Privacy Policy

Last updated: November 6, 2026

Your privacy is important to us. This Privacy Policy describes how Zentavos, Inc. (“Zentavos™”) collects and uses the information you provide through its website, the Zentavos™ mobile app and the client portal. By accessing the website, purchasing our products, or utilizing our services you agree to be bound by these terms and conditions as are in effect at such time. In this Zentavos™ Privacy Policy, “Personal Information” means information that could actually identify a person, including, without limitation: name; email address; phone number; a home, business, postal or other physical address or other contact information; birth date; gender; occupation; industry; IP address; or other information necessary or useful to provide a product or service that you have requested. It does not include information edited so as to not identify a particular person or website user.

How We Protect Your Information

We protect the security of the information you submit to us with a variety of robust physical and electronic procedures, and we have put into place precautions to protect such information from loss and misuse. Your personal information is encrypted in transit and at rest, and we never sell your personal information. Because no method of transmission over the Internet is completely free of risk, we also urge you to take every precaution to protect your personal data when you are on the Internet. We suggest that you change your passwords often; that your passwords include a combination of letters and numbers; and that you make certain that you are using a secure browser. Products and services are available which can help give you privacy protection while navigating the internet.

How and Why We Collect Information

When you visit the Zentavos™ website, we collect and store the name of the domain and host from which you accessed the site; the IP address of the computer you used; the browser software and operating system you used; the date and time you accessed the site; the IP address from which you accessed our site; cookie information and all pages within the Zentavos™ website that you access. We may put small data files called “cookies” on your computer. One kind of cookie identifies you as you move through our site and makes it easier for you to view various site pages. This cookie sits in your computer, not our system, and it expires when you log out and close your browser. Other cookies retain information to make your use of our site easier. Our cookies are coded so that Zentavos™ is the only entity that can use that information, and you can set your browser to decline any cookie downloads if you wish, though that may change your browsing experience.

If you request to transact business with Zentavos™, we will ask you to give us personal information (such as your name, email address and phone number) in order for us to address your needs.

You may receive emails and phone calls from us. Zentavos™ will also email you information about pricing and financing, while answering any questions you may have. If you purchase products, then you will receive emails regarding payment, customer support and delivery scheduling. Zentavos™ may also collect information about your transactions with it; the features of any order for product that you place with us; and any specific instructions you give regarding a purchase or service. Zentavos™ may collect information from you in other ways, such as when you correspond with Zentavos™ or participate in an online survey.

Your disclosure to us of personal information is voluntary and all such information will be used to customize sales for you and process your order, enforce this Privacy Policy and these terms and conditions, and provide you with excellent service.

Location Data

The Zentavos™ mobile app collects precise location data (from GPS, Wi-Fi and cellular networks) to keep your mileage log: each trip's route, miles, and start and end addresses.

• When it is collected: while you record a trip with Start Trip, and — only if you turn on Automatic Tracking in Mileage Settings (off by default) — in the background, even when the app is closed or not in use, to detect when a drive starts and ends. While a trip is recording, your phone shows an ongoing notification (Android) or the location indicator (iPhone).
• Motion and physical activity: with your permission, Automatic Tracking uses your phone's motion data to tell driving from walking and save battery. It is processed on your device and not stored by us.
• Purpose: only to build your mileage log and its reports (such as the IRS mileage log export). We never sell location data and never use it for advertising.
• Who receives it: your trips are stored in your Zentavos™ account. Coordinates are sent to our map provider, Mapbox, and to your phone's built-in geocoding service (Apple or Google) to show maps and look up addresses. If you work with a firm on Zentavos™, its assigned team can see your Business trips; Personal trips appear to them only as totals; trips waiting for a category stay private. We do not share location data with anyone else, except as required by law.
• Storage and retention: location data is encrypted in transit and at rest, and trips cached on your phone are encrypted. We keep your trips until you delete them or your account, or as required by applicable laws, including, without limitation, the General Data Protection Regulation (“GDPR”) and the California Consumer Privacy Act (“CCPA”).
• Your choices: turn Automatic Tracking off at any time in Mileage Settings, which stops background location immediately; change location access in your phone's settings; delete individual trips in the app; or delete your account in Settings → Delete account. You can also delete your account on the web at zentavos.com/delete-account, download a copy of your data first, and reopen your account within 30 days by signing in; after the retention period it is permanently deleted. Declining location access only limits mileage tracking.
• CCPA Compliance: For California residents, we comply with CCPA by disclosing location data collection and offering the right to opt-out of data sales (if applicable) and request data deletion.

