Terms of Service

1. Acceptance of Terms

By accessing or using ZapPay's services, website, or mobile applications, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services. These Terms of Service apply to all users, including visitors, registered users, and merchants.

2. Description of Services

ZapPay provides virtual card payment solutions that allow businesses and individuals to:

• Create and manage virtual payment cards
• Process online transactions securely
• Set spending limits and controls on cards
• Track and monitor transactions in real-time
• Integrate payment solutions via our API
• Access reporting and analytics tools

3. Account Registration

To use our services, you must create an account and provide accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your contact information remains up to date

We reserve the right to suspend or terminate accounts that violate these terms or engage in suspicious activity.

4. Acceptable Use Policy

You agree not to use ZapPay services for any unlawful purpose or in violation of these terms. Prohibited activities include:

• Fraudulent transactions or money laundering
• Purchasing illegal goods or services
• Violating any applicable laws or regulations
• Attempting to bypass security measures
• Interfering with the proper functioning of our services
• Using the service to harm others or infringe on their rights

5. Fees and Payments

You agree to pay all fees associated with your use of ZapPay services as outlined in our pricing plans. Key terms include:

• Fees are billed according to your selected plan
• All fees are non-refundable unless otherwise stated
• We may change our fees with 30 days prior notice
• You are responsible for any applicable taxes
• Failed payments may result in service suspension

6. Virtual Card Terms

Virtual cards issued through ZapPay are subject to the following conditions:

• Cards remain the property of ZapPay and our issuing partners
• Cards may only be used for legitimate business purposes
• Spending limits and restrictions may apply based on your account tier
• We may freeze or cancel cards suspected of fraudulent activity
• Card details must be kept secure and not shared inappropriately

7. Intellectual Property

All content, features, and functionality of ZapPay services, including but not limited to text, graphics, logos, icons, images, software, and the compilation thereof, are the exclusive property of ZapPay and are protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Limitation of Liability

To the fullest extent permitted by law, ZapPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use of our services. Our total liability shall not exceed the amount you paid to ZapPay in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless ZapPay, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of our services, violation of these terms, or infringement of any third-party rights.

10. Termination

We may terminate or suspend your account and access to our services immediately, without prior notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties. Upon termination, your right to use the services will cease immediately. You may also terminate your account at any time by contacting our support team.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved exclusively in the state or federal courts located in San Francisco, California.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the new terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at: