Terms of Service

Last updated: 1st January 2026

1. Acceptance of Terms

Welcome to zephyrlattice. These Terms of Service ("Terms") govern your use of our website, services, and Buy Now Pay Later platform provided by zephyrlattice AG ("Company", "we", "us", or "our"). By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our services. We reserve the right to modify these Terms at any time, and your continued use of our services following any changes constitutes acceptance of the revised Terms.

2. Company Information

zephyrlattice AG is a company registered in Austria with the following details:

  • Registration Number: FN284637a
  • VAT Number: ATU28463597
  • Registered Address: Graben 77, 8028 Graz, Styria, Austria
  • Email: [email protected]
  • Phone: +43 3162739751

3. Services Description

zephyrlattice provides Buy Now Pay Later (BNPL) services and related financial technology solutions to businesses operating in the European Union. Our services include payment processing, customer management tools, analytics dashboards, and integration support for e-commerce platforms.

4. User Obligations

When using our services, you agree to:

  • Provide accurate, current, and complete information during registration and use of our services
  • Maintain the security of your account credentials and notify us immediately of any unauthorised use
  • Use our services only for lawful purposes and in compliance with all applicable laws and regulations
  • Not attempt to gain unauthorised access to our systems or interfere with the proper functioning of our services
  • Not use our services to engage in fraudulent activities or violate the rights of others
  • Comply with all payment obligations and terms related to your use of our BNPL services

5. Account Registration and Security

To access certain features of our services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to immediately notify us of any unauthorised use of your account or any other breach of security.

6. Payment Terms and BNPL Services

Our BNPL services are subject to approval and specific terms that will be provided during the application process. Payment terms, interest rates, fees, and repayment schedules will be clearly communicated before you agree to use our services. You are responsible for making payments according to the agreed schedule.

7. Intellectual Property

All content, features, and functionality of our website and services, including but not limited to text, graphics, logos, software, and design, are owned by zephyrlattice or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission.

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

9. Limitation of Liability

To the maximum extent permitted by law, zephyrlattice shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, incurred by you or any third party, whether in an action in contract or tort, even if we have been advised of the possibility of such damages.

Our total liability to you for all claims arising from or related to these Terms or our services shall not exceed the amount you have paid to us in the twelve months preceding the claim.

10. Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, secure, or error-free.

11. Indemnification

You agree to indemnify, defend, and hold harmless zephyrlattice and our officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of our services or violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Austria, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Austria, and you hereby consent to the personal jurisdiction and venue of such courts.

13. Dispute Resolution

Before pursuing formal legal action, we encourage you to contact us directly to seek a resolution. If a dispute cannot be resolved through direct communication, it shall be settled through binding arbitration in accordance with Austrian arbitration law.

14. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use our services will cease immediately, but provisions that by their nature should survive termination will remain in effect.

You may terminate your account at any time by contacting us, subject to completion of any outstanding payment obligations.

15. Force Majeure

We shall not be liable for any failure or delay in performance under these Terms that is due to fire, flood, earthquake, pandemic, governmental action, war, terrorism, or other causes beyond our reasonable control.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be replaced by a valid and enforceable provision that most closely matches the intent of the original provision.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and zephyrlattice concerning our services and supersede all prior or contemporaneous communications and proposals.

18. Contact Information

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

  • Email: [email protected]
  • Phone: +43 3162739751
  • Address: zephyrlattice AG, Graben 77, 8028 Graz, Styria, Austria

19. Updates to Terms

We reserve the right to update these Terms at any time. When we do, we will revise the "Last updated" date at the top of this page. We will notify you of any material changes by posting the new Terms on our website. Your continued use of our services after such changes constitutes your acceptance of the new Terms.