Zi, our AI assistant

Zi, the AI assistant in the Zentavos™ app and portal, answers your questions and gives you insights about your finances. To personalize those answers, Zi may use the information you have connected or added to Zentavos™.

• What Zi uses: your connected account data, transactions, assets, mileage, investments, and information about your documents (such as names, types, and dates).
• What Zi never uses: your Social Security number (SSN), Employer Identification Number (EIN), full account or routing numbers, or your passwords and saved logins.
• How requests are processed: Zi's requests are processed by our AI provider, Groq, under zero-data-retention terms. Your information is not used to train AI models.
• User Control: You can turn this off at any time in Settings with “Let Zi use my connected data for insights”. When it is off, Zi uses totals only.

Sharing Personal Information

There are times when we will provide your personal information to other parties. In order to provide a products in certain geographies, we will share your personal information with one or more of our satellite companies and/or offices, all of whom have agreed to process your personal information based on our instructions and in compliance with this Privacy Policy; these terms and conditions; and, other appropriate confidentiality and security measures.

When we have a good faith belief that access, use, preservation or disclosure of your personal information is reasonably necessary to: (a) satisfy any applicable law, regulation, legal process, and/or enforceable governmental request; (b) enforce applicable provisions of these terms and conditions, including investigation of potential violations thereof; (c) detect, prevent, or otherwise address fraud, security or technical issues; or (d) protect against imminent harm to the rights, property or safety of Zentavos™, its users or the public as required or permitted by law.

In the event you are applying to transact with us, we will request and share with third parties’ certain personal information from you concerning your credit history and in connection with determining your credit score. This will be in accordance with these terms and conditions that will be presented to you at the time that we request the additional personal information required to determine your credit score.

By using this website, you agree that we can disclose information about you to law enforcement officials or other government representatives as necessary to comply with such governmental orders or requirements, or to investigate any activity that is illegal or that could expose us to legal liability. Regarding non-personal information, we may share with third parties’ certain pieces of aggregated, non-personal information; responses to our customer satisfaction surveys; or how many times you visited a particular page on our website. Whenever we make such disclosures that are not required by law or government order, we will ask the information recipient to agree to protect the information in the same way this Privacy Policy states.

Minors’ Privacy

We do not structure our website to attract minors. Accordingly, we do not to intend to collect personal information from anyone whom we know to be under 18 years of age.

Third Party Sites

At times, this website may contain links to other sites. When you click on one of these links you are being transferred to a website operated by someone other than us, and the operator of that website may have a different privacy policy. We do not share your personal information with these websites, and we are not responsible for their individual privacy practices. We encourage you to investigate the privacy policies of these operators.

Notification of Changes and Your Acceptance of This Privacy Policy

By using this website, you agree to the terms of our Privacy Policy and to these terms and conditions. We may periodically update this Privacy Policy, so please check back with this site so you can be aware of the current terms. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify you by way of an email or some other means. Your continued use of the website shall constitute your acceptance of such revised Privacy Policy.

Questions

If you have questions or concerns about our Privacy Policy, send us an email at legal@zentavos.com with “Question About Privacy Policy” in the subject header. This Zentavos™ Privacy Policy is subject to change at any time without notice to you. We will always note the date of the last update at the top of the page and encourage you to periodically review this policy to be informed of how Zentavos™ is protecting your information.