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ZP WatchDog Privacy Policy

Effective Date: December 22, 2015

This Privacy Policy covers the ZP WatchDog consumer database and associated website (collectively “ZP WatchDog”), owned and operated by Zero Parallel, LLC (“Zero Parallel,” “we,” “our”). This Privacy Policy is designed to tell you about our practices regarding the collection, use, and disclosure of information you provide via ZP WatchDog and certain related services. Please read this entire Privacy Policy before using, or submitting information, to this ZP WatchDog.

ZP WatchDog is not intended for anyone under the age of eighteen (18) or persons residing outside of the United States. By accessing ZP WatchDog on any computer, mobile phone, tablet, or other device (collectively, “Device”), you agree to the terms of this Privacy Policy. If you do not agree to the Policy, please do not access or use ZP WatchDog. We may modify this Privacy Policy at any time. If we decide to change this Privacy Policy, we will post those changes on the ZP WatchDog welcome page, available at www.ZPWatchDog.com.

We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.

How We Collect Information

A customer accesses the ZP WatchDog database by creating an account and logging in. Zero Parallel collects certain personal information during the account registration process, including but not limited to company name, individual name, email address, phone number, and physical address. During a ZP WatchDog session, the database automatically collects certain personal information about the user, including but not limited to the customer’s IP address and/or other public or nonpublic information, which may be used internally by Zero Parallel to verify the user’s identity. We will also collect user information entered on any forms, questionnaires, or other mechanisms. We are responsible only for the information that we collect; we are not responsible for the collection practices of third-parties, including other customers who might infer your identity from your activities on ZP WatchDog.

Use of Information

We use the information we collect from and about you for any of the following purposes: (1) to track submissions of fraudulent lead information to the ZP WatchDog database; (2) to identify users for the purpose of combatting data loss and cyber attack; (3) to review and improve ZP WatchDog usage and operations; (4) to address problems with ZP WatchDog, our business, or our services; (5) to protect the security or integrity of the database and our business; (6) to monitor the database for compliance with our Terms of Use and the law; (7) to enforce our contracts with you; and (8) to contact you with ZP WatchDog updates, newsletters and other informational and promotional materials from us and offers from other companies.

Disclosure of Information

ZP WatchDog is a database designed to publish information about fraudulent leads and bad actors in the short-term small-dollar lending industry. As such, all data pertinent to particular lead data, including identifiers such as the name of the user and a time-stamp of the submission, may be published and visible to all users. Zero Parallel will remove any data it reasonably believes to be incorrect, libelous, or submitted for an improper purpose, such as to harm competitors. Where information is disclosed in this fashion, such information will be available to all other users, without preference or prejudice. Zero Parallel may hide the identity of a submitting user in its own absolute discretion, limited to the extent necessary to avoid prejudicial treatment of any party or industry stakeholder.

We may disclose information collected from and about you as follows: (1) to related companies and service providers, to perform a business, professional or technical support function for us; (2) as necessary, if we believe that there has been a violation of the ZP WatchDog Terms of Use or of our rights or the rights of any third party; (3) to respond to legal process (such as a search warrant, subpoena or court order) and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (4) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personal information about Website users with third parties.

Opting Out

If you do not wish to receive communications from us about offers and promotions, you can opt-out of receiving these communications by emailing us at info@zpwatchdog.com or by following the instructions in the messages you receive.


We take reasonable and appropriate security precautions to secure the personal information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any personal information you transmit to us. Owing to the nature of the database, some personal information may be shared with other users, including but not limited to the name of the user who submitted a given fraudulent lead. Zero Parallel will not distribute the public or nonpublic information of a user in any manner not described in this Privacy Policy.

Interest Based Advertising

We may partner with ad networks and other ad serving providers (“Advertising Providers”) who serve ads on behalf of us and others on non-affiliated sites. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your visits to this site and elsewhere over time. Our Advertising Providers use cookies to personalize advertisements that you may see on other websites.

Because an industry-standard Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any “Do Not Track” signals that may be sent by certain browsers or selected by you.

However, you can visit www.cookiecentral.com and http://www.aboutads.info to learn more about this type of advertising and how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance (“DAA”) self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. In addition, note that if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.


We do not direct the Website to, nor do we knowingly collect any personal information from, children under the age of thirteen.

Third Party Websites

The Website may contain links to third-party websites, including those for participating lenders, which may have privacy policies that differ from our own. We are not responsible for, nor do we endorse, any of the activities and practices that take place on these sites. If you submit personal information to a third-party site, your information is governed by that third-party’s privacy policy. Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any personal information. Please contact those websites directly if you have any questions about their privacy policies.

Your California Privacy Rights

Under California’s “Shine the Light” law, California residents who provide Personal Information to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact our consumer support helpline at (888) 775-0859 FREE, via email at info@phonexa.com, or via regular mail at 249 N. Brand Blvd. #497, Glendale, CA 91203.