell or rent personal data, and we don't run advertising.
- Processors: Google Cloud and Firebase (hosting and data), Stripe (payments and identity), Plaid (bank linking, only if you choose it), our bank, email and SMS providers, and creditor payment networks. Each only for the service it provides.
- Automated review: we use AI tools to read bill photos, screen text for safety and draft replies. A person makes every decision to approve a bill or pay a creditor.
- Your rights: you can see, correct, export or delete your data from the app or by emailing [email protected]. Records needed for tax receipts, fraud prevention or legal compliance are kept as required.
- Children: Zeroed is for adults 18 and over.
- Security: data is encrypted in transit and at rest; access is role-based and logged.
Contact
Privacy questions: [email protected].