1. Acceptance of Terms

By accessing or using Zensus (the "App"), operated by Zensus ("we," "us," or "our"), accessible via https://zensus.app and our mobile application, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing the App.

2. Educational Purpose

Zensus is an educational platform designed to improve financial literacy and wealth building skills for students. The content provided is for educational purposes only and should not be considered financial advice. We recommend consulting with qualified financial professionals before making any investment or financial decisions.

3. User Accounts

To access certain features of the App, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and current information
• Notifying us immediately of any unauthorized use or security breaches

We reserve the right to terminate accounts that violate these Terms of Service or remain inactive for extended periods.

4. User Content

When you create, upload, or share content through the App ("User Content"), you grant us a non-exclusive, royalty-free license to use, store, and display that content in connection with providing and improving the App. You retain all ownership rights to your User Content.

You are solely responsible for your User Content and must not submit content that:

• Infringes on intellectual property rights
• Contains harmful code or malware
• Violates any applicable laws or regulations
• Is offensive, harmful, or inappropriate

5. Intellectual Property

The App and its original content, features, and functionality are owned by Zensus and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any portion of the App without our prior written consent.

7. Privacy Policy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at https://zensus.app/privacy to understand our data collection and use practices.

8. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the App will be uninterrupted, error-free, or secure, or that any defects will be corrected. We make no warranties regarding the accuracy, reliability, or completeness of any content provided through the App.

9. Limitation of Liability

To the maximum extent permitted by law, Zensus and its affiliates, officers, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use the App
• Any conduct or content of any third party on the App
• Any content obtained from the App
• Unauthorized access, use, or alteration of your transmissions or content

10. Third-Party Links and Services

The App may contain links to third-party websites or services that are not owned or controlled by Zensus. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Zensus shall not be responsible or liable for any damage or loss caused by the use of such third-party websites or services.

10. Modifications

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use the App after any revisions become effective, you agree to be bound by the revised terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be resolved exclusively in the courts located within the United States.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at:

• Email: hello@zensus.app
• Website: https://zensus.app