Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to and Flow Financial Solutions, Inc.(“FLOW”), and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Flow Financial Solutions Inc., include and Zogo Consumer Application and Zogo Merchant Application. The Pay Flow Financial Solutions website and associated applications (collectively the “Site”) is a Financial Technology site and related applications that allow users of business and/or personal accounts to send and receive money and buy things online, in-store or in-app, using mobile devices. By using any of Zogo’s products, you consent to the data practices described in this statement.

This Privacy Policy applies to Users who access services through the website or any applications collected to the Site.

Collection of your Personal Information

Zogo may collect personally identifiable information, such as your:

- Name

- Address

- E-mail Address

- Phone Number

If you use Zogo’s products and services, we collect billing and other financial information.

Zogo may also collect anonymous demographic information, which is not unique to you, such as your:

- Age

- Gender

- Household Income

We may collect and store information about you and your use of Zogo services. This information will be used to track and analyze user behavior, improve your experience, associate it with other information about you.

We may collect information about you from other public websites.

We may gather additional personal or non-personal information in the future.

Zogo encourages you to review the privacy statements of websites you choose to link to from Zogo so that you can understand how those websites collect, use and share your information. Zogo is not responsible for the privacy statements or other content on websites outside of the Zogo Site.

Use of your Personal Information

Zogo collects and uses your personal information to operate its Sites(s) and deliver the services you have requested.

Zogo may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Zogo does not sell, rent or lease its customer lists to third parties.

Zogo may share data with trusted partners and trusted service providers included but not limited to: helping perform statistical analysis, sending you email or postal mail and providing customer support. All such third parties use your personal information in accordance with their privacy policies.

Zogo may keep track of the websites and pages our users visit within Zogo in order to determine what Zogo services are the most popular. This data is used to deliver customized content and advertising within Zogo to customers whose behavior indicates that they are interested in a particular subject area.

Zogo will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Zogo or the site; (b) protect and defend the rights or property of Zogo; and, (c) act under exigent circumstances to protect the personal safety of users of Zogo, or the public.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by Zogo. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Zogo Site.

Use of Cookies

The Zogo Site may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Zogo pages, or register with Zogo site or services, a cookie helps Zogo to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Zogo Site, the information you previously provided can be retrieved, so you can easily use the Zogo features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Zogo services or websites you visit.

Security of your Personal Information

Zogo secures your personal information from unauthorized access, use, or disclosure. Zogo follows generally accepted industry standards to protect information you submit: in transition and once received. While we will strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Children Under Thirteen

Zogo does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use the Services.

Opt-Out & Unsubscribe

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Zogo by contacting us here:

- Web page:

- Email:

Changes to this Statement

Zogo will occasionally update this Statement of Privacy to reflect company and customer feedback. Zogo encourages you to periodically review this Statement to be informed of how Zogo is protecting your information.

Contact Information

Zogo welcomes your questions or comments regarding this Statement of Privacy. If you believe that Zogo has not adhered to this Statement, please contact Zogo at:

Flow Financial Solutions, Inc.

2067 Paloma Street

Pasadena, CA 91104

Email Address:

Effective as of September 01, 2017