Capital ePay shares your concerns about your privacy and the protection of your personal information online. We are committed to treating personal information we obtain through our web site with respect for your privacy concerns. The following Privacy Policy describes Capital ePay’s policies concerning the use of personal information of all users collected via this web site.


Purpose of this Privacy Policy

This privacy policy describes how Capital ePay (the company that created, runs and owns and all subdomains) treats the personally identifiable information that is collected about you when you visit the web site. This policy also describes our treatment of personally identifiable information about you that our business partners may share with us.

What is Personally Identifiable Information?

“Personally identifiable information” is information that we can use to identify you as an individual. Personally identifiable information includes your name, address, telephone number and any other information that is connected with your identity.

Information This Privacy Policy Does Not Apply to

This privacy policy does not apply to information collected about you by anyone except Capital ePay. Any information you provide when you visit web sites other than or when you purchase any products or services that may be offered or advertised on by companies other than Capital ePay is subject to the privacy policies of the third party organizations that run and/or own these web sites.

Information We Collect

Non-Registered Users

Currently certain content on the web site, feature details, videos, marketing materials and API documentation are available to all users without registration. Capital ePay does not collect any personally identifiable information from you when you visit these areas of the web site.

Registered Members

In order to access some of the more specialized features of the web site, such as Capital ePay Gateway or ZManage Portal you must be a registered web site member. When you register with, we collect personally identifiable information from you that may include your name, email address, city, state and zip code, as well as other information, such as your gender, age, occupation, personal interests and similar information.

In addition, when you use certain specialized features offered to registered users, may collect additional information about you, such as credit card information, EIN, SSN, bank account information and other personally identifiable information. For example, if you apply as a merchant to use the ZPay Gateway for merchant services you will need to provide SSN, EIN and bank account information and other information in order to process your merchant account application.


Capital ePay may from time to time use your personal information to inform you of system updates, system status, maintenance windows or account issues.

Information from Third Party Sources

Capital ePay may on occasion combine information we receive online with information we have obtained through third party sources to enhance our ability to fulfill those products you have registered to use. Additionally, Capital ePay may use this information to market additional Capital ePay products or services to you.

Web Site Usage Information

Capital ePay automatically collects IP addresses and web site usage information from you when you visit the web site. This information helps us evaluate how our users navigate and use our web site.

Use of Information

Capital ePay uses personally identifiable information collected from you for the following general purposes:

  • to fulfill your requests for specific products and services;
  • to customize the content and advertising you see;
  • to improve the design and content of our site;
  • to contact you about special offers, products or services that may be of interest to you;
  • to fulfill currently registered products or services
  • to provide you with customer service.

Information Sharing and Disclosure

Capital ePay may share or disclose personally identifiable information about you to other companies or individuals when:

  • We have your consent to share the information.
  • We utilize third party service providers to provide products, services or functions on our behalf (such as sending emails or processing credit cards), and require these service providers to agree to maintain the confidentiality of your personally identifiable information and not to use your personally identifiable information for any reason except to carry out the purpose(s) for which we hired them.
  • We have entered into a business relationship with a third party company or an individual whom we believe and expect will conform to our Privacy Policy
  • We need to protect our legal rights (for example, if we are trying to collect money you owe us or we are trying to enforce our Terms of Use or other agreement with you).
  • We must comply with applicable laws, regulations, or legal or regulatory process
    In connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock, or otherwise) of all or a portion of the business.

Aggregate information is information that we (or third party service providers on our behalf) collect about web site users on an anonymous basis. We may share aggregate demographic and usage information with our prospective and actual business partners, advertisers and other third parties.


Capital ePay (or third party service providers on our behalf) may set and access cookies on your computer. A cookie is a small amount of data (often including a unique identifier), that is sent to your browser from a web site’s computers and stored on your computer’s hard drive. uses cookies to understand site usage and to improve the content and offerings on our site. For example, we may use cookies to identify you as a registered user, personalize your experience at our site, and display relevant content, products, services and advertising. To the extent that Capital ePay utilizes third party service providers to set and access cookies on the computer of our web site users on behalf of Capital ePay, Capital ePay requires such service providers to agree to maintain the confidentiality of the information collected and not to use such information for any reason except to carry out the purpose(s) for which we hired them.

We use reputable third parties to present or serve some or all of the advertisements on our web site. These third party network advertisers may set and access their own cookies on your computer. The use of cookies by third parties is subject to such third party’s own privacy policies.

Most browsers are initially set up to accept cookies. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows the user to reject cookies. If you set your browser to reject cookies, you may not be able to take advantage of certain features offered through our web site.


Your registration information is password-protected for your privacy and security. The personally identifiable information we collect about you is stored in limited access servers. We maintain (through our agents) physical, electronic and procedural security safeguards, including but not limited to PCI Level 1 certification, to protect your personally identifiable information.

Review and Correction

Capital ePay allows registered users of our products and services to update their information within the system. Registered users acknowledge that by changing certain types of information within our system can interfere with funding merchant accounts for processed transaction. For example updating funding bank account information incorrectly will result in a delay of funding to your accounts until resolved.

Retention period

Personal information will be retained for the period necessary to fulfill the products and services in use. Additional retention periods such as those governed by PCI are in full effect by the current PCI standard and the related internal data security retention procedures established by Capital ePay.

Use of the Services by minors

Due to the financial nature of our business, our web site is not designed to appeal to children under the age of 13. Capital ePay does not knowingly solicit any information from children nor do we knowingly market or otherwise target the web site or its products or services to children. If you are under the age of 13, please do not attempt to use or register on our web site.

Transfer to U.S.

If you are located outside of the United States, please note that the information you provide to us will be transferred to the United States. By registering with, you consent to this transfer.

Changes to Privacy Policy

Capital ePay may change this policy from time to time without notice. Any changes to this policy will be promptly posted on this web site so we encourage you to refer back to this policy each time that you visit. Your use of Capital ePay’s web site after any changes have been posted will constitute your agreement to the modified Privacy Policy.