ZM DESIGNS Privacy & Cookie Policy

Last updated January 16, 2020

Thank you for choosing to be part of our community at ZM Designs. We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy , or our practices with regards to your personal information, please contact us using our email address.

When you visit our website https://zmdesigns.co.uk/, and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy policy, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Sites and our services. 

This privacy policy applies to all information collected through our website (such as https://zmdesignsuk.co.uk/), and/or any related services, sales, marketing or events (we refer to them collectively in this privacy policy as the “Services“).  

1. WHAT INFORMATION DO WE COLLECT?  
Personal information you disclose to us

In Short: We collect personal information that you provide to us such as name, address, contact information, passwords and security data, and payment information.

We collect personal information that you voluntarily provide to us when registering at the Services expressing an interest in obtaining information about us or our products and services, when participating in activities on the Services or otherwise contacting us.

The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make and the products and features you use. The personal information we collect can include the following:

Publicly Available Personal Information. We collect first name, current address and email addresses.

Credentials. We collect passwords, password hints, and similar security information used for authentication and account access.

Payment Data. We do not have access to or store your payment details. All payment data is stored by PayPal. You may find their privacy policy here PAYPAL PRIVACY POLICY

2. HOW DO WE USE YOUR INFORMATION?  

In Short:  We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.  

We use personal information collected via our Services for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.  

We use the information we collect or receive: 

  • To facilitate account creation and logon process. 
  • Fulfill and manage your orders. 
                             

3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?  

In Short:  We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.   We may process or share data based on the following legal basis:

Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract. 

Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order. 

Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

5. HOW LONG DO WE KEEP YOUR INFORMATION?  

In Short:  We keep your information for as long as necessary to fulfill the purposes outlined in this privacy policy unless otherwise required by law.   

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your personal information for longer than 90 days past the termination of the user’s account.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible. 

6. HOW DO WE KEEP YOUR INFORMATION SAFE?   

In Short:  We aim to protect your personal information through a system of organizational and technical security measures.  

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the services within a secure environment. 

7. DO WE COLLECT INFORMATION FROM MINORS?  

In Short:  We do not knowingly collect data from or market to children under 18 years of age.  

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records

8. WHAT ARE YOUR PRIVACY RIGHTS?  

In Short:  You have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time.

You have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information.

If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time. Please note however that this will not affect the lawfulness of the processing before its withdrawal.


Account Information

If you would at any time like to review or change the information in your account or terminate your account, you can: 

    ■  Log into your account settings and update your user account.  

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with legal requirements.

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services.

9. DATA BREACH

A privacy breach occurs when there is unauthorized access to or collection, use, disclosure or disposal of personal information. You will be notified about data breaches when DG Designs believes you are likely to be at risk or serious harm. For example, a data breach may be likely to result in serious financial harm or harm to your mental or physical well-being.

12. DO WE MAKE UPDATES TO THIS POLICY?  

In Short:  Yes, we will update this policy as necessary to stay compliant with relevant laws.  

Klarna Pay Later in 30 Days Terms

How it works

  • We partner with merchants who want to offer a smoooth shopping experience.
  • Checkout with any of these merchants who offer to “Pay later in 30 days with Klarna.”
  • Once the merchant confirms shipment of your order, we will send you a digital invoice due in 30 days.
  • Receive your order and keep what you like, and return the rest.
  • Once you are happy with your order, you can pay your final balance with a valid credit card, debit card or bank account. Best of all, we don’t charge you any fees or interest.
  • It’s that easy! No need to pay upfront and worry about slow returns holding up your funds.

Complete Terms

The following Payment Option Terms apply between Klarna Inc. (“Klarna,” we,” or “us“) and the user of this payment option (“you“). In addition to these Payment Option Terms, your use of the Klarna Services are governed by the Klarna Shopping Service, which include your agreement to:

If you do not agree to these terms, you must not use the Klarna Services. The Klarna Shopping Service combined with these Payment Option Terms are a contract between you and Klarna.

If you are offered Pay later in 30 days digital invoice, you have the option to pay for your purchase at a later date – typically 30 days after the item has shipped. Upon your purchase with Pay later in 30 days digital invoice, you will receive an invoice from Klarna by email, stating when payment is due. You will make your payment directly to Klarna. If you make your Pay later in 30 days digital invoice payments to the merchant directly, your payments may not be delivered to Klarna in a timely manner, causing you to miss the applicable due date(s) described below. Any inquires and disputes regarding your Pay later in 30 days digital invoice payments should be directed to Klarna, not the merchant.

