Terms of Service

1. Acceptance of Terms

By accessing or using COVZEN's shipping protection platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

COVZEN provides a merchant-controlled shipping protection platform that enables e-commerce stores to:

• Offer shipping protection to customers at checkout
• Manage and resolve shipping-related claims
• Use AI-powered automation for claims processing
• Access analytics and reporting tools

3. Account Registration

To use the Service, you must:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Be at least 18 years of age
• Have the authority to bind your business to these Terms
• Notify us immediately of any unauthorized use

4. Merchant Responsibilities

As a merchant using COVZEN, you agree to:

• Accurately represent products and shipping terms to customers
• Process approved claims in a timely manner
• Maintain sufficient funds to cover approved claims
• Comply with all applicable laws and regulations
• Not use the Service for fraudulent purposes

5. Pricing and Payment

5.1 Subscription Fees

• Fees are billed monthly in advance
• You may cancel your subscription at any time
• No refunds for partial months
• We may change pricing with 30 days' notice

5.2 Protection Revenue

You are responsible for setting protection pricing and managing funds to cover approved claims. Covzen may charge a low percentage fee on protection revenue according to your plan or commercial agreement.

6. Claims Processing

COVZEN provides AI-powered tools to help process claims, but final claim decisions remain your responsibility. You agree that:

• AI recommendations are not guarantees and should be reviewed
• You are liable for claims you approve
• You will investigate suspected fraud
• Claims must be processed in accordance with your stated terms

7. Intellectual Property

COVZEN retains all rights to our platform, software, and branding. You may use our white-label features according to these Terms, but you do not acquire any ownership rights.

8. Prohibited Uses

You may not:

• Use the Service for illegal activities
• Attempt to circumvent security measures
• Reverse engineer or copy our software
• Resell or sublicense the Service
• Use automated tools to access the platform without permission

9. Termination

We may suspend or terminate your account at any time for violation of these Terms. Upon termination, you must cease using the Service and may not receive a refund of prepaid fees. You retain responsibility for claims made prior to termination.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. COVZEN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE SERVICE.

11. Limitation of Liability

COVZEN SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify COVZEN against claims arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Disputes shall be resolved in San Francisco County, California.

14. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via email or platform notification. Continued use after changes constitutes acceptance.

15. Contact Information