Welcome to ZIPVE!
By accessing or using ZIPVE’s website, mobile application, or any related services, you agree to be bound by these Terms of Service (the "Terms"). Please read them carefully, as they form a legal agreement between you ("User") and ZIPVE ("Company," "we," or "us"). If you do not agree to these Terms, please discontinue use of our services.

1. Introduction and Acceptance
1.1. These Terms govern your use of ZIPVE’s services ("Services") and apply to all users, including visitors to our website and those who have registered an account.
1.2. These Terms incorporate our Privacy Policy, which governs how we collect, use, and share your personal information.
1.3. By creating an account or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Eligibility
2.1. You must be at least 14 years old to use our Services. If you are under 18, you represent that your legal guardian has reviewed and agreed to these Terms.
2.2. The Services are not intended for individuals or entities prohibited by the laws of their jurisdiction or by applicable sanctions.

3. Account Registration and Security
3.1. To use certain features, you must register an account by providing accurate and current information, including your name, mobile number, and email address.
3.2. You are solely responsible for maintaining the confidentiality of your account credentials (e.g., password, OTP). ZIPVE is not liable for unauthorized access to your account.
3.3. You agree to notify us immediately if you become aware of any unauthorized access or breach of your account.

4. One-Time Passcodes (OTP) and Authentication
4.1. ZIPVE uses OTP via SMS to verify your identity during account setup and login. You consent to receive such authentication messages as part of using our Services.
4.2. If you opt out of receiving OTPs by replying "STOP" to any message, your access to key features, including account login, may be restricted.

5. User Responsibilities and Acceptable Use
5.1. By using the Services, you agree to:

• Provide accurate, up-to-date information.

• Use the Services only for lawful purposes and in compliance with these Terms.
  5.2. You agree NOT to engage in:

• Any form of unauthorized access, hacking, or security breach.

• Misuse of the Services for fraudulent, harmful, or unlawful activities.

• Sharing or transferring your account to another individual without our consent.
  5.3. ZIPVE reserves the right to suspend or terminate your account without notice if we determine that you have violated these Terms or engaged in unlawful behavior.

6. Fees and Payment (If Applicable)
6.1. Some features or services may require payment. All fees will be clearly disclosed prior to purchase.
6.2. By making a payment, you agree to the applicable terms of sale, including pricing and refund policies.
6.3. You are responsible for any charges imposed by your network carrier (e.g., SMS fees).

7. Intellectual Property Rights
7.1. ZIPVE retains all rights, title, and interest in and to the Services, including all related software, trademarks, and content.
7.2. You may not copy, distribute, modify, or create derivative works from any part of our Services without our express permission.
7.3. Any feedback or suggestions you provide to us may be used without compensation or acknowledgment.

8. Third-Party Services and Links
8.1. The Services may contain links to third-party websites or services that are not under our control.
8.2. ZIPVE is not responsible for the content, terms, or privacy practices of third-party websites or services. Use of such third-party services is at your own risk.

9. Data Protection and Privacy
9.1. ZIPVE is committed to protecting your personal data. Please refer to our Privacy Policy for detailed information on how we collect, use, and share your data.
9.2. By using our Services, you agree that your data may be processed in accordance with our Privacy Policy.

10. Limitation of Liability
10.1. ZIPVE provides the Services on an "as-is" and "as-available" basis without any warranties, express or implied.
10.2. We are not liable for:

• Service interruptions, delays, or errors.

• Loss of data, revenue, or profits arising from your use of the Services.

• Unauthorized access to your account.
  10.3. In no event shall ZIPVE’s total liability exceed the amount you paid for our Services in the preceding 12 months, if any.

11. Termination of Service
11.1. You may terminate your account at any time by contacting us or using the account settings in the app.
11.2. ZIPVE may suspend or terminate your account without prior notice if you violate these Terms or applicable laws.
11.3. Upon termination, your right to use the Services will immediately cease, and we may delete or deactivate your account.

12. Amendments to the Terms
12.1. We may update or modify these Terms at any time. Significant changes will be communicated via email or in-app notifications.
12.2. Your continued use of the Services after changes take effect constitutes your acceptance of the revised Terms.

13. Governing Law and Dispute Resolution
13.1. These Terms and any disputes or claims arising out of or in connection with them shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.
13.2. Any disputes arising from or relating to these Terms shall be resolved exclusively in the state or federal courts located in New York County, New York. Both parties consent to the personal jurisdiction of these courts and waive any objection to venue or jurisdiction.
13.3. You agree that any claims or disputes must be filed individually and not as part of a class action, collective action, or other representative proceeding. Both parties waive their right to participate in or initiate any class action lawsuit or class arbitration related to the Services.
13.4. Notwithstanding the above, the parties may agree to resolve disputes through binding arbitration as an alternative dispute resolution mechanism, provided such arbitration is conducted in accordance with the rules of the American Arbitration Association (AAA) in New York.

14. Indemnification
14.1. You agree to indemnify, defend, and hold harmless ZIPVE, its officers, directors, employees, and affiliates from any claims, damages, or liabilities arising out of:

• Your breach of these Terms.

• Your misuse of the Services.

• Any violation of applicable laws.

15. Force Majeure
15.1. ZIPVE shall not be held liable for any failure or delay in performance due to circumstances beyond our control, including but not limited to natural disasters, internet outages, or government actions.

16. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
Email: support@zipve.io