Effective Date: January 21,2026
This Technology, Artificial Intelligence, and Blockchain Addendum (“Addendum”) supplements and forms part of the Zip Capital Group (“ZC,” “we,” “us,” or “our”) Terms and Conditions and Privacy Policy. This Addendum provides additional disclosures regarding the use of technology service providers, artificial intelligence tools, and blockchain-based verification systems.
In the event of any conflict, this Addendum governs matters related to technology, AI, and blockchain usage.
1. DATA CONTROLLER AND DATA OWNERSHIP
Zip Capital Group is the data controller with respect to all personal and business information collected from merchants, applicants, and business representatives (“Merchant Data”).
Merchant Data includes information submitted through applications, websites, electronic communications, documents, and related business processes.
Zip Capital Group retains ownership, control, and decision-making authority over Merchant Data at all times.
Merchant Data is collected and processed for legitimate business purposes, including evaluating business eligibility and funding opportunities, facilitating introductions to funding partners, account servicing and renewals, compliance, fraud prevention, and operational analytics.
Zip Capital Group does not sell Merchant Data as defined under the California Consumer Privacy Act and California Privacy Rights Act.
2. ROLE OF W3 SAAS AND OTHER TECHNOLOGY PROVIDERS
Zip Capital Group utilizes third-party technology providers, including W3 SaaS, to support its operations.
W3 SaaS acts solely as a service provider and data processor and processes Merchant Data only under Zip Capital Group’s documented instructions.
W3 SaaS does not own, sell, license, or independently exploit Merchant Data, does not directly solicit or market to merchants, and does not make underwriting, approval, denial, pricing, or funding decisions.
3. SHARING AND DISCLOSURE OF MERCHANT DATA
Zip Capital Group may disclose Merchant Data to funding partners, compliance vendors, and technology providers as reasonably necessary to conduct business operations. All such parties are contractually required to maintain confidentiality and implement appropriate safeguards.
4. USE OF ARTIFICIAL INTELLIGENCE
Artificial intelligence tools are used solely to support internal operations such as summarizing information, assisting document review, and improving workflow efficiency.
AI systems do not independently approve, deny, or price funding, and all material decisions involve human review. Merchant Data is not used to train public or third-party AI models.
5. BLOCKCHAIN-BASED VERIFICATION AND ELECTRONIC SIGNATURES
Blockchain technology may be used for electronic signature verification, document integrity validation, time stamping, and audit trails.
No merchant funds are stored or transferred on blockchain networks, merchants are not required to maintain digital wallets, and blockchain systems do not replace legally binding agreements.
6. DATA SECURITY AND RETENTION
Reasonable administrative, technical, and organizational safeguards are implemented to protect Merchant Data. Data is retained only as long as necessary for business, legal, and regulatory purposes.
7. CALIFORNIA PRIVACY RIGHTS
California residents may exercise rights to access, correct, delete, or limit the use of personal information in accordance with Zip Capital Group’s Privacy Policy.
8. NO AUTOMATED DECISION-MAKING
Zip Capital Group does not engage in fully automated decision-making producing legal or similarly significant effects without meaningful human involvement.
9. MODIFICATIONS
Zip Capital Group may update this Addendum periodically. Updates become effective upon posting or notification consistent with the Terms and Privacy Policy.
10. CONTACT INFORMATION
Zip Capital Group
info@zcgdirect.com
www.zipcapitalgroup.com