1. Acceptance of Terms

By accessing or using www.zapcash.com/ (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

2. Informational Site; No Financial Services Offered

ZapCash is a payments platform currently in development. The Site is provided for informational purposes only. Nothing on the Site is an offer to provide, or a solicitation to use, any money transmission, banking, payment, or other financial service. Any future services will be governed by separate account agreements and disclosures that you will be asked to accept at the time of enrollment.

3. Forward-Looking Statements

Descriptions of features, performance targets, pricing goals, partners, technologies, and timelines on the Site reflect our current plans and design goals. They are subject to change and may not be achieved, and they should not be relied upon as commitments.

4. Use of the Site

You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use of the Site by, anyone else. You may not attempt to gain unauthorized access to the Site or its systems, introduce malicious code, scrape the Site in an abusive manner, or use the Site to transmit unlawful, fraudulent, or offensive content.

5. Early-Access List

Joining our early-access list does not guarantee access to any beta, product, feature, or pricing. We may invite participants at our discretion and may end the list at any time.

6. Intellectual Property

All content on the Site, including text, graphics, logos, the ZapCash name and “Z” mark, the tagline “Instant payments. Zero friction,” icons, and software, is owned by or licensed to ZapCash and is protected by intellectual-property laws. You may not copy, reproduce, modify, distribute, or create derivative works without our prior written permission. FedNow^®, RTP^®, and other third-party names are the property of their respective owners and are used for descriptive purposes only; their use does not imply affiliation or endorsement.

7. Submissions and Feedback

If you send us ideas, suggestions, or feedback, you agree that we may use them without restriction or compensation to you.

8. Third-Party Links

The Site may link to third-party websites. We do not control and are not responsible for their content, policies, or practices.

9. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ZAPCASH AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SITE.

11. Indemnification

You agree to indemnify and hold harmless ZapCash and its affiliates from any claims, damages, or expenses arising from your misuse of the Site or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles. Any dispute arising from these Terms or the Site shall be brought in the state or federal courts located in Miami-Dade County, Florida.

13. Changes to These Terms

We may revise these Terms at any time by posting an updated version on this page. Your continued use of the Site after changes are posted means you accept the revised Terms.

14. Contact

Questions about these Terms may be sent to info@zapcash.com or by calling (786) 870-4400.