Early Warning Services’ Privacy Notice for Product Research Participants
Updated: July 31, 2024
Early Warning Services, LLC, a financial services technology leader, has been empowering and protecting consumers, small businesses, and the U.S. financial system with cutting –edge fraud and payment solutions for more than three decades. We are also the company behind Zelle®, and the soon-to-launch PazeSM, a wallet that reimagines e-commerce payments. Early Warning partners with more than 2,500 banks and credit unions to increase access to financial services and products and protect financial transactions.
This Privacy Notice applies to surveys, user experience testing, and interviews conducted by Early Warning for product research (referred to as “Early Warning Research” from here on out). It describes the Personal Information we collect, how it’s used and disclosed, and the choices you can make. We strive for transparency, but if anything remains unclear, do not hesitate to contact us at the email address below with any questions or feedback you may have.
To make this Privacy Notice easy to find, we make it available on the earlywarning.com website. To request a hard copy of this Privacy Notice by US mail email uxresearch@earlywarning.com.
By participating in Early Warning Research, you expressly consent to our collection, use, disclosure, and retention of your Personal Information as described in this Privacy Notice. In other words, please do not participate in Early Warning Research if you do not agree with this Privacy Notice.
As a visitor to our website, earlywarning.com, our Website Privacy Notice also applies. Click here to learn more.
What do you want to learn more about?
- When this Privacy Notice applies
- What Personal Information is
- Personal Information we’ve collected, used, and/or disclosed
- How we collect Personal Information
- How we use Personal Information
- Who disclose Personal Information to
- Minors’ privacy
- Your choices
- Your rights regarding your Personal Information
- How we verify your request
- Authorized agents
- Our data retention practices
- How we protect Personal Information
- Where Personal Information is stored
- Changes to this Privacy Notice
- How to contact us
Early Warning Services’ Privacy Notice for Product Research Participants
1. When this Privacy Notice applies
This Privacy Notice applies to surveys, user experience testing, and interviews conducted by Early Warning for product research (referred to as “Early Warning Research” from here on out).
This Privacy Notice does not apply to Early Warning products or services (e.g., Zelle ®). Please see those respective privacy notices for information on those data processing activities.
As a visitor to our website, earlywarning.com, our Website Privacy Notice also applies. Click here to learn more.
2. What is Personal Information
For the purposes of this Privacy notice, “Personal Information” means information that identifies or can be used to identify you directly or indirectly. Examples of Personal Information include, but are not limited to, first and last name, email address, and telephone number.
Personal Information does not include information obtained from public sources or information that is made available by federal, state, or local governments. Personal Information also does not include deidentified, anonymized, or aggregate information.
3. Personal Information we’ve collected, used, and/or disclosed
If you’ve participated in Early Warning Research in the past 12 months, we may have collected, used and/or disclosed the following categories of Personal Information about you for a business purpose(s):
| Categories of Personal Information we’ve collected in the last 12 months for Early Warning Research: | Examples of Personal Information that we collect: | Categories of sources from which Personal Information is collected: | Business purpose(s) for collection, use, and disclosing: | Disclosed for business purpose(s) to the following categories of third parties: | Sold or shared to the following categories of third parties: | Length of time Personal Information is intended to be retained: (unless subject to a legal hold) |
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| Personal and online identifiers |
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| Certain identifying Personal Information |
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| Audio, electronic, visual, thermal, olfactory, or similar information |
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| Other information about you that is linked to the Personal Information above |
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4. How we collect Personal Information
When you choose to participate in Early Warning Research, we collect Personal Information directly from you (e.g., when you participate in an interview, you may share Personal Information with us).
5. How we use Personal Information
When you participate in Early Warning Research, we collect, use, and disclose Personal Information for the following business purposes:
- for internal research for technological development, demonstration, and improvement;
- for internal operations;
- to undertake activities to verify or maintain the quality or safety of our services;
- to create, develop, test, operate, deliver, maintain, and improve our products and services and related marketing strategies;
- to comply with legal and compliance obligations, including tax obligations;
- to compensate you for participating in Early Warning Research (when eligible);
- for legal compliance
- to communicate with you about your participation in Early Warning Research and comply with your stated communication preferences; and
- other one-time uses.
6. Who we disclose Personal Information to
When you participate in Early Warning Research, we may disclose Personal Information to the following categories of third parties for the business purposes we described above in Section 5.
- our bank and credit union partners and potential partners (e.g., We may share excerpts from our interviews and/or aggregate or deidentified information about our research results with our bank and credit union partners and potential partners);
- our service providers (e.g., We may use an online survey tool when conducting Early Warning Research);
- law enforcement, government agencies, and other authorized third parties (we may be required by law to share information for legal reasons);
- other entities with your consent.
Our Early Warning Research is not intended for children under the age of 18. We do not knowingly collect Personal Information from children. We do not sell or share Personal Information collected during Early Warning Research. Therefore, we would not sell or share information about minors.
