Last updated date: 16 July 2021
Service between you (the “you”, “your”) and Zolve Innovations, Inc., a Delaware
“we”, “our”, “us”).
As used in these Terms, "Service" refers to our online platform, website, the App, any software, programs, documentation, tools, and components, and any updates (including software maintenance, service information, help content, bug fixes or maintenance releases) provided to you by us, directly or indirectly. To use the Service, you must agree to all the terms in these Terms. We may present to you an offer from a Bank to open one or more of the following: a Zolve deposit account (“Banking Account”), a Zolve debit card (“Zolve Debit Card”) or Zolve credit card (“Zolve Credit Card”) and, individually and collectively, with the Banking Account and Zolve Card, the “Bank Products”. Our Services may be provided to you to help you view, manage and access your Bank Products. The Bank Products are made available by a bank , member of the Federal Deposit Insurance Corporation (each, a “Bank”), in partnership with us. We operate software that allows you to access services of Bank but we do not provide banking services. All banking, lending and money transmission services are provided by the Bank. The Bank Products are each governed by the terms and conditions you enter into with each Bank (the “Bank Agreement”). The Bank Products are not offered by us, and instead are offered by Bank.
Certain services may be subject to additional terms and conditions specified by us from time to time, and your use of such services is subject to those additional terms and conditions, which are hereby incorporated into these Terms by reference
PLEASE READ THIS AGREEMENT CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.
This is a contract between you and Company. You must read and agree to these terms before using the Service. If you do not agree, you may not use the Service. You may use the Service only if you can form a binding contract with Company, and only in compliance with these Terms and all applicable local, state, national, and international laws, rules and regulations. Any use or access to the Service by anyone under 18 is strictly prohibited and in violation of these Terms. The Service is not available to any Users previously removed from the Service by Company.
Subject to the terms and conditions of these Terms, you are hereby granted a non-exclusive,
limited, nontransferable, freely revocable license to use the Service for your personal,
noncommercial use only and as
permitted by the features of the Service. Company reserves all rights not expressly granted
herein in the Service and the Company Content (as defined below). Company may terminate this
at any time for any reason or no reason.
We may make available software to access the Service via a mobile device (the “App”). To use the App you must have a mobile device that is compatible with the App. Company does not warrant that the App will be compatible with your mobile device. You may use mobile data in connection with the App and may incur additional charges from your wireless provider for these services. You agree that you are solely responsible for any such charges. Company hereby grants you a non-exclusive, non-transferable, revocable license to use a compiled code copy of the App for one Company account on one mobile device owned or leased solely by you, for your personal use. You may not: ( i) modify, disassemble, decompile or reverse engineer the App, except to the extent that such restriction is expressly prohibited by law; (ii) rent, lease, loan, resell, sublicense, distribute or otherwise transfer the App to any third party or use the App to provide time sharing or similar services for any third party; (iii) make any copies of the App; (iv) remove, circumvent, disable, damage or otherwise interfere with security-related features of the App, features that prevent or restrict use or copying of any content accessible through the App, or features that enforce limitations on use of the App; or (v) delete the copyright and other proprietary rights notices on the App. You acknowledge that Company may from time to time issue upgraded versions of the App, and may automatically electronically upgrade the version of the App that you are using on your mobile device. You consent to such automatic upgrading on your mobile device, and agree that the terms and conditions of these Terms will apply to all such upgrades. Any third-party code that may be incorporated in the App is covered by the applicable open source or third-party license end user license agreement, if any, authorizing use of such code. The foregoing license grant is not a sale of the App or any copy thereof, and Company or its third-party partners or suppliers retain all right, title, and interest in the App (and any copy thereof). Any attempt by you to transfer any of the rights, duties or obligations hereunder, except as expressly provided for in these Terms, is void. Company reserves all rights not expressly granted under these Terms.
The Service is controlled from facilities in the United States. Company makes no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States and local laws and regulations, including but not limited to export and import regulations. You may not use the Service if you are a resident of a country embargoed by the United States, or are a foreign person or entity blocked or denied by the United States government. You agree to comply with all United States and foreign laws related to use of the Service.
Company allows you to register with us to access certain portions of the Service. To register
with us, you
need to provide information, including email address, personal information (e.g., street
telephone number, date of birth, etc.) and a self-selected password, in order to create an
("Account"). You authorize us, directly or through third parties, to make inquiries
or verify that any and
all information you provide to us is accurate and complete (for example, through social
media or third
party databases). You specifically authorize us to request a consumer report that contains
your name and
Once your request to register with us has been approved and you have been provisioned an Account, Company may grant you access to certain services and functionality that we may establish and maintain from time to time and in our sole discretion. We may maintain different types of accounts for different types of Users.
You may never use another person’s account without permission. When creating your Account, you must provide accurate and complete information, and you must keep this information up to date. You are solely responsible for the activity that occurs on your Account, and you must keep your Account password secure. We encourage you to use “strong” passwords (passwords that use a combination of upper and lower case letters, numbers and symbols) with your Account. You must notify Company immediately of any breach of security or unauthorized use of your Account. Company will not be liable for any losses caused by any unauthorized use of your Account.
If you open, obtain or otherwise access Bank Products, you will be able to manage your Bank
view your transaction history and other account information, perform certain transactions,
various features of your Bank Products using the Service through the App. Your use of the
governed by these Terms, but the Banking Products and any transactions you make in
your Banking Products (including transactions you initiate through the Service) are covered
by the Bank
The Service allows you to perform certain functions and transactions on or related to your Bank Products, including, viewing your balance and transaction history, and submitting transaction instructions to Bank, including instructs to transfer funds between your Banking Account and any bank account you link using the Service. Through the App, you may direct us to retrieve your account transaction history, balance information, and/or other information maintained by third-parties with which you have relationships, maintain accounts or engage in financial transactions (“Third-Party Account Information”). We work with one or more third-party service providers to access this Third-Party Account Information. We will use this information to provide you with the Service you request, for our own internal business purposes and to offer you other products and services that may be of interest to you. By requesting an account link, you authorize us to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. You also agree that you are responsible for keeping any passwords and usernames you provide to us so we can retrieve this ThirdParty Account Information secure, and for keeping those passwords and user names up to date in the App. We do not review the Third-Party Account Information for accuracy, legality or non-infringement, and we are not responsible for your Third-Party Account Information or products and services offered by or on third-party sites. You acknowledge that any Third-Party Account Information that is displayed through the Service will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity. Any transfer between your Banking Account and linked account are governed by the Bank Agreement. Certain transaction limitations may apply to the linked account transfers. Please refer to the Bank Agreement for details.
By using the Service, you agree that we and Bank are entitled to act on transaction or any other instructions we receive under your login ID and password for the Service, and you agree that any actions taken under your login ID and password will have the same effect as a signature authorizing the transaction or other action. Subject to applicable law, we reserve the right to deny transactions or any other actions you authorize through the Service without notice to you.
You agree not to engage in any of the following prohibited activities: (i) copying,
distributing, or disclosing
any part of the Service in any medium, including without limitation by any automated or non
“scraping”; (ii) using any automated system, including without limitation “robots,”
readers,” etc., to access the Service in a manner that sends more request messages to the
servers than a human can reasonably produce in the same period of time by using a
conventional on-line web browser (except that Company grants the operators of public search
revocable permission to use spiders to copy publicly available materials from the Company
Site for the
sole purpose of and solely to the extent necessary for creating publicly available
searchable indices of the
materials, but not caches or archives of such materials); (iii) transmitting spam, chain
letters, or other
unsolicited email; (iv) attempting to interfere with, compromise the system integrity or
decipher any transmissions to or from the servers running the Service; (v) taking any action
or may impose at our sole discretion an unreasonable or disproportionately large load on our
infrastructure; (vi) uploading invalid data, viruses, worms, or other software agents
through the Service;
(vii) collecting or harvesting any personally identifiable information, including account
names, from the
Service; (viii) using the Service for any commercial solicitation purposes; (ix)
impersonating another person
or otherwise misrepresenting your affiliation with a person or entity, conducting fraud,
attempting to hide your identity; (x) interfering with the proper working of the Service;
(xi) accessing any
content on the Service through any technology or means other than those provided or
authorized by the
Service; or (xii) bypassing the measures we may use to prevent or restrict access to the
without limitation features that prevent or restrict use or copying of any content or
enforce limitations on
use of the Service or the content therein.
We may, without prior notice, change the Service; stop providing the Service or features of the Service, to you or to Users generally; or create usage limits for the Service. We may permanently or temporarily terminate or suspend your access to the Service without notice and liability for any reason, including if in our sole determination you violate any provision of these Terms, or for no reason. Upon termination for any reason or no reason, you continue to be bound by these Terms.
You are solely responsible for your interactions with other Company Users. We reserve the right, but have no obligation, to monitor disputes between you and other Users. Company shall have no liability for your interactions with other Users, or for any User’s action or inaction.
There are no fees for accessing or using the Service, but there may be fees associated with your Banking Products. Please refer to the Bank Agreement for information concerning such fees.
We do not claim ownership of user-generated content and material. Any and all photographs, articles,
images, graphics, videos, sounds, music, audio recordings, text, files, profiles, communications,
comments, feedback, suggestions, ideas, concepts, questions, data or other content that you (i)
post on or through the Service, on any of our blogs, social media accounts or through tools or
we provide for posting or sharing such content with us; or (ii) have posted or uploaded to your
media accounts, including but not limited to Instagram, Twitter, Facebook, Tumblr and Pinterest,
are tagged with any Company promoted hashtag (collectively “User Content”) shall be deemed
nonconfidential and nonproprietary. By submitting or posting any User Content, you grant to Company
and its affiliates a perpetual, irrevocable, royalty-free, worldwide, sublicensable and transferable
to copy, publish, translate, modify, reformat, create derivative works from, distribute, reproduce,
display, transmit, publish, broadcast, host, archive, store, cache, use or otherwise exploit all or
of the User Content, as well as your name, persona and likeness included in any User Content and
social media account handle, username, real name, profile picture and/or any other information
associated with the User Content, in any commercial or noncommercial manner whatsoever, in whole or
in part, in any and all distribution channels, forms, media or technology, whether now known or
developed, including but not limited to in stores, printed marketing materials, emails, web pages,
media accounts and for any other marketing, advertising, public relations, sales or promotional
with or without attribution and without further notice to you. Neither you, nor any other person or
will have the right to (i) receive any royalty or consideration of any kind for the use of the User
pursuant to these Terms or (ii) inspect or approve the editorial copy or other material that may be
in connection with the User Content. Company will be free to use any ideas, concepts, know-how or
techniques contained in such User Content for any purpose whatsoever, including but not limited to
developing, manufacturing and marketing products that incorporate or otherwise rely upon such
information. Company shall have no obligation to monitor User Content, use or display User Content,
compensate you for submitting User Content or respond to any User Content. Company retains the
in its sole discretion and without prior notice, to remove, revise or refuse to post any User
Content for any
reason or no reason. Subject to the licenses granted in these Terms, you retain ownership of any
and other rights you may have in the User Content.
By submitting or posting User Content on the Service, on your social media accounts or through any tools or applications we provide for posting or sharing your User Content with us, you represent and warrant that (i) you own or control any and all rights in and to the User Content, and the right to grant all of the rights and licenses in these Terms, and if you are not the holder of such rights, the holder of such rights has completely and effectively waived all such rights and irrevocably granted you the right to grant the licenses stated above without the need for payment to you or any other person or entity; (ii) you have obtained permission from any individuals that appear in the User Content to use, and grant others the right to use, their name, image, voice and/or likeness without the need for payment to you or any other person or entity; (iii) you are 18 years of age or older; and (iv) the User Content does not (a) contain false or misleading information, (b) infringe on the intellectual property, privacy, publicity, statutory, contractual or other rights of any third party, (c) contain any libelous, defamatory, obscene, offensive, threatening or otherwise harassing or hateful content, (d) contain any addresses, email addresses, phone numbers or any contact information or (e) contain computer viruses, worms or other harmful files. Upon request by Company, you will furnish Company any documentation, substantiation or releases necessary to verify your compliance with these Terms. You are solely responsible for the User Content and you hereby agree to indemnify and hold Company and its employees, agents, affiliates, assigns and licensees harmless from any and all damages, claims, expenses, costs or fees arising from or in connection with a breach of any of the foregoing representations or your violation of any law or rights of a third party.
Company does not guarantee the truthfulness, accuracy or reliability of any User Content or endorse any opinions expressed by you or anyone else. By submitting or posting the User Content you fully and unconditionally release and forever discharge Company and its officers, directors, employees and agents from any and all claims, demands and damages (actual or consequential, direct or indirect), whether now known or unknown, of every kind and nature relating to, arising out of or in any way connected with: (i) disputes between you and one or more users or any other person or entity, or (ii) the use by Company or you of the User Content, including, without limitation, any and all claims that use of the User Content pursuant to these Terms violates any of your Intellectual Property Rights, rights of privacy or rights of integrity. You acknowledge and agree that Company has no control over, and shall have no liability for any damages resulting from, the use (including, without limitation, re-publication) or misuse by you or any third party of any User Content. Company acts as a passive conduit for User Content and has no obligation to screen or monitor User Content. If Company becomes aware of any User Content that allegedly may not conform to these Terms, Company may investigate the allegation and determine in its sole discretion whether to take action in accordance with these Terms. Company has no liability or responsibility to Users for performance or nonperformance of such activities. Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, rights of attribution, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.
COMPANY HAS THE ABSOLUTE RIGHT TO REMOVE AND/OR DELETE WITHOUT NOTICE ANY USER CONTENT WITHIN ITS CONTROL THAT IT DEEMS OBJECTIONABLE. YOU CONSENT TO SUCH REMOVAL AND/OR DELETION AND WAIVE ANY CLAIM AGAINST COMPANY FOR SUCH REMOVAL AND/OR DELETION. COMPANY IS NOT RESPONSIBLE OR LIABLE FOR FAILURE TO STORE POSTED CONTENT OR OTHER MATERIALS YOU TRANSMIT THROUGH THE SERVICE. YOU SHOULD TAKE MEASURES TO PRESERVE COPIES OF ANY DATA, MATERIAL, CONTENT OR INFORMATION YOU POST ON THE SERVICE OR ANY OTHER SITES OR PLATFORMS.
Except for your User Content, the Service and all materials therein or transferred thereby,
without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks,
marks, copyrights, photographs, audio, videos, music, and User Content belonging to other Users (the
“Company Content”), and all Intellectual Property Rights related thereto, are the exclusive
Company and its licensors (including other Users who post User Content to the Service). Except as
explicitly provided herein, nothing in these Terms shall be deemed to create a license in or under
Intellectual Property Rights, and you agree not to sell, license, rent, modify, distribute, copy,
transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from
Company Content. Use of the Company Content for any purpose not expressly permitted by these Terms
is strictly prohibited.
You may choose to or we may invite you to submit comments or ideas about the Service, including without limitation about how to improve the Service or our products (“Ideas”). By submitting any Idea, you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place Company under any fiduciary or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, Company does not waive any rights to use similar or related ideas previously known to Company, or developed by its employees, or obtained from sources other than you.
We care about the privacy of our Users. You understand that by using the Service you consent to the
collection, use and disclosure of your personally identifiable information and aggregate data as set
We also may share some or all of the information about you with our partners, who may share it with their respective affiliates, agents, subcontractors, and employees), who may use this information to perform their obligations under their agreements with us, to operate and promote their respective services, to perform analytics and create reports, to prevent fraud, and for any other lawful purpose. A t any time, we, and our partners may conclude that you will not be permitted to use the Service. You agree that we are permitted to contact and share information about you and your Account with partners, banks and financial institutions. This includes sharing information (a) about your transactions for regulatory or compliance purposes, (b) for use in connection with the management and maintenance of the Service, (c) to create and update their customer records about you and to assist them in better serving you, and (d) to conduct our risk management process.
By using our Services, you grant Company, its payment processors, and any financial institution partnering with Company, including Bank, the right, power, and authority to act on your behalf to access and transmit this information from the relevant payment processors and financial institutions, including from Bank, for the applicable Banking Products. You further consent to us submitting an I-94 Form with the U.S. Customs and Border Protection on your behalf or to request any information from any governmental authority in order to validate information you provide to us. You represent and warrant that you have the authority to grant us authorization to file Form I-94 or to make any request to the U.S. Customs and Border Protection or any other governmental authority on your behalf.
Company cares about the integrity and security of your personal information. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use your personal information for improper purposes. You acknowledge that you provide your personal information at your own risk.
It is our policy to respond to alleged infringement notices that comply with the Digital Millennium Copyright Act of 1998 (“DMCA”). If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible via the Service, please notify Company’s copyright agent as set forth in the DMCA. For your complaint to be valid under the DMCA, you must provide the following information in writing:
The above information must be submitted to the following DMCA Agent:
Attn: DMCA Notice, Zolve Innovations, Inc.
UNDER FEDERAL LAW, IF YOU KNOWINGLY MISREPRESENT THAT ONLINE MATERIAL IS INFRINGING, YOU MAY BE SUBJECT TO CRIMINAL PROSECUTION FOR PERJURY AND CIVIL PENALTIES, INCLUDING MONETARY DAMAGES, COURT COSTS, AND ATTORNEYS’ FEES.
Please note that this procedure is exclusively for notifying Company and its affiliates that your copyrighted material has been infringed. The preceding requirements are intended to comply with Company’s rights and obligations under the DMCA, including 17 U.S.C. §512(c), but do not constitute legal advice. It may be advisable to contact an attorney regarding your rights and obligations under the DMCA and other applicable laws.
In accordance with the DMCA and other applicable law, Company has adopted a policy of terminating, in appropriate circumstances, Users who are deemed to be repeat infringers. Company may also at its sole discretion limit access to the Service and/or terminate the accounts of any Users who infringe any Intellectual Property Rights of others, whether or not there is any repeat infringement.
YYou agree to defend, indemnify and hold harmless Company and its subsidiaries, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Service, including any data or content transmitted or received by you; (ii) your violation of any term of these Terms, including without limitation your breach of any of the representations and warranties above; (iii) your violation of any third-party right, including without limitation any right of privacy or Intellectual Property Rights; (iv) your violation of any applicable law, rule or regulation; (v) User Content or any content that is submitted via your Account including without limitation misleading, false, or inaccurate information; (vi) your negligent or willful misconduct; or (vii) any other party’s access and use of the Service with your unique username, password or other appropriate security code.
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. USE OF THE SERVICE IS AT YOUR OWN
RISK. TO TH E
MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND,
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS
PARTICULAR PURPOSE, OR NON-INFRINGEMENT.NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED
YOU FROM COMPANY OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.
LIMITING THE FOREGOING, COMPANY, ITS SUBSIDIARIES, ITS AFFILIATES, AND ITS LICENSORS DO NOT WARRANT
CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE
BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS
CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT
OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED AT YOUR OWN RISK AND YOU
WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA
RESULTS FROM SUCH DOWNLOAD OR YOUR USE OF THE SERVICE.
