Terms & Conditions for EEA Customers

These Terms and Conditions govern the relationship between you, Tencent Technologies PTE Ltd (referred to henceforth as “Zeux”, “us”, “we”, “our”) and its partners, by using the Zeux mobile application and/or website you consent to them.

  1. Who we are and how to contact us

    1.1  These terms and conditions (the “Terms and Conditions”) set out your legal rights and responsibilities, our legal rights and responsibilities and certain key information required by law.
    1.2 In EEA, Zeux (“Zeux”) is a mobile platform operated by Tencent Technologies PTE Ltd, a company registered in Singapore under UEN: 201827681D, with Registered Office at 9 Temasek Boulevard #04-02 Suntec tower Two, Singapore (038989)
    1.3  To contact us, please email support@zeux.com

  2. Our Service

    2.1.  Our service allows us to provide a consolidated view of your financial and transaction data along with systems to manage your personal finances and initiate payment services. Further details can be found on our site and in these terms and conditions
    2.2.  By using our service, you confirm that you accept these terms and that you agree to comply with them
    2.3.  If you do not agree to these terms, you must not use our service
    2.4.  You shall not impersonate any other person or create a false identity in connection with your use of our service
    2.5.  You may only hold one account with us at a time
    2.6.  These terms and conditions are available at https://www.zeux.com/terms-conditions-eea
    You may also request a copy of these terms and conditions at any time

  3. There are other terms that may apply to you

    3.1 The following additional terms also apply to your use of our service:
    3.1.1  Our Privacy Policy,https://www.zeux.com/privacy-policy-eea sets out the terms by which we process any personal data we collect from you, or that you provide to us. By using our service, you consent to such processing of personal data, and you warrant that all data provided to us by you is honest and accurate
    3.1.2  Our Cookie Policy https://www.zeux.com/privacy-policy-eea sets out information about the cookies on our service

  4. We may make changes to these terms

    4.1  We amend these terms from time to time. It is recommended that every time you wish to use our service, it is your responsibility to check for any amendments to these terms

  5. We may make changes to our service

    5.1  Zeux’s website and product is constantly being updated, upgraded and may release new features in order to comply with the law and to provide a better service for our customers
    5.2  You acknowledge and agree that we may update and change our service offering from time to time

  6. We may suspend or withdraw our service

    6.1  Our service is made available free of charge on an “as is” basis
    6.2  We do not guarantee that our service, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our service for business and operational reasons at any time without notice

  7. Cardholder

    8.1. The following terms and conditions apply to any holder of this card (“virtual card”, “the card”). By using your card you are accepting responsibility and your agreement to these terms and conditions.
    8.2. The card is issued on behalf of Tencent Technologies PTE Ltd by SwapX Limited, a company incorporated in England and Wales under registration number 09829039 the registered office of 3 New Mill Court, Swansea Enterprise Park, Swansea, SA7 9FG.

  8. Use of the Card

    8.1.  The card is a prepaid card which can be used to pay for goods and services at participating retailers which accepts Mastercard card.
    8.2.  To use the card:

      8.2.1.  In-store
    8.2.1.1.  Present your physical card, if you have one, at the time of payment. Use it in full or part payment of your purchase

      8.2.2.  Online and via Telephone
    8.2.2.1.  Use the card information shown on your physical card. Use it in full or part payment of your purchase
    8.3.  Once simplified due diligence information has been provided, the card may be created, activated, loaded and spent. This is subject to strict spending limits under EU regulation until full due diligence is complete. We may require further information as set out in condition 16. Once these checks are passed, spending limits may be lifted.
    8.4.  We will not charge you fees to load your Card when using a credit or debit card unless we are permitted to do so. If we are permitted to do so, the fees we shall charge for you to load your Card using a credit or debit card shall not exceed the costs we incur in doing so
    8.5.  You must not make purchases that exceed the balance of funds available on the card (“account balance”). Your account balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the card limits in force from time to time and set out in condition 12 the transaction may be declined
    8.6.  You can use the card to make purchases in-store, via the internet or over the phone. The card is a prepaid card and not a debit card supported by a bank account, and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card
    8.7.  You must not use the card for:
    8.7.1.  Transactions for cash back, bank, money orders, or any illegal purposes
    8.8  We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any merchant to honour the card

    8.9.  Card Limits
    The limits outlined below are set for using the Zeux payment card:
    8.9.1.  Maximum single load limit: £10,000
    8.9.2.  Maximum monthly load limit: £20,000
    8.9.3.  Maximum yearly load limit: £40,000
    8.9.4.  Maximum yearly spend limit: £10,000
    8.9.5.  Maximum balance on card at any time: £10,000
    8.9.6.  We reserve the right to review all customer card transactions and limits. Any card that has been consequently found to have exceeded its limit may:
    8.9.6.1.  Be refunded the difference that exceeds their card limit and the card balance shall then be adjusted in accordance
    8.9.6.2.  Have their card frozen
    8.9.6.3.  If found to be suspicious or associated with illegal activity, have their card frozen and account suspended

  9. Expiry of the card

    9.1.  The card’s expiry date is displayed on the card. You must not use the card after its expiry date and you will not be able to reload it
    9.2.  If you have used your card in the period of two weeks before its expiry date we will inform you that we will automatically transfer the outstanding balance to a new card. You must tell us if you do not want your card to be renewed. To do this, contact us by sending an email to support@zeux.com
    9.3.  If you renew your card in the circumstances described in 10.2 this agreement will continue to apply
    9.4.  If you request that your card is not renewed or do not request a replacement, you will not be able to use your card after its expiry date. Any outstanding balance that remains on the card at expiry will remain in your Zeux account

  10. Accounts

    10.1.  By agreeing to our service, we will issue you with an e-money account via our Partner, Modulr Finance Limited (Modulr FS), an FCA authorised Electronic Money Institution (FRN 900573), a company registered in England and Wales under company number 09897957, with Registered Office at 1 Hammersmith Broadway, London, United Kingdom, W6 9DL on successful KYC (Know Your Customer) verification of your identification
    10.2.  This Account will be opened in your legal name that you have provided on registration and we will issue a unique account number to you.
    10.3.  You may use this Account to receive bank transfers and can make payments out to external bank accounts via Faster Payments
    10.4.  Note: The Financial Services Compensation Scheme is not applicable for this Account. No other compensation schemes exist to cover losses claimed in connection with your Account. Modulr FS, as a responsible e-money issuer, will ensure that once they have received your funds they are deposited in a safeguarded account, specifically for the purpose of redeeming Transactions made from your Account. In the event that Modulr FS, become insolvent, funds that you have loaded which have arrived with and been deposited by us are protected against the claims made by creditors.
    10.5.  By using our service, you may authorise Zeux, on your behalf, to access your bank account(s) via the Open Banking initiative (PSD2). More information about Open Banking can be viewed at https://www.openbanking.org.uk/
    10.6.  By using our service, you authorise us, on your behalf, to access your account(s) held with third party service providers
    10.7.  With access, Zeux will be able to analyse your transactions, display account balance information and to add/withdraw funds directly on your behalf from your bank account(s)
    10.8.  We may need to verify your identity or for you to provide us with other information from time to time in relation to your account. If you do not wish to share this information with us then we may, at our discretion, suspend or cancel your account
    10.9.  If you or we terminate your Zeux account we will permanently and securely delete all of your personally identifiable information including bank and credit card details. If you would like to delete your Zeux account, please send an email to support@zeux.com with the subject line “User cancellation of account” with your account details and reason for your cancellation. To ensure the cancellation request is genuine we will need to verify your identity
    10.10.  If we suspect that the request is fraudulent, all details including email address, ip address may be handed to the local enforcement authority for further investigation
    10.11.  Zeux’s tracking tools notify you of events that occur within your transaction data to help you keep informed, notified, and on top of your finances
    10.12.  We do not recommend, endorse or provide advice in relation to third party products or services. However, we do make information available on our platform regarding third party products and we do provide links to third party sites where relevant
    10.13.  Although we make reasonable efforts to update the information on our service, we make no representations, warranties or guarantees, whether express or implied, that the content on our service is accurate, complete or up to date
    10.14.  Where our service contains links to other sites, services and resources provided by third parties, these links are provided for your information only. We have no control over, and are not responsible for, the provision of those products, services or resources
    10.15.  If you do choose to register or purchase from third party sites, you will be bound by the terms and conditions of the relevant third party site

  11. Payments

    11.1.  In order to be able to make payments, you must have enough money in your account. However, there may be some transactions made in which will take your account balance below zero and into a negative value. If this does happen, you will receive a notification and be able to view this on your account. You will be unable to make further payments until additional funds have been added making the account balance a positive value
    11.2.  We may block your payments for any of the following reasons:
    11.2.1.  Your payment instructions are unclear
    11.2.2.  We suspect that your account is being used for criminal activity
    11.2.3.  The recipient of the payment does not have the correct credentials to receive payment
    11.2.4.  You do not have enough money in your account
    11.2.5.  If we block a payment, we will notify you as soon as possible
    11.3.  Payment via funds converted from cryptocurrency
    11.3.1  Note: The fund conversion from cryptocurrency to fiat currency is not a regulated activity authorised by the EBA
    11.3.2  In order to make purchases via funds converted from cryptocurrency, cryptocurrency will need to be sent to the unique wallet address created for you in your Zeux account
    11.3.3  The wallet address is unique to you and may be used to store, send and receive cryptocurrency
    11.3.4  Depending on the region and status, each customer will have a unique crypto wallet created for them. The following cryptocurrencies are supported:
    Bitcoin (BTC)
    Ethereum (ETH)
    Bitcoin SV (BSV / BCHSV)
    Qtum tokens (QTUM)
    IOTA tokens (MIOTA)
    NEO tokens (NEO)
    VeChain token (VET)
    Tether (USDT)
    Ontology (ONT)
    Bitcoin Cash (BCH)
    USD Coin (USDC)
    Zeuxcoin (ZUC)

    12.3.5  Zeux Technology Ltd with the registered office of which is Craigmuir Chambers, Road Town, Tortola, VG 1110, British Virgin Islands provides the management of the unique wallet addresses for each customer and the crypto custodian agent for all the cryptocurrency asset of the customers. Tencent does not hold customers’ crypto asset directly.
    12.3.6  To make payment the following need to be adhered:
    12.3.6.1.  Default currency within the Zeux application settings will need to be set as your preferred cryptocurrency. Without setting, the default “default currency” will be your home fiat currency, ie GBP or EUR.
    12.3.6.2.  In accordance to the card limits set by Mastercard, at the time customers pressing the button “Convert and Pay”, all the outstanding balance of the customer’s default cryptocurrency in your wallet will be converted to fiat fund.
    12.3.6.3.  After pressing ‘Convert & Pay’ the customer will see a timer that will allow a 30 second payment period to make payment using converted funds at a Fiat POS terminal that accepts Mastercard.
    12.3.6.4  At the end of the 30 second payment period the total sum of amount spent during the period will be calculated. All remaining Fiat currency from the funds converted from cryptocurrency will automatically converted back to the same cryptocurrency at the same conversion rate used at the beginning of payment period.
    12.3.6.5  If the total amount spent during the 30 second payment period is more than the available funds converted from their cryptocurrency, any outstanding amount due after calculation will be automatically deducted from their fiat balance. If not enough fiat funds are available then the transaction may be declined.
    12.3.7  There will be no fee, commission or gas charged to customers. For avoidance of doubt, if the customer decides not to make any purchases during the payment period, the same amount of cryptocurrency converted to fiat funds at the beginning of the payment period will be converted back to cryptocurrency.

  12. Foreign currency transactions

    12.1.  The card can be used for transactions that are not in the currency of the card
    12.2.  If you make a transaction in a currency other than the currency of the card, we will change the amount into the currency of the card at the current card scheme rate
    12.3.  Exchange rates may change, and the exchange rate that applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction and deduct it from your balance.

  13. Top-Up

    13.1.  You can add money to your Zeux account via the following methods:

    13.2.  Via Debit Card
    13.2.1.  Entering your debit card details which will stored for your convenience for the next use
    13.2.2.  The debit card can be removed from your account at anytime within the Zeux app
    13.2.3.  In order to process your debit card transaction we use the services of: Wirecard Card Solutions Ltd, Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne, NE1 6JQ. UK

    13.3.Via Bank Account
    13.3.1.  With your permission we are able to make a payment instruction on your behalf to transfer funds from your bank account into your Zeux account using Open Banking.
    13.3.2.  During this process you will be directed to your bank’s secure portal whereby you will log in using your secure bank login and give consent
    13.3.3.  This consent will expire after a duration of 90 days, after which we are required to ask for your consent again

  14. Cashback

    14.1.  From time to time we may offer Cashback to our customers, if this applies, please see the Zeux Cashback terms and conditions in Annex 1.0

  15. Investment Products

    15.1.  Suitability of Products
    15.1.1.  The products displayed on our platform are not provided by us but by third parties over whom we do not have control.
    15.1.2.  You should always check the suitability, adequacy and appropriateness of the product that is of interest to you. It is your responsibility to satisfy yourself that you wish to obtain any product before applying for it. If you are in any doubt as to the suitability, adequacy or appropriateness of any product referred to on our platform, we suggest that you seek independent professional advice before you obtain it.
    15.1.3.  Zeux provides information on a wide range of products and services but there may be other products or services available on the market which are not shown
    15.1.4.  Please also be aware that once you have identified investments that are of interest to you, we will arrange and introduce you you to the investment provider with whom you may then decide to complete the purchase. If you decide to proceed with your purchase of an investment product you will do so only with that person and you will not enter into any contract with us. We will not hold or handle client money in respect of any product or service selected by you when using our platform.
    15.1.5.  For clarity, Zeux does not offer any financial advice
    15.1.6.  Please be aware that the value of investments can fall as well as rise, and that you may not get back the full amount invested. Your investment is not guaranteed and the price of investments will depend on fluctuations in the financial markets, which are outside our control. Inflation may reduce the value of your investments over time. Past performance is not a guide to future performance.
    15.2.  Third party provider and services
    15.2.1.  Your acquirement of any products will be subject to the provider’s own terms and conditions (which will be different from ours). It is very important before you apply for any product that you carefully read the accompanying terms and conditions, the provider’s terms and conditions and any other documentation that applies to the product. You must familiarise yourself with all the details of the product, for example:
    The interest rate, minimum deposit, any early redemption charges, restrictions, exclusions, conditions and obligations which apply to the product;
    15.2.2.  Any links to third party websites on our platform or in our emails are provided for your interest and convenience only. These websites are owned and operated by third parties over whom we do not have control. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise).
    15.2.3.  We aim to ensure that the material on the platform or website (excluding, if applicable, any user generated content) is accurate. We also try to correct any errors or omissions as soon as we can after being notified of them. However, we are not able to guarantee that the material on the platform is free from errors or omissions at all times. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on the platform, website at any time and without notice.
    15.2.4.  Nothing on the platform or website is financial, investment or other advice or a recommendation or endorsement by us in respect of any investment product. Information is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the product that you feel is most appropriate to meet your needs.
    15.2.5.  The information and descriptions of products on the platform may not represent the complete descriptions of all the features and terms and conditions of those products. You must ensure that you carefully read all the features and terms and conditions (including those contained on the provider’s Site) of any product before applying for it.
    15.2.6.  We have categorised the funds depending on the level of risk we believe those funds involve and the process by which we do this and the different levels of risk are explained on the platform. The funds described on the platform will invest in a wide range of investments, including other funds, and the performance of the funds (including any income you may receive) is not guaranteed. The performance of the funds will depend on many factors, including the performance of underlying investments selected by the fund managers. Some funds may involve exposure to investments in emerging markets, smaller companies and/or exposures to different currencies which may involve greater risk to the value of your investment. You should consider fully all information provided by the fund about the risks that particular products may involve.
    15.2.7.  We are not responsible for, and we accept no liability in connection with, any act, omission, error or default by any investment product or any other third party in the provision of any product or service, or the execution of, or any investment made by you. The provider of the product or service that you wish to purchase should provide you with all required information regarding the product or service as part of the process by which you make a purchase. This will include information on charges and expenses relevant to the product or service and the possible effect of those charges on the value of your investment over time. You should contact them directly should you require any further information about the product or service they offer. You accept that in doing so we have not and will not provide you with any advice or make any recommendation in connection with any product or service on the platform (including as to its suitability, adequacy or appropriateness for you or for any other person). Information on the platform is provided for general information purposes only and is provided to assist you to consider whether the product or service may be appropriate for your needs.

  16. You must keep your account details safe

    16.1.  If you choose, or you are provided with, a personal identification number, user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any other person.
    16.2.  We have the right to disable any personal identification number, user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
    16.3.  If you know or suspect that anyone other than you knows your personal identification number, user identification code or password, or has accessed your account, you must promptly notify us at support@zeux.com

  17. Liability

    17.1.  If your mobile phone is lost or stolen, email us immediately at support@zeux.com so that we can freeze your card
    17.2.  If your card is lost or stolen, immediately login to your zeux app and click “freeze account” so that we can freeze your card
    17.3.  Regain access by following the instructions by clicking “unfreeze account” in the Zeux app.
    17.4.  If someone else finds out the PIN or if you think your card, card number or PIN may be misused, you must;
    17.4.1.  Without undue delay, freeze your card via the Zeux app or email support@zeux.com
    17.4.2.  If you do not have access to the mobile application you can:
    17.4.2.1.  Email us immediately at support@zeux.com so that we can freeze your card
    17.4.2.2.  Regain access by downloading the Zeux application on another mobile phone and follow the steps to ‘Forgot your PIN?’. Note this will send a security code to the new phone and reassigned the account to the new phone number.
    17.5.  You may not be liable for any use of the card, card number, PIN or mobile application by another person who does not have your permission to use it or if it is lost, stolen or destroyed, unless:
    17.5.1.  You agreed to that person having your card, card number, PIN or mobile application credentials, or through gross negligence or carelessness, failed to comply with condition 14, in which case you may be liable for any use that occurs before you tell us in accordance with these terms and conditions
    17.5.2.  You acted fraudulently then, to the extent permitted by law, you may be liable for misuse of the card, card number, PIN or mobile application.
    17.6.  If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to local law enforcement authority any information which we reasonably believe may be relevant.
    17.7.  We will not be liable for:
    17.7.1.  Any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service
    17.7.2.  Any delays in transactions, deterioration of functionality, due to the loss of internet or data connections that prevent the Zeux mobile application was working as intended
    17.8.  In the event of termination of payment services,
    17.8.1.  Zeux will not have any transactions to complete upon termination of the payment services as the PISP service is a facilitator for the payment to be made. The transaction is performed by the customers’ bank to the merchants account. Similarly, AISPs, by definition, do not perform transactions, as such there is no transactions to be completed upon termination of payment services
    17.8.2.  Zeux will terminate all contracts with Merchants, in line with the agreement in place, following the terminations of the firms’ payment service. It will notify all users of the closure of the payment service via the contact details provided
    17.9.  In case of errors or disputes about transactions, please contact us at support@zeux.com

  18. Your information

    18.1.  All users who register for our service, we are required to verify their identity (KYC)
    18.2.  We will verify your identity via our partner LexisNexis RIsk Solutions UK Limited, a company incorporated in England and Wales under registration number 07416642 the registered office of which is 1st Floor 80 Moorbridge Road, Maidenhead, Berkshire, SL6 8BW
    18.3.  We will search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out full credit reference checks or credit scoring for this purpose. We will use an automated decision-making system to assess your application and verify your identity
    18.4.  If we are unable to verify your identity adequately, we may ask you to provide some documentary evidence to help confirm your identity and address
    18.5.  Credit reference agencies may check the details you supply against any particulars on any database (public or otherwise) to which they have access. An unrecorded enquiry will be made. An unrecorded enquiry is a search that was not made for lending purposes. It does not affect your credit rating or score when you apply for credit. It is not seen by other lenders. It is included on your credit report so you know the search was made but does not affect your credit rating, or score, when you apply for credit
    18.6.  If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information
    18.7.  The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas
    18.8.  For KYC purposes we may need to send your information securely to be processed in the US. All information is securely protected by the EU-US Privacy Shield Framework. You may read more information about it here: https://www.privacyshield.gov
    18.9.  Please contact us at support@zeux.com if you would like details of those credit reference and fraud prevention agencies. You have a legal right to these details
    18.10.  You have certain rights to receive a copy of any information we hold about you. Please contact us at support@zeux.com. We may charge you for this service
    18.11.  Some information held by credit reference and fraud prevention agencies will be disclosed to us and other organisations in order to prevent fraud and money laundering, by checking applications for credit, credit-related or other facilities, to verify your identity
    18.12.  The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998
    18.13.  When you have an agreement with us we may use the following types of information about you:
    18.13.1.  Information you give us or we already hold about you, including any phone number you call us from, which we may record
    18.13.2.  Information available about your usage or configuration of your mobile device, including the presence of other applications, unique device-identifying information, and any identifying cellular network, IP, wifi or bluetooth data
    18.13.3.  Information you give us explicit permission to access from your mobile device, including your contact list, photos, geo-location, data from your cameras or microphones (You may choose not to give permission to share this data, but it may restrict the usage of certain features of the mobile application)
    18.13.4.  Information from any social network or other online accounts that you choose to share with us
    18.13.5.  Information we receive when making a decision about your application or agreement, including information we receive from enquiries and searches made in your name with credit reference and fraud prevention agencies
    18.13.6.  Information (including details of payments and transactions) we may hold about any managed account or policy which you hold with or through us
    18.13.7.  Information we receive from anyone who is allowed to provide us with information about you
    18.14.  We will process, use, manage, control, release and record information about you to:
    18.14.1.  Search credit reference and fraud prevention agencies’ records (including information from overseas) to manage your account
    18.14.2.  Manage your accounts and policies, and manage any application, agreement or correspondence you may have with us
    18.14.3.  Carry out, monitor, analyse and improve our business
    18.14.4.  Contact you by post, by phone or email about other products and services which we consider may interest you, if you tell us that you to would like to receive marketing communications
    18.14.5.  Prevent fraud, money-laundering, terrorism and other crimes, and keep to any laws or regulations in any country
    18.15.  We may reveal information about you:
    18.15.1.  To any person working for us or our partners
    18.15.2.  To fraud prevention agencies
    18.15.3.  To any organisation which are responsible for any of our products which you hold
    18.15.4.  To any payment system under which we issue your card
    18.15.5.  If a payment is processed through a worldwide payment system, to certain authorities in order to detect and prevent terrorism (including authorities outside the UK)
    18.15.6.  To any person to whom we transfer any of our rights or obligations under any agreement we may have with you
    18.15.7.  To anyone you authorise us to give your information we hold about you to
    18.15.8.  Processing your information, as described above, may involve sending it to other countries outside of the EEA. In such circumstances we are responsible for making sure that your information continues to be protected
    18.16.  We will keep information about you for only as long as we need to or is required to meet legal obligations

  19. How you may use material on our site or provided in relation to our service

    29.1.  We are the owner or the licensee of all intellectual property rights in our service, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved
    29.2.  You may print off one copy, and may download extracts, of any page(s) from our service for your personal use and you may draw the attention of others within your organisation to content posted on our service
    29.3.  You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text
    29.4.  Our status (and that of any identified contributors) as the authors of content on our service must always be acknowledged
    29.5.  You must not use any part of the content on our service for commercial purposes without obtaining a licence to do so from us or our licensors
    29.6.  If you print off, copy or download any part of our service in breach of these terms of use, your right to use our service will cease immediately and you must, at our option, return or destroy any copies of the materials you have made
    29.7.  Save as expressly permitted by law, you must not reverse engineer or decompile any aspect of our service, including the technology and code associated with it. You can not impersonate any other person or create a false identity to use the service. Furthermore accessing our service through robots, scrapers or any other type of automation software is strictly prohibited
    29.8.  In the event that you are found to breach these terms of use and do not comply with our resolution, we will need to inform the local enforcement authority for assistance

  20. Do not rely on information on this service

    20.1.  The content of our service is provided for general information only and should not be relied upon as advice. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content of our service
    20.2.  Although we make reasonable efforts to update the information of our service, we make no representations, warranties or guarantees, whether express or implied, that the content of our service is accurate, complete or up to date

  21. Our responsibility for loss or damage suffered by you

    21.1.  We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation
    21.2.  You acknowledge that our service is provided free of charge and on an “as is” basis and that we are not liable to you for any loss of profit, loss of business or loss of opportunity or for any indirect or consequential losses (even if we or they were advised of the possibility that they might arise). We are not liable for the acts or omissions of any third parties.

  22. We are not responsible for viruses and you must not introduce them

    22.1.  Although we make best efforts to develop our software we do not guarantee that our service will be secure or free from bugs or viruses
    22.2.  You are responsible for configuring your information technology, computer programmes and platform to access our service. You should use your own virus protection software
    22.3.  You must not misuse our service by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our service, the server on which our service is stored or any server, computer or database connected to our service. You must not attack our service via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our service will cease immediately

  23. Rules about linking to our service

    23.1.  You may link to any page of our website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it
    23.2.  You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists
    23.3.  You must not establish a link to our service that is not owned by you
    23.4.  Our service must not be framed on any other service, nor may you create a link to any part of our service other than what is available on the Zeux website at that time
    23.5.  We reserve the right to withdraw linking permission without notice
    23.6.  The service in which you are linking from must:
    23.6.1.  Comply in all respects with the law
    23.6.2.  Not contain any content that incites hatred against, promotes discrimination of, or disparages an individual or group on the basis of their race or ethnic origin, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity or other characteristic that is associated with systemic discrimination or marginalisation
    23.6.3.  Not contain content that harasses, intimidates or bullies an individual or group of individuals
    23.6.4.  Not contain content that threatens or advocates for harm on oneself or others
    23.6.5.  Not contain content that seeks to exploit others

  24. How to cancel your account with us

    24.1.  You may cancel your account with us at any time by emailing us at support@zeux.com using the email address that you when you signed up to the service
    24.2.  Extended periods of inactivity may result in your account being cancelled or suspended

  25. Complaints handling process

    25.1.  If you would like to make a complaint about our service, you may do so by emailing support@zeux.com
    25.2.  To ensure this is correctly processed please clearly indicate by putting a prefix of “Complaint:” within the email subject line
    25.3.  We will acknowledge your complaint by email upon receipt and will subsequently investigate and send an initial response within 72 hours. We have in place a defined process for handling complaints, and we will keep you updated regarding the progress of the complaint at each stage of the process.

Annex 1.0

Zeux Cashback Terms and Conditions

These Terms and Conditions govern the Cashback programme (Programme) associated with your card account (Card Account) under which you earn cashback (Cashback). When you sign the agreement for your Card Account (your Card Account Agreement), you agree to be bound by these Terms and Conditions.

How do you earn Cashback?

You will earn Cashback for purchases on your Zeux Card Account. Subject to the other Terms and Conditions set out below and any promotional offer we make, you will earn Cashback at the rate of: 0.5% for all the purchases on your Zeux Card Account in the preceding 12 months. Cashback amounts earned will be rounded down to the nearest full pence. For example, if you make a purchase of £29.99, if Cashback is earned at the rate of 0.5% (0.5% of £29.99, i.e. 0.14995p, rounded down to the nearest full pence) 14p Cashback will accrue.

Which Card Account transactions do not earn Cashback?

No Cashback will be earned on:

– interest, fees (including default fees)

– peer transfers to your friends via Zeux

– any bank transfers out

– financial purchases such as topping up another financial account for spending, investment, trading or any other purposes

– gambling purchases

– any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Note that if Cashback is earned on a transaction that is later refunded, that Cashback will be lost.

How do we pay Cashback?

Unless we tell you otherwise (with advance notice), Cashback will be paid to you by crediting your Zeux Card Account, 12 months after your card registration date with the Cashback earned in the preceding 12 months, . Cashback is not redeemable for cash or a credit to your Card Account, except as set out in these Terms and Conditions.

When you might lose Cashback you have earned

We reserve the right to review all customer transactions, any transaction that has earned Cashback and consequently found to associated with transaction that do not earn Cashback in the above terms “Which Card Account transactions do not earn Cashback?, shall be deducted and the cashback balance shall be adjusted in accordance.

What happens if you close your Card Account?

If you close your Zeux Card Account you will lose the Cashback that has been earned but not yet been applied to your Card Account as a credit.

What happens if we close your Card Account?

If we close your Zeux Card Account in accordance with the Card Account Agreement, you will lose the Cashback that has been earned but not yet been applied to your Zeux Card Account as a credit.

Changes to these Terms and Conditions

We may change these Terms and Conditions, including the rate at which you earn Cashback, provided that we reasonably believe the overall benefits associated with your Zeux Card Account still represent good value and are competitively priced. We will give you at least 30 days’ notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by notification via the app, email or other form of electronic communication.

Withdrawing you from the Programme or ending the Programme

We will withdraw you from the Programme if we close your Zeux Card Account in accordance with the Card Account Agreement. We may also withdraw you from the Programme or end the Programme by giving you at least 30 days’ notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Zeux Card Account still represent good value and are competitively priced. This could include switching you to a different type of card Programme in accordance with the Zeux Card Account Agreement and/or replacing these Terms and Conditions with a new set of Terms and Conditions that provide and cover different benefits.

Fraud and Abuse of the Programme

If we have reasonable grounds to believe that you have engaged in any fraud or material abuse related to the Programme, such as seeking to obtain an advantage through unfair or deceptive means, we may take actions which we reasonably consider appropriate in the circumstances, and this may include withdrawing you from the Programme and/or closing your Card Account and/or forfeiting your Cashback.

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