Terms and Conditions

These Terms and Conditions ("Terms") govern access to and use of the Zippix websites, web application, communication features, APIs, support services, and related services (collectively, the "Service"). Zippix is a business software platform for financial advisory firms to manage client information, leads, projects, tasks, team access, files, analytics, and WhatsApp communications.

By creating an account, signing an order form, accepting an invitation to a Zippix workspace, or using the Service, you agree to these Terms. If you use the Service for an organisation, you represent that you have authority to bind that organisation. In that case, "Customer" means that organisation, and "you" includes the Customer and its authorised users.

If you do not agree to these Terms, do not use the Service.

1. The Agreement

The agreement between the Customer and Zippix consists of:

1. any proposal, order form, subscription document, invoice, statement of work, or other commercial document accepted by the parties (an "Order Form");
2. these Terms;
3. the Privacy Policy;
4. any data processing agreement, service-level agreement, or product-specific terms signed by the parties; and
5. any policies expressly incorporated into an Order Form.

If documents conflict, a signed Order Form or separately signed agreement controls for the subject it addresses, followed by these Terms and then the other incorporated policies.

2. The Service

Zippix provides tools that may include:

• client, household, relationship, and financial-information management;
• lead, pipeline, onboarding, project, task, checklist, and workflow management;
• employee roles, reporting hierarchies, permissions, and activity visibility;
• file, note, review, and document management;
• reports, dashboards, and operational analytics;
• WhatsApp account connection, conversations, templates, campaigns, automation, and delivery analytics; and
• data import, export, support, and related administration features.

Features may differ by plan, Order Form, configuration, availability, or third-party integration. Zippix may improve or change the Service over time. We will not materially reduce paid core functionality during a committed subscription term without reasonable notice, except where a change is required for security, law, third-party platform requirements, or prevention of harm.

Zippix is a workflow and information-management platform. It does not provide investment, tax, legal, accounting, or financial advice, execute investments, act as a broker or investment adviser, or verify that Customer Data is accurate or suitable for any person.

3. Accounts and Workspace Administration

The Customer must provide accurate account and workspace information and keep it current. Each user must use an individual account and keep login credentials confidential. Accounts may not be sold, shared, or made available to unauthorised persons. The Service is intended for business use, and each user must be legally capable of entering a binding agreement.

The Customer controls its workspace, invites users, assigns roles, configures permissions, selects integrations, and determines which records its users may access. Workspace owners and administrators are responsible for:

• authorising users and removing access when it is no longer needed;
• applying appropriate roles, reporting relationships, project permissions, and folder permissions;
• reviewing activity performed through Customer accounts;
• protecting devices, browsers, email accounts, authentication links, and network access; and
• notifying us promptly at support@zippix.in of suspected account compromise or unauthorised use.

You are responsible for activity performed using your accounts unless caused by Zippix's breach of these Terms or failure to apply controls that Zippix expressly agreed to provide.

4. Licence and Permitted Use

Subject to the Agreement and payment of applicable fees, Zippix grants the Customer a limited, non-exclusive, non-transferable, non-sublicensable right during the subscription term to permit its authorised users to access and use the Service for the Customer's internal business operations.

The Customer may use exports produced by the Service for its business purposes. This licence does not transfer ownership of the Service, its source code, designs, documentation, or underlying technology.

5. Customer Data and Data Responsibilities

"Customer Data" means information, records, files, messages, content, configurations, and other material submitted to, imported into, transmitted through, or generated from the Customer's use of the Service. Customer Data includes data about the Customer's employees, prospects, clients, family members, contacts, and WhatsApp recipients.

As between the parties, the Customer retains its rights in Customer Data. The Customer gives Zippix and its service providers a limited right to host, copy, transmit, transform, display, and otherwise process Customer Data only as reasonably necessary to:

• provide, maintain, secure, and support the Service;
• follow the Customer's documented use and configuration of the Service;
• prevent fraud, abuse, security incidents, and unlawful activity;
• comply with law and enforce the Agreement; and
• create aggregate or de-identified operational information that does not identify the Customer or an individual.

The Customer determines what end-client and prospect data is placed in Zippix and why it is processed. The Customer is responsible for:

• having all notices, consents, permissions, instructions, and other lawful authority required to collect and use Customer Data;
• providing legally required privacy notices and responding to requests from individuals whose data it controls;
• ensuring that Customer Data and its use are accurate, relevant, fair, and lawful;
• configuring access according to the Customer's confidentiality and regulatory obligations;
• avoiding unnecessary or excessive personal data; and
• instructing Zippix when assistance is required with an access, correction, export, restriction, or deletion request.

Zippix acts as a data processor or service provider for Customer-controlled end-client records, except where applicable law assigns Zippix an independent responsibility. Zippix acts directly for data it collects for website enquiries, account administration, billing, security, and support. More information is in the Privacy Policy.

Zippix does not sell Customer Data, use Customer Data for targeted advertising, or use Customer records or WhatsApp content to train artificial intelligence or machine-learning models.

6. Sensitive and Financial Information

The Service permits Customers to store sensitive identity, contact, and financial information about their clients and prospects, together with related documents and relationship records.

The Customer must collect and store only information it is authorised to process and must apply suitable permissions. The Customer must not use Zippix as a substitute for any recordkeeping, suitability, consent, or security control required by financial-services or other sector-specific law.

7. WhatsApp and Communications

WhatsApp features depend on services provided by Meta Platforms and its affiliates. When using these features, the Customer must:

• comply with applicable law, the WhatsApp Business Terms, Meta platform policies, template rules, and messaging limits;
• obtain and retain any consent or opt-in required before contacting a recipient;
• honour opt-outs, blocking requests, communication preferences, and legally required suppression lists;
• avoid spam, misleading campaigns, unlawful automated messages, and prohibited content;
• ensure that uploaded recipient lists and campaign variables were obtained lawfully; and
• monitor connected accounts, access tokens, templates, quality ratings, charges, and message results.

Meta may approve, reject, limit, suspend, or change WhatsApp accounts, templates, pricing, delivery, features, or APIs. Zippix is not responsible for Meta's independent actions, outages, policies, or processing. Message delivery, read receipts, and campaign analytics depend on information received from Meta and are not guaranteed.

8. Acceptable Use

You must not, and must not permit anyone else to:

• use the Service unlawfully or infringe another person's rights;
• upload malware, malicious code, or content designed to disrupt the Service;
• probe, scan, test, bypass, disable, or defeat security or access controls without written authorisation;
• access another workspace, account, file, message, or record without authority;
• reverse engineer, decompile, disassemble, scrape, frame, mirror, or copy the Service except where law expressly permits it;
• use automated means that impose an unreasonable load or interfere with other customers;
• submit false identity information or impersonate another person;
• transmit unlawful, deceptive, abusive, harassing, discriminatory, or infringing content;
• use the Service for unsolicited bulk communication or to evade Meta or carrier restrictions;
• resell or provide the Service as a service bureau unless an Order Form permits it; or
• use the Service to develop or benchmark a competing product without written permission.

We may investigate suspected misuse and preserve or disclose relevant information where permitted or required by law.

9. Third-Party Services

The Service is built on and connects to third-party services, including cloud infrastructure, data storage, email delivery, and communication platforms such as Meta/WhatsApp. Some integrations are optional and enabled by the Customer.

Third-party services are governed by their own terms and privacy practices. Zippix does not control and is not responsible for a third party's independent service, content, security, availability, policy changes, or acts. Zippix remains responsible for its own obligations and for selecting and managing service providers as required by applicable law and the Agreement.

10. Fees, Plans, Trials, and Credits

Fees, plan limits, seats, storage, WhatsApp allowances or credits, taxes, billing periods, trial terms, renewal terms, payment dates, cancellation terms, and refund rights are governed by the applicable Order Form or invoice.

Unless an Order Form says otherwise:

• fees are stated exclusive of applicable taxes;
• the Customer is responsible for taxes other than taxes on Zippix's net income;
• invoices are payable by their stated due date;
• plan limits and purchased entitlements apply to use of the Service;
• WhatsApp credits or allowances are service entitlements, not bank deposits or stored monetary value; and
• fees and credits are not refundable or exchangeable for cash except where required by law.

Trials may have limited features or usage and may end automatically on the date communicated to the Customer. A trial does not convert to a paid or renewed subscription unless an Order Form, invoice, or other accepted commercial arrangement provides for that conversion.

11. Intellectual Property and Feedback

Zippix and its licensors own the Service, software, interfaces, workflows, documentation, trademarks, designs, and all related intellectual-property rights. No rights are granted except the limited licence stated in these Terms.

If you provide suggestions, ideas, or feedback, you allow Zippix to use them without restriction or payment, provided we do not identify you publicly as the source without permission.

12. Confidentiality

Each party may receive non-public business, technical, security, pricing, or customer information from the other ("Confidential Information"). The receiving party will:

• use Confidential Information only for the Agreement;
• protect it using reasonable care, and at least the care used for its own similar information; and
• disclose it only to personnel, professional advisers, and service providers who need it and are bound by confidentiality obligations.

Confidential Information does not include information that the receiving party can show was lawfully known without restriction, becomes public without breach, is received lawfully from another source, or is independently developed without using the disclosing party's Confidential Information.

A party may disclose information when legally required, after giving notice where lawful and reasonably practicable.

13. Privacy and Security

Our handling of personal data is described in the Privacy Policy. Current application and infrastructure controls are summarised in the Security Center.

The Customer acknowledges that no internet service is completely secure or uninterrupted. The Customer is responsible for evaluating whether the Service is appropriate for its legal, professional, contractual, confidentiality, and security requirements.

14. Service Availability and Support

Zippix aims to keep the Service available and reliable but does not guarantee uninterrupted or error-free operation unless a signed service-level agreement says otherwise. Maintenance, third-party failures, network conditions, security events, emergency work, and events outside reasonable control may affect availability.

Support is provided through the channels and service levels stated in an Order Form or otherwise communicated for the applicable plan. Preview, beta, early-access, or evaluation features may be changed or discontinued and may be less reliable than generally available features.

15. Suspension

Zippix may suspend access to all or part of the Service where reasonably necessary to:

• address an actual or suspected security threat;
• prevent unlawful use, harm, abuse, or interference;
• comply with law, a court order, or a third-party platform requirement;
• address material non-payment after applicable notice;
• enforce usage limits; or
• respond to a material breach of the Agreement.

Where practicable and lawful, we will give notice and a reasonable opportunity to remedy the issue. We will limit suspension to the scope and duration reasonably necessary.

16. Term and Termination

The subscription term and termination rights are stated in the applicable Order Form. Either party may terminate the Agreement for a material breach that remains uncured 30 days after written notice, unless the breach cannot be cured or immediate termination is permitted by law.

Zippix may terminate immediately for serious unlawful use, deliberate security compromise, infringement, fraud, or conduct that creates material harm to the Service or another person.

On termination or expiry:

• the Customer's right to use the Service ends;
• outstanding amounts remain payable;
• the Customer should export supported data before access ends;
• the Customer may contact support@zippix.in to discuss a reasonable data export or deletion request; and
• Customer Data may be retained where reasonably required for legal compliance, billing, security, fraud prevention, dispute resolution, enforcement, or technical operations, and otherwise deleted or de-identified when it is no longer needed.

Workspace deactivation is not the same as immediate deletion. Zippix does not promise a fixed deletion or backup-expiry period unless a signed agreement states one.

Sections that by nature should survive termination will survive, including payment, intellectual property, confidentiality, disclaimers, indemnities, limitations of liability, dispute terms, and data-retention obligations.

17. Warranties and Disclaimers

Each party represents that it has authority to enter into the Agreement. Zippix warrants that it will provide the paid Service with reasonable skill and care.

Except for express commitments in the Agreement and to the maximum extent permitted by law, the Service is provided "as is" and "as available". Zippix disclaims implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted availability.

