Terms and Conditions

These Terms and Conditions (“Terms”) form a legally binding agreement between you and Zenith Transact (“Zenith Transact,” “Company,” “we,” “our,” or “us”).

These Terms apply when you visit https://zenithtransact.com/, create an account, submit an application, communicate with us, or use any product, platform, payment solution, technology, or service that links to these Terms.

Your use of our website or services constitutes your acceptance of these Terms and any policies, notices, service descriptions, fee schedules, or additional agreements incorporated by reference.

If you are using the services on behalf of a company, partnership, organization, or other legal entity, you confirm that you have authority to bind that entity to these Terms.

If you do not agree with these Terms, you must not access or use our website or services.

You may use our services only if you are legally capable of entering into a binding agreement and are not prohibited from using financial or payment services under applicable law.

You represent and warrant that:

• You are at least the minimum legal age in your jurisdiction.
• All information you provide is accurate, current, and complete.
• You have authority to act for any business or organization you represent.
• Your use of the services complies with all applicable laws and regulations.
• You are not subject to sanctions or restrictions that prohibit access to the services.

Zenith Transact may provide payment technology, transaction processing support, merchant services, software, reporting tools, integration services, customer support, and related financial technology solutions.

Specific services may be subject to separate proposals, applications, contracts, pricing schedules, technical requirements, onboarding checks, or partner terms. Where separate terms apply, those terms will control in the event of a conflict.

You may be required to create an account or provide business, identity, banking, tax, contact, or compliance information before accessing certain services.

You are responsible for:

• Keeping account information accurate and updated.
• Maintaining the confidentiality of usernames, passwords, and authentication credentials.
• Restricting unauthorized access to your account and devices.
• All activities conducted through your account unless prohibited by law.
• Promptly notifying us of suspected fraud, misuse, or unauthorized access.

We may require additional verification, reset credentials, restrict access, or suspend an account when we reasonably believe that security, legal, compliance, or fraud risks exist.

You must use our website and services only for lawful, authorized, and legitimate business purposes.

You must not:

• Use the services for fraud, money laundering, terrorist financing, sanctions evasion, or other illegal activity.
• Submit false, misleading, incomplete, stolen, or unauthorized information.
• Attempt to access accounts, systems, networks, or data without authorization.
• Introduce malware, viruses, harmful code, automated attacks, or disruptive technology.
• Reverse engineer, copy, scrape, reproduce, or commercially exploit the services except where expressly permitted.
• Use the services in a manner that harms Zenith Transact, its partners, customers, systems, or reputation.
• Interfere with security controls, transaction monitoring, identity verification, or compliance procedures.
• Use the services for prohibited or restricted products, services, or industries without written approval.

We may investigate suspected misuse and cooperate with regulators, financial institutions, law-enforcement authorities, or other authorized parties where required.

Fees, rates, settlement terms, reserves, processing charges, refund terms, chargeback costs, and other commercial conditions may be specified in a separate agreement, proposal, invoice, application, or pricing schedule.

You agree to pay all applicable fees and taxes in accordance with the agreed payment terms. Unless stated otherwise, fees are non-refundable once the relevant service has been provided or processing has occurred.

Settlement timing may be affected by banking hours, payment network rules, transaction reviews, reserves, disputes, chargebacks, fraud investigations, compliance checks, public holidays, technical interruptions, or third-party delays.

Our services may depend on banks, payment processors, card networks, identity-verification providers, hosting companies, telecommunications providers, software platforms, and other third parties.

Third-party services may be governed by their own terms, privacy policies, operating rules, technical limitations, availability requirements, and compliance procedures.

We are not responsible for third-party acts, omissions, outages, delays, policies, products, websites, or services except to the extent responsibility cannot be excluded under applicable law.

The website, software, interfaces, branding, trademarks, logos, designs, graphics, documentation, databases, text, content, features, and underlying technology are owned by Zenith Transact or its licensors and are protected by applicable intellectual-property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to use the services for their intended business purpose.

