ZUFI LTD

Legal

Terms of Service

Effective 22 September 2026 Last updated 22 September 2026 Version 1.0

1. This agreement

These terms are a legal agreement between you and ZUFI LTD, a private limited company registered in England and Wales under company number 16715914, registered office Flat 7 Draycote House, Birch Hall Lane, Manchester, England, M13 0XE ("ZUFI", "we", "us").

They apply when you download, install or use any ZUFI LTD mobile application (each an "App"), and when you use the website at zufi.ltd (the "Site"). Together the Apps and the Site are the "Services". They also serve as the end user licence agreement (EULA) for each App.

By installing or using an App you accept these terms. If you do not accept them, do not use the App, and delete it from your device.

Our Privacy Policy forms part of this agreement. Where an App has its own supplementary terms, those apply in addition and, in the event of a conflict, take precedence for that App.

2. Who may use our apps

You must be at least 13 years old to use our Apps. If you are under 18, you may only use them with the involvement of a parent or guardian, who accepts these terms on your behalf. You must have the legal capacity to enter into this agreement, and you must not be barred from using the Services under the law of your country.

3. Licence

We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to install and use one copy of each App on devices you own or control, for your own non-commercial use, in accordance with these terms and with the usage rules of the store you obtained it from.

You must not:

  • copy, sell, rent, sub-licence, lease or otherwise distribute an App;
  • modify, adapt, translate or create derivative works from it;
  • reverse engineer, decompile or disassemble it, except to the extent that law expressly permits despite this restriction;
  • remove or obscure any proprietary notice it contains;
  • use it on a device you have jailbroken or rooted, where doing so compromises its security.

The App is licensed to you, not sold. We reserve every right not expressly granted here.

4. Accounts

Some Apps require an account. You agree to give accurate details, to keep your credentials confidential, and to tell us promptly at i@zufi.ltd if you believe your account has been used without your authorisation. You are responsible for activity carried out through your account, except where it results from our own failure.

One person, one account. Do not share an account, and do not create one using someone else's identity.

You may close your account at any time from within the App or via the account deletion page.

5. Acceptable use

You agree not to use the Services to:

  • break the law, or infringe anyone's rights, including intellectual property and privacy rights;
  • upload or transmit anything unlawful, defamatory, harassing, hateful, obscene or harmful to children;
  • distribute malware, or interfere with the operation, integrity or security of the Services;
  • gain or attempt to gain unauthorised access to any account, system or data;
  • scrape, harvest or bulk-extract data from the Services by automated means;
  • impose an unreasonable load on our infrastructure, or circumvent any rate limit or access control;
  • impersonate any person or misrepresent your association with anyone;
  • resell or commercially exploit the Services without our written permission.

We may investigate suspected breaches and take the steps set out in section 15.

6. Your content

You keep ownership of everything you create, upload or store using an App ("Your Content"). We claim no ownership over it.

You grant us a limited, worldwide, royalty-free licence to host, store, copy and transmit Your Content strictly to the extent needed to operate the App and provide the service to you — for example, to sync it between your devices or to back it up. This licence ends when you delete the content or close your account, except for copies held in routine backups until they cycle out.

You are responsible for Your Content and confirm that you have the rights necessary to store it and that it does not breach section 5. We do not routinely monitor it, but we may remove content that breaches these terms or that we are legally required to remove.

Keep your own copies of anything important. We are not a backup service.

7. Purchases and subscriptions

Some Apps offer paid features, one-off purchases or subscriptions. All of these are sold, processed and billed by Apple or Google through the store you obtained the App from — not by us. We never receive or store your payment card details.

Prices are shown in the App before you commit and include VAT where it applies. Prices may change; a change never affects a purchase you have already made, and for subscriptions we will give notice as required by the relevant store before a new price takes effect.

Subscriptions renew automatically at the end of each period at the then-current price, unless you cancel at least 24 hours before the period ends. Your store account is charged on renewal. Where a free trial is offered, any unused part of it is forfeited when you buy a subscription.

8. Cancellation and refunds

Manage or cancel a subscription in your App Store or Google Play account settings. Deleting an App does not cancel a subscription.

Refunds are granted by Apple and Google under their own policies: reportaproblem.apple.com for the App Store, and Google Play Help for Google Play. We can rarely issue a refund ourselves, but if you think a store has got it wrong, contact us and we will help where we can.

If you are a consumer in the UK or the EU, you normally have 14 days to cancel a purchase of digital content. That right is lost once download or streaming begins with your express consent and your acknowledgement that you lose the right — which is what happens when you buy through an app store. Nothing in these terms affects your statutory rights.

9. Availability and updates

We work to keep our Apps available and working, but we do not promise uninterrupted or error-free operation. Services may be unavailable during maintenance, because of a fault, or because of something outside our reasonable control.

We may issue updates, and your device may install them automatically. Some updates are needed for an App to keep working, and features may be changed or removed. If we discontinue an App entirely, we will give reasonable notice where we can and, if you hold an unexpired subscription at that point, arrange a pro-rata refund through the relevant store.

We support the operating system versions listed on each App's store page. Older versions may stop being supported.

10. Intellectual property

The Apps, the Site, and all software, design, text, graphics, logos and other material in them are owned by ZUFI LTD or our licensors, and are protected by copyright, trade mark and other laws. "ZUFI" and our logos are our trade marks. Nothing in these terms transfers any of those rights to you.

If you believe material in one of our Apps infringes your copyright, email i@zufi.ltd identifying the work, where the material appears, and your contact details, and confirming you have a good faith belief the use is unauthorised. We will investigate and act promptly.

If you send us feedback or suggestions, we may use them freely and without obligation to you. We will not claim that you endorsed anything.

11. Third-party services

Our Apps rely on third-party infrastructure, including Google Firebase, and may link to third-party websites or services. Those are governed by their own terms and privacy policies, and we are not responsible for their content, availability or practices. A link is not an endorsement.

12. Warranties and disclaimers

We provide the Services with reasonable care and skill. Beyond that, and to the fullest extent the law allows, the Services are provided "as is" and "as available" and we exclude all other warranties, conditions and terms implied by statute or common law — including any implied warranty of satisfactory quality, fitness for a particular purpose or non-infringement.

We do not warrant that an App will meet your requirements, that it will operate without interruption or error, or that defects will be corrected.

If you are a consumer, you have legal rights under the Consumer Rights Act 2015 that cannot be excluded — digital content must be of satisfactory quality, fit for purpose and as described. Nothing here limits those rights.

13. Our liability to you

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded or limited.

Subject to that, we are not liable for loss of profit, loss of business, business interruption, loss of anticipated savings, loss of goodwill, or loss or corruption of data, in each case whether direct or indirect, and we are not liable for any loss that was not reasonably foreseeable when you started using the Services.

Subject to the first paragraph of this section, our total aggregate liability arising out of or in connection with these terms and your use of the Services is limited to the greater of (a) the total amount you paid us, or paid through an app store for our Apps, in the twelve months before the claim arose, and (b) £100.

If you use the Services for any business purpose, we have no liability to you for loss of profit, business, contracts, goodwill or business opportunity.

We supply Apps for domestic and private use. We are not responsible for damage to your device or other software caused by anything other than a defect in our App.

14. Your liability to us

If you use the Services other than as a consumer, you agree to indemnify us against any claim, loss, damage or reasonable cost we suffer arising from your breach of these terms, your misuse of the Services, or your infringement of a third party's rights.

15. Suspension and termination

You may stop using the Services at any time by deleting the App and closing your account.

We may suspend or end your access, with notice where it is practicable to give it, if you materially breach these terms, if we are required to by law, or if your use creates a risk or legal exposure for us or for other users. Where the breach can be put right, we will normally ask you to put it right first.

On termination your licence ends and you must stop using the Apps. Sections that by their nature should survive — including sections 6, 10, 12, 13, 14, 20 and 21 — continue to apply.

16. Apple App Store terms

These terms apply to Apps obtained from the Apple App Store:

  • This agreement is between you and ZUFI LTD only, and not with Apple. Apple is not responsible for the App or its content.
  • Your licence is limited to use on any Apple-branded products you own or control, as permitted by the App Store Terms of Service.
  • Apple has no obligation to provide maintenance or support for the App.
  • If the App fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price; to the maximum extent permitted by law, Apple has no other warranty obligation in respect of the App.
  • Apple is not responsible for addressing any claim by you or a third party relating to the App, including product liability claims, claims that the App fails to conform to a legal or regulatory requirement, and claims under consumer protection or similar legislation.
  • Apple is not responsible for investigating, defending, settling or discharging any third-party claim that the App infringes intellectual property rights.
  • You confirm that you are not located in a country subject to a US Government embargo or designated as a "terrorist supporting" country, and that you are not on any US Government list of prohibited or restricted parties.
  • Apple and its subsidiaries are third-party beneficiaries of these terms and, on your acceptance, have the right to enforce them against you.

17. Google Play terms

Apps obtained from Google Play are also subject to the Google Play Terms of Service and the Google Play Developer Distribution Agreement. Google is not a party to this agreement and is not responsible for the App. Where these terms conflict with Google Play's terms as they apply to distribution, Google Play's terms prevail for that purpose only.

18. Changes to these terms

We may change these terms — for example, to reflect a change in the law, in a store's requirements, or in how an App works. The effective date at the top shows the current version.

For material changes we will give reasonable notice in the App, by email, or on this page before they take effect. If you do not accept a change, your remedy is to stop using the Services and close your account; continuing to use them after the change takes effect means you accept it.

19. General

  • Entire agreement. These terms, with the Privacy Policy and any App-specific terms, are the whole agreement between us about the Services.
  • Severance. If any provision is found unenforceable, the rest continues in force.
  • No waiver. If we do not enforce a right, that is not a waiver of it.
  • Assignment. You may not transfer your rights under these terms without our consent. We may transfer ours, for example on a sale of the business, provided your rights are not reduced.
  • Third parties. Except as stated in section 16, no one other than you and us has any right to enforce these terms under the Contracts (Rights of Third Parties) Act 1999.
  • Events outside our control. We are not liable for failure to perform caused by something beyond our reasonable control.
  • Notices. We contact you at the email address on your account or in the App. You contact us at i@zufi.ltd.

20. Governing law and disputes

These terms and any dispute arising from them are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

If you are a consumer resident in Scotland or Northern Ireland, you may also bring proceedings in your own courts, and you keep the protection of the mandatory consumer law of your place of residence.

Please contact us first — most problems are settled quickly by email. Consumers in the EU may also use the European Commission's online dispute resolution platform.

21. Contact

ZUFI LTD
Flat 7 Draycote House, Birch Hall Lane
Manchester, England, M13 0XE, United Kingdom
Registered in England and Wales, company number 16715914
i@zufi.ltd