Privacy Policy

ZionPe respects your privacy. This Privacy Policy explains how Micahguru Formations Ltd trading as ZionPe ("ZionPe", "we", "us" or "our") collects, uses, discloses and protects personal information about merchants, their staff, end customers and website visitors when you use our websites, dashboard and Services (including company formation, invoicing and payments).

ZionPe is the data controller for personal data processed through the Platform, except where we act solely as a processor on behalf of merchants. This Policy should be read with our Terms & Conditions.

We design our processing to align with applicable law in the United Kingdom (including UK GDPR and the Data Protection Act 2018), the European Union where relevant, Canada (including PIPEDA), and U.S. federal and state privacy laws where they apply to you.

1. Who we are and how to contact us

Micahguru Formations Ltd trading as ZionPe
12 Constance Street, London E16 2DQ, United Kingdom
Phone: +44 78 2849 8154
Email: [email protected] (subject line: "Privacy enquiry")

2. Scope of this Policy

This Policy applies to:

• Visitors to ZionPe marketing pages;
• Registered users of the dashboard and mobile apps;
• End customers who receive invoices or payment links from our users;
• Individuals who contact support or live chat.

Third-party sites or services you open via links (e.g. payment processors) are governed by their own policies.

3. Information we collect

• Merchant information: name, business name, registration identifiers, address, email, phone, tax IDs, beneficial ownership and bank details for verification and payouts.
• Customer information: data you supply about your customers (name, email, billing address, payment metadata, amounts) to facilitate payments—we process this for you as part of the Services.
• Transaction data: payments, invoices, disputes, refunds, payouts (dates, amounts, currency, status).
• Account and formation data: profile, credentials, company applications, directors/shareholders, documents you upload.
• Device and usage data: IP address, device identifiers, browser, pages viewed, dashboard actions, logs.
• Verification documents: ID, proof of address, licences where required for KYC/AML.
• Communications: support tickets, chat, email content.
• Referral and marketing: referral events and marketing preferences where applicable.

We do not store full card numbers or CVV; payments are handled by partners such as Stripe under their standards.

4. Purposes and legal bases

• Contract: operate accounts, payments, invoices, refunds, disputes, referrals and communications.
• Legal obligation: KYC/AML, tax, financial reporting, lawful requests, fraud prevention.
• Legitimate interests: security, network integrity, service improvement, analytics and (where lawful) direct marketing—balanced against your rights, with opt-out where required.
• Consent: non-essential cookies and certain marketing or sensitive processing where required; you may withdraw consent.

5. Cookies and tracking

We use cookies and similar technologies for essential functions (e.g. authentication), analytics and marketing. Where required, we obtain consent before non-essential cookies. You can manage preferences via our cookie tools and browser settings.

6. Sharing and international transfers

We do not sell your personal data. We share information with:

• Financial partners (e.g. Stripe) to process payments and payouts—they may be independent controllers for their own purposes.
• Service providers (hosting, verification, fraud, analytics, email) under contracts requiring protection and limited use.
• Professional advisers under confidentiality.
• Authorities when required by law or to protect rights and safety.
• Business transfers: a successor may receive data under appropriate safeguards in a merger or asset sale.

We operate internationally. For transfers from the UK/EEA we use appropriate safeguards such as adequacy decisions or standard contractual clauses where required. For Canada, we require comparable protection when data crosses borders. Some U.S. states impose specific rules on targeted advertising, sales and sensitive data—we honour applicable opt-out and assessment obligations.

7. Data retention

We retain data as long as needed for the purposes above and to meet legal duties. Payment and transaction records may need to be kept for extended periods (often at least five years) under payment-services and tax rules; other records follow limitation periods and business needs. When data is no longer required, we delete or anonymise it subject to law.

8. Security

We use technical and organisational measures including encryption in transit and at rest where appropriate, access controls, monitoring and partner standards such as PCI DSS for card data environments managed by our processors.

9. Your rights

Depending on your location you may have rights to access, rectification, erasure, restriction, objection, portability, and to lodge a complaint with a supervisory authority. U.S. residents may have rights to opt out of certain "sales" or sharing and targeted advertising under state laws. We will verify requests as permitted by law and respond within applicable timeframes.

To exercise rights, contact [email protected].

10. Children

Services are for business users. We do not knowingly collect personal data from children under 13. Merchants must have lawful grounds to share their customers' data with us.

11. Changes to this Policy

We may update this Policy and will revise the "Last updated" date. Material changes may be notified by email or through the Platform.

12. Complaints

Contact us first. You may also complain to the UK ICO, a U.S. state regulator where applicable, the Office of the Privacy Commissioner of Canada, or your local authority.