No ownership rights are transferred to you. You may not copy, modify, distribute, sublicense, sell, lease, publicly display, create derivative works from, or commercially exploit our intellectual property without prior written permission.

During your relationship with Zenith Transact, you may receive non-public technical, financial, commercial, security, pricing, customer, partner, or operational information.

You agree to protect confidential information using reasonable care, use it only for authorized purposes, and not disclose it to third parties except where permitted in writing or required by law.

Confidentiality obligations do not apply to information that is lawfully public, independently developed, rightfully received without restriction, or required to be disclosed by a competent authority.

Our collection, use, storage, disclosure, and protection of personal information is described in our Privacy Policy.

By using our website or services, you acknowledge that personal information may be processed for onboarding, identity verification, fraud prevention, compliance, transaction processing, customer support, analytics, security, and other legitimate business purposes.

Privacy-related questions or requests may be sent to info@zenithtransact.com.

We aim to provide reliable services, but we do not guarantee that the website or services will always be available, uninterrupted, secure, error-free, or compatible with every system or device.

We may update, modify, replace, suspend, restrict, or discontinue any feature, integration, service, or part of the website where reasonably necessary for business, security, compliance, technical, partner, or legal reasons.

Planned or emergency maintenance, internet disruption, banking failures, third-party outages, cyber incidents, force majeure events, or regulatory action may affect availability.

We may suspend, restrict, or terminate access to the website or services where:

• You breach these Terms or another applicable agreement.
• We reasonably suspect fraud, misuse, unlawful activity, or a security threat.
• Required information is not provided or cannot be verified.
• A bank, processor, card network, regulator, or other authorized partner requires action.
• Fees remain unpaid or financial obligations are not fulfilled.
• Continuation of the service creates legal, regulatory, operational, or reputational risk.

Termination does not remove obligations that arose before termination, including payment, confidentiality, intellectual-property, indemnification, dispute, and liability obligations.

To the maximum extent permitted by law, the website and services are provided on an “as is” and “as available” basis.

Zenith Transact disclaims all express or implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, security, uninterrupted availability, and suitability for your specific business needs.

Information provided through the website does not constitute legal, tax, accounting, investment, or financial advice. You should obtain independent professional advice where appropriate.

To the maximum extent permitted by applicable law, Zenith Transact and its affiliates, directors, employees, agents, licensors, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages.

This includes loss of profits, revenue, business, opportunity, goodwill, data, anticipated savings, or service availability arising from or related to your use of, or inability to use, the website or services.

Where liability cannot legally be excluded, our total aggregate liability will be limited to the amount paid by you to Zenith Transact for the directly affected service during the period specified in the applicable service agreement, or another minimum amount required by law.

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Zenith Transact, its affiliates, directors, employees, agents, licensors, service providers, and partners from claims, losses, liabilities, damages, penalties, costs, and expenses arising from:

• Your breach of these Terms or another applicable agreement.
• Your unlawful, fraudulent, negligent, or unauthorized use of the services.
• Your violation of any law, regulation, third-party right, or payment-network rule.
• Information, products, services, transactions, or content supplied by you.
• Disputes between you and your customers, users, employees, contractors, or business partners.

These Terms are governed by the laws of [Country / Jurisdiction], without regard to conflict-of-law principles.

The courts or dispute-resolution forum located in [Country / Jurisdiction] will have jurisdiction over disputes arising from these Terms, unless a separate written agreement requires another process.

Before starting formal proceedings, each party should make a reasonable attempt to resolve the dispute through good-faith communication.

We may update these Terms periodically to reflect changes in our services, technology, commercial arrangements, legal obligations, industry standards, or business practices.

Updated Terms will be posted on this page with a revised effective date. Where required, we may provide additional notice by email, account notification, website notice, or another appropriate method.

Continued use of the website or services after updated Terms take effect constitutes acceptance of the revised Terms.