Regulatory Disclosures | Zelo Gift Registry

Secure Payment Processing

Zelo utilizes a licensed and regulated payment processing partner for all payment processing. This means that all financial transactions, regulatory compliance, money transmission licensing, and funds handling are managed directly by our payment partner — a globally licensed and regulated payment processor.

What This Means for You

For Event Hosts

• You create a payment account to receive funds
• Our payment partner handles all identity verification (KYC)
• Funds are deposited directly to your bank account
• Tax documentation is provided where applicable

For Contributors

• Payments are processed securely by our payment partner
• Your card information never touches our servers
• Advanced fraud protection safeguards your payment
• Disputes are handled through a secure process

Zelo's Role

Zelo is a technology platform, not a financial institution. We provide the software that enables you to create beautiful event pages, manage gift registries, and connect with your guests. Here's what we do and don't do:

What Zelo Does:

✓ Provides the event page platform
✓ Facilitates guest communication
✓ Manages gift registry features
✓ Connects you to our payment partner for payments

What Zelo Does NOT Do:

✗ Hold or manage your funds
✗ Process financial transactions
✗ Verify identities (KYC/AML)
✗ Issue tax documents

Payment Partner Regulatory Compliance

Our payment processing partner is a globally licensed payment processor that handles all regulatory requirements for financial transactions. Their compliance includes:

Licensing & Registration

• Licensed money transmitter in all 50 US states
• Registered with FinCEN
• Authorized as EMI in the EU & UK
• Licensed in 40+ countries globally

Security & Compliance

• PCI-DSS Level 1 Service Provider
• SOC 2 Type II Certified
• OFAC sanctions screening
• AML/KYC compliance program

Important Notices

Gift Nature of Contributions

Contributions made through Zelo are intended as gifts. Contributors should not expect goods, services, or financial returns in exchange for their contributions. The recipient may use the funds at their discretion.

Tax Considerations

Gift tax rules may apply depending on your jurisdiction and the amounts involved. Our payment partner may issue tax documentation (such as 1099-K forms in the US) to recipients as required by law. We recommend consulting a tax professional for guidance specific to your situation.

Dispute Resolution

Payment disputes and chargebacks are handled through our payment partner's dispute resolution process. For issues related to specific transactions, you may also contact your card issuer directly. See our Complaints Policy for platform-related concerns.

Questions?

For questions about our platform, contact Zelo at legal@getzelo.co

For questions about payments, payouts, or your payment account, contact support@getzelo.co