ZAVO WEBSITE TERMS

Please read these terms and conditions carefully before using this website.

1. Who We Are and How to Contact Us
   www.zavopay.com (the “Site”) is operated by Zavo LTD (“Zavo”, “we”, “us”, or “our”). We are registered in England and Wales under company number 14543620. Registered office: 71–75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. VAT number: 437463578.
   To contact us, email support@zavopay.com.

2. Acceptance of Terms
   By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy and Cookie Policy. If you do not agree, do not use the Site. If you breach these Terms, your right to access and use the Site ceases immediately.

3. Other Terms That Apply
   The following additional terms apply to your use of the Site:

• Privacy Policy (how we use your personal data).

• Cookie Policy (how we use cookies).

• If you purchase services via the Site, our Terms of Service apply.

4. Changes to These Terms
   We may update these Terms from time to time. Please check back regularly to ensure you understand the Terms in effect at the time of your use. Last updated: 26 March 2025.

5. Changes to the Site
   We may update or change the Site to reflect changes to our offerings, our users’ needs, or our business priorities. Changes are effective when posted. Your continued use of the Site constitutes acknowledgment of the amended Terms. Changes affecting services you purchase will be made in accordance with our Terms of Service.

6. Availability; Suspension or Withdrawal
   We do not guarantee the Site or content will always be available or uninterrupted. We may suspend, withdraw, or restrict the Site (in whole or part) for business or operational reasons, and will try to give reasonable notice. You are responsible for ensuring anyone accessing the Site via your connection is aware of and complies with these Terms.

7. Geographic Availability
   The Site, its content, and services are directed to individuals and businesses located in the United Kingdom. We make no representation that products or services referenced are appropriate or available outside the UK. If you access the Site from outside the UK, you do so at your own risk and are responsible for compliance with local laws. Access to certain products or services may be restricted in some countries or to certain individuals. You are responsible for ensuring your legal and fiscal status permits subscription to the Site’s products and/or services.

8. Registration
   To receive services through the Site, you must register for an account. You must be a duly authorized business owner, principal, or manager acting on your own behalf or for a duly incorporated partnership or corporate body. You are responsible for the accuracy and completeness of information provided during registration. We may refuse registration or decline applications at our discretion.

9. Account Security
   If we provide access to secure areas of the Site, you must keep your username and password confidential and not disclose them to third parties. If you suspect compromise, notify us promptly at support@zavopay.com.

10. . Security Measures
    We use industry-standard encryption in our online purchasing process. However, no system can guarantee complete security.

11. . Restrictions on Use
    You must not, without authority, access, interfere with, damage, or disrupt:

• any part of the Site;

• any equipment or network on which the Site is stored;

• any software used in the provision of the Site; or

• any equipment, network, or software owned or used by any third party.

12. . Use of Materials on the Site
    We own or license all intellectual property rights in the Site and its content. Works are protected by copyright laws and treaties worldwide. All rights are reserved.
    You must not use materials:

• unlawfully or fraudulently;

• to harm or attempt to harm minors;

• to bully, insult, intimidate, or humiliate any person;

• to transmit unsolicited or unauthorized advertising or promotional material (spam);

• in connection with child sexual exploitation or abuse; or

• to upload terrorist content.
  You may print one copy and download extracts of pages for personal use and may draw the attention of others within your organization to content on the Site. You must not modify paper or digital copies, and must not use illustrations, photographs, video or audio sequences, or graphics separately from accompanying text. Our status (and that of identified contributors) as authors must always be acknowledged (except for user-generated content). You must not use any part of Site content for commercial purposes without a license from us or our licensors. If you print, copy, download, share, or repost any part of the Site in breach of these Terms, your right to use the Site ceases immediately and you must return or destroy copies at our option.

13. . No Text or Data Mining; No Web Scraping
    You must not conduct, facilitate, authorize, or permit any text or data mining or web scraping in relation to the Site or services provided via or in relation to the Site. This includes using any robot, bot, spider, scraper, or other automated tool to access, obtain, copy, monitor, or republish any portion of the Site or any data, content, information, or services accessed via it, or any automated analytical technique aimed at analyzing text or data to generate information (including patterns, trends, and correlations).
    We expressly reserve our rights in this regard. This clause does not apply to the extent such exclusion or limitation is prohibited under applicable law.

14. . Information on the Site
    Content on the Site is for general information only and does not constitute advice. Obtain professional advice before taking or refraining from actions based on Site content. We use reasonable efforts to update information but make no representations, warranties, or guarantees, express or implied, that content is accurate, complete, or up-to-date.

15. Third-Party Websites and Partners
    Links to third-party websites and resources are provided for information only and are not endorsements. Campaigns hosted by third-party partners may include embedded links; we do not control and are not responsible for their content. Our services may be powered by a third-party payment processor; the Site may link to that processor’s website for information. You must follow their terms when interacting with their site. We have no control over third-party websites or resources.

16. Viruses and Misuse
    We do not guarantee the Site will be secure or free from bugs or viruses. You are responsible for configuring your IT, computer programs, and platform to access the Site and should use your own virus protection software.
    You must not introduce viruses, trojans, worms, logic bombs, or other malicious or technologically harmful material, attempt to gain unauthorized access to the Site, its servers, or any server, computer, or database connected to the Site, or attack the Site via a denial-of-service or distributed denial-of-service attack. Breach may constitute a criminal offense under the Computer Misuse Act 1990. We will report breaches to law enforcement and cooperate by disclosing your identity. Your right to use the Site ceases immediately upon such breach.

17. Linking to Our Site
    You may link to our home page in a fair and legal manner that does not damage our reputation or take advantage of it. You must not suggest any association, approval, or endorsement where none exists. You must not link from a website you do not own. The Site must not be framed on any other site, nor may you create a link to any part of the Site other than the home page. We may withdraw linking permission without notice. The website you link from must comply with these content standards. For uses beyond the above, contact support@zavopay.com.

18. Responsibility for Losses and Damages
    We do not exclude or limit liability where unlawful to do so, including for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.
    We exclude all implied conditions, warranties, representations, or other terms that may apply to the Site or its content.
    We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, the Site; or

• use of or reliance on any content displayed on the Site.
  In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;

• business interruption;

• loss of anticipated savings;

• loss of business opportunity, goodwill, or reputation; or

• any indirect or consequential loss or damage.
  Consumers: The Site is provided for domestic and private use. You agree not to use the Site for commercial or business purposes; we have no liability for any business-related losses.
  Businesses: You agree to indemnify, defend, and hold harmless Zavo LTD from all losses, liabilities, costs, claims, damages, proceedings, and expenses (including legal fees) arising from your breach of these Terms.

19. Limitation of Liability
    Consumers: If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach or failure to use reasonable care and skill. We are not responsible for loss or damage that is not foreseeable.
    Businesses: Our total liability to you arising under or in connection with these Terms, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, is limited to the lesser of (i) fees paid by you to us in the twelve (12) months prior to the event giving rise to liability, or (ii) £10,000.

20. Submissions and Feedback
    Except as described in our Privacy Policy, anything you submit through the Site (including comments, ideas, suggestions, or questions) is non-confidential and non-proprietary. By submitting, you grant us an irrevocable, non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, distribute, display, publish, broadcast, adapt, modify, and otherwise exploit your submission, including for promoting our services and developing content.

21. Enforcement
    If we believe you have not complied with these Terms, we may:

• immediately and temporarily or permanently suspend your access to the Site;

• issue a warning;

• bring legal action to recover losses or damages; and/or

• pursue any other remedy available under these Terms or at law.

22. Governing Law and Jurisdiction
    These Terms, their subject matter, and their formation (and any non-contractual disputes or claims) are governed by the laws of England and Wales.
    Consumers: The courts of England and Wales have exclusive jurisdiction, except that residents of Northern Ireland may also bring proceedings in Northern Ireland and residents of Scotland may also bring proceedings in Scotland.
    Businesses: The courts of England and Wales have exclusive jurisdiction.