Terms of Use

Zerone.io services are provided by FINPULSE CY LIMITED, a company registered in Cyprus, Tax Identification Number (TIN) 60167317W.

Welcome to Zerone. These Terms of Use ("Terms") govern your access to and use of the website https://zerone.io (the "Website") and the full suite of services, features, software, content, and technologies offered by or through Zerone (collectively, the "Services"). These Terms apply to all users of the Services, whether natural persons or legal entities acting for commercial or professional purposes ("you," "your," or the "User").

Please read these Terms carefully. By accessing, using, or interacting with the Website or Services in any capacity, you acknowledge and affirm that you have read, understood, and agreed to be bound by these Terms, which form a legally binding public declaration by Zerone ("Zerone," "we," "our," or "us"). If you do not agree to these Terms, you must immediately discontinue all use of the Website and Services.

These Terms are published solely by Zerone and are not the result of mutual negotiation or agreement. They are subject to unilateral modification or update at any time. We reserve the exclusive right to revise these Terms at our discretion, and such changes shall become effective upon publication on the Website. You are responsible for reviewing the most current version of the Terms regularly. Continued use of the Services following any update constitutes your acceptance of the revised Terms.

I. Legal Framework and Governing Law

These Terms, and your access to and use of the Website and Services, are subject to and governed by the applicable laws and regulatory standards of the European Union, including but not limited to:

• Relevant laws of EU Member States applicable in your jurisdiction
• Directive 2005/29/EC on unfair commercial practices
• Directive (EU) 2018/843 on the prevention of money laundering (AMLD)
• Directive (EU) 2015/2366 on payment services (PSD2)
• Regulation (EU) 2016/679 on the protection of personal data (GDPR)

II. Eligibility and Permitted Use

• 1. We may suspend or permanently restrict your access to the Services at our discretion, particularly in cases of actual or suspected violation of these Terms or applicable laws.
• 2. You may not use the Services in any jurisdiction where such use is illegal or unauthorized. Access from Restricted Jurisdictions, as defined by applicable law or internal compliance criteria, is prohibited.
• 3. You agree to use the Services only for lawful, legitimate, and authorized purposes and in full compliance with all applicable laws and third-party rights.
• 4. If you are accessing the Services on behalf of a company or legal entity, you confirm that you have authority to bind such entity to these Terms.
• 5. The Services are available exclusively to individuals who are at least 18 years old and to duly registered business entities with full legal capacity to enter into binding obligations.

III. Account Registration and Responsibility

• 1. If you are a business, you must ensure that all access to your account is managed appropriately and that all personnel comply with these Terms.
• 2. You are responsible for maintaining the confidentiality of your login details and for all activities occurring through your account.
• 3. Certain features of the Services require registration of a user account. You must provide true, complete, and accurate information and update it as necessary.

IV. Personal Data and Processing

• 1. By using the Services, you consent to our collection, processing, and storage of your data in line with our Privacy Policy.
• 2. We process personal and business data in accordance with GDPR and related data protection laws. Please refer to our Privacy Policy for full information.

V. Payments, Fees, and Refunds

Zerone does not guarantee that any refund requests will be granted. Refunds are not provided automatically and shall be issued only:

• As part of a documented resolution process following a valid and substantiated user complaint;
• Where technical errors or duplicate transactions have occurred;
• When required under applicable consumer protection laws.

VI. Anti-Money Laundering and Compliance

• 1. Please consult our AML and Security Policy for further information.
• 2. Your use of our Services implies full cooperation with our AML/CTF procedures, including the duty to provide requested documentation promptly and truthfully.
• 3. We reserve the right to request additional documentation and suspend or terminate services pending review or investigation.
• 4. All users, including corporate clients and individual representatives, are subject to identity verification (KYC), beneficial ownership screening, and sanctions checks prior to and during their use of our Services.
• 5. We operate an Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance program that incorporates international best practices, risk-based due diligence, ongoing monitoring, and regulatory reporting.
• 6. Refunds may be refused where the request is fraudulent, abusive, involves third-party or chargeback manipulation, or otherwise conflicts with applicable regulations or our internal compliance requirements.

VII. Availability and Modifications

• 1. We reserve the right to modify, enhance, suspend, or discontinue any aspect of the Website or Services at any time for operational, legal, or business reasons, without prior notice and without liability.
• 2. We strive to ensure the availability, continuity, and integrity of our Website and Services, but we cannot and do not guarantee uninterrupted or error-free functionality.

VIII. Dispute Resolution and Jurisdiction

• 1. These Terms shall be governed by and interpreted in accordance with the laws of the European Union, excluding any conflict of laws principles that would result in the application of the laws of another jurisdiction.
• 2. Any disputes not resolved amicably shall be submitted to the exclusive jurisdiction of the courts of a competent EU Member State, chosen at our discretion based on the applicable contract and location of the parties.
• 3. If you have concerns or disputes regarding these Terms or our Services, you should first contact us via Telegram and allow a reasonable time for internal resolution.

IX. Limitations of Liability and Indemnification

You agree to defend, indemnify, and hold harmless Zerone, its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, costs, or expenses (including legal fees) arising out of or related to:

• Your breach of these Terms;
• Your violation of any applicable laws or third-party rights;
• Your use of the Services;

X. Intellectual Property Rights

• 1. You are granted a limited, non-exclusive, revocable license to access and use the Website and Services solely for legitimate business or personal purposes and in accordance with these Terms. Any reproduction, distribution, modification, or creation of derivative works is strictly prohibited without our express prior written consent.
• 2. All intellectual property rights in and to the Website and Services, including but not limited to text, software, logos, graphics, audio, video, and design, are owned or licensed by Zerone and are protected by applicable copyright, trademark, and other intellectual property laws.

XI. Communications and Notices

• 1. Any notice from you to us must be sent in writing to our designated contact: Telegram @zerone_io
• 2. You agree to receive communications from us electronically. Notices may be provided via email, publication on the Website, or other digital means.

XII. General Provisions

• 1. These Terms are provided in the English language. In the event of any translation discrepancies, the English version shall prevail.
• 2. We may assign or transfer our rights and obligations under these Terms without your prior consent. You may not assign your rights or delegate your obligations without our written approval.
• 3. These Terms constitute the entire agreement between you and Zerone regarding your access to and use of the Services and supersede all prior or contemporaneous communications.
• 4. If any provision of these Terms is held invalid or unenforceable under applicable law, the remaining provisions shall remain valid and enforceable.