Privacy Policy
Effective Date: June 16, 2026
Operator: Zap3 Global Pte Ltd
Jurisdiction: Singapore
Zap3 Global Pte Ltd respects your privacy and is committed to protecting your personal data. This Privacy Policy outlines how we collect, use, process, and disclose your data when you use the Zap3 mobile application and website ecosystem.
Depending on your user profile within the Zap3 app (Merchant, Sales Agent, or General Consumer), we collect the following types of information:
- Account Credentials: Names, email addresses, phone numbers, and business profile information.
- Financial & Transaction Data: Digital wallet balances, transaction histories, digital value (DV) tokens, payouts, and merchant top-up records.
- Hyperlocal Location Data: Precise or approximate GPS coordinates to calculate distances to nearby reward hubs and retail outlets.
- Device Data: IP addresses, operating system types, and unique device identifiers.
We utilize your information to drive the hyperlocal rewards marketplace:
- To accurately calculate and display physical distance (in meters) between users and merchant reward outlets.
- To track, credit, and update real-time wallet balances for Merchants and Sales Agents.
- To distribute and manage Commission Balance (DV tokens) securely for registered field agents.
- To comply with regulatory anti-money laundering (AML) frameworks under Singapore law.
We do not sell your personal data. Data is shared strictly to operate the platform ecosystem:
- Merchant-Consumer Matching: Your location data is used to show you nearby participating vendors.
- Agent-Merchant Links: Sales agent data is tied to the performance metrics of the specific merchants they onboard.
Under the Singapore Personal Data Protection Act (PDPA), you maintain the right to access, correct, or request the deletion of your personal data at any time via your in-app profile settings or by contacting our Data Protection Officer (DPO) at support@zap3global.com.
Terms of Service
Effective Date: June 16, 2026
Governing Law: Singapore
By downloading, registering, or interacting with the Zap3 mobile application, you agree to comply with and be bound by these Terms of Service. If you do not agree, you must immediately cease using our services.
Zap3 operates a multi-tiered platform with distinct account rules:
- Consumers/Users: Permitted to search for local rewards, view distances to physical merchant outlets, and redeem store offers.
- Merchants: Permitted to register storefronts, top up business wallets, track customer codes, and issue digital incentives.
- Sales Agents: Tasked with ecosystem expansion; permitted to log merchant network acquisitions and track earned Commission Balances denominated in Digital Value (DV) tokens.
Users are entirely responsible for maintaining the confidentiality of account security tokens, passwords, and QR codes. Zap3 Global Pte Ltd reserves the right to freeze accounts suspected of fraudulent wallet loading, fake merchant registration, or artificial transaction generation.
- Balances inside the Merchant or Agent apps represent digital utility units within the Zap3 ecosystem.
- DV (Digital Value) tokens are designated solely for reward validation, network scaling metrics, and platform commissions. They hold no external cryptocurrency or sovereign cash value unless specifically liquidated through an authorized corporate partner mechanism.
To the maximum extent permitted by Singapore law, Zap3 Global Pte Ltd shall not be held liable for any indirect, incidental, or consequential damages arising from app downtime, inaccurate GPS proximity metrics, or transactional disputes between independent Merchants and consumers.
Refund & Cancellation Policy
All wallet loads and account top-up actions executed by Merchants or Sales Agents within the Zap3 system are considered final, instant, and non-refundable once processed via our payment gateway network.
- Merchant/User Scans: If a merchant accidentally scans a user's promotional code incorrectly, or inputs a wrong transactional load value, the parties must resolve the issue directly on-site using the app’s quick action tools.
- Platform Discrepancies: If a system error causes an incorrect balance deduction, the affected user must file a dispute log with our technical support squad within seven (7) business days of the incident.
Sales Agent commissions (tracked via the live DV balance interface) are subject to systemic audits. If an onboarded merchant account is flagged for fraudulent activity or fails onboarding terms, Zap3 Global Pte Ltd reserves the absolute right to claw back, reverse, or cancel any unredeemed DV tokens credited to that agent’s dashboard.
For all billing, system dispute, or account inquiries, please submit a formal log through the support dashboard or email us directly at support@zap3global.com.
