Terms of service

These terms govern your use of Zenboox (“the platform”, “we”). By opening an account, depositing funds or using any part of the service, you accept them. If you do not accept them, do not deposit.

The platform is operated under the name Zenboox. Where these terms say “we”, they mean the operator of that platform.

A few words carry a specific meaning throughout this agreement. Where they appear, they mean this and nothing wider.

• “Platform”, “we”, “us” — the operator of Zenboox and the systems described here.
• “Account” — the record we keep of your identity, balance and activity, reached by signing in with your email address.
• “Balance” — the amount our ledger records as owed to you. It is a claim on us, not an on-chain holding you control.
• “Deposit” — value you send to an address we generate, credited to your balance once the network confirms it.
• “Plan” — a published set of parameters (rate, term, lock period, limits) under which an investment accrues.
• “ZNBX” — the platform token. It is issued and priced by us and does not trade on any exchange.

This is a custodial service, and that single fact shapes everything below. Deposits are sent to wallets the platform controls. Your balance is a claim on us recorded in our ledger — it is not a wallet you hold keys to, and no smart contract holds it on your behalf.

Practically, this means you rely on us to hold the assets, to record your balance correctly and to release funds when you withdraw. Anything that stops us from doing that — insolvency, loss of wallet access, seizure, or our own failure — affects your balance directly.

You may open an account only if all of the following are true. Registering when they are not is a breach of these terms, and we may close the account and return the remaining balance to its source.

• You are at least 18 years old and legally able to enter into this agreement.
• You are not a resident of, or located in, a jurisdiction where this service is prohibited, and you are not subject to applicable sanctions.
• The funds you deposit are lawfully yours.
• You hold one account. Additional accounts controlled by the same person may be closed.

We are required to know who we hold funds for. We may ask you to verify your identity before, during or after you use the service, and we may ask again if your activity changes materially. Until a check we have asked for is complete, we may hold deposits, withdrawals or conversions.

You confirm that you are not subject to sanctions imposed by any authority that applies to us, that you are not acting on behalf of someone who is, and that the funds you deposit are lawfully yours. We may refuse, freeze or reverse activity where we reasonably believe otherwise, and we may report it where the law requires.

These checks are not a courtesy we can waive on request. Where a legal obligation and your preference conflict, the obligation wins, and we may be prevented by law from explaining why a particular action was taken.

You sign in with a one-time code sent to your email address. That address is therefore the key to your account: whoever can read it can sign in. Keep it secure and tell us immediately if you lose control of it.

Codes are single-use and expire. Repeated wrong attempts lock the code and a new one must be requested. Withdrawals require a separate code that cannot be used for sign-in.

You are responsible for activity carried out through your account. We may require identity verification before certain actions; where verification is required and not completed, those actions stay unavailable.

The platform accepts USDT on the networks shown in the deposit screen. Sending any other asset, or the right asset on a network we do not list, may be unrecoverable — we cannot promise to return it and in some cases cannot access it at all.

Deposits are credited after the network confirmations required for that chain. Until then the transfer is visible but not spendable. Deposits are attributed by the address that sent them; a first transfer from an unknown address may need manual attribution by an operator before it is credited.

Send only from a wallet you control. Deposits from exchanges or shared custodial wallets often arrive from an address that is not yours, which makes attribution unreliable and can delay or prevent crediting.

Funds placed into a plan accrue daily while the plan is open. Accrual is derived from the trading result of the engines the platform operates — it is a share of a result, not interest on a loan and not a fixed rate.

Returns are not guaranteed. Any figure shown in the product — historical performance, projected yield, an engine's daily result — describes the past or an estimate. It is not a promise, and past results do not predict future ones.

Accrual may be reduced, deferred or stopped where the underlying result does not support it, or where continuing would leave the platform unable to meet withdrawals. Where that happens it applies to all participants of the affected plan on the same basis.

Nothing in the product is investment, tax or legal advice. You decide what to deposit and into which plan.

Accrued amounts become harvestable and move to your available balance when you claim them. Until claimed they remain attached to the plan and are shown separately from your available balance.

A withdrawal is a request, not an instant transfer. You submit it with a one-time code; the amount leaves your available balance immediately so it cannot be spent twice, and the request enters review. An operator releases it; the person who requested a withdrawal cannot approve it.

Review is carried out by people and is not instant. We do not commit to a fixed processing time.

A network fee is deducted from the gross amount; the net figure shown before you confirm is what is sent. Minimum amounts and a daily cap apply, and both are shown in the withdrawal screen at the time you request.

The destination address must be valid for the network you selected. An address that is valid on a different network can accept the transfer and leave the funds permanently unreachable. We validate the format; we cannot verify that the address is yours. Once a transfer is broadcast it cannot be reversed.

If a released withdrawal fails on the network, the amount is returned to your balance.

ZNBX is an internal unit of account issued by the platform. It does not trade on any exchange and has no market price. The rate at which USDT converts to ZNBX is a figure we declare and can change; it is not derived from a market, an oracle or a liquidity pool.

Converting does not take money out of the platform: the USDT you spend stays with us as backing for the ZNBX issued to you, and what changes is the unit in which we owe you. Conversion is currently one-way, and the feature can be switched off.

Because ZNBX is issued by us and priced by us, holding it concentrates your exposure on the platform rather than spreading it. Treat the declared rate as our statement, not as a valuation.

You may receive a commission when someone you referred invests. Commissions are paid by the platform — they are not deducted from the referred person's capital or returns.

Referring yourself through another account, or inviting people through misleading claims about returns, voids the commission and may close both accounts.

Fees and limits in force are shown in the product at the moment you act — the withdrawal screen states the fee and the net amount before you confirm. We may change them; changes apply to actions taken after the change, never retroactively to completed ones.

What you owe in tax, to whom, and when, is yours to determine and to pay. We do not calculate, withhold or report tax on your behalf, and nothing in the product is tax advice. Your transaction history is available in the account area and is the record to give your adviser.

You can lose money, including all of it. The points below are the specific ways that happens here; read them as part of the agreement, not as a formality.

• Your balance is not a bank deposit. It is not insured or guaranteed by any deposit protection scheme.
• Returns depend on trading results that can be negative. Accrual can fall to zero.
• Because we hold the assets, our failure is your loss. Custodial risk is not diversifiable by anything you do inside the product.
• Blockchain transfers are irreversible. A wrong address or a wrong network destroys the funds sent.
• Stablecoins can lose their peg, and networks can halt, congest or be disrupted.
• Regulation of this activity is changing. A change in law can restrict or end the service in your country.

You must not use the platform to launder money, to move the proceeds of crime, to evade sanctions or taxes, or on behalf of an undisclosed third party. You must not attempt to interfere with the service, extract data from it by automated means beyond ordinary use, or exploit a defect instead of reporting it.

The platform, its interfaces, text, designs, logos and underlying software are ours or our licensors’ and stay that way. We grant you a personal, limited, revocable, non-exclusive and non-transferable right to use the service for your own account, for as long as these terms are in force.

That right does not extend to copying, reselling, framing, scraping or reverse-engineering the platform, to using our name or marks without written permission, or to building a competing service from what you learn here.

Parts of the service run on infrastructure we do not own: hosting providers, email delivery, and the public blockchain networks and node providers through which deposits and withdrawals move. We choose them with care but we do not control them, and their failure or delay can become your delay.

Where the service links to or interoperates with something we do not run, we do not endorse it and we are not responsible for it. Read its terms before you rely on it.

We may suspend an account, hold a withdrawal or close an account where we are required to by law, where verification is outstanding, or where there is a well-founded suspicion of the conduct described above. The reason is recorded.

You may stop using the service at any time. Withdraw your balance first: closing does not itself move funds, and any amount left behind stays subject to these terms.

You may close your account at any time. Withdraw your balance first: closing does not move funds, and an investment that is still locked must reach the end of its term before it can be withdrawn. Records we are required to keep survive closure — see the privacy policy.

If an account shows no sign-in and no activity for a long period we may treat it as dormant, contact you at the address on file, and restrict it until you confirm it is still yours. We do not take a fee for dormancy.

We may update these terms. The current version is always the one published here. Where a change materially affects your rights we will surface it in the product; continuing to use the service after that is acceptance. If you do not accept a change, withdraw your balance and stop using the service.

The service is provided as it is. To the fullest extent permitted by law we are not liable for losses caused by events outside our control — network failures, chain reorganisations, stablecoin de-pegging, regulatory action — nor for indirect or consequential loss, including lost profit or expected yield.

Nothing here excludes liability that cannot lawfully be excluded, including liability for fraud.

If your breach of these terms, your misuse of the service, or your infringement of someone else’s rights causes a claim against us, you will cover the reasonable cost of dealing with it, including legal fees. We will tell you about any such claim promptly and will not settle it without asking you first.

We are not in breach of these terms for a delay or failure caused by something no reasonable party could control: network outages, chain halts or reorganisations, failures at a stablecoin issuer, acts of government, war, natural disaster or large-scale infrastructure failure. Where such an event lasts, we will tell you what it means for your balance as soon as we can say something accurate.

Start with us. Write to support@zenboox.com with your account email, what happened and what you want done. We will acknowledge your complaint and give you a substantive answer or a clear reason for delay.

If that does not resolve it, both sides agree to try in good faith to settle the dispute directly for thirty days before starting proceedings. This does not stop either side from seeking urgent relief from a court where waiting would cause harm that cannot be undone.

Claims are brought individually: neither side will bring or join a class, collective or representative action against the other. This paragraph does not apply where you are a consumer and the law of your country does not permit such a waiver — in the EU, the EEA and the United Kingdom it does not, and your right to collective redress is unaffected.

These terms, and any dispute arising out of or in connection with them, are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law rules. The state and federal courts located in Delaware have exclusive jurisdiction, subject to the section below.

A contract has one governing law. Where the section below gives you rights that Delaware law would not, those rights are not replaced by this clause — they sit on top of it.

The choice of law above does not deprive you of the protection of the mandatory consumer-law provisions of the country where you habitually reside. Where those provisions give you stronger rights than these terms, the stronger rights apply and this agreement is read accordingly.

You may bring proceedings against us in the courts of your country of residence, and we will bring proceedings against you only in those courts. The exclusive-jurisdiction clause above does not apply to you.

The European Commission operates an online dispute resolution platform at ec.europa.eu/odr. We would rather resolve a complaint directly and usually can, but that route exists and we are required to point at it.

Your personal data is governed by the GDPR — and, in the United Kingdom, the UK GDPR — regardless of the law chosen above. A choice of law cannot switch data protection off. The privacy policy sets out how it applies.

The usual mechanics of a written agreement, stated plainly so they are not a surprise later.

• Assignment — you may not transfer your account or your rights under these terms. We may transfer ours to a successor of the business, and will tell you if we do.
• Severability — if a clause is unenforceable, the rest stays in force and the clause is read as narrowly as it must be to work.
• Waiver — not enforcing a right on one occasion does not give it up for the next.
• Entire agreement — these terms and the privacy policy are the whole agreement between us about the service, and replace anything said before.
• Notices — we write to the email address on your account and you write to support@zenboox.com. Keep your address current; a notice sent to a stale address still counts as given.

Questions about these terms, or about anything in your account, go to support@zenboox.com.