8. Loading funds
8.1. To load funds, you can visit the Website, log into your Zosxo Account and follow the corresponding loading instructions. You may be presented with different charging methods, depending on the Payment Methods you have added to your Zosxo Account and the Payment Methods that are available in your country of residence. Loading methods are payment services provided by independent financial institutions (for example, the issuer of the payment card you use to load funds or direct banking service providers) and are not part of our service. We do not guarantee the use of any particular charging method offered, and we may modify or discontinue acceptance of any particular charging method at any time without following the procedure set out in section 17. Notwithstanding section 8.7 below, we will not responsible for paying charges until we have received the funds uploaded.
8.2. You may be asked to answer security questions or perform other activities that we or the payment service provider you use to load funds to your Zosxo Account may reasonably require to ensure proper authorization of a load transaction.
8.3. If you choose a charging method using a Payment Method that may be subject to rights to claim funds (a "Cancellation") such as (among others) a credit or debit card, or direct debit, you declare that you will not exercise said right Cancellation except in the event of unauthorized use of the payment method, or for a breach of these Terms of Use on our part, which would result in you being entitled to a refund of the amount charged. Except in that case, you may not make any Cancellation for any cargo transaction or allow the Cancellation of any cargo transaction for reasons for which we are not responsible, including, but not limited to, disputes with merchants due to non-delivery of products or services. , or an insufficient balance in the Payment Method account. We reserve the right to charge you the fees and expenses we incur in connection with such Cancellation, as well as any action taken to challenge it. We may also impose a Refund Fee on you as shown in the "Fees" section of the Website.
8.4. You can authorize a merchant that you wish to pay through our service periodically (for example, for a subscription service) to make a charge for each of the recurring payments to your Zosxo Account. In this case, you authorize us to charge the Payment Method (for example, your credit card or bank account) that you used to make the original payment on each subsequent payment. In order to cancel future recurring payments, you must (a) contact us and (b) notify the merchant from whom you purchased the products or services that you have canceled the recurring payment. You should not cancel or otherwise reverse such recurring transactions by contacting the issuer / account provider of the Payment Method (for example, your bank or credit card provider) without following the cancellation steps mentioned in this section 8.4. Subject to section 8.5, we will not be responsible for recurring payments that are made before you have notified us of the cancellation, and if your Zosxo Account balance is negative as a result of such payments, you will be responsible for returning said amount.
8.5. We will refund any previous recurring payments initiated by or through the merchant, provided that (a) the original authorization granted to us or the merchant did not specify the exact amount of the payment and (b) the amount of the payment was greater than what you you would have reasonably expected, considering your past spending patterns and the circumstances of the case. You must request such a refund within eight weeks from the date the funds are debited from your Zosxo Account. You agree to provide us with the information that is reasonably necessary to determine if the conditions for a refund described in this section 8.5 are met. Within (10) Business Days after receiving a refund request or, if applicable, receiving any additional information that we request, we will either refund the full amount of the payment or provide you with a justification for rejecting the refund, indicating that You have the right to refer the matter to the Financial Ombudsman Service (details are in section 21) if you do not accept the justification we have provided.
8.6. If, due to a cancellation or revocation of a load transaction, your Zosxo Account presents a negative balance, we will ask you We will arrange for you to remedy this situation by loading sufficient funds into your Zosxo Account. Failure to do so constitutes a breach of these Terms of Use. The negative balance must be paid immediately without prior notice. We reserve the right, at any time, to send you reminders or take other steps to collect the debt, including, but not limited to, hiring a debt collection agency or attorneys to file a lawsuit in court. We reserve the right to charge you for reasonable expenses that we incur in connection with any debt collection or enforcement activity.
8.7. The funds uploaded will be credited to your Zosxo Account when we receive them. Some charge transactions, such as those made with credit or debit cards, direct debit or direct banking, will be credited to your Zosxo Account immediately, but are subject to revocation in the event that we do not receive the actual funds within a reasonable time, in which case we will deduct said transaction from the balance of your Zosxo Account. If your Zosxo Account balance is insufficient, we reserve the right to request payment from you.
8.8. To carry out an upload transaction via a Payment Method, we are an electronic money issuer and will issue electronic money in exchange for the funds loaded. We will not act as a payment service provider when we receive such funds.
8.9. You should not upload using a Payment Method if you are not the owner of that Payment Method. We will consider any violation of this requirement very serious and we will consider as fraud any attempt to use a Payment Method that you do not own.
8.10. Loads may be subject to load limits due to legal and safety requirements. These limits are dynamically set depending on your verification status and the upload method you want to use. You should be aware that depending on your verification status, your upload limits may be higher than your withdrawal or spending limits. You can consult these limits at any time in the corresponding section of your Zosxo Account profile.
8.11. Charges are subject to fees that include currency conversion fees (if any). See more information in section 13.
8.12. You should not charge using cash. Without prejudice to being able to claim other damages and losses, if we are forced to take any action on your Zosxo Account as a result of carrying out a cash charge on your part, we may charge you an administrative fee as indicated in the section " Commissions "of the Website.
9. Sending payments
9.1. To send a payment, you will need to authorize the payment with your username and password. We may also ask you other security questions regarding you or your Zosxo Account. If your Zosxo Account is protected with additional security measures, such as password tokens, you must follow the instructions that have been provided to you with those security measures. If your Zosxo Account is enabled to make mass payments, the procedure for making such payments will be communicated to you in the corresponding integration manual.
9.2. Each of the recipients of a payment that you wish to send through us must have a valid means of identification. For most of our services, that means of identification will be a valid email address, but other means of identification may be requested for other services.
9.3. If you are asked to provide the recipient's email address or other means of identification, as appropriate, you will need to take great care to type exactly the details of the person to whom you want to send the money. We use that data as the unique identifier to determine the indicated recipient of the payment that you have asked us to process. Other information that you provide together with the recipient's means of identification may be disregarded and we will not be responsible for any mistakes you make when entering the recipient's means of identification.
9.4. If the email address of the indicated recipient is registered in our system, the funds will be immediately credited to the Zosxo Account associated with said email address. Once the funds are credited to the recipient's Zosxo Account, the transaction will be irreversible.
9.5. If the recipient's email address is not registered in our system, we will send an email notification to that address with instructions for claiming and receiving payment. If the recipient does not claim payment within 14 days, the transaction will be canceled and you will receive a refund of the funds. You can also cancel the transaction when Any time, as long as the funds have not yet been credited to the recipient's Zosxo Account. To cancel a transaction, you have to log into your Zosxo Account, find the corresponding transaction in your transaction history and select "Cancel".
9.6. You can make recurring payments by setting up a recurring payment order in your Zosxo Account. You can cancel your recurring payment order for future payments at any time by logging into your Zosxo Account and deleting said order. You will not be able to cancel transactions that have already been credited to the recipient.
9.7. Payments are subject to payment limits due to legal and security requirements. These limits are dynamically set depending on your verification status. You can check these limits at any time in your Zosxo Account profile. You must ensure that your limits are sufficient to cover the payment you want to make, as well as all applicable fees, including currency conversion and service fees. You should be aware that the recipient of a payment may also be subject to spending and withdrawal limits, and that this may affect the recipient's access to the funds you wish to send them.
9.8. If we delay in executing a payment that you instruct us to make, you may ask us to contact the recipient's payment service provider and ask them to pay it as if it had been received on the correct day.
9.9. Sending payments is subject to commissions including currency conversion fees (if any), depending on the type of payment you make and the type of Zosxo Account you are the owner of. See more information in section 13.
9.A External providers
9.A.1. A Third Party Provider is a service provider that is permitted by law to make payments from your account on your behalf and provide account information services for you, provided they act in accordance with your instructions and relevant regulatory requirements. You can check if the provider is authorized in the information it gives you about the services it provides.
9.A.2. We will treat any instruction we receive from a Third Party Provider as if it were from you and the terms of this Agreement will continue to apply. If you consent to a Third Party Provider having access to information regarding your account, we will assume that you agree to grant access as often as the Third Party Provider requests.
9.A.3. If you give your security data to someone who is not an External Provider, we will assume that it is you who authorizes us to give access to your account, we will treat the payments requested by said third party as if they were authorized by you and we will not be responsible for any loss you suffer as a result of the misuse or disclosure of information about your account by that third party.
9.A.4. We may refuse permission to an External Provider to access your Zosxo Account if we are concerned about unauthorized or fraudulent access by that External Provider. Before we do this, we will notify you and explain the reasons for such action, unless it is not reasonably practical, in which case we will tell you immediately afterwards. In any case, we will keep you informed using any of the contact details we have for you. We will not tell you our reasons when doing so compromises our reasonable security measures or is illegal.
If you wish to cancel the consent that you have given to a Third Party Provider to access your account, you will need to contact that provider directly.
9.A.5. If you think a payment may have been made incorrectly or is not authorized, you should tell us as soon as possible when using a Third Party Provider. If you ask a Third Party Provider to request a payment and they do not do so, we will not be held liable for your payment not being made. Once a Third Party Provider has initiated a payment, you will not be able to cancel it normally.
10. Receipt of funds
10.1. If you receive funds in your Zosxo Account, we will send you a notification email and indicate the payment as a “Receive Money” transaction in your transaction history, along with the date of receipt (the credit value date ), the commissions charged and, when any, any exchange rate used. Each transaction is assigned a transaction ID and is displayed in the transaction history. We will not alter or modify the information displayed in your online transaction history. You should periodically check that your incoming payments match your personal records.
10.2. You should be aware that the receipt of funds in your Zosxo Account does not necessarily mean that such transactions cannot be reversed. We reserve the right to reverse any payment if the payer or the payer's bank or payment service provider has reversed or otherwise reversed a charge or other payment used to credit you the payment, or where it is likely that go do it.
10.3. If a person has received a payment notification from us stating that someone has sent funds to an email address that is not registered, the payment will not be credited until it has been claimed in accordance with the instructions in the message. notification. Until that time, there will be no contractual or fiduciary relationship between us and the indicated recipient. The funds will continue to belong to the sender.
10.4. The receipt of payments is subject to commissions and currency conversion fees, depending on the type of payment you receive and the type of Zosxo Account you are the owner of. See more information in section 13.
11. Prohibited transactions
11.1. Sending or receiving payments in consideration for the sale or supply of: tobacco products, prescription drugs, drugs or drug paraphernalia, weapons (including without limitation knives, firearms and ammunition), television set-top boxes, is strictly prohibited. satellite and cable, material that incites violence, hatred or racism, or that is considered obscene, government IDs and licenses, including replicas and joke articles, and any counterfeit products, illegal or unauthorized lottery or gaming services of chance (including but not limited to the use of or participation in illegal bookmakers), unregistered charity services, products that facilitate or encourage illegal activities, prepaid debit cards or other stored value cards that are not associated with a particular merchant and are not limited to purchases of specific products or services, bundling products or services third-party payment or processing, multi-level marketing, pyramid or ponzi-type sales programs, parent programs or other “get-rich-quick” programs or high-yield investment programs, products or services that infringe the intellectual property rights of third parties, uncoded / badly coded games; property or timeshare reservation payments (with or without plan). We reserve the right, in our sole discretion, to add categories of prohibited transactions by adding such categories to these Terms of Use or an acceptable use policy posted on the Website.
11.2. Making payments or receiving payments from persons or entities offering illegal gambling services, including but not limited to illegal sports betting, casino games and poker games, is strictly prohibited. We may suspend or close your Zosxo Account at any time or refuse to execute or reverse a transaction if we believe that you are directly or indirectly using or have used your Zosxo Account for transactions related to illegal gambling. This list is not exhaustive and it is your responsibility to ensure that you do not use our services for transactions that could be considered illegal in your jurisdiction.
11.3. You will not be able to use our services if you reside in certain countries. A list of countries where service is not provided will be available on the website and is updated in a timely manner. This list is not exhaustive and we may decide, in our sole discretion, whether to discontinue or restrict our services in other countries at any time and without prior notice. We reserve the right to suspend or close your Zosxo Account at any time if we reasonably consider that the law requires it in order to comply with the recommendations issued by a relevant governmental authority or a recognized body for the prevention of financial crimes. .
11.4. It is strictly forbidden to use your Zosxo Account for any illegal purpose, including without limitation fraud and lmoney hoarder. We will investigate and report any suspicious activity to the appropriate law enforcement authority. We reserve the right to charge you, in our sole discretion, an administration fee as shown in the "Fees" section of the Website for each investigation we carry out regarding such suspicious activities, including when we receive notifications of them. by any third party with whom we have an association. It is prohibited to use your Zosxo Account to try to abuse, exploit or evade the restrictions of use imposed by a merchant or a Third Party Provider on the services it provides.
11.5. You may only accept payments for certain categories of businesses after receiving our approval, in our sole discretion. Said business categories include, but are not limited to: currency exchange or remittance businesses, including, but not limited to, exchange offices, currency exchange, and purchase of traveller's checks; obtaining any type of donation or payment to charitable or non-profit organizations; activities related to natural resources such as jewelery, precious metals or precious stones; live broadcast; the sale or supply of alcoholic beverages; the sale or supply of nutritional supplements and alternative health products; any other commercial category from time to time published in an acceptable use policy on the Website. In case you have questions about whether your business falls into any of the above categories, you should contact Customer Service. We reserve the right, in our sole discretion, to add business categories that require approval by adding such categories to these Terms of Use or an acceptable use policy posted on the Website.
11.6. If you make an attempt or make any transaction in violation of the prohibitions contained in this section 11 or without the necessary approval under section 11.5, we reserve the right to: reverse the transaction; and / or close or suspend your Zosxo Account; and / or report the transaction to the relevant competent authority; and / or claim damages from you; and charge you an administration fee as it appears in the "Fees" section of the Website in case we apply any of the options mentioned above.
11.7. It is your responsibility, not ours, to ensure that you only send or receive payments to / from individuals or entities for the sale or supply of products and services that you may provide or receive in accordance with applicable laws and regulations. The mere fact that a person or entity accepts payments through us does not indicate the legality of the supply or provision of its products and services. If you have doubts about the legality of a supply or purchase, you should not proceed with the payment.
12. Withdrawal of funds
12.1. You can request the withdrawal of all or part of the funds that are in your Zosxo Account at any time. To do so, you must log into your Zosxo Account, select a withdrawal method and indicate the amount you wish to withdraw. Withdrawal methods are payment services provided, at least in part, by independent financial institutions (for example, the bank where you have a bank account). We do not guarantee the availability of any particular withdrawal method, and we may modify or discontinue any withdrawal method at any time without following the procedure set out in section 17, as long as there is at least one withdrawal method available. In the event that you receive payment for a withdrawal with the participation of a payment service provider (such as the bank where you have a bank account), we will not be responsible for such withdrawal payment once the funds have been received by your payment service provider.
12.2. Your Zosxo Account is subject to withdrawal limits. These limits are dynamically adjusted depending on the type of identification documentation we have on you. You can check your withdrawal limits at any time in your Zosxo Account profile. Before loading funds into your Zosxo Account, you should ensure that your current withdrawal and spending limits meet your withdrawal and spending needs, as we cannot by law allow you to exceed these limits.
12.3. If the requested withdrawal exceeds the current limit, we may deny your request and instead ask you to send us documents to verify your identity and address before allowing a withdrawal of funds, or to cooperate with us in another way so that we can verify your identity.
12.4. Withdrawals are subject to fees including currency conversion fees (sif there was). See more information in section 13.
12.5. For the purposes of a withdrawal transaction, we are a payer and not a payment service provider.
12.6. You should not make a withdrawal to a bank account or through another Payment Method if you are not the owner. We will consider any violation of this requirement very serious and we will consider as fraud any attempt to use a Payment Method that you do not own.
12.7. You will need to ensure that the payment information you enter when withdrawing funds is correct and complete. We will not be responsible for withdrawing funds that are sent to an incorrect account when this fact is due to the provision of wrong payment information on your part. When making a withdrawal to a bank account, you must ensure that the account number, entity code, IBAN and / or BIC / SWIFT are correct. If you have sent funds to the wrong account, you can request that we help you claim the funds. However, we will impose an administrative fee as shown in the "Fees" section of the Website for this, and we cannot guarantee that claim efforts will be successful.
13. Commissions
13.1. The fees depend on whether you use your Zosxo Account for personal or business purposes.
13.2. Fees related to transactions can be viewed at any time in the "Fees" section of our Website. Additional fees apply to Zosxo Accounts used for commercial purposes in accordance with the conditions mentioned in section 4.7. You should print or download the "Fees" section and keep a copy along with a copy of these Terms of Use. For the sake of clarity, the "Fees" section is part of these Terms of Use. Fees are subject to change in accordance with section 17. In certain circumstances, we may apply additional fees, in accordance with the provisions of sections 8.3, 8.9, 8.12, 11.6, 12.6 and 12.7.
13.3. Your transactions may be subject to currency conversions. If you make a payment from your Zosxo Account denominated in one currency to a Zosxo Account denominated in another currency, you will be prompted to make the payment in the currency of your Skrill Account or another currency. If you choose the currency of your Zosxo Account, the recipient will pay the commission for the conversion to the currency of your Zosxo Account. If you choose the currency of the recipient's Zosxo Account, you will pay the commission for the conversion into the currency of the payment. If you choose a currency that is not the currency of your Zosxo Account or that of the recipient's Zosxo Account, you will pay the commission for the conversion to the payment currency, and the recipient will pay the commission for the conversion to the currency of your Zosxo Account.
13.4. We apply for each currency conversion the average daily interbank market rate published by an external foreign currency data provider (Reuters) to which we add a currency exchange fee, which is shown in the "Fees" section of the Website. The currency exchange commission is paid in addition to the transaction commission. When we charge commissions in USD, we will not apply a commission for currency exchange, but we will convert the amount in USD to the currency of your Zosxo Account at the current exchange rate.
13.5. Our Commissions are expressed as a percentage of the transaction or as a fixed amount in USD. Where fixed amounts are indicated in a currency other than USD, this is for informational purposes only. If commissions are deducted from a balance or from a transaction denominated in a different currency, the commission amount in USD will be converted to an equivalent commission in this other currency, in accordance with Zosxo's wholesale exchange rates in effect at that time and (As shown in the “Fees” section of the Website under “Currency Conversion Fees”, and then that fee will be deducted. We will not apply any foreign exchange fees to currency conversions of fees.
13.6. Commissions payable by you will be deducted from your Zosxo Account balance, and you hereby authorize us to do so. Transaction fees will be charged when the transaction is executed. If the balance of your Zosxo Account is insufficient to cover the commissions, we may refuse to make the payment. Cancellation or revocation fees will be deducted when incurred.
13.7. If, due to the deduction of commissions, your Zosxo Account has a negative balance, we will ask you to solve this situation by loading sufficient funds in your Zosxo Account. Failure to do so constitutes a breach of these Terms of Use. The negative balance must be credited immediately without prior notice. However, we reserve the right, at any time, to send you reminders or take other steps to collect the debt, including but not limited to hiring a debt collection agency or attorneys, or filing a lawsuit in court. We reserve the right to charge you for reasonable expenses that we incur in connection with any debt collection or enforcement activity.
14. Your data
14.1. You explicitly consent to us accessing, processing and retaining any information you provide to us in order to provide you with payment services. This does not affect our respective rights and obligations under data protection legislation. You can withdraw this consent by closing your Zosxo Account. If you withdraw your consent in this way, we will stop using your data for this purpose, but we may continue to process your data for other purposes where we have a legal basis to do so, such as in the case of our legal obligation to maintain transaction records.
14.2. The processing of your data is regulated by our Privacy Policy, which can be found on our Website.
15. Liability
15.1. In the event of an unauthorized payment or an incorrectly executed payment Due to an error on our part, we will refund the payment as soon as possible, including all deducted commissions. This will not apply:
15.1.1. In the event that the unauthorized payment is due to the fact that you have not kept the personalized security functions of your Zosxo Account secure in accordance with section 6 of these Terms of Use, in which case you will be responsible for the first $ 500 ( or the equivalent in the currency of your Zosxo Account), except where section 15.1.3 applies;
15.1.2. if you fail to notify us without undue delay of any loss of your password or other security features, or any other event that could reasonably have compromised the security of your $ 500 account once you become aware of such event, in which case you will be liable of losses incurred up to the time you notify us;
15.1.3. in the event that the transaction is not authorized but you have acted fraudulently or negligently endangered the security of your Zosxo Account, in which case you will bear all losses; or
15.1.4. if you do not question and report the unauthorized or incorrectly executed transaction to Zosxo within 13 months from the date of the transaction.
15.2. Unless you have acted fraudulently, section 15.1.1 will not apply to transactions made after you have notified us under section 6.2, when we have not provided you with the appropriate means of notification, or if we were required to use authentication. stronger customer base and we did not, in which case we will be responsible and refund any unauthorized transactions as soon as possible.
15.3. Notwithstanding the foregoing, you are requested to periodically and frequently check the transaction history of your Zosxo Account, and to immediately contact Customer Service in case of any questions or concerns.
15.4. In the event of any incorrect or misdirected payments, we will take reasonable steps to help you track and recover such payments.
15.5. Subject to everything indicated above, we will not be responsible for any interruption or impediment to our service, nor for interruptions or impediments to the services of intermediaries on which we rely to fulfill our obligations under this document, provided that said interruption or impediment is due to abnormal or unforeseeable circumstances, beyond our control or the control of the affected intermediary.
15.6. We will not be liable for any indirect or consequential losses, including, but not limited to, loss of profit, loss of business, or loss of reputation. We will not be liable for any loss arising from our compliance with legal and regulatory requirements.
15.7. Nothing in these Terms of Use may be applied to exclude liability for death or injury due to negligence, for fraud or misrepresentation, or for any legal liability that cannot be excluded or modified by agreement between the parties.
15.8. Our obligation under these Terms of Use is limited to providing you with an e-money account and related payment services, and does not imply any representation or warranty regarding the quality, safety or legality of any product or service provided by an intermediary or Zosxo customer.
15.9. We will not be responsible for the valuation or payment of taxes, levies or other charges that may arise from the use of the Zosxo Account or the services provided in these Terms of Use.
15.10. Refund. You agree to defend, reimburse or compensate, and exempt our company and the rest of the companies of our corporate group from any claim, demand, expenses or costs (including legal fees, fines or penalties) that we incur or that may affect us. and that have arisen due to a breach of these Terms of Use, of any applicable law or regulation or the use of the services made by you or by your agents. This provision will remain in effect after the termination of the relationship between you and us.
16. Cancellation and suspension
16.1. We may cancel your Zosxo Account or any payment service associated with it by means of a notification sent two months in advance. You can cancel your Zosxo Account with us at any time. Different cancellation provisions may apply if you use your Zosxo Account for business purposes, as indicated in section 4.7.
16.2. Together with a cancellation notice, or at any time thereafter, we may provide you with reasonable instructions to withdraw the remaining funds.
16.3. If your Zosxo Account is subject to a reservation, the cancellation of your Zosxo Account will not affect our right to retain said reservation and make deductions from it during the agreed period of time.
16.4. We may suspend or terminate your Zosxo Account at any time without prior notice if:
16.4.1. if you breach any of the conditions of these Terms of Use, or any other condition applicable to the specific services covered by other conditions;
16.4.2. violates, or we have reason to believe that you have violated, any laws or regulations applicable to your use of our services;
16.4.3. we have reason to believe that you are involved in any way in any fraudulent activity, money laundering, financing of terrorist activities, or other criminal activity;
16.4.4. if we have reason to believe that you are the owner of another Zosxo Account provided by us or one of our companies and that it has been used for any fraudulent activity, money laundering, terrorist financing or other criminal activity.
16.5. We may suspend your Zosxo Account at any time in the following cases:
16.5.1. if we have reasonable grounds to believe that your Zosxo Account has been compromised, or for any other security reason; or
16.5.2. if we have reasonable grounds to suspect that your Zosxo Account has been or is being used without your authorization or fraudulently; and we will notify you of the suspension before it is carried out or, if prior notification is not possible under the circumstances, we will notify you as soon as possible after the suspension, unless we are prohibited by law from giving such notification.
17. Changes to these Terms of Use
17.1. These Terms of Use, as well as any additional conditions that may apply, are subject to change. The changes will be applied without prior notice from us, in accordance with the procedure established in this section.
17.2. We will notify you of any proposed changes through an email message sent to the primary address registered with your Zosxo Account.
17.3. The proposed change will become effective two (2) months after the date the notice of the change is deemed received under section 18.1, unless you notify us that you are against the proposed changes before they take effect. Changes that make these Terms of Use more favorable to you will take effect immediately, if so indicated in the change notice. Changes in exchange rates will take effect immediately, without prior notice, and you will not have the right to object to such change.
17.4. If you object to the changes, they will not apply to you. However, any objection will constitute a notification on your part of cancellation and closure of your Zosxo Account. Your Zosxo Account will be closed in accordance with the provisions of section 7.
18. Communication mode
18.1. We will normally contact you by email. For this purpose, you must keep at least one valid email address in your Zosxo Account profile at all times. You should check your incoming messages regularly and frequently. Email messages may contain links to other communications on our Website. Any communication or notification sent by email will be considered received by you on the same day if it is received in your inbox before 4:30 p.m. on a Business Day. If it is received in your inbox after 4:30 PM on a Business Day or at any other time, it will be deemed received on the following Business Day.
18.2. When the legislation requires us to provide you with information in a permanent medium, we will send you an email message (with or without attached documents), or we will send you a notification indicating information on our Website, so that you can keep the information in print or elsewhere. format that you can keep permanently for future reference. We recommend that you keep copies of all communications that we send you or that we make available to you.
18.3. You can request a copy of the current Terms of Use or any other contractual document that is relevant to you by contacting Customer Service.
18.4. To view email messages, you will need a computer with email software that can display messages in HTML format. We can also send you Adobe Systems Inc. Portable Document Format (PDF) attachments, so you will need Adobe's Acrobat Reader, which you can download for free from the Adobe website.
18.5. We will never send you emails with attached executable files or links to executable files. If you receive an email with attachments of this type, you must delete the message without clicking the attachment. If you are not sure whether a communication is coming from us, please contact Customer Service.
18.6. We will communicate with you in English and we will always accept communications that come to us in English. You can choose your preferred language from the list of languages available in your Zosxo Account profile and we will send you automatic email communications and notifications regarding changes to these Terms of Use in the language you have chosen. Regarding non-standard communication, we reserve the right to communicate with you in English. Documents or communications in any other language are for your convenience only and will not constitute any obligation on our part to continue to send communications in that language in the future.
18.7. In addition to communicating by email, we may contact you by mail or telephone, where appropriate. If you use any mobile phone service, we may contact you by SMS. Any communication or notification sent by postal mail will be considered received three days after the date of postage within the United States or five days in the case of an international destination. Any communication or notification sent by SMS will be considered received the same day.
18.8. You can contact us at any time by sending a message to Customer Service, through the "Assistance" function zosxoinfo@gmail.com
19. Claims
19.1. Any complaint about us or the services we provide should be sent to us in the first instance through Customer Service. You must clearly state that you want to make a complaint to us. This will help us distinguish a complaint from a simple inquiry. We will confirm receipt of the complaint by post or email within 72 hours, in accordance with our complaint procedure. A copy of our complaints procedure is available here.
19.2. We endeavor to provide a response or solution to complaints within the stipulated timeframes. In the event that this is not possible due to unforeseen circumstances or lack of information, we will contact you.
19.3. If your claim is not solved to your satisfaction, you can consult more contact information at zosxoinfo@gmail.com
20. Various
20.1. No one other than you shall have any rights under these Terms of Use and the provisions of the Contracts (Third Party Rights) Act 1999 are expressly excluded.
20.2. Your Zosxo Account is personal and you may not assign any rights under the Terms of Use to any third party.
20.3. Your Zosxo Account is operated in the USA and these Terms of Use shall be governed by and construed in accordance with the laws of the United States of America. Any dispute under these Terms of Use or otherwise related to your Zosxo Account will be resolved exclusively in the courts of Miami Florida of the United States of America.