For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
If you later decide that you no longer want to participate in Early Warning Research, you may notify us by email at uxresearch@earlywarning.com and we will remove you from our Early Warning Research.
9. Your rights regarding your Personal Information
We honor your data privacy rights, regardless of whether we are obligated by law and regardless of your state of residence.
| You have the right to… | How? | |
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| Third party direct marketing | Request a list of what Personal Information (if any) we’ve shared with third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
| We do not share Personal Information with third parties for their own direct marketing purposes. Therefore, we have not shared Personal Information with third parties for direct marketing purposes within the last 12 months. |
| Be informed | Know the categories and specific pieces of Personal Information we collected about you, our business purposes for collecting Personal Information, the categories of sources that we’ve collected Personal Information from, the categories of third parties that we’ve disclosed Personal Information to, whether we’ve sold or shared Personal Information to a third party in the preceding 12 months, and the categories of third parties with which we’ve sold or shared Personal Information.
| Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to.
Please submit your request by emailing us at uxresearch@earlywarning.com with the subject line: Data Privacy Rights Request. Note: In the past 12 months, we have not sold or shared Personal Information from Early Warning Research. For purposes of this Privacy Notice, “sale” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration and “share” means the disclosure of Personal Information to a third party for cross-context behavioral advertising.
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| Correct inaccurate data | Request that we correct inaccurate Personal Information that we maintain about you. | Please submit your request by emailing us at uxresearch@earlywarning.com with the subject line: Data Privacy Rights Request.
Note: To the extent required by, and in accordance with applicable law, We will use commercially reasonable efforts to correct your Personal Information as directed by you, considering the nature and the purposes of maintaining your Personal Information. Under certain circumstances, we may not be able to correct your information because we have a legal obligation or other reason in which we must retain it in its current state (e.g., the nature of the data, the source of the data, to comply with law).
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| Delete data | Request that we delete your Personal Information. | Please submit your request by emailing us at uxresearch@earlywarning.com with the subject line: Data Privacy Rights Request. Note: Under certain circumstances, we may not be able to delete your information because we have a legal obligation or other reason that we must retain it.
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| Limit data | Limit the use of sensitive Personal Information. | We do not collect sensitive Personal Information for Early Warning Research.
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| Opt out | Opt out of the sale or sharing of your Personal Information.
| As stated above, we do not sell or share Personal Information that we’ve collected from Early Warning Research with third parties. |
| Free from discrimination | Be free from discrimination for exercising your privacy rights | We will not discriminate against you for exercising your choices and rights.
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| Access | Access your Personal Information that we’ve collected about you in the preceding 12 months following your request.
| Please submit your request by emailing us at uxresearch@earlywarning.com with the subject line: Data Privacy Rights Request. Note: You may request that we disclose the above information beyond the 12-month period for Personal Information collected on or after January 1, 2022, unless doing so proves impossible or would involve a disproportionate effort. |
| Appeal | Appeal if we decline to act on any of the above requests you’ve made | Please submit your appeal by emailing us at uxresearch@earlywarning.com with the subject line: Data Privacy Rights Request.
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Please note the above-listed rights are subject to certain exceptions. For instance, we cannot disclose or permit access to specific pieces of Personal Information if the disclosure or access would present a certain level of risk to the security of the Personal Information or the security of our systems or networks. We may decline your request if we cannot verify your identity or confirm the Personal Information that we maintain belongs to you. If we cannot honor your request, we will let you know.
We will acknowledge receipt of your request and let you know how long we expect it will take us to complete your request (typically 45 days or less).
10. How we verify your request
At a minimum, your identity will be verified by matching certain Personal Information provided by you with Personal Information that we have on file. We may use a third-party identity verification service to assist us with verifying your identity.
We may need to request additional information from you to verify your identity or to understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled.
You may designate an authorized agent to make a request on your behalf. Your authorized agent will be required to produce a signed authorization from you and additional identity verification may be required. Authorized agent requests may be made by emailing us at uxresearch@earlywarning.com with the subject line: Data Privacy Rights Request.
12. Our data retention practices
We generally retain information for as long as it is necessary and relevant for our operations and to comply with applicable law. See Section 3 for more information.
13. How we protect Personal Information
To help us protect your Personal Information, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls.
14. Where Personal Information is stored
We are located in the United States. Our services are available for eligible United States users only. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in the United States. Additionally, we may use third-party service providers that may be located in and process or store your Personal Information in the United States, the European Union, and other countries.
15. Changes to this Privacy Notice
From time to time, we may update this Privacy Notice. We may notify you about material changes in the way we treat Personal Information by placing a notice on this webpage. You should check this Privacy Notice frequently for updates.
If your questions are not answered in this Privacy Notice, you may email us at privacyoffice@earlywarning.com, or write to us at Early Warning Services, LLC., Attn: Privacy Office, 5801 N Pima Rd, Scottsdale, AZ 85250