Terms of Service

1. Definitions

• "Ziyo", "we", "us", "our" refers to Ziyo, a sole proprietorship registered in India, operating the Ziyo Universal Reward Infrastructure platform.
• "Brand" refers to a business entity that uses the Service to create, distribute, and manage reward programs for their products.
• "Consumer" refers to an end user who scans codes, claims rewards, and receives payouts through the Service.
• "User" refers to any individual or entity that accesses or uses the Service, including Brands and Consumers.
• "Credits" refers to the prepaid units purchased by Brands to mint reward codes on the platform.
• "Reward Codes" refers to the unique alphanumeric codes generated through the Service that Consumers can scan to claim rewards.

2. Account Registration & Responsibilities

• You must provide accurate, current, and complete information during registration and keep it updated.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.
• You must notify us immediately at support@ziyo.in of any unauthorized use of your account.
• Brands must have the legal authority to offer rewards on their products and must comply with all applicable laws, including the Consumer Protection Act, 2019.
• We reserve the right to suspend or terminate accounts that violate these Terms or are used for fraudulent purposes.

3. Nature of the Service

• Ziyo is a software-as-a-service platform that provides infrastructure for brands to create, distribute, and manage reward programs.
• Ziyo does not hold, custody, or control any funds belonging to Brands or Consumers. All payouts are processed directly through third-party payment processors (e.g., Razorpay) to the Consumer's UPI ID or bank account.
• Ziyo acts as a technology intermediary and is not a party to any transaction between Brands and Consumers.
• The Service is provided on a best-effort basis. We do not guarantee uninterrupted or error-free operation.

4. Credits, Subscriptions & Payments

• Credits: Credits are prepaid units used to mint reward codes. All credit purchases are final and non-refundable once codes have been generated. Unused credits expire 12 months from the date of purchase.
• Subscriptions: Brands may subscribe to monthly or annual plans. Subscriptions auto-renew unless cancelled before the next billing date. Cancellation stops future charges but does not refund the current billing period.
• Reward Codes: Generated codes are valid for 24 months from creation unless otherwise specified. Expired codes cannot be claimed.
• Pricing:We reserve the right to modify pricing with 30 days' prior notice. Existing subscriptions will be grandfathered at the current rate until the next renewal.

5. Brand Obligations

• Brands are solely responsible for the rewards they offer, including ensuring that advertised rewards are genuine and deliverable.
• Brands must maintain sufficient credit balance to honor all outstanding reward claims.
• Brands must not use the Service for any illegal, deceptive, or fraudulent purpose.
• Brands must comply with all applicable tax laws, including GST, TDS, and any other obligations arising from reward distributions.
• Brands acknowledge that Ziyo is not liable for any disputes between Brands and Consumers regarding reward fulfillment.

6. Fraud Prevention & Anti-Abuse

• Ziyo employs fraud detection systems to prevent duplicate claims, bot activity, and other abuses.
• We reserve the right to flag, reverse, or withhold any claim that we reasonably believe to be fraudulent.
• Users found engaging in fraud, including but not limited to creating fake accounts, tampering with codes, or colluding to extract rewards, will have their accounts permanently terminated.
• Flagged funds may be held for investigation for up to 90 days. If fraud is confirmed, funds will be returned to the Brand.

7. API Access & Usage

• API access is provided to Brands on authorized plans. API keys must be kept confidential and must not be shared publicly.
• Rate limits apply as specified in your plan. Exceeding rate limits may result in temporary suspension of API access.
• You must not reverse-engineer, decompile, or attempt to extract the source code of the Service.
• We reserve the right to revoke API access for misuse, including unauthorized data access or excessive requests.

8. Intellectual Property

• The Ziyo platform, including its software, design, logos, and documentation, is owned by Ziyo and protected by intellectual property laws.
• Brands retain ownership of their brand assets, product information, and reward program content uploaded to the platform.
• By using the Service, Brands grant Ziyo a limited, non-exclusive license to use their brand assets solely for the purpose of providing the Service.

9. Limitation of Liability

• No Liability for Indirect Damages: To the maximum extent permitted by applicable law, Ziyo shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, business opportunities, or goodwill, arising out of or in connection with the Service.
• Cap on Liability: Ziyo's total aggregate liability for any claims arising from or related to the Service shall not exceed the total fees paid by you to Ziyo in the 12 months preceding the claim.
• No Fiduciary Duty: Ziyo is a technology platform, not a financial institution, payment processor, or fiduciary. We do not hold, manage, or invest any funds on behalf of Users.
• Third-Party Services: Ziyo relies on third-party services (payment processors, cloud providers, etc.). We are not liable for failures, outages, or data breaches caused by these third parties.
• Service Availability: We do not guarantee 100% uptime. Scheduled maintenance and unforeseen outages may occur. We will make reasonable efforts to provide advance notice of scheduled downtime.

10. Indemnification

You agree to indemnify, defend, and hold harmless Ziyo, its proprietor, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, expenses (including reasonable legal fees), and liabilities arising from:

• Your use of the Service in violation of these Terms or any applicable law.
• Your breach of any obligation, representation, or warranty under these Terms.
• Any dispute between you and a Consumer or third party regarding reward fulfillment, payment, or product quality.
• Any claim that your content or brand assets infringe the intellectual property rights of a third party.
• Any fraudulent, deceptive, or illegal activity conducted through your account.
• Any tax liability arising from your use of the Service, including GST, TDS, or income tax obligations.

11. Dispute Resolution & Governing Law

• Governing Law: These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.
• Jurisdiction: Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka, India.
• Arbitration: Before initiating any court proceedings, you agree to attempt to resolve disputes through good-faith negotiation for a period of 30 days. If unresolved, either party may submit the dispute to binding arbitration under the Arbitration and Conciliation Act, 1996, conducted in Bangalore, India. The arbitration shall be conducted by a sole arbitrator appointed by mutual agreement, or failing that, by the Bangalore Arbitration Centre. The language of arbitration shall be English.
• Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

12. Data Protection & Privacy

• Your use of the Service is also governed by our Privacy Policy.
• We process personal data in accordance with the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 (DPDPA), and where applicable, the EU General Data Protection Regulation (GDPR).
• Users have the right to access, export, and delete their personal data as described in our Privacy Policy.
• Brands that use the Service to collect Consumer data are independently responsible for complying with applicable data protection laws as data controllers.

13. Account Termination & Data Retention

• You may delete your account at any time through the platform settings or by contacting support@ziyo.in.
• Upon account deletion, your personal data will be anonymized in accordance with our Privacy Policy. However, certain records must be retained as required by Indian law (financial records for 6-8 years).
• We reserve the right to suspend or terminate accounts that violate these Terms, with or without notice.
• Upon termination, any unused credits or active subscriptions will be handled per our Refund Policy.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or platform notification at least 30 days before they take effect. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

15. Severability & Waiver

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect. The failure of Ziyo to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

16. Contact Information

For any questions about these Terms, please contact us at: