This agreement is a legally binding contract. It may change as our business changes, and you agree you will review it and any updates regularly.Binding Agreement.
These Terms constitute a binding agreement between you and Zipmark, Inc. and its affiliates, Zipmark.com, and Zipmark’s mobile application (“Zipmark”). “You” and “users” shall mean all visitors to the Zipmark Service. You accept these Terms each time you access the Zipmark Service. If you do not accept these Terms, you must not use the Zipmark Service.Revisions to Terms.
Zipmark may revise these Terms at any time by posting an updated version to this web page. You should visit this page periodically to review the most current Terms because you are bound by them. Your continued use of the Zipmark Service after a change to these Terms constitutes your binding acceptance of these Terms.Questions
All questions about transactions made using the Zipmark Service must be directed to Zipmark and not the bank where you have your bank account. Zipmark is responsible for the Zipmark Service and for resolving any errors as a result of using the Zipmark Service.Children.
No part of the Zipmark Service is directed to persons under the age of 13. IF YOU ARE UNDER 13 YEARS OF AGE, PLEASE DO NOT USE OR ACCESS The Zipmark Service AT ANY TIME OR IN ANY MANNER. If you are under 18 years of age, you represent and agree that you possess the legal consent of your parent or guardian to access and use the Zipmark Service.
The terms "post" or "posting" as used in these Terms shall mean the act of submitting, uploading, publishing, displaying, or similar action on the Zipmark Service.
The Zipmark Service is defined as any website, mobile application, or Internet service under Zipmark’s control, whether partial or otherwise, in connection with providing the services provided by Zipmark. The Zipmark Service provides a platform for users to make payments to merchants and billers registered with Zipmark for specific invoices that are produced using the Zipmark Service. Zipmark is not a bank as defined in these Terms.Biller.
You are a biller when you use the Zipmark Service to create invoices and request payments from bill payers.Bill Payer.
You are a bill payer when you use the Zipmark Service to pay an invoice. You may pay the invoice with funds directly from your existing bank account using the Zipmark Service.Bank.
A "bank" is a federal- or state-chartered bank, thrift, or other chartered depository institution.Payment.
When you use the Zipmark Service to make a payment, you are requesting an electronic transfer from your bank account. Zipmark will make electronic transfers via the Automated Clearing House (“ACH”) from your bank account in the amount you specify. You agree that such requests constitute your authorization to Zipmark to make the transfers. Once you have provided your authorization for the transfer, you will not be able to change or cancel it.
When you use the Zipmark Service to create an invoice and request payment, you direct Zipmark to transfer all funds, less applicable fees, via ACH to the bank account you associated with your Zipmark account.
You are responsible for confirming the accuracy of the information you provide about each payment, including the amount of the transaction.
All payments are in U.S. dollars.Timing.
Zipmark will make reasonable efforts to ensure payments are processed in a timely manner. However, we make no representations or warranties regarding the amount of time needed to complete processing, because the Zipmark Service depends on many factors outside of our control, such as delays in the banking system.Payment Amount Transfer Limits.
You are limited to transferring the amount due on a specific invoice or bill.Multiple Bank Accounts.
You may link multiple bank accounts to your Zipmark account; however, you must pay an invoice in full from one account.Taxes.
It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report, and remit the correct tax to the appropriate tax authority. Zipmark is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting, or remitting any taxes arising from any transaction.Fees.
Zipmark may charge a fee for a biller to post an invoice using the Zipmark Service. The biller may, at its discretion, include a processing fee in the total invoice amount. You are responsible for any charges or fees that may be imposed by your bank under its terms and conditions as a result of using the Zipmark Service.Physical Check or Draft.
All transactions are processed electronically. Zipmark will not issue physical checks.Zipmark is not Your Agent.
The Zipmark Service is a platform that helps you create and pay invoices. Zipmark is not your agent for any purpose.
To create an account, you must provide sufficient information to associate your Zipmark account to a valid bank account.Bank Account in Good Standing.
You authorize Zipmark to disclose your Personal Information, including your bank account numbers, to third parties to confirm that your bank account is in good standing.Identity Authentication.
You authorize Zipmark, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address, ordering a credit report, or verifying your information against third-party databases or through other sources. Your refusal to cooperate in an investigation or provide confirmation of your identity or any information you provide to us is a breach of these Terms and grounds for account termination. If Zipmark cannot verify your identity, Zipmark may not be able to allow you to use the Zipmark Service.Credit Report Authorization.
You also authorize that Zipmark may, from time to time, use third parties to evaluate your background for continued use of the Zipmark Service.Rights to the Bank Account.
When you associate your bank account with the Zipmark Service, you are affirming that you have all necessary rights and authority to obtain funds from that bank account. Zipmark does not have control over or liability for your bank deposits.Bank Terms and Conditions.
Your agreement with your bank and applicable law governs the availability of funds in your bank account. Payments are subject to these Terms and your bank’s terms and conditions.Permitted Bank Accounts.
The bank account you attempt to associate with the Zipmark Service must be from a bank as defined above and must be accessible through the ACH system. Most checking accounts are accessible via the ACH system.
You authorize Zipmark to credit or debit your bank account to correct any transfer errors.Transaction Review.
We reserve the right to delay or reject a transaction for any purpose.Insufficient Funds.
If your bank account has insufficient funds to make the entire requested payment, the Zipmark Service will cancel the payment rather than overdraw on your account. You will not be charged an overdraft fee. Zipmark will notify you of the cancelled transaction and request that you fix the problem by placing the proper monetary amount in your bank account and re-submitting the transaction for payment. If you do not make the payment as requested, we will refer the transaction to a debt collection agency.Processing Delay.
One you post an invoice and the bill payer has initiated a payment, you may not delay or refuse payment.Bank Refuses To Accept Funds.
If your bank refuses to accept funds, the transaction is cancelled.Payment Reversals.
We do not perform payment reversals. You must contact the biller to initiate a reverse transaction if a payment was made in error.
An “Unauthorized Transaction” is a type of error that occurs when a payment is made from your bank account using the Zipmark Service that you did not authorize and that did not benefit you. For example, an Unauthorized Transaction has occurred when someone steals your Zipmark Service password and uses the password to access your account and make a payment. On the other hand, if you give someone access to your account (by giving them your login information) and that person makes payments without your knowledge or permission, you are responsible for that use.Lost Mobile Device.
If you lose your mobile device or have it stolen, you should immediately log into the Zipmark Service using the Internet and click the link for “Lost Phone.”Investigation.
If an Unauthorized Transaction has occurred, your dispute is with the biller that received the funds. We will provide you with the biller’s contact information so you can initiate the dispute with the biller. You should also inform your bank of the unauthorized check.
You should regularly log into the Zipmark Service and review your bank statements and review your payment history to identify any Unauthorized Transactions.Other Errors.
Other Errors that are covered by Zipmark are limited to the following events:
Zipmark may communicate with you by email, text message, or posting notice on the Zipmark Service. You may request that we provide notice of security breaches in writing.
If you use the Zipmark Service to send text messages to other users, you agree to abide by all laws and
You agree to receive email from us at the email address you provided to us for informational, marketing, or operational purposes, such as billing, account management, or system maintenance. You may opt out of marketing communications.Electronic Notices.
You agree to receive information and disclosures regarding the Zipmark Service electronically through the Zipmark Service and via email, and you confirm that you will download or print any disclosures for your records. You may withdraw your consent by contacting us at email@example.com, but you will no longer be able to use the Zipmark Service.
If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Zipmark Service or sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please write to us at firstname.lastname@example.org.Text Messages from Zipmark.
By providing Zipmark your mobile telephone number, you consent to receive text messages at that number from us about your use of the Zipmark Service. You may turn off this feature in two ways. You may change your preference using the Zipmark Service. You may also text STOP in reply to a text message received from the Zipmark Service. Zipmark does not charge a fee for text messages, however, standard messaging, data, and other fees may be charged by your wireless service carrier.
We send and receive text messages through cellular telephone operators or other networks, and the level of reliability may vary. Zipmark is not responsible for the timeliness or final delivery of the message, as this is out of our control and is the responsibility of the cellular telephone operator or other networks.Sending Text Messages Using the Zipmark Service.
You may use the Zipmark Service to send a text message to other Zipmark Service users you know to invite them make a payment using the Zipmark Service. You acknowledge and agree that you will send messages only to individuals who have given you their express permission to be contacted.
You agree to abide by all applicable local, state, national, and international laws and regulations and are solely responsible for all acts or omissions that occur under your account, including without limitation the content of the text messages transmitted through the Zipmark Service. Without limiting the foregoing, you agree to familiarize yourself with the legalities of any messages transmitted through the Zipmark Service by visiting the following websites:
You agree that your use of the Zipmark Service shall not include sending unsolicited marketing messages or broadcasts (i.e. spam). Zipmark will utilize any means possible to block spammers and abusers from using the Zipmark Service. If you believe spam originated from the Zipmark Service, please email us immediately at email@example.com
Zipmark owns all of the content we create, but you may use it while you use the Zipmark Service. You cannot use our logo without our written permission.
The contents of the Zipmark Service include: designs, text, graphics, images, video, information, logos, button icons, software, audio files, computer code, and other Zipmark content (collectively, “Zipmark Content”). All Zipmark Content and the compilation (meaning the collection, arrangement, and assembly) of all Zipmark Content are the property of Zipmark or its licensors and are protected by copyright, trademark, and other laws.License to You.
Zipmark authorizes you, subject to these Terms, to access and use the Zipmark Service and the Zipmark Content solely for the use of Zipmark’s services, at Zipmark’s discretion. Any other use is expressly prohibited. This license is revocable at any time without notice and with or without cause. Unauthorized use of the Zipmark Content may violate copyright, trademark, and applicable communications regulations and statutes and is strictly prohibited. You must preserve all copyright, trademarks, service marks, and other proprietary notices contained in the original Zipmark Content on any copy you make of the Zipmark Content.Zipmark Marks.
Zipmark, the Zipmark logo, and other Zipmark logos and product and service names are or may be trademarks of Zipmark (the “Zipmark Marks”). Without Zipmark’s prior written permission, and except as solely enabled by any link as provided by Zipmark, you agree not to display or use in any manner the Zipmark Marks.
Don’t send us your great ideas for a new business or functionality. If you do, we can use them without compensating you.
Zipmark appreciates hearing from its users and welcomes your comments regarding the Zipmark Service. Please be advised, however, that Zipmark does not accept or consider creative ideas, suggestions, inventions, or materials (“creative ideas”) other than those which we have specifically requested. While Zipmark values your feedback on its services, please be specific in your comments and do not submit creative ideas. If, despite this request, you send Zipmark creative ideas, Zipmark
Zipmark does not represent or guarantee the truthfulness, accuracy, or reliability of content, including invoices, posted by users (“User Content”), including merchants or third-party service providers, or any other communications posted by users. You accept that any reliance on material posted by other users or third-party service providers will be at your own risk.
Don’t do bad things with the Zipmark Service, try to break it, or steal our hard work.
You agree to use the Zipmark Service only for its intended purpose. You must use the Zipmark Service in compliance with all privacy, data protection, intellectual property, and other applicable laws. The following uses of the Zipmark Service are prohibited. You may not:
You are responsible for maintaining the confidentially of your log-in credentials and are fully responsible for all activities that occur through the use of your credentials. You agree to notify Zipmark immediately if you believe the confidentiality of your login credentials has been compromised or if you suspect unauthorized use of your account. You agree that Zipmark will not be liable for any loss or damage arising from unauthorized use of your credentials.
If you don’t act acceptably, we may remove your content and terminate your account.
Zipmark may review and remove any User Content at any time for any reason, including activity which, in its sole judgment: violates these Terms; violates applicable laws, rules, or regulations; is abusive, disruptive, offensive or illegal; or violates the rights of, or harms or threatens the safety of, users of the Zipmark Service.
Zipmark reserves the right to suspend or terminate your account and prevent access to the Zipmark Service for any reason, at its discretion. Zipmark reserves the right to refuse to provide the Zipmark Service to you in the future. Perpetual licenses granted by you to Zipmark remain in full force and effect.
You are responsible for any claims, fees, fines, penalties, and other liability incurred by Zipmark or others caused by or arising out of your breach of these Terms and your use of the Zipmark Service.
We are not liable for anything our users do when using the Zipmark Service. We may also change the Zipmark Service at any time and are not liable for how this may affect you. We don’t guarantee the quality or accuracy of any content you view using the Zipmark Service or other websites.Changes to the Zipmark Service.
Zipmark may change, suspend, or discontinue any aspect of the Zipmark Service at any time, including hours of operation or availability of the Zipmark Service or any feature, without notice or liability. We may decline to process a transaction without prior notice to either party.User Content.
Zipmark does not control User Content and does not have an obligation to monitor it for any purpose. Zipmark has no obligation to make User Content available through the Zipmark Service. Zipmark may choose, in its sole discretion, to monitor, review, or otherwise access some User Content, but Zipmark assumes no responsibility for doing so. Zipmark assumes no responsibility for the conduct of users or other third parties.
Zipmark reserves the right, in its sole discretion, to remove Your User Content, and Zipmark does not assume any obligation to remove it. To the extent permitted by law, Zipmark disclaims any liability for failing to take any such action. To the extent permitted by law, in no event shall Zipmark be liable for the deletion, loss, or unauthorized modification of any User Content.User Disputes.
Zipmark is not responsible for any disputes or disagreements between you and any other user. You assume all risk associated with dealing with other users. You agree to resolve disputes directly with the other party. You release Zipmark of all claims, demands, and damages in disputes among users of the Zipmark Service. You also agree not to involve Zipmark in such disputes. Use caution and common sense when using the Zipmark Service.Content Accuracy.
Zipmark makes no representations about accuracy, reliability, completeness, or timeliness of any contents of the Zipmark Service, including data from third-party service providers. Similarly, Zipmark makes no representations about accuracy, reliability, completeness, or timeliness of any data from third-party service provider or the quality or nature of third-party products or services obtained through the Zipmark Service. Use the Zipmark Service at your own risk.Third-Party Websites.
The Zipmark Service may include links to third party websites and applications. You are responsible for evaluating whether you want to access or use them. Zipmark is not responsible for and does not endorse any features, content, advertising, products, or other materials on other websites or applications. You assume all risk and Zipmark disclaims all liability arising from your use of them.Transaction Failures.
Zipmark disclaims all liability for transactions that are not successfully completed through no fault of its own, including:
Zipmark makes no promises and disclaims all liability of specific results from the use of the Zipmark Service.Released Parties Defined.
"Released Parties" include Zipmark and its affiliates, officers, employees, agents, partners, and licensors.
You use the Zipmark Service at your own risk. We make no warranties or guarantees.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (A) YOUR USE OF THE ZIPMARK SERVICE IS AT YOUR SOLE RISK, ZIPMARK IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND THE RELEASED PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS OR SERVICES OFFERED BY BUSINESSES LISTED ON THE ZIPMARK SERVICE, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) THE RELEASED PARTIES MAKE NO WARRANTY THAT (i) THE ZIPMARK SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE ZIPMARK SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE ZIPMARK SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE ZIPMARK SERVICE WILL MEET YOUR EXPECTATIONS, AND (v) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE ZIPMARK SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL. ZIPMARK EXPRESSLY DISCLAIMS ANY WARRANTY ASSOCIATED WITH PUSH NOTIFICATIONS TO MOBILE DEVICES.
We are not liable for anything that happens to you that somehow may be connected to your use of the Zipmark Service. If you use the Zipmark Service in a way that causes us to be included in litigation, you agree to pay all of our legal fees and costs.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE RELEASED PARTIES SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ZIPMARK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE ZIPMARK SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH, FROM, OR AS A RESULT OF THE ZIPMARK SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE ZIPMARK SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE ZIPMARK SERVICE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS IN THIS PARAGRAPH MAY NOT APPLY TO YOU.
TO THE FULLEST EXTENT POSSIBLE BY LAW, ZIPMARK’S MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE ZIPMARK SERVICE OR YOUR USE OF ZIPMARK’S CONTENT, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), WILL NOT EXCEED $100.
You further agree and understand that Zipmark has no liability for the loss of any information you may choose to store in your Zipmark account, your computer, or your mobile device, in the event your computer or mobile device is lost or stolen.
You agree to defend, indemnify, and hold harmless the Released Parties from and against any claims, actions, or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from (i) any User Content or other material you provide to the Zipmark Service, (ii) your use of or reliance on any Zipmark Content, or (iii) your breach of these Terms. Zipmark shall provide notice to you promptly of any such claim, suit, or proceeding.
These Terms constitute the entire agreement between you and Zipmark concerning your use of the Zipmark Service. The failure of Zipmark to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms remain in full force and effect. The section titles and annotations in these Terms are for convenience only and have no legal or contractual effect.
We are located in New York, so all disputes must be resolved there. We will use arbitration to resolve any problems, and you cannot join a class action lawsuit or obtain a jury trial for any disputes you have with us related to your use of the Zipmark Service.
These Terms and the relationship between you and Zipmark shall be governed by the laws of the state of New York without regard to its conflict of law provisions. You and Zipmark agree to submit to the personal and exclusive arbitration of any disputes relating to your use of the Zipmark Service under the rules of the American Arbitration Association. Any such arbitration, to the extent necessary, shall be conducted in New York, New York. You covenant not to sue Zipmark in any other forum.
You also acknowledge and understand that, with respect to any dispute with the Released Parties arising out of or relating to your use of the Service or this Agreement:
56 West 22nd Street
New York, NY 10010