Privacy Policy
Last updated: 03 November 2025
Purpose
This Data Privacy Statement explains how Zeno Technologies Pte. Ltd. (“Zeno”, “we”, “our”, or “us”) collects, uses, discloses, and protects your personal data when you use the Zeno mobile application, website, or any associated services (collectively, the “Platform”).
Zeno is committed to protecting your privacy and complying with the Personal Data Protection Act 2012 (No. 26 of 2012) of Singapore (“PDPA”).
Scope
This Statement applies to all users (“you” or “your”) who:
- Download, register, or use the Zeno mobile application;
- Interact with merchants or payment partners through Zeno; or
- Participate in rewards, loyalty, or promotional programs managed via the Platform.
It does not cover personal data collected directly by merchants or third-party payment service providers (“PSPs”), who act as independent data controllers under their own privacy policies.
Collection of Personal Data
We may collect the following categories of personal data when you use the Platform:
Information You Provide Directly
- Account details: name, email address, contact number, date of birth, and login credentials.
- Transaction details: references to wallet top-ups, purchases, or reward activities (excluding payment card or banking data).
- Communications: feedback, inquiries, or correspondence with Zeno’s support team.
Information Collected Automatically
- Device information (model, OS, device ID, IP address).
- Usage analytics (login frequency, feature interactions).
- Cookies or similar technologies (for app or web optimisation).
Information from Third Parties
- Transaction confirmations and reward data shared by PSPs or merchants.
- Authentication or KYC results if provided through integrated partners.
Zeno does not collect or store payment card numbers, bank account details, or wallet balances. Such data is processed directly by licensed PSPs or merchants under their own regulatory and security frameworks.
Purpose of Data Use
We use your personal data strictly for the following purposes:
1. Account creation and management – to register and maintain your Zeno user account.
2. Platform functionality – to facilitate wallet top-ups, display transaction histories, and manage reward balances.
3. Customer support – to respond to your queries and provide troubleshooting.
4. Service improvements – to analyse usage trends and enhance Platform performance.
5. Marketing and promotions – to send you offers or campaigns (only with your express consent).
6. Legal and regulatory compliance – to comply with applicable laws, regulations, or orders from competent authorities.
We do not use your personal data for automated decision-making or profiling without your consent.
Disclosure of Personal Data
Zeno may disclose your personal data only under the following limited circumstances:
1. To Service Partners:
– Third-party PSPs, merchants, or loyalty partners who process transactions or rewards.
– Technology providers supporting hosting, analytics, and app functionality.
2. For Legal Compliance:
– When required by law, regulation, subpoena, or government authority.
3. During Business Transfers:
– If Zeno undergoes a merger, acquisition, or restructuring, your data may be transferred subject to equivalent data protection safeguards.
All third parties receiving personal data are bound by contractual obligations to protect it in accordance with the PDPA and this Statement.
Cross-Border Data Transfers
Where personal data is transferred outside Singapore (e.g., for cloud hosting or partner integration), Zeno ensures that the receiving party provides a standard of protection comparable to that under the PDPA, as required under Section 26 of the PDPA. All such transfers are subject to contractual and technical safeguards, including encryption and restricted access.
Retention of Personal Data
Zeno retains your personal data only for as long as necessary to fulfil the purposes stated above, or as required by law. Once no longer required, data will be securely deleted, anonymised, or destroyed.
Protection of Personal Data
We implement appropriate administrative, physical, and technical safeguards to protect personal data against loss, theft, misuse, or unauthorised access. These include:
– Encryption and secure transmission protocols;
– Access controls and authentication;
– Regular audits and vulnerability assessments; and
– Staff training on PDPA and data security principles.
However, no electronic system is completely secure; users should also exercise care when transmitting data online.
Your Rights under the PDPA
You have the following rights in relation to your personal data:
– Access – Request access to personal data held by Zeno.
– Correction – Request corrections to ensure accuracy and completeness.
– Withdrawal of Consent – Withdraw consent for specific data uses (subject to reasonable notice).
– Deletion – Request deletion of your data when it is no longer necessary or lawful for us to retain.
Requests may be submitted to our Data Protection Officer (DPO) using the contact details below.
Consent
By downloading, registering, or using the Zeno Platform, you consent to the collection, use, and disclosure of your personal data as described in this Statement. You may withdraw consent at any time by contacting our DPO. Withdrawal may affect your ability to continue using certain features of the Platform.
Updates to this Statement
Zeno may update this Data Privacy Statement from time to time to reflect changes in legal, technical, or business developments. The updated version will be published in-app and on our official website, indicating the “Last Updated” date.
Contact Information
Zeno Technologies Pte. Ltd.
Email: server@expzeno.com