Privacy Policy

Varni Labs Inc. with its registered address at 651 N Broad Street, Suite 201, Middletown – 19709, New Castle, Delaware that enables you to access a suite of financial services and products. Varni Labs Inc. provides its services under the brand name Zamp Finance. This Privacy Policy applies to the Zamp Finance Platform (which includes any websites and or mobile applications) which is under the ownership, control and/or may be licensed to Varni Labs Inc.. This Privacy Policy describes the information we collect from you via the Zamp Finance Platform and what happens to that information. Any changes to this Privacy Policy will be intimated to you via email and/or through the Zamp Finance Platform. For avoidance of doubt the term “you” in this Privacy Policy includes you as an individual as well as any company/organization/body corporate/association of persons whom you represent or on whose behalf you may be acting. Your use of the Zamp Finance Platform indicates your explicit consent to the terms of this Privacy Policy including any changes made hereto. If you are accessing the Zamp Finance Platform on behalf of a company/organization/body corporate/association of persons whom you represent and warrant that you have the express authorization of said company/organization/body corporate/association of persons to act on their behalf and accept the terms of this Privacy Policy on their behalf.
1. Information Collection
We may collect information including but not limited to the following about you and your use of the Zamp Finance Platform in order to create a better, more personalized experience for you or for internal research purposes: Your name, email address, address, date of birth, telephone number, a password selected by you, and data that may be selected or entered by you through the Platform. Furthermore, we may collect your payment and financial information which will be stored by our third party payment processors, and service providers who provide KYC/KYB, AML/CFT and other regulatory compliance services to us.

We may track certain information about users of the Zamp Finance Platform including but not limited to internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, click patterns, etc.), your mobile device’s unique ID number, your mobile device’s geographic location while the app is running, your computer’s IP address, technical information about your computer or mobile device (such as type of device, web browser or operating system), your preferences and settings (time zone, language, privacy preferences, product preferences, etc.), the URL of the last web page you visited before coming to one of our sites, the buttons, controls and ads you clicked on (if any), how long you used the Platform.

Certain features and functionalities of the Zamp Platform may be based on your location. In order to provide these features and functionalities while you are using a mobile device, We may, with your consent, automatically collect geolocation information from your mobile device, wireless carrier, or certain third-party service providers. Such information is collectively called the Geolocational Information. Collection of such Geolocational Information occurs only when the Zamp Platform is running on your device. You may decline to allow Us to collect such Geolocational Information, in which case Zamp will not be able to provide certain features or functionalities to you.
2. Individuals under the Age of 18
The Zamp Platform is not intended for individuals under 18 years of age. No one under age 18 may provide any personal information to the Website. We do not knowingly collect personal information from individuals under 18. If you are under 18, do not use or provide any information on the Websiteor through any of its features, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If We learn We have collected or received personal information from an individual under 18 without verification of parental or legal custodian consent, We will delete that information. If you believe We might have any information from or about an individual under 18, please contact Us and We will endeavor to delete that information from Our databases.
3. Use of Information
You agree that we may use your information in the following ways:
  • To provide our Services to you,
  • to enable us to create a better, more personalized experience for you based on your individual usage habits, analyze site usage and disclose aggregated statistics, improve our content and service offerings, aid in our monetization efforts, and customize our Platform’s content, layout and services. This may include migrating your information to other platforms owned by us. We also use the information we collect about you to review and investigate your activities or transaction on our Platform, resolve disputes, troubleshoot problems, and enforce our Terms of Service Agreement.
  • We may use your correspondence with us, information posted by you for publication on our Platform for promotional, sales or any use that we consider appropriate, whether submitted via email, or posted on our Platform.
  • We may share your information with third party partners or third parties hired by us to perform functions and provide services to us subject to confidentiality obligations consistent with this Privacy Policy and on the condition that the third parties use your information only on our behalf and pursuant to our instructions.
  • We may disclose any information in response to a legal request such as a subpoena, court order, or government demand, to investigate or report illegal activity, or to enforce our rights or defend claims. We may also transfer your information to another company in connection with a partnership or a corporate restructuring, such as a sale or merger.
4. Storage
By using the Platform, you agree that your personal information may be transferred to the United States of America or elsewhere and you agree to the information collection, use, and sharing practices described in this Privacy Policy.
5. Security
We have established both physical and electronic procedures to safeguard and secure the information we collect. However, the internet is an open system, and we can make no guarantees as to the security or privacy of your information submitted to the Zamp Finance Platform. For this reason, we recommend that you use anti-virus software, routine credit checks, firewalls and other precautions to protect yourself from security and privacy threats.
6. Third Party Websites
The Platform may contain links to other websites that we believe may be of interest or use to you. We provide these links solely as a convenience to you. Links may also be posted by other users of the Platform. When accessing a third party website through our Platform, you acknowledge that you areaware that these third party websites are not screened for privacy or security issues by us. Please note that our Privacy Policy and information collection, use and sharing procedures do not apply to other websites. We take no responsibility for and incur no liability for other websites’ collection, use or sharing of information. Please review the privacy policies provided by each website linked to the Platform to familiarize yourself with the procedures of such websites. Please be aware that this Privacy Policy, and any other policies in place, in addition to any amendments, do not create rights enforceable by third parties.
7. Law Enforcement
You agree that we may disclose your information to authorities if compelled to by a court order or by an investigating agency/regulatory body in lawful exercise of the powers conferred on such investigating agency/regulatory body. Additionally, you agree that we may disclose your information if we reasonably believe that you have violated the laws of the United States of America, or international laws or the terms of our Terms of Service or Privacy Policy. We are under no obligation to inform you of any disclosures or potential disclosures of your information as mentioned in this paragraph. You release us from any claims for damages that may arise from or relate to the release of your information in compliance with a court order or a request made by an investigating agency/regulatory body. We may release your information under the conditions listed in this paragraph whether it is to individuals or entities and to any state or national authorities, as required.
8. Commercial and Non-Commercial Communications
If you decide to provide us with your contact information, you agree that we may send you communications and emails. However, you may unsubscribe from certain communications by notifying us that you no longer wish to receive such communications. Once notified, we will endeavour to remove you from our database immediately.
9. Third Party Access to Your Information
Throughout the course of our provision of our services to you through our Platform, we may delegate our authority to collect, access, use, and disseminate your information. It is therefore necessary that you grant the third parties we may use in the course of our business the same rights that you afford us under this Privacy Policy. For this reason, you hereby agree that for every authorization which you grant to us in this Privacy Policy, you also grant to any third party that we may hire, contract, or otherwise retain the services for the purpose of providing service to you or for operating, maintaining, repairing, or otherwise improving or preserving our Platform or its underlying files or systems. As we do not control these third parties, you agree that we shall not be liable for the actions of any of these third parties, even if we would normally be held vicariously liable for their actions, and that you must take legal action against them directly should they commit any tort or other actionable wrong against you.
10. Cookies and Tracking
We may use cookies and other tracking mechanisms through the Zamp Finance Platform to identify you and remember your preferences. By accessing the Zamp Platform and accepting this Privacy Policy, you provide your explicit consent to allow us to use cookies and other tracking mechanisms through the Zamp Finance Platform to identify you and remember your preferences.
11. Amendments
We may amend this Privacy Policy from time to time. When we amend this Privacy Policy, you must agree to the amendments as a condition of your continued use of our Platform. If you do not agree, you must immediately cease using our Platform and notify us of your refusal to agree by contact us by contact form.
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*Interest rates are subject to market conditions and returns may vary based on these interest rates. Returns of up to 5.48% as of July 14th, 2023. More information can be found at the Treasury Department's website. The material presented is for informational purposes only and should not be construed as investment advice. It is not a recommendation of, or an offer to sell or solicitation of an offer to buy, any particular security, strategy or investment product. Investing in securities involves risks, including the potential loss of money, and past performance does not guarantee future results. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes, and may not reflect actual future performance. Product images shown are for informational and illustrative purposes only, and may not reflect how they will actually appear within the product. Nothing on this document should be construed as personalized investment advice, which can only be provided in one-on-one communications. The materials and services presented in this document are directed to Customers and Potential Customers who are business entities in the United States of America. Zamp Finance does not solicit retail or foreign investors.
Advisory services offered through Varni Labs Inc. ("Zamp Finance"), an SEC-registered investment advisor. Subadvisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Atomic Invest was formerly known as Helium Advisors LLC. Brokerage services provided by BNY Mellon Pershing, member SIPC, through a clearing and custody relationship with Atomic Invest. Varni Labs Inc. ("Zamp Finance") has a subadvisory relationship with Atomic Invest to manage and execute investments on behalf of its customers. Technology services may be provided by Atomicvest. Pershing LLC and Varni Labs Inc are separate, unaffiliated companies, each responsible for their own policies and procedures. Trademarks belong to their respective owners. For further information about Zamp, you can view us on the SEC website. Brokerage custody is provided by Pershing LLC, member FINRA, NYSE, SIPC, a BNY Mellon company. Sources: FINRA, SIPC, BNY Mellon Pershing, TreasuryDirect and others.