Due Date: You will have a period of 30 days to pay your Pay later in 30 days digital invoice. This period commences when the merchant confirms shipment of the goods, and the last day of such period is the “Due Date.” As soon as an item ships, Klarna will receive notification from the merchant and Klarna will then send you an e-mail informing you of the date by which payment is to be made, along with details about how payment must be made. Your payment is due to Klarna by 8:00PM Eastern Time on your Due Date.

We will refund any overpayment in excess of $1USD to you. You authorize us to make the refund electronically or using an ACH, (a) if you made the original payment electronically or using an ACH, or (b) if you typically make payments for digital invoice electronically or using an ACH.

Late Payment: If you fail to make full payment by the Due Date, you will be in default and unable to use the service in the future.

Returned Payment Fee: If you attempt to pay for a Pay later in 30 days digital invoice via check or Automated Clearing House and your payment is returned unpaid when we present to your bank or financial institution for “not sufficient funds” or for other reasons such as a closed account, we will charge you a Returned Payment Fee of up to $27USD. However, the Returned Payment Fee will not exceed the total amount you owe.

Default: You will be in default if you: (a) fail to make a payment in full by the Due Date; (b) become the subject of insolvency or bankruptcy proceedings; (c) supply false, misleading or incorrect information to us; (d) a payment is unpaid and returned to us by your bank; or (e) violate or are unwilling to comply with any provision in the Terms.

If you are in default, Klarna may employ a debt collection agency to receive payment and you will have to pay all reasonable costs (including attorney’s fees) incurred by Klarna and/or the debt collection agency.  Additionally, if you are in default, Klarna may report this information to credit bureaus.

Consent to Receive Debt Collection Emails: In the event that your account goes into default, you consent to receive debt collection emails from our debt collection service provider, TrueAccord Corp.  You certify that any email address you provide to Klarna can be used by TrueAccord Corp. for debt collection communications.  You also certify that any email address you provide is a personal email address and not a work email address.  If you change your email address, it is your obligation to update your email address with Klarna.  

Klarna

Klarna Inc. PO Box 8116, Columbus, OH 43201. Klarna Customer Service.

Complaints

For complaints, the information provided on www.klarna.com applies. If you have a complaint towards Klarna, you can submit your complaint through the contact form on Klarna’s website (klarna.com) or via postal mail with the keyword “Complaint” to Klarna’s address.

Last updated 5 February 2020.

Klarna Pay Later in 4 Agreement

How it works

  • Use your own valid debit or credit card, or other accepted payment method, to pay (no prepaid cards).
  • The initial payment is charged when the merchant completes your order (this is usually the shipping date for online orders).
  • The next 3 payments are automatically charged every 2 weeks after your first payment.
  • There are no interest charges with Pay later in 4 installments, and no fees when you follow your automatic payment schedule.
  • If you return your goods we will automatically reduce the amount you owe us. If you already paid us for a refunded order, we will refund the balance back to your original payment method.
  • If you have questions about the quality or shipping of your order, please contact the merchant where you made the purchase.
  • A Late Fee of up to $7 may be charged if an automatic payment cannot be collected.
  • The issuer of your payment method may charge interest or fees under your agreement with them. If you have any questions about those charges contact your payment method provider.

Terms and Conditions

The following terms and conditions represent an agreement between the lender, Klarna Inc., located at 629 N. High St. Suite 300, Columbus, OH 43215 (“Klarna,” we,” or “us”) and the user of this payment option (“you” as the borrower, under the name and address provided when you agreed to use this payment option), entered into as of the date you agree to use this payment option for your purchase. In addition to these terms and conditions, your use of this payment option is governed by the  Klarna Shopping Service, which are incorporated into and made part of these terms and conditions (collectively, the “Agreement”).  The Klarna Shopping Service include:

If you do not agree to the terms of the Agreement, you may not use this payment option.

This payment option is provided, and funds made available, by Klarna. When you elect to use this payment option, we will present you with the applicable payment terms, including:

  • The amount of your Initial Payment. The Initial Payment is the first of four payments and is due immediately once the merchant confirms your order. 
  • The amount of each subsequent Installment Payment. The Installment Payments represent the amount financed and repaid in three installments due every two weeks after the Initial Payment, for a loan term of six weeks from the Initial Payment. 
  • The Total Purchase Amount. This equals the Initial Payment (which is due immediately) plus each subsequent Installment Payment, and represents the total amount you will have paid when you have made all scheduled payments.

By accepting to use this payment option, you acknowledge and agree to these payment terms, and that such payment terms are incorporated by reference into this Agreement. Your final payment schedule will be emailed to you, and available through the Klarna App, once the merchant confirms your order.  

Promise to Pay: By using this payment option, you are instructing us to send the Total Purchase Amount to the designated merchant as payment for your purchase. You further promise to pay Klarna the Total Purchase Amount in accordance with the payment terms, including repayment of the Initial Payment and each Installment Payment on their Due Dates, plus any fees, past due amounts and other charges as permitted under this Agreement. There is no balloon or similar final payment required on this loan and you are not required to obtain credit life or credit disability as a condition of receiving this loan.

No Interest or Other Finance Charges:  This is a 0% APR loan. There are no interest or other finance charges due on this payment option. Other fees will apply as described in this Agreement.

Payment Methods: We may limit the types of payment methods we accept at our discretion. If a type of payment method, such as a particular credit or debit card, is not accepted, you will be notified before the purchase is completed. Most valid credit and debit cards that are not scheduled to expire in the near future are accepted. We do not accept prepaid cards. You may change your payment method at any time, and if you do, you authorize us to charge your new payment method in accordance with this Agreement.

Initial Payment: You authorize us to charge your payment method for a first Initial Payment, which amount will be disclosed to you at checkout. This amount will not be charged until the merchant confirms the order. This typically occurs when the Merchant ships the goods or provides them to you in the store, but could also happen at the time of order placement. Your card issuer may restrict access to any authorized amount while pending.

Installment Payments: You authorize us to automatically charge your payment method for each Installment Payment every 14 days (each a “Due Date”) after the Initial Payment is charged to your payment method. Due Dates are disclosed in Eastern Time. If your payment method is a debit card or you agree to pay by electronic fund transfer, you authorize Klarna to initiate preauthorized transfers from your bank account, in the amount of each Installment Payment and in such frequency as disclosed to you when you elect to use this payment option. You agree these terms will serve as your copy of your authorization for Klarna to automatically charge your payment method, including to initiate preauthorized transfers. We will provide notice within 2 days after each payment confirming that you have paid the Installment Amount due. If any adjustment causes your final Installment Payment to be less than your scheduled Installment Payment amount, we will charge you the lesser amount.

Prepayment: You may prepay part or all of any outstanding Total Purchase Amount at any time.  There is no penalty for prepaying any amount owed. Prepaying any portion of your outstanding Total Purchase Amount will not change the amount of any subsequent Installment Payment, unless the remaining Total Purchase Amount is less than your Installment Payment, in which case we will only charge you the remaining Total Purchase Amount on the next Due Date.

Split Orders: In the event the merchant does not confirm your purchase for the entire order amount at the same time (for example, if items from your order ship on different dates), we may create a separate installment schedule for each confirmed amount received from the merchant (each a “Schedule”). Each Schedule will have its own Initial Payment and Installment Payment amounts and Due Dates associated with the confirmed amount; however, the total Initial Payments and Installment Payments paid on all Schedules associated with your purchase will not exceed the Total Purchase Amount. You understand that when a Schedule is created, this Agreement will apply to such Schedule and you agree to the terms of this Agreement with respect to each Schedule.  

Late Payment: If we are unable to charge your selected payment method for any Installment Payment in full on your Due Date, it will be considered a Late Payment.. We will notify you if a payment fails and provide you at least 2 courtesy days to ensure your payment method is up to date before attempting to collect the Late Payment. You authorize us to attempt to collect the Late Payment at any point after 2 days, using any payment method we have on file for you. Due Dates for subsequent Installment Payments will remain unchanged.

Late Fee: If any Late Payment remains unpaid after 10 days, you will be subject to a Late Fee of up to $7 (or such lesser amount as required by law).  You authorize us to charge this Late Fee, plus any Late Payment (if not yet collected) with your next Installment Payment, as a single charge to your payment method. If the Late Payment was your final Installment Payment, we will automatically charge your card for the Late Payment plus the Late Fee, 10 days from your final Due Date, if you do not pay your Late Payment before then. The Late Fee will never exceed the Installment Payment amount, and will be waived or refunded in the event our error results in you incurring a Late Fee.

We may continue to attempt to collect overdue and currently due payments on subsequent Due Dates, or invoice you separately for any unpaid amount.

Returned Payment Fee: If you attempt to make any Installment Payment by check or ACH and your payment is returned unpaid for “not sufficient funds” or for any other reason such as a closed account, we will charge you a Returned Payment Fee of up to $25 (or any lower amount required by law). The Returned Payment Fee will never exceed the Installment Payment amount, and will be waived or refunded in the event our error results in you incurring a Returned Payment Fee.

Returns: Any returns or refunds credited to your purchase will reduce your outstanding balance, but do not count as payments. You will need to continue to make your previously disclosed payments at scheduled Due Dates until your balance is paid in full. If you have a credit balance you authorize us to credit the balance back to (a) the payment method used for this payment option; (b) any other card we have on file for you; (c) by check to your mailing address on file; or (d) by direct deposit to any of your bank accounts on file or stated on any check you presented to us for payment.

Default: Except where prohibited by law, you will be in default if you: (a) fail to make any payment by a Due Date; (b) become the subject of insolvency or bankruptcy proceedings; (c) supply false, misleading, or incorrect information to us; (d) a payment is returned to us by your bank; or (e) violate or are unwilling to comply with any provision in this Agreement (each a “Default”).

If you are in Default Klarna may: (i) charge the outstanding balance (or any lesser amount we deem appropriate)  on your Pay later in 4 purchase immediately, using any card we have on file for you or by a separate invoice, except where such default is due t o insolvency, bankruptcy, or the provision of false, misleading or incorrect information; (ii)  employ a debt collection agency to collect payment and you will have to pay  all attorney’s fees (to the extent permitted by law) incurred by Klarna and/or the debt collection agency; and (iii) report default information to credit bureaus. If you are in Default Klarna may prevent you from future use of any Klarna service. 

Consent to Receive Debt Collection Emails. In the event that you are in Default, you consent to receive debt collection emails from our debt collection service provider, TrueAccord Corp.  You certify that any email address you provide to Klarna can be used by TrueAccord Corp. for debt collection communications. You also certify that any email address you provide is a personal email address and not a work email address.  If you change your email address, it is your obligation to update your email address with Klarna.  

Credit Report Access and Reporting:You authorize Klarna to obtain consumer reports and other information about you from consumer reporting agencies, when you elect to use this payment option and periodically thereafter. You agree that we may use such consumer reports and other information to determine your eligibility for this and other payment options, and for the maintenance and collection of your account with us. We will only obtain consumer reports that do not impact your credit score and do not leave a hard inquiry on your credit report. 

We may report information about your order to credit bureaus. Late payments, missed payments, or other defaults on your account with us may be reflected in your credit report.

If you believe information we have given to a credit bureau is incorrect, write to us at the address below. When you write to us, tell us the specific information you believe is incorrect.

Storing Payment Method Details: You authorize us to store your payment method details in our systems. We will use this information to authorize future charges as described in this Agreement. Unless you opt out, we may also use this information to prefill your payment method details for future purchases. You may manage your payment method details online or through the Klarna app. In the event Klarna obtains updated payment method information from your bank, you agree that we may update and use this information in our system.

No Loan Broker: You agree and represent that no person has performed any act as a broker in connection with the making of this loan. 

Notices: Except as otherwise required by law, all notices regarding this payment option must be provided in writing to: Klarna Inc. PO Box 8116, Columbus, OH 43201. Klarna Customer Service.

Complaints

For complaints, the information provided on www.klarna.com applies. If you have a complaint towards Klarna, you can submit your complaint through the contact form on Klarna’s website (klarna.com) or via postal mail with the keyword “Complaint” to Klarna’s address.

State Disclosures

  • For California Consumers

FOR INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA.  This loan is made pursuant to the California Finance Lenders Law, Division 9 (commencing with Section 22000) of the Financial Code, License No. 60DBO-44020.

  • For North Dakota Consumers

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.

  • For South Dakota Consumers

Any improprieties by Klarna regarding its product offerings, or related practices may be referred to the South Dakota Division of Banking at: South Dakota Division of Banking, 605.773.3421, 1601 N. Harrison Avenue, Suite 1, Pierre, SD 57501. Fax: 866.326.7504, banking@state.sd.us.

  • For Washington Consumers

Fraudulent transactions may result in the loss of your money with no recourse.

Last updated 20 May 2020.