Zippix does not warrant that:

• Customer Data is complete, accurate, lawful, or suitable for financial decisions;
• an import, export, report, dashboard, automation, or analytics result will meet every regulatory or business need;
• a WhatsApp message will be accepted, delivered, read, or charged at a particular rate; or
• every error, security threat, or interruption can be prevented.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

18. Indemnification

The Customer will defend and indemnify Zippix and its personnel against third-party claims, losses, and reasonable costs arising from:

• Customer Data or the Customer's instructions infringing another person's rights;
• the Customer's unlawful collection, use, disclosure, or communication of personal data;
• messages or campaigns sent without required authority, notice, or consent;
• the Customer's material violation of the Acceptable Use section; or
• the Customer's breach of applicable financial-services, communication, privacy, or marketing law.

This obligation does not apply to the extent a claim was caused by Zippix's breach of the Agreement, negligence, wilful misconduct, or processing outside the Customer's instructions.

The indemnified party must give prompt notice, reasonable cooperation, and control of the defence to the indemnifying party, subject to the indemnified party's right to participate through its own counsel. No settlement may admit fault or impose a non-monetary obligation on the indemnified party without consent.

19. Limitation of Liability

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or for loss of profits, revenue, goodwill, anticipated savings, or business opportunity, even if advised that such loss was possible.

Except for the exclusions below, each party's total aggregate liability arising from or relating to the Agreement will not exceed the fees paid or payable by the Customer for the Service during the 12 months immediately before the event giving rise to the claim.

The exclusions and cap do not limit:

• the Customer's payment obligations;
• a party's fraud, wilful misconduct, or deliberate unlawful conduct;
• breach of confidentiality or infringement of the other party's intellectual-property rights;
• indemnification obligations to the extent the underlying liability cannot reasonably be capped; or
• liability that applicable law does not permit the parties to exclude or limit.

20. Governing Law and Courts

The Agreement is governed by the laws of India, without regard to conflict-of-law principles. Subject to any mandatory dispute process in a signed Order Form, the courts located in Rajkot, Gujarat, India will have exclusive jurisdiction over disputes arising from or relating to the Agreement.

Before filing a claim, each party will try in good faith for at least 30 days to resolve the dispute through authorised representatives, unless urgent interim relief is reasonably required.

21. Changes to These Terms

Zippix may update these Terms to reflect changes in the Service, law, security practices, or business operations. We will update the effective date and provide reasonable notice of a material change through the Service, by email, or through another appropriate channel.

Changes will apply prospectively. If a material change substantially reduces a Customer's rights during a committed paid term, the Customer may contact Zippix before the change takes effect to discuss the available remedy. Continued use after the effective date of an update constitutes acceptance where permitted by law.

22. General Terms

• Notices: Legal notices must be sent by email to support@zippix.in and by a method that provides delivery confirmation if an Order Form requires it. Operational notices may be provided in the Service or by email.
• Assignment: Neither party may assign the Agreement without the other's consent, except to an affiliate or in connection with a merger, reorganisation, sale of substantially all assets, or similar transaction, provided the assignee accepts the Agreement.
• Subcontractors: Zippix may use service providers to perform parts of the Service and remains responsible for its obligations under the Agreement.
• Force majeure: Neither party is liable for delay caused by events beyond its reasonable control, except payment obligations for Service already provided.
• No waiver: Failure to enforce a provision is not a waiver.
• Severability: If a provision is unenforceable, it will be limited to the minimum extent necessary and the remaining provisions will continue.
• No partnership: The Agreement does not create a partnership, agency, employment, fiduciary, or joint-venture relationship.
• Entire agreement: The Agreement is the complete agreement about the Service and replaces earlier proposals or discussions on the same subject.
• Electronic agreement: Electronic acceptance, records, and signatures may be used to form and administer the Agreement.

23. Contact

Zippix Support Team
ANWIT AI, operating Zippix
B-509, Decora 9Square
Nana Mava Road
Rajkot, Gujarat 360003
India
Email: support@zippix.in