Terms and Conditions

Document Version: 20260101.01

Effective Date: January 1, 2026 | Last Updated: January 1, 2026

1. Purpose of the Platform

ZawZos is a community coordination platform that supports trusted groups in organizing participation cycles, visibility, and communication.

2. Acceptance of These Terms

By accessing or using the platform, you confirm that you have read and accepted these terms and are at least 18 years old.

3. Nature of the Platform

The platform provides coordination and visibility tools only. It does not operate as a financial institution or payment intermediary.

4. Financial Arrangements Outside the Platform

All payments, contributions, and related arrangements are made directly between members outside the platform.

5. User Responsibility and Risk

Participation is at your own risk. Outcomes depend on member trust and behavior, and may be delayed or disrupted.

6. Group Formation, Administration, and Records

Groups are independently formed and managed by members. Group admins and members are responsible for records and accuracy.

7. Group Models and Descriptions

Group model descriptions are informational and do not represent guarantees, legal advice, or enforceable outcomes.

8. Advance Contributions and Risk Indicators

Risk indicators are informational. They do not guarantee completion or assess legal compliance of member behavior.

9. Ratings, Feedback, and Visibility

Member ratings reflect peer feedback and are not independently verified by ZawZos.

10. Prohibited Use

Users must not use the platform for unlawful activity, including fraud, money laundering, sanctions evasion, or coercion.

11. Anti-Money Laundering and Regulatory Position

The platform is not a regulated financial institution and does not perform KYC/AML checks or transaction monitoring.

12. No Financial Promotion or Advice

Nothing on this platform constitutes financial, investment, legal, or tax advice.

13. Third-Party Links and Offers

Third-party offers are presented for informational and convenience purposes only. See Use of Third-Party Offers.

14. Data Protection and Retention

Data is processed under applicable laws. Records may be retained, archived, anonymized, or removed according to policy.

15. Limitation of Liability

To the fullest extent permitted by law, ZawZos is not liable for member-to-member financial outcomes, disputes, or indirect losses.

16. Termination, Complaints, and Governing Law

Users may stop using the platform at any time. Governing law and jurisdiction: England and Wales.

17. Final Acknowledgement

By using the platform, you acknowledge that it is a coordination tool and that financial and operational risk remains with participating members.