Terms of Use

These Terms & Conditions (the "Terms") govern your access to and use of the websites, applications, and related services provided by Zifino ("Zifino", the "Company", "we", "us", or "our") (collectively, the "Services"). By accessing or using the Services, you agree to these Terms.

If you do not agree to these Terms, do not use the Services.

1. Eligibility and Account Registration

You must be at least the age of majority in your jurisdiction to use the Services. If you create an account, you agree to provide accurate information and to keep it updated. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account.

2. License and Acceptable Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for your internal business or personal purposes (as applicable to your plan).

You agree not to:

• Use the Services for unlawful, harmful, or fraudulent purposes.
• Attempt to access, probe, or interfere with systems or networks (including via hacking, scanning, or denial-of-service).
• Reverse engineer, decompile, or attempt to extract source code except where permitted by law.
• Circumvent security or access controls, or use the Services to compromise third-party systems.
• Copy, modify, distribute, sell, lease, or sublicense the Services except as expressly permitted.
• Upload or transmit malware, spyware, or other malicious code.

3. Subscriptions, Fees, and Payments

If you purchase a subscription, you agree to pay the applicable fees and taxes. Payments are processed by third-party payment processors. We may change fees upon reasonable notice and as permitted by law. Unless required otherwise, subscription fees are non-refundable.

4. Customer Content and Feedback

"Customer Content" means content you submit to the Services (including files, text, and other materials). You retain ownership of Customer Content. You grant us a limited license to host, process, transmit, and display Customer Content solely to provide and improve the Services and as otherwise permitted by you.

If you provide feedback, you grant us the right to use it without restriction or compensation.

5. Privacy

Our Privacy Policy describes how we collect and use information. By using the Services, you agree to our Privacy Policy.

6. Intellectual Property

The Services, including software, designs, text, graphics, and logos, are owned by Zifino or its licensors and are protected by intellectual property laws. Except for the limited rights granted in these Terms, no rights are granted to you.

7. Third-Party Services and Links

The Services may integrate with or link to third-party services. We do not control third-party services and are not responsible for their content, policies, or practices. Your use of third-party services is governed by their terms.

8. Disclaimers

The services are provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted or error-free.

9. Limitation of Liability

To the maximum extent permitted by law, Zifino will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the services.

To the maximum extent permitted by law, our total liability for any claim arising out of or related to the services will not exceed the amount you paid to Zifino for the services in the 12 months before the event giving rise to the claim (or $100 if you have not paid).

10. Indemnification

You agree to defend, indemnify, and hold harmless Zifino and its affiliates, officers, directors, employees, and agents from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your Customer Content; or (c) your violation of these Terms.

11. Termination

You may stop using the Services at any time. We may suspend or terminate your access if you violate these Terms or if required to do so for legal or security reasons. Upon termination, your right to use the Services will cease.

Data export/deletion upon termination: We will retain your data for up to 365 days after termination unless explicitly asked to do otherwise.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of Massachusetts, without regard to conflict of laws principles.

13. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms and update the effective date above. If changes are material, we may provide additional notice.

14. Contact

Email: hello@zifino.com