Welcome to Zukva. These Terms and Conditions ("Terms") govern your access to and use of our website, applications, and services. By accessing or using our platform, you agree to comply with these Terms. If you do not agree, please refrain from using our services.

1. Acceptance of Terms

By accessing or using our platform, you confirm that:

• You are at least 18 years of age or have parental/guardian consent.
• You have the legal authority to enter into this agreement.
• You agree to comply with all applicable laws and regulations.

2. Definitions

For the purposes of these Terms:

• Platform refers to our website, mobile application, and related services.
• User means any individual or business accessing the platform.
• Business Listing refers to any profile, listing, advertisement, or content published by a business.
• Content includes text, images, logos, videos, graphics, reviews, and other materials.

3. User Accounts

To access certain features, you may need to create an account.

You agree to:

• Provide accurate and complete information.
• Keep your login credentials secure.
• Update your information when necessary.
• Be responsible for all activity under your account.

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Business Listings

Businesses using our platform agree that:

• All submitted information is accurate and truthful.
• Listings do not violate any applicable laws.
• They possess the necessary rights for uploaded images, logos, and content.
• Pricing, services, and contact details remain current.

We reserve the right to modify, reject, or remove listings that violate these Terms.

5. User Responsibilities

You agree not to:

• Upload false or misleading information.
• Impersonate another person or business.
• Post offensive, defamatory, or illegal content.
• Attempt unauthorized access to our systems.
• Upload malware or harmful software.
• Use automated bots without written permission.
• Interfere with platform operations.

6. Reviews and Ratings

Users may post reviews based on genuine experiences.

Reviews must not:

• Contain abusive language.
• Be fraudulent or misleading.
• Include hate speech or discrimination.
• Promote competitors unfairly.
• Contain confidential information.

We reserve the right to moderate or remove reviews at our discretion.

7. Intellectual Property

All platform content including:

• Logos
• Branding
• Design
• Graphics
• Source code
• Text
• Databases

is owned by or licensed to us and protected by applicable intellectual property laws.

You may not reproduce, distribute, or modify any content without prior written permission.

8. User Content

You retain ownership of the content you submit.

By uploading content, you grant us a worldwide, non-exclusive, royalty-free license to:

• Display
• Store
• Modify for formatting
• Publish
• Promote your listing
• Distribute your content through our platform

You remain responsible for your submitted content.

9. Payments

Where applicable:

• Subscription fees are billed according to the selected plan.
• Payments are processed through secure payment providers.
• Prices may change with prior notice.
• Taxes are the responsibility of the customer where applicable.

Failure to make payments may result in suspension of services.

10. Refund Policy

Unless otherwise stated:

• Subscription payments are generally non-refundable.
• Refunds may be considered in exceptional circumstances.
• Promotional purchases may have separate refund conditions.

11. Third-Party Links

Our platform may contain links to third-party websites.

We are not responsible for:

• Their content
• Privacy practices
• Products
• Services
• Availability

Users access third-party websites at their own risk.

12. Disclaimer

Our services are provided "as is" and "as available."

We do not guarantee:

• Continuous availability
• Error-free operation
• Accuracy of third-party information
• Business performance
• Customer satisfaction
• Search ranking positions

Users should independently verify business information before making purchasing decisions.

13. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for:

• Loss of profits
• Business interruption
• Data loss
• Indirect damages
• Incidental damages
• Consequential damages
• Third-party actions

Our total liability shall not exceed the amount paid by the user for the applicable service during the preceding 12 months.

14. Indemnification

You agree to indemnify and hold harmless our company, employees, directors, and affiliates from claims arising out of:

• Violation of these Terms.
• Misuse of the platform.
• Infringement of third-party rights.
• User-submitted content.

15. Suspension and Termination

We may suspend or terminate accounts if users:

• Violate these Terms.
• Engage in fraudulent activity.
• Misuse platform services.
• Submit false information.
• Attempt to compromise system security.

Termination does not relieve outstanding payment obligations.

16. Privacy

Your use of the platform is also governed by our Privacy Policy.

Please review it to understand how we collect, use, and protect your information.

17. Changes to Terms

We reserve the right to update these Terms at any time.

Updated versions will become effective upon publication on this page.

Continued use of the platform constitutes acceptance of the revised Terms.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction.

Any disputes shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

19. Force Majeure

We shall not be liable for delays or failures caused by circumstances beyond our reasonable control, including:

• Natural disasters
• Government actions
• Internet outages
• Power failures
• Cyberattacks
• Labor disputes

20. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

21. Entire Agreement

These Terms, together with our Privacy Policy and any additional policies referenced herein, constitute the entire agreement between you and us regarding the use of the platform.