Privacy Policy
Last Updated: 09/07/2025
Funder.AI Technologies Limited, a company incorporated in accordance with the laws of the United Arab Emirates and having its registered office in Abu Dhabi, United Arab Emirates ("Company," "we," "us," or "our") operates the Zelo platform. The Zelo website and mobile application ("Platform") are owned by the Company. The Platform is a fintech solution that connects investors with vendors/suppliers facilitating their financing requirements based on their business performance.
When you use our services, you will be sharing information with us. This privacy policy ("Privacy Policy") explains what information we collect, how we use it, whom we share it with, and the controls we provide you to access, update, and delete your information.
BY DOWNLOADING AND USING THE PLATFORM, YOU FULLY CONSENT TO THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY, INCLUDING THE DISCLOSURE OF YOUR INFORMATION TO LOCATIONS WHICH THE AUTHORITIES IN YOUR JURISDICTION MAY NOT RECOGNISE AS PROVIDING AN ADEQUATE LEVEL OF PROTECTION FOR PERSONAL DATA.
What Information We Collect
Information You Provide to Us
When you use the Zelo platform, we collect information that you choose to share with us, including:
- Account Information: Name, email address, phone number, password, and other registration details
- Identity Verification: Government-issued ID, passport, Emirates ID, trade license, and other documents required for KYC (Know Your Customer) compliance
- Device Information: Information from and about the devices on which you use the Platform
- Financial Information: Bank account details, financial statements, credit history, income verification, tax documents, and other financial data necessary for our services
- Business Information: Company details, trade license information, business registration documents, invoice data, and working capital requirements
- Investment Information: Investment preferences, risk tolerance, portfolio information, and transaction history
- Communication: Information you provide when contacting our support team or communicating through the Platform. When you contact our customer support team, in any way, we will collect whatever information you share. Please note that we do not store, sell, share, rent or lease any credit/debit card numbers to any third parties.
Information from Your Use of the Platform
We automatically collect information about how you use our Platform:
- Usage Information: Information about your activity through the Platform
- Content Information: Content you create on the Platform and information about the content you create or provide
- Device Information: Information from and about the devices on which you use the Platform
- Device Phonebook: Contact information from your device phonebook (with permission)
- Camera and Photos: Images and other information from your device's camera and photos
- Location Information: Information about your location. With your permission, we may also collect information about your precise location using methods that include GPS, wireless networks, cell towers, Wi-Fi access points, and other sensors, such as gyroscopes, accelerometers, and compasses
- Transaction Information: Details of financing requests, investments, payment processing, and transaction history
- Information Collected by Cookies and Other Technologies: Some information about your activity, browser, and device, may be collected by cookies and other technologies such as web beacons, web storage, and unique advertising identifiers. We may also use these technologies to collect information when you interact with the Platform we offer through one of our partners. Most web browsers are set to accept cookies by default. If you prefer, you can usually remove or reject browser cookies through the settings on your browser or device. Keep in mind, though, that removing or rejecting cookies could affect the availability and functionality of our services on the Platform
- Log Information: We also collect log information when you use the Platform. This information includes, among other things: error debugging information, user login/logout, usage duration, and system performance data
Information from Third Parties
We may collect information from:
- Credit Bureaus and Financial Data Providers: Credit reports, financial history, and risk assessment data
- Banking Partners: Account verification and transaction data
- Identity Verification Services: Document verification and fraud prevention data
- Regulatory Authorities: Sanctions lists, watchlists, and compliance databases
- Other Platform Users: Information provided during transactions or communications
How We Use Your Information
We use your information to:
- Provide Financial Services: Process financing requests, facilitate investments, conduct due diligence, and manage transactions
- Comply with Legal Requirements: Meet KYC/AML obligations, regulatory reporting, tax compliance, and respond to legal requests
- Risk Management: Assess creditworthiness, prevent fraud, monitor suspicious activities, and manage operational risks
- Platform Operations: Maintain and improve the Platform, provide customer support, and ensure security
- Communication: Send transaction updates, regulatory notices, marketing communications (with consent), and customer service messages
- Analytics: Monitor usage patterns, improve our services, and develop new features
How We Share Your Information
With Service Providers
We share information with trusted third parties who assist us in:
- Payment processing and banking services
- Identity verification and fraud prevention
- Cloud storage and data processing
- Customer support and communication services
- Legal, accounting, and professional services
- Business Intelligence and analytical services
With Platform Participants
- Investors: May receive relevant business information about financing opportunities
- Vendors/Suppliers: May receive relevant information about potential investors and financing terms
- All Users: Public profile information as necessary for platform functionality
With Financial Partners
- Banks, payment processors, and other financial institutions involved in transactions
- Insurance providers and guarantee companies
- Credit rating agencies and financial data providers
For Legal and Regulatory Compliance
We may share information to:
- Comply with UAE laws, Central Bank regulations, and international compliance requirements
- Respond to court orders, subpoenas, and government requests
- Prevent fraud, money laundering, and terrorist financing
- Protect our rights, property, and safety, and that of our users
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. If the Company gets involved in a merger, asset sale, financing, liquidation or bankruptcy, or acquisition of all or some portion of our business to another company, we may share your information with that company before and after the transaction closes.
