Welcome to Zuato Financial Services. These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Zuato Financial Services ("Zuato," "Company," "we," "us," or "our"), governing your access to and use of our payment processing services, platforms, applications, and related services (collectively, the "Services").
By accessing or using our Services, creating an account, or clicking to accept or agree to these Terms when this option is made available to you, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
Important: If you do not agree to these Terms, you must not access or use our Services. These Terms affect your legal rights and obligations, so please read them carefully.
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on our website and updating the "Last Updated" date. Your continued use of the Services after such modifications constitutes your acceptance of the revised Terms.
For the purposes of these Terms, the following definitions apply:
To use our Services, you must:
When creating an account, you agree to provide accurate, current, and complete information as required during the registration process. This includes but is not limited to:
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
Note: We reserve the right to suspend or terminate accounts that violate these Terms or pose a security risk to our platform.
Zuato Financial Services provides comprehensive payment processing solutions, including but not limited to:
Our payment gateway enables secure online payment acceptance, supporting multiple payment methods including credit cards, debit cards, and digital wallets. We provide real-time transaction processing, fraud detection, and secure payment tokenization.
We offer physical point-of-sale terminals for in-person payment acceptance, including contactless payments, chip and PIN transactions, and mobile payment solutions.
We facilitate the transfer of funds from processed transactions to your designated bank account according to the settlement schedule agreed upon in your merchant agreement.
Access to our online dashboard for transaction management, reporting, analytics, and account administration.
Developer tools, APIs, and SDKs for integrating our payment services into your applications and platforms.
Other services as described on our website or in separate service agreements, including recurring billing, invoicing, and digital wallet solutions.
As a user of our Services, you agree to:
You agree to pay all fees associated with your use of the Services as outlined in your merchant agreement. Fees may include:
We will settle funds to your designated bank account according to the schedule specified in your merchant agreement. Settlement times may vary based on:
We may establish a reserve account or withhold a portion of your funds as security against chargebacks, refunds, or other liabilities. The reserve amount and terms will be specified in your merchant agreement.
You are responsible for all chargebacks, disputes, and associated fees. You agree to:
Warning: Excessive chargeback rates may result in increased fees, reserve requirements, or termination of your account.
You may not use our Services for any illegal, fraudulent, or prohibited purposes. Prohibited activities include but are not limited to:
All intellectual property rights in the Services, including but not limited to software, APIs, documentation, trademarks, logos, and content, are owned by Zuato Financial Services or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Services solely for their intended purpose.
You may not:
If you provide us with feedback, suggestions, or ideas regarding our Services, you grant us a perpetual, irrevocable, royalty-free license to use, modify, and incorporate such feedback into our Services without any obligation to you.
Both parties agree to maintain the confidentiality of any proprietary or confidential information exchanged in connection with the Services.
Confidential information includes, but is not limited to:
Confidentiality obligations do not apply to information that:
We process personal data in accordance with our Privacy Policy and applicable data protection laws. By using our Services, you acknowledge and consent to such processing.
As a merchant, you are responsible for:
We implement industry-standard security measures to protect data processed through our Services, including encryption, tokenization, and access controls. However, no system is completely secure, and we cannot guarantee absolute security.
We strive to maintain high availability of our Services. Our target uptime is 99.9%, measured on a monthly basis. However, we do not guarantee uninterrupted access to our Services.
We may perform scheduled maintenance that temporarily affects service availability. We will provide advance notice of scheduled maintenance when possible.
We are not liable for service interruptions caused by:
Our Services may integrate with or rely on third-party services, including payment networks, banking partners, and technology providers. We are not responsible for the actions, performance, or availability of third-party services.
Your use of third-party services may be subject to additional terms and conditions. We encourage you to review the terms of any third-party services you use in connection with our Services.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT:
You acknowledge that your use of the Services is at your sole risk and that we are not responsible for any losses arising from your use of the Services.
To the maximum extent permitted by applicable law:
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Zuato Financial Services, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:
You may terminate your account at any time by providing written notice to us. Upon termination, you must:
We may suspend or terminate your account immediately and without notice if:
Upon termination:
Before initiating any formal dispute resolution process, you agree to first contact us to attempt to resolve any dispute informally. Most disputes can be resolved through our customer support channels.
If informal resolution is unsuccessful, either party may request mediation. The mediation will be conducted by a mutually agreed-upon mediator, with costs shared equally between the parties.
Any dispute not resolved through informal resolution or mediation shall be resolved by binding arbitration in accordance with the rules of the relevant arbitration authority in the United Arab Emirates. The arbitration shall be conducted in English, and the decision of the arbitrator shall be final and binding.
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates, without regard to its conflict of law provisions.
For any disputes not subject to arbitration, you consent to the exclusive jurisdiction and venue of the courts located in the United Arab Emirates.
These Terms, together with your merchant agreement and any other documents incorporated by reference, constitute the entire agreement between you and Zuato regarding the Services and supersede all prior agreements and understandings.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign these Terms without your consent to an affiliate or in connection with a merger, acquisition, or sale of assets.
Neither party shall be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.
All notices required or permitted under these Terms shall be in writing and delivered to the addresses specified in your account or merchant agreement. Notices to Zuato should be sent to the address provided in the Contact Information section below.
Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Zuato. Each party is an independent contractor.
If you have any questions, concerns, or requests regarding these Terms of Use or our Services, please contact us:
Our team is available to assist you with any inquiries related to these Terms of Use.