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Host Agreement


Last Updated: 2026-01-27


This Host Agreement ("Agreement") governs your use of Zelo as an event host. By creating an event, you agree to the following terms in addition to our Terms of Service.


1. Host Eligibility


To receive gifts through Zelo, you must:

  • Be at least 18 years old (or the age of majority in your jurisdiction)
  • Have the legal capacity to receive funds in your jurisdiction
  • Complete identity verification through our payment processing partner
  • Provide accurate personal, identity, and banking information
  • Not be a resident of a country subject to international sanctions
  • Not be on any government sanctions or prohibited persons list

    • 2. Payment Processing


    2.1 Connected Account

    By using Zelo to receive funds, you agree to create a payment account with our licensed payment processing partner and accept their terms and conditions, services agreement, and privacy policy.


    Your relationship with our payment partner is governed directly by their terms. Zelo acts as a platform, facilitating the connection between you and our payment partner.


    2.2 Identity Verification (KYC/AML)

  • You must complete identity verification (Know Your Customer) process through our payment partner
  • This may include providing government-issued ID, proof of address, and other documentation
  • Verification is required to comply with anti-money laundering (AML) regulations
  • Incomplete or failed verification may result in delayed or restricted payouts
  • Requirements may vary by country and transaction volume

    • 2.3 Payout Schedule

  • Payouts are processed according to our payment partner's standard schedule for your country
  • Initial payouts may be subject to a holding period (typically 7-14 days for new accounts)
  • After verification, payouts typically arrive in 2-7 business days depending on your country
  • Payout timing and availability varies by country and bank

    • 2.4 Platform Fees

  • Zelo charges a platform service fee on each gift received
  • **Current fee: 4% of each gift amount**
  • Payment processing fees are separate and additional (varies by country/method)
  • Fees are deducted before funds are transferred to your payment account
  • Fee structure may change with 30 days advance written notice

    • 2.5 Currency

  • Gifts may be received in different currencies
  • Currency conversion fees may apply per our payment partner's policies
  • Cross-border transfer fees are governed by our payment partner's policies

    • 3. Tax Responsibilities


    3.1 Your Tax Obligations

    YOU ARE SOLELY RESPONSIBLE FOR:

  • Determining your tax obligations related to gifts received
  • Reporting income or gifts to relevant tax authorities as required by law
  • Paying any taxes owed on funds received through the platform
  • Maintaining records of all transactions for tax purposes
  • Consulting with qualified tax professionals

    • 3.2 No Tax Advice

    Zelo DOES NOT:

  • Provide tax, legal, or financial advice
  • Withhold taxes on your behalf
  • Guarantee any particular tax treatment of funds received
  • Represent that gifts are tax-exempt in your jurisdiction

    • 3.3 Tax Information Reporting

  • Zelo and/or our payment partner may be required to report certain information to tax authorities
  • In the United States, our payment partner may issue Form 1099-K if you meet IRS thresholds
  • Similar reporting requirements may apply in the EU, UK, Canada, Australia, and other jurisdictions
  • You are responsible for understanding and complying with all applicable tax reporting requirements

    • 3.4 General Tax Information (Not Advice)

    Tax treatment of gifts varies significantly by jurisdiction. For example:

  • In many jurisdictions, recipients of personal gifts may not owe income tax on gifts received
  • Gift givers may have separate reporting or gift tax obligations
  • Business or commercial use may have different tax implications
  • **Always consult a qualified tax professional for your specific situation**

    • 4. Nature of Transactions


    4.1 Personal Gifts Only

    Funds received through Zelo are intended to be:

  • Voluntary personal gifts between individuals
  • Transfers with no expectation of goods, services, or financial return
  • Associated with personal celebrations and life events

    • 4.2 Prohibited Uses

    The platform must NOT be used for:

  • Charitable donations or fundraising (use licensed charitable platforms)
  • Crowdfunding or investment solicitation
  • Securities offerings or financial products
  • Commercial transactions or sales of goods/services
  • Money transmission, remittances, or payment services
  • Political contributions
  • Any illegal purpose

    • 5. Prohibited Activities


    As a Host, you MUST NOT:

  • Create events for crowdfunding, charity, or commercial purposes
  • Use the platform for investment or securities offerings
  • Create fraudulent, misleading, or fake events
  • Engage in money laundering, terrorist financing, or illegal activities
  • Misrepresent the nature or purpose of your event
  • Create events that violate laws in your jurisdiction or guests' jurisdictions
  • Use the platform to evade taxes or financial regulations
  • Solicit gifts in exchange for goods, services, or other consideration
  • Violate any applicable laws, regulations, or third-party rights

    • 6. Anti-Money Laundering (AML) Compliance


    6.1 Your Representations

    By using the platform, you represent and warrant that:

  • You are not on any government sanctions list or prohibited persons list
  • The funds you receive are not proceeds of illegal activity
  • You will not use the platform to launder money or finance illegal activities
  • You will cooperate with any investigations related to your account
  • You will promptly report any suspicious activity to us

    • 6.2 Monitoring and Reporting

  • Zelo and our payment partner monitor transactions for suspicious activity
  • We may report suspicious activity to relevant authorities as required by law
  • We may request additional information about transactions or your identity
  • We may delay, suspend, or refuse transactions or payouts if we suspect illegal activity

    • 7. Event Content & Conduct


    7.1 Your Responsibility

    You are solely responsible for:

  • All content posted in connection with your event
  • Ensuring content is accurate, truthful, and not misleading
  • Complying with our Acceptable Use Policy
  • Not infringing on third-party intellectual property rights
  • Complying with all applicable laws and regulations

    • 7.2 Platform Rights

    Zelo reserves the right to:

  • Remove content that violates our policies
  • Suspend or terminate accounts for policy violations
  • Report illegal activity to authorities
  • Modify, suspend, or discontinue the service at any time

    • 8. Refunds, Disputes & Chargebacks


    8.1 Refund Policy

  • Gifts are generally non-refundable once transferred to your account
  • Refunds may be required in cases of fraud, unauthorized transactions, or chargebacks
  • You may be required to return funds if a dispute is resolved against you
  • See our Refund Policy for full details

    • 8.2 Chargebacks

  • If a gift giver disputes a charge, funds may be debited from your payment account
  • Excessive chargebacks may result in account suspension or termination
  • You agree to cooperate in chargeback investigations
  • You are responsible for chargeback fees imposed by our payment partner (typically $15-25 per dispute)

    • 8.3 Reserve Funds

  • Our payment partner and/or Zelo may hold a reserve of funds to cover potential disputes or chargebacks
  • Reserve amounts and duration are determined based on risk assessment

    • 8.4 Dispute Resolution

  • Disputes between you and gift givers should be resolved directly
  • Zelo is not responsible for disputes between hosts and guests
  • We may provide transaction records upon request to assist resolution

    • 9. Account Suspension & Termination


    9.1 Grounds for Suspension

    We may suspend your account and hold funds if:

  • We suspect fraud, money laundering, or illegal activity
  • You violate this Agreement or our policies
  • Required by law, regulation, or our payment partner
  • We receive excessive disputes or chargebacks
  • Your identity verification is incomplete or fails
  • You are unresponsive to requests for information

    • 9.2 Termination

  • Either party may terminate this Agreement at any time
  • Upon termination, you may withdraw available funds after any applicable holding period
  • We may retain funds for up to 180 days to cover potential disputes, chargebacks, or legal claims
  • Termination does not release you from obligations incurred before termination

    • 10. Limitation of Liability


    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • Zelo is provided "AS IS" without warranties of any kind
  • We disclaim all implied warranties including merchantability and fitness for purpose
  • We are not liable for payment processing delays, our payment partner's actions, or third-party services
  • We are not liable for any tax consequences of receiving funds
  • We are not liable for indirect, incidental, special, consequential, or punitive damages
  • Our total aggregate liability is limited to the platform fees you paid us in the preceding 12 months, or $100 USD, whichever is greater

    • NOTHING IN THIS AGREEMENT EXCLUDES OR LIMITS LIABILITY FOR: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any liability that cannot be excluded by law.


    11. Indemnification


    You agree to indemnify, defend, and hold harmless Zelo, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

  • Your use of the platform
  • Your violation of this Agreement or any law
  • Your event content or activities
  • Disputes with gift givers
  • Your tax obligations or failures
  • Any third-party claims related to your use of the platform

    • 12. Governing Law & Dispute Resolution


    12.1 Governing Law

    This Agreement is governed by the laws of the State of Wyoming, USA, without regard to conflict of law principles.


    12.2 US Users - Arbitration

    For users in the United States, any disputes arising from this Agreement shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.


    12.3 Class Action Waiver (US)

    For US users: You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.


    12.4 EU/UK Users

    If you are a consumer in the EU or UK, you may bring claims in your local courts. Mandatory consumer protection laws of your country of residence shall apply.


    12.5 Other Jurisdictions

    Users in other jurisdictions may have additional rights under local consumer protection laws.


    13. Data Protection


    Your personal data is processed in accordance with our Privacy Policy and applicable data protection laws including:

  • General Data Protection Regulation (GDPR) for EU/EEA residents
  • UK General Data Protection Regulation for UK residents
  • California Consumer Privacy Act (CCPA) for California residents
  • Privacy Act 1988 for Australian residents
  • PIPEDA for Canadian residents

    • 14. Modifications


  • We may modify this Agreement at any time
  • Material changes will be communicated via email at least 30 days before taking effect
  • Continued use after changes take effect constitutes acceptance
  • If you do not agree to changes, you must stop using the platform before changes take effect

    • 15. Severability


    If any provision of this Agreement is found unenforceable or invalid, the remaining provisions will continue in full force and effect.


    16. Entire Agreement


    This Agreement, together with our Terms of Service, Privacy Policy, Cookie Policy, Refund Policy, and Acceptable Use Policy, constitutes the entire agreement between you and Zelo regarding your use of the platform as a Host.


    17. Contact


    For questions about this Host Agreement:

  • Email: legal@getzelo.co
  • Support: support@getzelo.co
  • Address: 5830 E 2nd St, Ste 7000 #31975, Casper, Wyoming 82609, USA

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    BY CREATING AN EVENT, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS HOST AGREEMENT, OUR TERMS OF SERVICE, PRIVACY POLICY, AND OUR PAYMENT PARTNER'S ACCOUNT AGREEMENT.