We may also share with third parties, such as advertisers, aggregated, non-personally identifiable, or de-identified information.
Data Security
We implement robust security measures including:
- Encryption of sensitive data in transit and at rest
- Multi-factor authentication and access controls
- Regular security audits and penetration testing
- Employee training on data protection
- Incident response procedures
Data Retention
We store the following information for as long as they are required for users' log in:
- Your basic account information, including your name, phone number, and email address
- Location information for different lengths of time based on how precise it is and which services you use
We retain your information for as long as necessary to:
- Provide our services and maintain your account
- Comply with legal and regulatory requirements (typically 7-10 years for financial records)
- Resolve disputes and enforce our agreements
- Prevent fraud and ensure platform security
Keep in mind that, while our systems are designed to carry out our deletion practices upon deletion of accounts, we cannot promise that deletion will occur within a specific timeframe. There may be legal requirements to store your data and we may need to suspend those deletion practices if we receive valid legal process asking us to preserve content or if we receive reports of abuse or other Terms of Service violations. Finally, we may also retain certain information in backup for a limited period of time or as required by law.
Your Rights and Controls
Access and Correction
You can access and edit most of your basic account information right on the Platform. Because your privacy is important to us, we may ask you to verify your identity or provide additional information before we grant you access or update your personal information. We may also reject your request to access or update your personal information for several reasons, including, the request risks the privacy of other users or if the request is unlawful.
Data Portability
You may request a copy of your personal data in a structured, machine-readable format.
Account and Data Deletion
To request deletion of your account and all associated personal data, please contact us at support@zelofinance.ai. We will process your request and respond within 30 days. Please note that some information may be retained for legal compliance and fraud prevention purposes.
Marketing Communications
You can opt out of marketing communications by following the unsubscribe instructions in emails or contacting us directly.
Permission Management
You can modify permissions for location access, notifications, and other features through your device settings. If you grant us authorization to use your information, you can always change your mind and simply revoke your permission by changing the settings on your device if your device offers this option. By doing that, services on the Platform will lose full functionality.
Platform Deletion
You may delete the Platform application from your device at any time.
International Data Transfers
Your information may be processed and stored in countries outside the UAE. We ensure appropriate safeguards are in place for such transfers, including standard contractual clauses and adequacy decisions.
Cookies and Tracking Technologies
We use cookies, web beacons, and similar technologies to:
- Remember your preferences and settings
- Analyze Platform usage and performance
- Provide targeted advertising (with consent)
- Enhance security and prevent fraud
You can manage cookie preferences through your browser settings, though this may affect Platform functionality.
Third-Party Services and Integrations
We use cookies, web beacons, The Platform integrates with various third-party services and APIs to provide our financial services. These integrations may include services for:and similar technologies to:
- Authentication and security services
- Document processing and optical character recognition
- Financial data analysis and processing
- Payment processing and transaction handling
- Identity verification and compliance services
- Cloud storage and database services
- Risk assessment and credit evaluation
- Communication and notification services
When you use our Platform, your information may be transmitted to and processed by these third-party service providers through secure APIs as necessary to deliver our services. We carefully select our service providers based on their security standards and data protection practices. These providers are contractually obligated to use your information only for the specific purposes we authorize and to maintain appropriate security measures.
You acknowledge and agree that when we share your information with these authorized third-party service providers for the purposes of providing our services, their own privacy policies and terms of service may also apply to their processing of your information. We remain responsible for ensuring that such sharing complies with this Privacy Policy and applicable laws.
Analytics and Advertising Services
Information You Share With Us
We may permit other companies to use cookies, web beacons, and similar technologies on the Platform. These companies may collect information about how you use the Platform over time and combine it with similar information from other services and companies. This information may be used to, including but not limited to, analyze and track data, determine the popularity of certain content, and better understand your online activity. Additionally, some companies, including our affiliates, may use information collected on the Platform to measure the performance of advertisements and deliver more relevant advertisements on behalf of us or other companies, including on third-party websites and applications.
Information Provided By Us
We may collect information about your activity on third-party services that use cookies and other technologies provided by us. We use this information to improve our advertising services, including measuring the performance of advertisements and showing you more relevant advertisements.
Children's Privacy
Our Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on the Platform with an updated effective date. Continued use of the Platform after changes constitute acceptance of the revised policy.
Contact Information
For questions about this Privacy Policy or to exercise your rights, contact us at:
- Email: support@zelofinance.ai
- Company: Funder.AI Technologies Ltd
- Brand: Zelo
- Address: Funder.AI Technologies Limited, Abu Dhabi, United Arab Emirates
Governing Law
This Privacy Policy is governed by the laws of the United Arab Emirates. Any disputes will be subject to the jurisdiction of the courts of Abu Dhabi.
