Terms and Conditions

Age Requirement

You must be at least 13 years old (or the minimum age required in your jurisdiction) to use Zentia. If you are under 18, you represent that you have your parent's or guardian's permission to use the Service.

Account Creation

To use Zentia, you must:

1. Create an account by providing a valid email address and creating a secure password
2. Provide accurate, current, and complete information during registration
3. Maintain and promptly update your account information to keep it accurate
4. Maintain the security of your account credentials

Account Responsibility

You are solely responsible for:

• All activities that occur under your account
• Maintaining the confidentiality of your password
• Any loss or damage arising from unauthorized use of your account
• Notifying us immediately of any unauthorized access or security breach

We are not liable for any loss or damage arising from your failure to comply with these security obligations.

Acceptable Use

You agree to use Zentia only for lawful purposes and in accordance with these Terms. You agree NOT to:

1. Violate Laws: Use the Service in any way that violates applicable local, state, national, or international laws or regulations
2. Infringe Rights: Infringe upon or violate our intellectual property rights or the rights of others
3. Harmful Activities: Transmit viruses, malware, or malicious code; attempt to gain unauthorized access; interfere with or disrupt the Service; use automated systems without permission
4. False Information: Provide false, inaccurate, or misleading information
5. Reverse Engineering: Attempt to reverse engineer, decompile, or disassemble any part of the Service
6. Commercial Use: Use the Service for any commercial purpose without our express written consent
7. Data Mining: Extract, scrape, or collect data from the Service for purposes other than your personal use

Data Accuracy

You are responsible for:

• Entering accurate financial information
• Verifying the correctness of your transactions, budgets, and accounts
• Keeping your financial data up to date

Zentia is not responsible for errors in financial data that you enter, or for decisions you make based on that data.

Informational Purpose Only

All features, insights, reports, analytics, and AI-generated content provided by Zentia are for informational and educational purposes only. They do not constitute:

• Financial advice
• Investment recommendations
• Tax advice
• Legal advice
• Professional financial planning

Your Financial Decisions

You are solely responsible for:

• All financial decisions you make
• Verifying the accuracy of information before making financial decisions
• Consulting with qualified financial, tax, or legal professionals when appropriate
• Understanding the implications of your financial choices

No Guarantees

Zentia does not guarantee:

• The accuracy, completeness, or timeliness of any information provided
• That using Zentia will improve your financial situation
• Specific financial outcomes or results
• That the Service will meet your specific requirements

Free and Paid Plans

Zentia offers different subscription plans:

• Free Plan: Basic features with limitations
• Zentia Plus: Premium features with extended capabilities (trial and paid options available)

Subscription Terms

• Subscriptions are billed in advance on a recurring basis
• Subscription fees are non-refundable except as required by law
• We reserve the right to change subscription prices with 30 days' notice
• Your subscription will automatically renew unless cancelled

Payment Processing

Payments are processed through Stripe, a third-party payment processor. You agree to provide current, complete, and accurate payment information. Payment card details are never stored on our servers.

Cancellation and Refunds

• You may cancel your subscription at any time through your account settings
• Cancellation takes effect at the end of your current billing period
• Refunds are provided only as required by applicable law or at our sole discretion
• No refunds for partial subscription periods

Our Ownership

Zentia and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

This includes the Zentia name, logo, branding, software code, design, user interface, documentation, and all content provided through the Service (except your user data).

Your Data Ownership

You retain all ownership rights to your financial data and content that you upload or enter into Zentia. By using the Service, you grant us a limited, non-exclusive license to store, process, and display your data to provide the Service.

License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use Zentia for your personal, non-commercial use. This license does not include the right to resell, redistribute, modify, adapt, or create derivative works.

Availability

We strive to provide reliable service, but we do not guarantee that Zentia will be available at all times, free from errors, compatible with all devices, or secure from unauthorized access.

Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, add or remove features, change pricing or subscription plans (with notice), and perform maintenance that may temporarily interrupt service.

Data Loss

While we implement backup and recovery procedures, we are not responsible for loss of data due to technical failures, data corruption, unauthorized access leading to data loss, or service interruptions affecting data availability.

Disclaimer of Warranties

ZENTIA IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OR RELIABILITY OF INFORMATION.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, LOSS OF PROFITS, REVENUE, DATA, OR USE, FINANCIAL LOSSES RESULTING FROM USE OF THE SERVICE, DECISIONS MADE BASED ON INFORMATION PROVIDED BY ZENTIA, ERRORS OR INACCURACIES IN DATA YOU ENTER, SERVICE INTERRUPTIONS OR UNAVAILABILITY, OR UNAUTHORIZED ACCESS TO YOUR ACCOUNT OR DATA.

Our total liability for any claims arising from or related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

Termination by You

You may terminate your account at any time by contacting us with a deletion request or following account deletion procedures in the app (if available). Upon termination, your access to the Service will be immediately suspended, and your data will be deleted in accordance with our Privacy Policy.

Termination by Us

We may suspend or terminate your account immediately, without prior notice, if you violate these Terms, engage in fraudulent, abusive, or illegal activity, fail to pay subscription fees when due, we are required to do so by law, or we discontinue the Service.

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

Dispute Resolution Process

If you have a dispute with us, you agree to:

1. Contact us first to attempt to resolve the dispute
2. Engage in good faith negotiations for at least 30 days
3. Participate in mediation before pursuing litigation (if applicable)

Class Action Waiver

You agree that any disputes will be resolved individually and not as part of a class action, consolidated action, or representative proceeding.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or internet or telecommunications failures.

Contact Information

If you have questions about these Terms, please contact us at support@zentia.app.