COMPANY DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, AND COMPANY WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
FEDERAL LAW, SOME STATES, PROVINCES AND OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION AND LIMITATIONS OF CERTAIN IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS AGREEMENT GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE. THE DISCLAIMERS AND EXCLUSIONS UNDER THIS AGREEMENT WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COMPANY, ITS AFFILIATES,
DIRECTORS, EMPLOYEES, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL,
CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS,
USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE,
UNDER NO CIRCUMSTANCES WILL COMPANY BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM
TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT OR THE INFORMATION
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF OUR SERVICE; (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICE; (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE TH AT MAY BE TRANSMITTED TO OR THROUGH OUR SERVICE BY ANY THIRD PARTY; (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICE; AND/OR (VII) USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. IN NO EVENT SHALL COMPANY, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES , SUPPLIERS, OR LICENSORS BE LIABLE TO YOU FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AMOUNT YOU PAID TO COMPANY HEREUNDER OR $100.00, WHICHEVER IS GREATER.
THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT , TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THIS AGREEMENT GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE. THE DISCLAIMERS, EXCLUSIONS, AND LIMITATIONS OF LIABILITY UNDER THIS AGREEMENT WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.
Last updated date: 20 November 2020
Please read this Zolve User Agreement (the “Agreement”) carefully. This Agreement sets forth a legal
agreement between you (“you” or “your”) and Zolve, its subsidiaries and affiliates (collectively,
“Zolve”, “we”, “us” and/or “our”) regarding your use of the websites, mobile application (the
“Application”) and/or technology platform (collectively, the Services”) offered, operated or made
available by Zolve. This Agreement applies when you access, interact with, sign up for or use any of
the Zolve Services and is binding as of the first date you access, use, interact with or sign up for
any Services. Other aspects of the Services may be covered by other terms, conditions, and
agreements with Zolve or third parties such as financial institutions.
By accessing and/or using the Services, you acknowledge that you have read, understood, and agree to be bound by the following terms of conditions set forth in this Agreement. If you do not agree with these terms and conditions, you may not access or use the Services.
Zolve reserves the right to amend, modify, add to, or delete any of these Terms from time to time, and such modifications shall be effective immediately upon posting of the modified terms on the Site. Zolve also reserves the right to make changes to the content or layout of the Site at any time without notice.
Minors or people below 18 years old are not allowed to use this Website.
All content and materials, including but not limited to images, text, visual interfaces, information, data, and computer code, provided by us through our Services (our “Content”) and all related intellectual property rights are owned by Zolve & affiliates and all right, title and interest therein shall remain the property of Zolve and/or its affiliates. Our Content is protected by the U.S. and international intellectual property laws and treaties. You are permitted to use our Content only on our Services and you may not copy, modify, sell, reproduce, distribute, republish, display, post, create derivative or collective works from, or transmit in any form (including in-line linking or mirroring) our Content, in whole or in part, without our express prior written consent.
The products and services described on the Site, including their terms, conditions, fees are subject to change from time to time, without notice and such modifications shall be effective immediately upon posting of the modified terms on the Site. By offering information about products and services on the Site, no solicitation is made by Zolve (or other third party offering the product or service) to any person whose use of such information, products or services in jurisdictions where such information, products or services is prohibited by law. Zolve and/or its partner will decide on the final approval for eligibility of product & services listed on the website. If you are invited to register on the Site for any products or services, you agree to provide accurate, true, current, and complete information about you.
All Indians who are over 18 years old and have valid US Visa can use our services. You must pass our
regulatory due diligence checks, which may include providing us with regulatory requirements such as
documentation, photographs, and information as we request. You must agree to accept electronic,
rather than paper statements. This means: (i) you must keep us supplied with your valid email
address; and (ii) you must agree to accept electronic delivery of all account communications (such
as end-of-year tax forms and electronic statements).
We may use information from third parties to help us determine if we should open your Bank Account.
Important information about procedures for opening a new Bank Account. To help the government fight
the funding of terrorism and money laundering activities, US Patriot Act and federal law requires
all financial institutions to obtain, verify, and record information that identifies each person who
opens a Bank Account. What this means for you: When you open a Bank Account, we will ask for your
name, address, date of birth, and other information that will allow us to identify you. We may also
ask to see a copy of your driver's license or other identifying documents. The verification process
will be instantly done. In certain cases, it might take more time. Until the process is successfully
completed, this account will be subject to temporary security limits.
You may open an Account by using the Zolve Mobile Application (the “Mobile App”)
The Account is not designed for business use, and we may close the Account if we determine it is being used for business purposes. We reserve the right to refuse to process any transaction(s) that we believe may violate the terms of this Agreement.
By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later connect to a cellular device, you are expressly consenting to receiving communications including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us, our affiliates, and our agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.
Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.
You may use the Website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to use the Website:
The Site or the Services may contain the links or pointers to other websites but you should not
infer or assume that Zolve operates, controls, or is otherwise connected with these other websites.
When you click on a link within the Site, we may not warn you that you have left the Site and are
subject to the terms and conditions (including privacy policies) of another website. Please be
confidential information or engage in any transactions. You should not rely on these Terms to govern
your use of another website.
Zolve is not responsible for the content or practices of any other website even if it links to the Site and even if the website is operated by a company affiliated or otherwise connected with the Company. You acknowledge and agree that Zolve is not responsible or liable to you for any content or other materials hosted and served from any website other than the Site.
You agree that any comments, suggestions, feedback, documents, content or other material or information provided, shared, published by you in connection with the use of the Services or Partner Services, or otherwise in your contacts with us or our Partners (including but not limited to, the use of blogs, email, forums, and customer support functions) is provided on a non-proprietary, non-exclusive and non-confidential basis. You grant us a royalty-free, worldwide, transferable, sub-licensable, perpetual, and irrevocable license to use any such material or information (of course subject to our and/or our Partners privacy policies). You acknowledge that you are responsible for whatever material or information is provided by you, including its legality, reliability, appropriateness, originality, and copyright.
We reserve the right at all times to disclose any data or information (in any form) as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove or restrict any information or materials, in whole or in part, in our sole discretion.
Zolve endeavours to ensure that all the information on the Website is correct, but we neither warrant nor make any representations regarding the quality, accuracy or completeness of any data, information, product, or Service. In no event shall Zolve, nor any of its officers, directors, and employees, be liable to you for anything arising out of or in any way connected with your use of this Website, whether such liability is under contract, tort or otherwise, and Zolve, including its officers, directors, and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
You agree to indemnify, defend and hold harmless Zolve and/or its affiliates, their websites, applications from and against any and all liabilities, costs, damages, and expenses arising out of or in any way related to your breach of any of the provisions of these Terms.
Any information specifically mentioned by Zolve as confidential shall be maintained confidentially and shall not be disclosed unless as required under any law to the appropriate authorities or to serve the purposes of T&Cs and the obligation of the parties concerned.
This Agreement gives us certain rights and obligations. If we do not take advantage of all our rights all the time, that does not mean we lose any or all of those rights. Any waiver by Zolve must be approved by an authorized representative of Zolve or the partners. If a waiver is approved by us, we are not obligated to provide similar waivers in the future.
If any of these Terms or any part of the Additional Terms are held to be invalid, illegal or otherwise unenforceable by a court, such provision will be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law, and if no feasible interpretation will save such provision, it shall be severed from these Terms/the Additional Terms, as the case may be, and the remaining provisions remain in full force and effect.
Zolve is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review such Terms on a regular basis to ensure you understand all terms and conditions governing the use of this Website. You can check the date on top of the page which indicates when the Terms and conditions were last updated.
These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between Zolve and you in relation to your use of this Website and supersede all prior agreements and understandings with respect to the same.
These Terms will be governed by and construed in accordance with the laws of India, and you submit to the non-exclusive jurisdiction of the court in Bengaluru for the resolution of any disputes.
In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by CRIF High Mark (“CIC”) through Zolve Innovations Private Limited (referred to as the “Company”) along with their technology partner Conflux Technologies Private Limited(referred to as the “Finflux”) and delivery of the Consumer Credit Information to the Company & Finflux , I hereby acknowledge and agree to the following:
If you have any questions or complaints about this agreement, please contact us at: