Terms of Service
Last updated: March 10, 2026
1. Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client", "you", "your") and Zarv Inc. ("Zarv", "we", "us", "our") governing your access to and use of Zarv's risk intelligence platform, including all associated APIs, dashboards, SDKs, documentation, and related services (collectively, the "Services"). By accessing, registering for, or using the Services in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are entering into these Terms on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms, and references to "you" shall refer to such entity. If you do not agree to these Terms, you must not access or use the Services. Zarv reserves the right to modify these Terms at any time, with changes effective upon posting to our website or notification to registered clients. Continued use after modifications constitutes acceptance of updated Terms.
2. Service Description and Scope
Zarv provides a comprehensive risk intelligence platform consisting of three core products: (a) Zarv ID: behavioral risk scoring, identity verification, fraud detection, and credit decisioning support through real-time API queries; (b) Zarv Signal: continuous monitoring of insured assets, anomaly detection, geofencing alerts, route analysis, and proactive risk signals delivered via webhook notifications and dashboard interfaces; (c) Zarv Lens: claims investigation services, evidence generation, timeline reconstruction, and investigative reporting delivered as professional services engagements. Services are delivered through multiple access modalities: RESTful APIs with JSON payloads, web-based dashboards with role-based access control, SDK integrations (iOS, Android, Web), webhook notifications for real-time alerts, and batch processing for bulk operations. The specific Services available to you are defined in your executed Service Agreement, Master Services Agreement (MSA), or Statement of Work (SOW). Service scope, data sources, update frequencies, and support levels vary by product tier and contractual arrangement.
3. Eligibility and Account Registration
The Services are intended solely for business and commercial use by entities engaged in insurance underwriting, claims management, lending, credit decisioning, fleet management, fraud prevention, or related risk assessment activities. Individual consumers may not register for Services. To access the Services, you must: (a) register an account by providing accurate, complete company and contact information; (b) designate authorized users and administrators with valid business email addresses; (c) maintain the confidentiality of all account credentials, API keys, and authentication tokens; (d) implement reasonable security measures to prevent unauthorized access to your account; (e) notify Zarv immediately upon discovery of any security breach or unauthorized use. You are fully responsible for all activities that occur under your account, whether or not authorized by you. Zarv reserves the right to refuse registration, suspend accounts, or terminate access at our sole discretion, particularly if we detect fraudulent activity, security risks, policy violations, or use cases that conflict with our ethical guidelines or legal obligations.
4. Permitted Use and Restrictions
You may use the Services only for lawful purposes consistent with your Service Agreement and applicable laws, including but not limited to: insurance underwriting and pricing, claims adjudication and investigation, credit risk assessment, fraud prevention and detection, fleet monitoring and management, KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance, and similar risk management activities. You expressly agree NOT to: (a) reverse-engineer, decompile, disassemble, or attempt to discover the source code, algorithms, models, or methodologies underlying the Services; (b) use scrapers, bots, or automated tools to access the Services except through documented APIs; (c) circumvent usage limits, rate limits, or access controls; (d) share, rent, lease, or resell access to the Services or your API keys; (e) use the Services to violate any person's privacy rights or applicable data protection laws; (f) process data for purposes not disclosed in your Service Agreement or not covered by appropriate legal basis; (g) use the Services to discriminate unlawfully based on protected characteristics (race, religion, national origin, gender, age, disability, etc.); (h) use data obtained from Zarv to create competing risk intelligence products or to train competing machine learning models; (i) remove, obscure, or alter any proprietary notices or attribution; (j) use the Services in any manner that could damage, disable, overburden, or impair Zarv's infrastructure; (k) engage in fraudulent activity, money laundering, or facilitation of illegal conduct through use of our platform; (l) violate any applicable laws, regulations, or third-party rights. Zarv monitors usage patterns for compliance and security purposes and may suspend access immediately upon detection of prohibited uses.
5. Data Rights, Privacy, and Compliance
Your use of the Services involves the processing of personal data and is subject to our Privacy Policy and applicable data protection laws, including LGPD, GDPR, CCPA, and sector-specific regulations. You acknowledge and agree that: (a) You are responsible for ensuring that you have a lawful basis (legitimate interest, consent, contract, legal obligation) to submit personal data to Zarv for processing; (b) You will comply with all applicable data protection laws in your collection, use, and disclosure of personal data obtained through the Services; (c) You will provide appropriate privacy notices to individuals whose data you process through Zarv; (d) You will honor data subject rights requests (access, deletion, rectification, portability) and cooperate with Zarv to facilitate such requests when they pertain to data processed through our platform; (e) Zarv acts as a data processor (LGPD), processor (GDPR), or service provider (CCPA) on your behalf, and you are the data controller or business entity; (f) Data Processing Agreements (DPAs) are available and form part of these Terms; (g) You will not use the Services to process special categories of sensitive data (health, biometric, racial/ethnic origin, etc.) unless explicitly authorized in your Service Agreement and with appropriate safeguards; (h) Zarv retains ownership of all algorithms, models, scores, and derivative insights generated by the platform, while you retain ownership of data you submit; (i) Anonymized and aggregated data may be used by Zarv for model training, benchmarking, and service improvement purposes; (j) International data transfers are governed by appropriate safeguards as described in our Privacy Policy Section 8.
6. Intellectual Property Rights
All intellectual property rights in and to the Services, including but not limited to software, algorithms, machine learning models, risk scores, methodologies, documentation, APIs, user interfaces, trademarks, logos, and all derivative works, are and shall remain the exclusive property of Zarv Inc. and its licensors. No title or ownership rights are transferred to you under these Terms. Subject to your compliance with these Terms and payment of applicable fees, Zarv grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license during the term of your Service Agreement to: (a) access and use the Services solely for your internal business purposes as described in your Service Agreement; (b) integrate Zarv APIs into your internal systems and customer-facing applications as technically documented; (c) display risk scores, alerts, and reports generated by the Services to your authorized personnel and, where appropriate, to end users (e.g., policyholders viewing their own risk profile). You may not: remove proprietary notices, use Zarv trademarks without prior written consent, create derivative works based on the Services, or use any outputs to develop competing products. Zarv respects intellectual property rights of others and expects clients to do the same. If you believe content accessible through our Services infringes your intellectual property, contact legal@zarv.com with documentation of ownership and alleged infringement.
7. Service Level Agreement (SLA) and Availability
Zarv commits to the following service levels for production environments: (a) API Uptime: 99.9% monthly uptime for Zarv ID and Zarv Signal API endpoints, measured as the percentage of successful requests excluding scheduled maintenance and force majeure events; (b) API Response Time: P95 latency of <150ms for Zarv ID queries and <2 seconds for Zarv Signal webhook delivery under normal load conditions; (c) Scheduled Maintenance: planned maintenance windows will be communicated at least 72 hours in advance via email and status page (status.zarv.com) and will be scheduled during low-traffic periods; (d) Support Response Times: Critical issues (service unavailable, data breach): 1 hour response, 4 hour resolution target; High issues (degraded performance, key feature unavailable): 4 hour response, 24 hour resolution target; Medium issues (minor bugs, questions): 24 hour response, 72 hour resolution target; Low issues (feature requests, general inquiries): 72 hour response. SLA credits: if monthly uptime falls below 99.9%, you may be eligible for service credits as follows: 99.0-99.9% uptime: 10% credit; 95.0-98.9% uptime: 25% credit; below 95.0% uptime: 50% credit. Credits are calculated as percentage of monthly fees and must be requested within 30 days of the incident with supporting documentation. Credits are your sole remedy for SLA failures. Zarv is not liable for downtime caused by: force majeure events, third-party infrastructure failures (AWS, internet backbone), DDoS attacks or security incidents, client's misuse or network issues, scheduled maintenance with proper notice, beta or experimental features, or factors outside Zarv's reasonable control.
8. Fees, Payment Terms, and Billing
Fees for the Services are specified in your executed Service Agreement or SOW and are based on the following pricing models: (a) Zarv ID: per-query pricing based on API calls (e.g., $0.50-$2.00 per identity verification depending on data depth), with volume discounts for committed monthly minimums; (b) Zarv Signal: per-asset-per-month pricing (e.g., $5-$15/asset/month depending on monitoring frequency and alert complexity), billed based on the number of unique assets actively monitored during the billing period; (c) Zarv Lens: project-based or retainer pricing for investigative services, billed per engagement scope, with hourly rates for additional work outside initial scope. Payment terms: invoices are issued monthly in arrears (for usage-based pricing) or in advance (for subscription/retainer arrangements). Payment is due within 30 days of invoice date via bank transfer, credit card, or other mutually agreed methods. Late payments accrue interest at 1.5% per month or the maximum rate permitted by law. Zarv reserves the right to suspend Services for accounts more than 30 days past due, with 10 days written notice. All fees are exclusive of taxes, and you are responsible for all sales, use, VAT, GST, and other taxes except those based on Zarv's income. Currency: fees are denominated in USD or BRL as specified in your agreement. Annual price adjustments: Zarv may adjust pricing annually upon 90 days written notice, with increases capped at 15% or the applicable inflation index (IPCA for Brazilian clients, CPI-U for US clients).
9. Representations, Warranties, and Disclaimers
Zarv represents and warrants that: (a) it has the legal right and authority to provide the Services and grant the licenses described in these Terms; (b) the Services will perform materially in accordance with documentation and SLA commitments; (c) it will comply with applicable data protection and privacy laws. Client represents and warrants that: (a) it has all necessary rights and permissions to submit data to Zarv for processing; (b) its use of the Services complies with all applicable laws and regulations; (c) it will not use the Services for unlawful or prohibited purposes. EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, THE SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ZARV DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ZARV DOES NOT WARRANT THAT: (a) the Services will be uninterrupted, timely, secure, or error-free; (b) risk scores or alerts will be accurate, complete, or result in any particular outcome; (c) data sources will always be available or up-to-date; (d) defects will be corrected within any specific timeframe. Zarv provides risk intelligence to support decision-making but does not make underwriting, lending, or claims decisions. You remain solely responsible for all business decisions made using data or insights from the Services. Zarv does not guarantee that use of the Services will result in reduced fraud, improved loss ratios, or any specific financial outcome. Some jurisdictions do not allow exclusion of implied warranties, so some of the above exclusions may not apply to you.
10. Limitation of Liability and Indemnification
LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZARV'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO ZARV IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY. IN NO EVENT SHALL ZARV BE LIABLE FOR: (a) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES; (b) LOSS OF PROFITS, REVENUE, BUSINESS, DATA, OR BUSINESS OPPORTUNITIES; (c) BUSINESS INTERRUPTION OR LOSS OF GOODWILL; (d) DECISIONS MADE BY YOU BASED ON DATA FROM THE SERVICES; (e) THIRD-PARTY CLAIMS AGAINST YOU BASED ON YOUR USE OF THE SERVICES; (f) EVENTS BEYOND ZARV'S REASONABLE CONTROL (FORCE MAJEURE). These limitations apply even if Zarv has been advised of the possibility of such damages and regardless of whether any remedy fails of its essential purpose. Some jurisdictions do not allow limitation of certain damages, so some limitations may not apply. INDEMNIFICATION BY CLIENT: You agree to indemnify, defend, and hold harmless Zarv, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Services; (b) your violation of these Terms; (c) your violation of any applicable laws or third-party rights; (d) data you submit to the Services or decisions you make based on Services; (e) disputes between you and third parties related to your use of the Services. INDEMNIFICATION BY ZARV: Zarv will indemnify you against third-party claims that the Services infringe a valid patent, copyright, or trademark, provided you: (i) promptly notify Zarv of the claim; (ii) grant Zarv sole control of defense and settlement; (iii) cooperate with Zarv in the defense. If Services are found to infringe or Zarv believes they may infringe, Zarv may at its option: procure the right to continue use, replace with non-infringing equivalent, modify to be non-infringing, or terminate the Service Agreement and refund prepaid fees for the terminated portion.
11. Confidentiality
Each party ("Receiving Party") agrees to maintain in confidence all non-public information received from the other party ("Disclosing Party") that is marked as confidential or would reasonably be understood to be confidential given the nature of the information and circumstances of disclosure ("Confidential Information"). Confidential Information includes: (a) for Zarv: algorithms, models, methodologies, source code, technical architecture, product roadmaps, pricing strategies, business plans; (b) for Client: personal data processed through Services (governed additionally by our DPA and Privacy Policy), business strategies, financial information, proprietary data sets submitted to Zarv. Obligations: Receiving Party will: (i) protect Confidential Information using at least the same degree of care it uses for its own confidential information, but no less than reasonable care; (ii) use Confidential Information only for purposes of performing under these Terms; (iii) limit disclosure to employees, contractors, and advisors with a need to know who are bound by confidentiality obligations at least as protective as these Terms. Exceptions: Confidential Information does not include information that: (a) is or becomes publicly available through no breach of these Terms; (b) was rightfully known prior to disclosure; (c) is rightfully received from a third party without confidentiality obligations; (d) is independently developed without use of Confidential Information. Compelled Disclosure: if Receiving Party is compelled by law or court order to disclose Confidential Information, it will provide prompt notice to Disclosing Party (if legally permitted) to allow challenge or seek protective order, and will disclose only the minimum information required. Confidentiality obligations survive termination of these Terms for 5 years, except for trade secrets which remain confidential for as long as they qualify as trade secrets under applicable law.
12. Term, Termination, and Suspension
Term: these Terms commence when you first access the Services and continue until terminated as described below. Service Agreements typically have initial terms of 12 months with automatic renewal unless either party provides 60 days written notice of non-renewal. Termination for Convenience: either party may terminate the Service Agreement with 60 days prior written notice to the other party. Early termination by Client does not entitle Client to refund of prepaid fees unless otherwise specified in the Service Agreement. Termination for Cause: either party may terminate immediately upon written notice if the other party: (a) materially breaches these Terms and fails to cure within 30 days of written notice; (b) becomes insolvent, files for bankruptcy, or undergoes similar proceedings; (c) engages in fraudulent or illegal conduct related to the Services. Zarv may terminate immediately without notice if Client: (i) poses a security risk to the platform or other clients; (ii) uses Services for prohibited purposes described in Section 4; (iii) fails to pay undisputed fees more than 45 days after due date. Suspension: Zarv may suspend access to Services immediately without liability if: (a) account is more than 30 days past due (with 10 days notice); (b) Client's use poses security or legal risk; (c) required by law or legal process; (d) investigation of suspected violations is underway. Zarv will provide notice of suspension when reasonably practicable and will work with Client to resolve issues enabling reinstatement. Effects of Termination: upon termination: (i) all licenses granted to Client immediately terminate; (ii) Client must cease use of Services and delete all copies of Zarv software, documentation, and data obtained from Services; (iii) Client must pay all outstanding fees for Services used through the termination date; (iv) Zarv will make Client's submitted data available for download for 30 days post-termination, after which it will be deleted per our data retention policy; (v) Sections 5, 6, 9, 10, 11, and 13 survive termination. Post-termination assistance (extended data retention, migration support) may be available for additional fees.
13. Governing Law, Dispute Resolution, and Venue
Governing Law: these Terms and any disputes arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the Federative Republic of Brazil, without regard to conflict of law principles. For clients located in the European Union, mandatory consumer protection laws of your country of residence may also apply. Informal Resolution: before initiating formal dispute resolution, the parties agree to attempt good-faith informal resolution by providing written notice describing the dispute and proposed resolution to the other party's legal department. Senior representatives from each party will meet (in person or virtually) within 30 days to attempt resolution. Arbitration (for US clients): for clients based in the United States, any dispute not resolved informally shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration will be conducted by a single arbitrator in English in São Paulo, Brazil (or mutually agreed location). The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Each party bears its own costs and attorneys' fees unless the arbitrator awards fees to the prevailing party. This arbitration provision does not preclude either party from seeking injunctive relief in court to prevent irreparable harm. Jurisdiction and Venue (for non-US clients): for clients outside the United States, any dispute not resolved informally shall be submitted to the exclusive jurisdiction of the courts of São Paulo, State of São Paulo, Brazil. Each party irrevocably submits to the jurisdiction of such courts and waives any objection based on inconvenient forum. Class Action Waiver: you agree to resolve disputes with Zarv on an individual basis and waive any right to participate in class actions, class arbitrations, or representative proceedings. Exceptions: either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property rights or confidential information without waiting for informal resolution or arbitration.
14. Force Majeure
Neither party shall be liable for any failure or delay in performance under these Terms due to causes beyond its reasonable control, including but not limited to: acts of God, natural disasters (earthquakes, floods, hurricanes), war, terrorism, civil unrest, labor strikes, government actions, epidemics or pandemics, internet or telecommunications failures, third-party cloud infrastructure outages (AWS, Google Cloud), cyberattacks or DDoS attacks, power failures, or supplier failures. The affected party must: (a) provide prompt notice to the other party of the force majeure event; (b) use commercially reasonable efforts to mitigate the impact and resume performance; (c) resume performance promptly when the force majeure event ceases. If a force majeure event prevents Zarv from providing Services for more than 30 consecutive days, either party may terminate the affected Service Agreement without penalty, with Client entitled to pro-rata refund of prepaid fees for Services not delivered.
15. General Provisions
Entire Agreement: these Terms, together with your executed Service Agreement, DPA, Privacy Policy, and any SOWs, constitute the entire agreement between you and Zarv regarding the Services and supersede all prior agreements, representations, and understandings. In case of conflict, the order of precedence is: (1) executed SOW, (2) executed Service Agreement, (3) these Terms, (4) DPA, (5) Privacy Policy. Amendments: Zarv may modify these Terms at any time by posting updated Terms on our website or providing notice to your registered email. Material changes will be effective 30 days after notice. Your continued use after the effective date constitutes acceptance. If you do not agree to changes, your remedy is to terminate the Service Agreement per Section 12. Assignment: you may not assign, transfer, or delegate these Terms or your rights hereunder without Zarv's prior written consent. Zarv may assign these Terms in connection with a merger, acquisition, or sale of substantially all assets without consent. Severability: if any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force, and the invalid provision will be modified to the minimum extent necessary to make it enforceable. Waiver: failure to enforce any provision does not waive the right to enforce it later. Waivers must be in writing and signed by the waiving party. No Third-Party Beneficiaries: these Terms are solely for the benefit of the parties and do not create rights for any third party. Notices: all notices must be in writing and delivered to the addresses specified in the Service Agreement or these Terms. Notices to Zarv should be sent to: legal@zarv.com and Zarv Inc., Legal Department, São Paulo, SP, Brazil. Electronic notices are effective upon transmission if during business hours, otherwise on the next business day. Relationship: the parties are independent contractors. These Terms do not create a partnership, joint venture, employment, or agency relationship. Export Compliance: Client will comply with all applicable export control and sanctions laws. Client represents that it is not located in, under the control of, or a national or resident of any embargoed country or on any government restricted party list. Language: these Terms are executed in English. If translated, the English version controls in case of conflict. Interpretation: headings are for convenience only. 'Including' means 'including without limitation.' Ambiguities shall not be construed against the drafting party.
16. Contact Information
For questions about these Terms, Service Agreements, or technical support: General Inquiries: contact@zarv.com. Legal and Contract Matters: legal@zarv.com. Technical Support: support@zarv.com or through your dashboard support portal. Data Protection Officer (Privacy): privacy@zarv.com. Billing and Accounts: billing@zarv.com. Security Incidents: security@zarv.com (for urgent security matters). Postal Address: Zarv Inc., São Paulo, SP, Brazil. Support Hours: Email support is available 24/7. Live chat and phone support are available Monday-Friday, 9:00-18:00 BRT (Brazilian Time), with emergency on-call support for critical production issues per your SLA tier.
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