Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Zavin Technologies, Inc. ("Zavin," "we," "us," or "our") governing your access to and use of our financial infrastructure platform and related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not access or use our Services.

We may modify these Terms at any time. We will provide notice of material changes via email or through our Services. Your continued use of the Services after such modifications constitutes acceptance of the updated Terms.

2. Description of Services

Zavin provides financial infrastructure enabling:

• Multi-currency account management and settlement
• Digital asset to fiat currency conversion
• Cross-border value movement coordination
• Treasury-based settlement services
• API access for platform integration

The specific features and capabilities available to you depend on your account type, verification status, and applicable commercial agreements.

3. Eligibility

To use our Services, you must:

• Be at least 18 years old or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Services under applicable law
• Not be located in a prohibited or sanctioned jurisdiction
• Complete our verification and onboarding process
• Provide accurate and complete information

By using our Services, you represent and warrant that you meet these eligibility requirements.

4. Account Registration and Security

4.1 Registration

You must provide accurate, complete, and current information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4.2 Verification

We may require identity verification (KYC) and compliance checks (AML) before providing access to certain Services. You agree to:

• Provide all requested documentation and information
• Undergo periodic re-verification as required
• Update your information when it changes
• Cooperate with additional verification requests

4.3 Account Security

You must:

• Keep your login credentials secure and confidential
• Enable two-factor authentication where available
• Notify us immediately of any unauthorized access or security breach
• Not share your account access with others

You are responsible for all activities under your account, whether or not authorized by you.

5. Prohibited Activities

You agree not to:

5.1 Illegal Activities

• Use our Services for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Engage in money laundering, terrorist financing, or fraud
• Process transactions related to illegal goods or services

5.2 Platform Abuse

• Interfere with or disrupt our Services or servers
• Attempt to gain unauthorized access to our systems
• Use automated tools to access our Services without authorization
• Transmit malware or harmful code
• Reverse engineer or decompile our software

5.3 Fraudulent Conduct

• Provide false, inaccurate, or misleading information
• Impersonate another person or entity
• Create multiple accounts to evade restrictions
• Engage in transaction manipulation or wash trading

5.4 Sanctions and Restrictions

• Use our Services if you are on any sanctions list
• Transact with individuals or entities on sanctions lists
• Circumvent geographic or other restrictions

6. Fees and Payments

6.1 Fee Structure

Our fee structure will be provided to you during onboarding and may include:

• Transaction fees
• Currency conversion fees
• Platform usage fees
• Settlement fees
• Wire transfer fees

6.2 Payment Terms

• Fees are non-refundable unless otherwise stated
• We may modify our fee structure with 30 days advance notice
• You authorize us to deduct fees from your account balance
• All fees are exclusive of applicable taxes

6.3 Insufficient Funds

You are responsible for maintaining sufficient funds in your account to cover all transactions and fees. We may suspend services if your account has insufficient funds.

7. Risk Disclosure

You acknowledge and accept these risks. We do not provide investment advice, and you should consult with financial, legal, and tax professionals before using our Services.

8. Intellectual Property

All content, features, and functionality of our Services, including but not limited to software, APIs, designs, logos, and documentation, are owned by Zavin and protected by intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your internal business purposes.

You may not copy, modify, distribute, sell, or lease any part of our Services, nor may you reverse engineer or attempt to extract source code, except as permitted by law.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• ZAVIN SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• ZAVIN SHALL NOT BE LIABLE FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• ZAVIN'S TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM
• THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY OF LIABILITY

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Zavin, its affiliates, officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your infringement of any third-party rights
• Your negligence or misconduct

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting us. You remain liable for all obligations incurred prior to termination.

11.2 Termination by Zavin

We may suspend or terminate your access immediately and without notice if:

• You violate these Terms
• We suspect fraudulent, illegal, or suspicious activity
• Required by law or regulatory authority
• Your account poses a risk to our platform or other users
• You fail to complete required verification

11.3 Effect of Termination

Upon termination, you must cease all use of our Services. We will work with you to facilitate withdrawal of your funds, subject to applicable laws and our verification requirements. Provisions that by their nature should survive termination shall survive.

12. Dispute Resolution

12.1 Informal Resolution

Before filing a claim, you agree to contact us at legal@zavin.io to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 60 days.

12.2 Arbitration

Any dispute not resolved informally shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

• The arbitration shall be conducted in English
• The seat of arbitration shall be New York, New York
• The arbitrator's award shall be final and binding
• Each party shall bear its own costs and expenses

12.3 Class Action Waiver

You agree that disputes must be brought on an individual basis only, and may not be brought as a class action, representative action, or similar proceeding.

13. General Provisions

13.1 Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

13.2 Entire Agreement

These Terms, together with our Privacy Policy and any separate commercial agreements, constitute the entire agreement between you and Zavin regarding our Services.

13.3 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

13.4 Waiver

No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

13.5 Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms at any time without notice.

14. Contact Information

For questions about these Terms, contact us at: