Terms of Use

Welcome to ZAVO! If you continue to browse and use the ZAVO Application or the ZAVO Website, you are agreeing to comply with and be bound by the following terms and conditions. These terms and conditions are a legal contract ("Terms of Use") between you and Legalpay Technology Private Limited ("ZAVO") having its registered office at B1/ 639 A, Janakpuri, West Delhi, Janakpuri B-1, West Delhi, New Delhi, Delhi-110058. You agree and acknowledge that you have read the terms and conditions set forth below.

1. Eligibility

By registering with ZAVO and accessing the ZAVO Services, you are representing the following:

a. You are at least 18 years of age.
b. You are capable of entering into a legally binding agreement;
c. You are not barred or otherwise legally prohibited from accessing or using the ZAVO App or the Website and ZAVO Services;
d. You agree to seek your credit score from Credit Information Companies using the ZAVO and disclose the said credit score to ZAVO. ZAVO may use the said credit score to determine your eligibility for access to various ZAVO Services. ZAVO may at its sole discretion prevent Users from accessing the ZAVO Application or the Website in part or in whole if the credit score of a User is lower than a minimum entry threshold set by ZAVO from time to time;
e. If you allow anyone to use your account, including individuals under 18 years of age, you will still be responsible for ensuring that such individuals comply with these Terms of Use. You will be responsible for all actions these individuals take in and/or through your account. You also acknowledge that ZAVO does not have the responsibility of ensuring that you meet the aforesaid eligibility requirements.

2. Definitions

a. “ZAVO” , “Legalpay” , “We” , “Us” , “Our” means ZAVO and ZAVO Group Entities.
b. “You” , “Yours” , “Yourself” , “User” means any prospective user, or registered user of ZAVO and ZAVO Group Entities, including but not limited to customers and Commercial Partners.
c. “ZAVO Application” means mobile application(s), hosted by ZAVO and ZAVO Group Entities for providing services to the Users, and Commercial Partners.
d. “ZAVO Group Entities” means subsidiaries and affiliates of ZAVO.
e. “ZAVO Platform” means any platform owned/subscribed/used by ZAVO or ZAVO Group Entities including but not limited to the ZAVO Website, the ZAVO Application, other mobile applications, devices, URLs/links, notifications, chatbots, ZAVO's social media channels or any other communication medium or mechanism used by ZAVO or ZAVO Group Entities to provide services to the Users.
f. “ZAVO Website” means thezavo.com or any other website hosted or registered by ZAVO or ZAVO Group Entities.
g. “ZAVO Services” means and include all services offered / to be offered by ZAVO, and ZAVO Group Entities either directly or through its Commercial Partners including but not limited to ZavaSettle, Zavoscore and ZavoSettle; and in relation to Merchants, also includes Payment Aggregator Services.
h. “Commercial Partner” means any individual or entity with whom ZAVO or ZAVO Group Entities have a contractual relationship and includes but is not limited to entities offering rewards on ZAVO Application or the website, Sellers, Lenders, ZAVO Pay Merchants etc.
i. “Terms of use” / “Terms and Conditions” are interchangeably used and mean these Terms of Service.

3. Your Use of ZAVO

You agree that:

a. Unless otherwise permitted by ZAVO in writing, You may only possess one account.
b. Your use of the Application or the website shall not violate any applicable law or regulation.
c. Your use of the ZAVO Application, and ZAVO website shall be only for personal purposes.
d. All registration information you submit is truthful, complete and accurate and you agree to maintain accurate, complete and up-to-date account information in your account.
e. You are responsible for all activity that occurs under your account.
f. You are responsible for maintaining the confidentiality of the access credentials of your account and are fully responsible for all activities that occur under your account. You agree to immediately notify ZAVO of any unauthorized use of your passcode or account or any other breach of security.
g. You agree that You are aware and responsible for all transactions taking place through your Account. You shall continue to be responsible for the transactions in your account, if you knowingly or negligently (i) grant any other person access to yourZAVO Application, (ii) permit them to transact on Your account, or (iii) transact on any other person's behalf or directions; whether by sharing one-time passwords or in any other manner.
h. You shall not indulge in decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with the ZAVO Application or the website, including our copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices.
i. You shall not access or use the ZAVO Application or the website in any manner that (i) may be harmful to the operation of the ZAVO Application, or the website, or its content; (ii) may be unlawful; (iii) maybe harmful to ZAVO or to any other User; (iv) may hinder the other User's enjoyment of the ZAVO Application or the website; or (v) to defraud other Users, ZAVO or any Commercial Partner.
j. You shall not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus, other harmful component or malicious content, or otherwise impair or damage the ZAVO Application, the website or any connected network, or otherwise interfere with any person or entity's use or enjoyment of the ZAVO Application or the website.
k. You shall not delete or modify any content of the ZAVO Application or the Website.
l. Your use of the ZAVO Application or the Website shall indicate that you have provided consent to automatically receive updates such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, "Updates"), for the purpose of effective delivery of the ZAVO Services. Please note that your continued use of the ZAVO Application or the website following such Updates would mean deemed acceptance by you of the same.
m. You understand and accept that not all products, services and rewards offered on the ZAVO Application or the website are available in all geographic areas and you may not be eligible for all the products, services and rewards offered by ZAVO on the ZAVO Application or the Website. ZAVO reserves the right to determine the availability and eligibility for any product, services and rewards offered on the ZAVO Application or any ZAVO Platform.
n. You shall request ZAVO, to block the Account and change the passcode immediately for the account, if your device has been lost or stolen.
o. You agree that if you purchase any insurance policies via theZAVO Application or the website, the nominee for such policy shall be Your legal heirs (if stated therein, and if not stated, the same shall be read to mean that no nominees are listed), and You will contact the respective insurer who has issued you the policy to make any updates to the nominees. ZAVO and the ZAVO Group Entities shall not be responsible for any change required to be made in the list of nominees to Your insurance policies.
p. You understand that if You avail insurance on the ZAVO Application or the website, our insurance partners may seek medical information from any doctor / hospital who / which at any time has attended to You, or from any past or present employer concerning anything which affects Your physical / mental health, and seeking information from any other insurer to whom an application for insurance on You has been made for the purpose of underwriting the insurance proposal and / or claim settlement. You also authorise such insurance partners to share information pertaining to You, including Your medical records, for the sole purpose of underwriting the insurance proposal and / or claim settlement and with any governmental and / or regulatory authority. The insurance partner may also contact You regarding any insurance you have availed / applied for, and for any servicing / claims settlement or other similar activities.

4. Supplemental Terms and delivery of services through ZAVO Group Entities

You agree and acknowledge that several features, including but not limited to ZavaSettle , Zavoscore and ZavoSettle , are also subject to their respective terms and conditions. Your usage of any features that have a set of supplemental terms of use is deemed to be acceptance of the said supplemental terms of use. You further agree that any ZAVO Services may be provided to You either directly by ZAVO or by any ZAVO Group Entity and in particular, any payment to you or made by you may be routed through LegalPay Technology Private Limited (“Payment Aggregator”).

5. Violation of Terms of Use / Suspicious Activity

If We believe that you have violated any of the conditions as mentioned under these Terms of Use, our Privacy Policy, supplemental terms applicable to certain services or any agreements consented to via the ZAVO Application or the website, we reserve the right to suspend your access to ZAVO and/or delete your account without prior notice to You, and reverse any transaction undertaken by You. If We have reason to believe that there is suspicious or unusual activity being carried out through your account, we may temporarily or permanently suspend your access to the ZAVO Services, and reverse any transaction undertaken by You. If we suspect that any feature, offer or reward promotion is being availed by You in a manner (i) that is disingenuous (for example: placing orders without intending to take delivery or intending to subsequently cancel all or substantially all of them); (ii) that it is not intended to be availed; (iii) that purports to artificially increase (or decrease) your transaction volume or usage of the Application or the website (for example: paying rent or credit card bills by breaking them down into numerous smaller transactions); (iv) that is designed to deliberately side step fair use restrictions; (v) that may result in you gaining an undue, unfair or unethical advantage over other Users or Commercial Partners; (vi) that is intended to cause losses or other harm to Commercial Partners, ZAVO reserves the right to reverse the relevant transaction, suspend the account or restrict you from using the Application or the website in its entirety or any specific feature(s) thereof. ZAVO may ask for additional information / documents if required from time to time including but not limited to Your permanent account number (PAN), in connection with the above. In case you fail to provide such information / documents to ZAVO's satisfaction, ZAVO may reverse any transactions undertaken by You, and may suspend Your account or restrict You from using the, the website or any of its features.
You may reach out to the ZAVO support team to assist you with any query or question arising as a result of the aforementioned suspension/ deletion.

6. Termination / Deletion of Your Account

You may end your legal agreement with ZAVO at any time by deactivating your account and discontinuing the use of the ZAVO Services. We provide all our Users an option through which a User may request archive of a specific card stored on his/her account or deletion/deactivation of the complete account through the support section on the ZAVO Application or the website.
Following a request for deletion, or termination of account by ZAVO , We consider the agreement to be terminated and take appropriate steps. Provided however, ZAVO may continue to maintain transaction records for record keeping purposes and/or regulatory reasons. Deletion of the account or Termination also does not terminate Your obligations undertaken prior to deletion or termination of the account including but not limited to the obligation to repay any loan or credit line availed by You. ZAVO may continue to retain a record of your transactions made on the ZAVO Application or the website for regulatory and archival purposes.

7. Fees

You are responsible for any fees that may be applicable to certain transactions or use of the ZAVO Application or the website; where you will be notified of such applicable fees, prior to the completion of any transaction. By clicking "Proceed" / "Submit" / "Continue" or any other similar button on the ZAVO Application or the website, You shall be deemed to have consented to the fees displayed on the said page.

8. Privacy

We collect, hold, use and transfer your personal data in accordance with our Privacy Policy. By agreeing to the Terms of Use, you also hereby agree to our Privacy Policy, which may be updated and/or modified by us from time to time. You understand and agree that, to the extent permitted by applicable law, any data provided by you in connection with the ZAVO Services may be shared with our subsidiaries, afﬁliates or partners, and/ or used by us for enhancing the ZAVO Services, including but not limited to creating new products. Please refer to the Privacy Policy for further clarity on the subject.

9. Disclaimer

The ZAVO Services, including all content, software, functions, material, and information made available or accessible through the Application or the Website are provided “as is”. ZAVO, ZAVO Group Entities and their respective agents, co-branders or partners, make no representation and warranty of any kind for the content, software, functions, material, and information available/accessible through the Services.
ZAVO does not warrant that the functions contained in content, information and materials on the ZAVO Application or the website, including, without limitation any third-party sites or services linked to the ZAVO Application or the website will be uninterrupted, timely or error-free, that the defects will be rectified, or that the ZAVO Application, the website or the servers that make such content, information, and materials available are free of viruses or other harmful components.
Further, You understand that a payment transaction is solely between the User who uses the ZAVO Services to make his payment (“Sender”) and the User who receives such payment from the Sender (“Recipient”) and that ZAVO does not provide any guarantees or warranties to any User with respect any service, goods, or delivery level commitment provided by the Recipient. ZAVO cannot assure that Commercial Partners or other Users are or will be complying with the foregoing Terms of Use or any other provisions mentioned here. You assume all risk of harm or injury resulting from any such lack of compliance by any other User or Commercial Partner. You should ensure that you have undertaken adequate due diligence prior to transferring payments using the ZAVO Application or the Website.

10. Limitation of Liability

In no event shall ZAVO , ZAVO Group Entities, their officers, shareholders, subsidiaries, associate companies, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, or contractors be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable and regardless of whether ZAVO has been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with your use of, or access to, the ZAVO Platforms, ZAVO Application or ZAVO Services.
In no event shall ZAVO and ZAVO Group Entities' total cumulative liability to You in connection with the ZAVO Services for all damages, losses and causes of action (whether arising under contract or otherwise), arising from or relating to Your use of the ZAVO Application and website or arising from these Terms of Use exceed INR 10,000 (Indian Rupees ten thousand only).

You agree to defend, indemnify and hold harmless ZAVO, ZAVO Group Entities, its officers, owners, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, contractors and other applicable third parties (collectively "Indemnified Parties") from and against any and all claims, demands, damages, obligations, losses, liabilities, cause of action, costs or debt, and expenses (including any legal fees) arising from:

a. your use of and access to the ZAVO Application and the ZAVOPlatforms;
b. your violation / breach of any of these Terms of Use;
c. your violation of any third party right, including any intellectual property right or privacy right;
d. the committing of any of the prohibited activities as stated herein;
e. your failure to be in compliance with applicable law, including tax laws and cyber security laws; or
f. any claim that your use of the ZAVO Application or the website caused damage to a third party.

12. Disputes & Arbitration

In consideration for ZAVO granting you access to and use of the ZAVO Application, or the website, you agree that in case of any dispute between You and any Commercial Partner or other User or recipient of the funds transferred by You, ZAVO shall not be a party to the same. While ZAVO is not obligated to mediate or resolve disputes, ZAVO will assist Users in communicating with each other regarding a dispute. ZAVO may at its own discretion however, without having any obligation to do so, assist in resolving the disputes between the Users and the Commercial Partners.
Except as otherwise set forth in these Terms of Use, these Terms of Use shall be exclusively governed by and construed in accordance with the laws of India. Any dispute, conflict, claim or controversy arising out of or broadly in connection with or relating to the ZAVO, including those relating to its validity, its construction or its enforceability, but excluding those provisions where it has been specified that ZAVO's decision shall be final, (any “Dispute”) shall be, if initiated by the User, first raised by the User to ZAVO customer support through the ZAVO Application, or the website and if not suitably resolved, the user may raise a grievance to our Grievance Redressal Officer (GRO) at aayush.raj@thezavo.com. If such Dispute has not been settled within sixty (60) days after the User reaches out to the aforementioned email IDs, such Dispute can be referred to and shall be exclusively and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996 (“Act”). Provided however when ZAVO raises any dispute, ZAVO may directly initiate arbitration in accordance with this clause. The Dispute shall be resolved by one (1) arbitrator to be appointed by ZAVO. The place the arbitration shall be New Delhi, India. The language of the arbitration shall be English. The existence and content of the arbitration proceedings, including documents and briefs submitted by the parties, and correspondence, orders and awards issued by the sole arbitrator, shall remain strictly confidential and shall not be disclosed to any third party without the express written consent from the other party unless: (i) the disclosure to the third party is reasonably required in the context of conducting arbitration proceedings; and (ii) the third party agrees unconditionally in writing to be bound by the confidentiality obligation stipulated herein.

13. Use and Protection of Intellectual Property Rights

The ZAVO Application or the ZAVO website are protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. No information, content or material from the ZAVO Application or the website including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, tradenames may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Our express written permission. You are hereby given a limited licence to use the ZAVO Application and the website, subject to your agreement of these Terms of Use.
ZAVO , ZAVO Group Entities, and its licensors, if any, are the sole owners of the underlying software and source code associated with the ZAVO Application and the website as well as any other intellectual property rights of any other nature associated with the ZAVO Application, their website and their content. When you upload, submit, store, send or receive content that may include feedback to or through the ZAVO Application or the website, you give ZAVO and ZAVO Group Entities a worldwide, perpetual licence to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. This licence shall not expire even if it is not used by ZAVO or ZAVO Group Entities. The rights you grant in this licence are for the limited purpose of operating, promoting, and improving the ZAVO Services, and to develop new ones. This licence continues even if you stop using the ZAVO Services.

14. Tax Liability

You hereby agree to comply with any and all applicable tax laws in connection with your use of the ZAVO Services, including without limitation, the reporting and payment of any taxes arising in connection with payments made through the ZAVO Application or the website, or funds/income received through the ZAVO Services. You hereby agree and acknowledge that if and when required by applicable law, ZAVO , may deduct tax deducted at source from your winnings/ cashback (credited as ZAVO Balance or otherwise) and/or may require You to submit PAN details before providing you cashback or other winnings.

15. Governing Law and Jurisdiction

All your transactions with ZAVO , and our relationship shall be governed by the laws of India, without regard to conflict of law principles. You agree that subject to the Disputes & Arbitration Clause above, all claims, differences and disputes which we may have shall be subject to the exclusive jurisdiction of the competent courts located in New Delhi, India.

16. Assignment

You shall not transfer or assign any of Your rights and obligations arising from these Terms of Use. You agree and acknowledge that ZAVO may assign or transfer its rights and obligations under these Terms of Use in whole or in part, to (i) any other ZAVO Group Entity; (ii) an acquirer of ZAVO or any ZAVO Group Entity or their respective equity interest, business or assets; or (iii) a successor entity resulting from any corporate action including mergers or demergers.

17. General

No joint venture, partnership, employment or agency relationship exists between you, ZAVO , ZAVO Group Entities or any Third Party as a result of the contract contained in these Terms of Use. If any provision of these Terms of Use is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms of Use but the legality, validity and enforceability of the other provisions in these Terms of Use shall not be affected. In that event, ZAVO shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms of Use. These Terms of Use (together with any additional terms displayed in specific sections of the ZAVO Application or the ZAVO Website) constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter.

18. Updation

We may amend these Terms of Use at any time by posting an updated version on the ZAVO Application or the ZAVO Website. The updated version of these Terms of Use shall supersede the previous version of the Terms of Use and take effect immediately upon posting. You have the right to opt-out of agreeing to these Terms of Use or any future updated version of the Terms of Use, by ceasing to use the ZAVO Application or the website. However, please be aware that your continued use of the ZAVO Services from the launch of any updated Terms of Use would mean deemed acceptance of such updated Terms of Use including any modification thereof. We recommend you to keep checking the Terms of Use often to be familiar with any updates and changes.

19. Contact us

If you have any concerns, complaints or grievances about the terms or other users or their manner of use of the application or the website infringe or violate your rights or any complaints about how we handle your personal information, please feel free to contact customer support within the ZAVO Application, the website or through ZAVO's official social media channels. If your support request is not addressed to your satisfaction, you may also contact the Grievance Redressal Officer any time: