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Privacy Policy

Effective date: May 4, 2026

Last updated: May 4, 2026

This Privacy Policy explains how ZOPIO INC collects, uses, shares, and protects information for the Google Play internal testing app Escrow, Android package com.zopio.escrow.

Escrow is a mobile escrow and vehicle transaction workflow app. It supports broker, dealer, and partner account setup; vehicle and document intake; escrow, checkout, and payment workflows; OCR-assisted document processing; and terminal/payment checks for test-backend use during internal testing.

Who We Are

ZOPIO INC
7901 4th Street North, Suite 21443
St. Petersburg, FL 33702
United States

Privacy and data deletion contact: admin@zopio.com

Information We Collect

The app and related backend services collect the information needed to create accounts, verify users, process escrow and vehicle transaction steps, review documents, and support payment workflows. Depending on the role and transaction, this may include:

  • Account and authentication information: name, phone number, OTP/authentication identifiers, Clerk user identifiers, broker, dealer, partner, or company profile details, and role/authorization status.
  • Business and tax identifiers: company title, tax office, tax number, VKN/TCKN-style identifiers, registration details, and other identifiers entered by the user or extracted from documents.
  • Vehicle and transaction information: listing, escrow, order, invoice, notary, plate, VIN/chassis, registration, authorization, buyer/seller, and transaction status data.
  • Financial and payment information: IBAN, bank receipt data, checkout/session identifiers, payment status, installment and card metadata such as last-four digits where returned by payment processors, and terminal transaction metadata.
  • Documents, photos, and files: uploaded vehicle photos, identity or authorization documents, tax plates, bank receipts, invoice/notary documents, signature circulars, and related file metadata.
  • OCR and review outputs: extracted text, structured fields, confidence/review metadata, and validation results generated from uploaded files and images.
  • Device, network, and diagnostic data: device identifiers available to the app or platform, IP/network information, app version, operating system, error logs, telemetry, request identifiers, security events, and fraud-prevention signals.

Android Permissions and Device Features

Escrow requests Android permissions only for product and payment workflows currently found in the mobile app codebase:

  • camera, photos, and files: used to use the camera to capture, select, and upload transaction documents and vehicle images, including files sent for OCR processing.
  • Fine location, phone state, and NFC: used by Nearpay terminal/payment SDK checks and terminal-related payment flows. The current app code does not request or use background location.
  • Internet and network state: used for authentication, backend API calls, document upload, payment checks, and network-aware app behavior.

Based on the current code reviewed for this internal-testing release, we did not find use of background location, SMS or call-log access, microphone access, health data, contacts access, or advertising ID collection.

How We Use Information

We use information to operate and secure the escrow workflow, including to:

  • Authenticate users and manage broker, dealer, partner, and company access.
  • Create, review, and process escrow, vehicle, document, checkout, and payment records.
  • Run OCR and validation checks on uploaded documents and images.
  • Support payment status checks, terminal workflows, reconciliation, refunds, disputes, fraud prevention, and accounting records.
  • Maintain app reliability, diagnose errors, monitor security events, and improve internal testing quality.
  • Comply with legal, tax, accounting, escrow, payment-network, and regulatory obligations.

Processors and Integrations

We use service providers and integrations to operate the app and backend. Current processors and integrations identified from the app and backend behavior include:

  • ZOPIO backend services: account, escrow, vehicle, document, OCR, and payment workflow APIs.
  • Clerk: authentication, phone OTP, user identity, and session management.
  • SyncOps and Odoo: operational records, business workflows, and back-office synchronization.
  • Paylox / Jetcheckout: checkout sessions, payment processing, payment status, and payment metadata.
  • Nearpay terminal SDK/API: terminal/payment checks and transaction metadata.
  • OpenAI: OCR and document extraction processing performed through backend services.
  • Netgsm: OTP or messaging delivery where used by backend authentication flows.
  • Odoo.sh and Cloudflare: hosting, routing, security, and operational infrastructure.
  • Google Play and Android platform services: app distribution, platform diagnostics, and device/platform services.
  • Expo and React Native local app storage: local app runtime, secure storage, updates/runtime metadata, and device-side storage used by the app.

These providers process information only as needed for the roles described above and according to their own terms and data-processing obligations.

Sharing and Disclosure

We do not sell personal information. We may share information with processors, payment and terminal providers, infrastructure providers, professional advisors, counterparties involved in the escrow transaction, and public authorities when necessary to operate the service, protect users, resolve disputes, prevent fraud, comply with law, or enforce agreements.

Retention

We retain information for as long as needed to provide the app and related services, complete escrow and payment workflows, satisfy tax/accounting and legal requirements, handle disputes and fraud-prevention reviews, maintain security records, and meet operational backup obligations. Retention periods vary by record type and legal obligation.

Account and Data Deletion

You may request account deletion or deletion of personal information by emailing admin@zopio.com from the phone number or email associated with your account, or by including enough information for us to verify the request.

When we receive a verified account deletion request, we will delete or de-identify account information where legally and operationally permitted. Some records may be retained when necessary for escrow completion, payment processing, refund or chargeback handling, fraud prevention, tax/accounting records, legal compliance, dispute handling, backup integrity, and security logs.

For Google Play internal testing, admin@zopio.com is also the contact for testers who want their test account and associated test data reviewed or deleted.

Security

We use technical and organizational safeguards appropriate for a pre-release internal-testing app, including authenticated access, role-based backend controls, transport security where supported, restricted operational access, logging, and redaction practices for sensitive diagnostics. No system is completely secure, so testers should avoid uploading unnecessary personal data during internal testing.

International Processing

ZOPIO INC is based in the United States, and service providers may process information in the United States, Turkey, the European Economic Area, or other locations where our processors operate. We use these locations to provide authentication, hosting, payment, OCR, and operational services.

Children

Escrow is intended for business and transaction users. It is not directed to children, and we do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy as the app, backend, integrations, or legal requirements change. The updated version will be posted at this same URL with a revised last-updated date.

Contact

For privacy, account deletion, or data protection questions, contact admin@zopio.com.