Terms & Conditions

By signing up, accessing or using Znap, whether via the mobile and/or any other available electronic medium, you agree to be bound by these Terms & Conditions. If you choose NOT to accept these terms and conditions or any of its revisions, please do not proceed and immediately discontinue your access and/or use of Znap.

Znap reserves the right to revise the Terms and Conditions at any time. Notification of the changes will be emailed to you on your registered email address, it is your responsibility to view and read the Terms updated. Any usage of Znap services after the said updates or revisions, will be deemed that you have read and agreed to the updated Terms and Conditions.

1. Definitions

The following terms shall have the respective meanings, unless otherwise stated:

Agreement means this General Terms and Conditions, any other terms and conditions that may be included by the Parties from time to time, any documents referred to in the General Terms and Conditions, together with any schedule and/or appendice agreed by the Parties, whichever applicable.

Cashback means loyalty reward given to Customers when they make a transaction on Znap at Merchant’s place or purchase a voucher of the said Merchant.

Customer means a user who registers with Znap and makes a Znapay, Bill Upload, Voucher purchase transaction to Merchant for purchase of goods and/or services.

Znap means Inquest Technologies FZE (Company Registered with Dubai Silicon Oasis Freezone holding License number: 2275), a company incorporated in Dubai with registered office at Techno Hub - 1, DTEC, Dubai Silicon Oasis, Dubai - UAE, hereinafter referred to as “Znap”.

Znapay refers to a platform or service that allows Customer to make cashless payments to Merchant via Znap mobile application, by scanning the Merchant’s QR code or paying through Merchant’s listing on Znap mobile application.

Znap Fee means the fee charged by Znap to Merchant on every Znapay / voucher transaction, as set out in Znap.

License Fee means the fee charged for the usage of Znap, as stipulated in Clause 9.

Merchant means the party and/or business who registers to become a Znap user.

Merchant IP has the meaning as stipulated in Clause 10.

Merchant Offering means goods and/or services, Cashback, discount and/or rebates agreed to be given to Customer by Merchant.

Merchant’s Takeback has the meaning as stipulated in Clause 5.1(b).

Parties means collectively, the Merchant and Znap.

QR Code means Quick Response Code, a type of matrix barcode (or two-dimensional barcode) that is generated for Merchant to accept Znapay transactions from Customer.

Third Party IP has the meaning as stipulated in Clause 10.1.

2. Parties Obligation

2.1. Znap’s Obligations
(a) Znap shall, based on the business information provided by the Merchant, design and feature Merchant’s listing.
(b) Znap, in its sole discretion, shall decide when, where and to the Merchant’s listing is published.
(c) Znap will provide a platform to allow Znap Customer to discover Merchant’s places and pay the supply bill by using Znapay.
(d) Znap will issue Cashback for every transaction paid using Znapay and purchase of vouchers, if applicable. Cashback shall mean and subject to the terms as follows:         
(i) Cashback will be issued to Customer for each specific Merchant at the Cashback rate set out and agreed by Merchant in Znap.
(ii) Cashback can be used at any Merchant’s place.
(iv) Cashback is not exchangeable for cash at Merchant’s place.
(v) Cashback is valid for a period of three (12) months, unless otherwise specified or agreed upon, from the transaction date and will be cancelled from Customer’s Znap account upon expiry.  
(vi) Znap reserves the right to change the Cashback expiry period upon notice to Merchant.
(viii) Znap will deduct the Cashback from Merchant’s payment upon the issuance of Cashback.
(ix) Unutilized, expired Cashback is not exchangeable for cash.
         

2.2. Merchant’s Obligations
 (a)  The Merchant – not Znap – is solely responsible for providing the Merchant Offering, including but not limited to, the supply or delivery of the goods and/or services, Customer service, after-sales-service and return management. The Merchant shall indemnify and holds Znap free from any possible claims from third party or Customer regarding the Merchant Offering, including, but not limited to, claims of personal injury, death or property damage. Issues arising out of or related to the supply of the Merchant Offering by the Merchant to Znap Customer do not affect Znap’s right to retain its Znap Fee.
 (b) The Merchant shall use Znap services responsibly and not use it for any unlawful activities, including but not limited to sale of counterfeit items, fraudulent activity, illegal money lending or activity that is in any way related to gambling. Merchant must have title or ownership over the goods and/or services they offer to Customer. 
(c) The Merchant shall take all reasonable precautions and diligence to prevent any unauthorised use of Znap and its features.

3. Warranties and Representations
 3.1. Merchant’s Warranties and Representations     
The Merchant warrants, represents and undertakes that:
(a) it is authorised to enter into this Agreement and that this Agreement has been accepted by an authorised representative of the Merchant;
(b) it shall inform Znap in writing immediately of any changes that could affect this Agreement;
(c) all information provided by the Merchant in Znap is accurate, complete and correct.
(d) the bank account used for the receipt of Merchant’s Takeback as set out in Znap belongs to the Merchant.
(e) it has obtained (and shall obtain and maintain throughout the term of this Agreement) all necessary licenses, consents and permissions relevant to this Agreement and to the Merchant Offering;
(f) all data and information provided by the Merchant to Znap shall (and the Merchant’s behaviour shall at all times) be in compliance with all applicable laws and regulations and in accordance with any guidelines, standards and relevant codes of practice.
(g) execution and performance of this Agreement shall not violate any provision of its
(i) constitutional documents,
(ii) any document binding upon it,
(iii) any law, regulation or decree binding on it; and
(iv) intellectual property rights of any third party; and
(h) no litigation, arbitration or any dispute, current or pending or, to its knowledge, threatened, which is likely to have a material adverse effect upon its ability to perform its obligations hereunder.

3.2. Znap’s Warranties and Representations
(a) Znap warrants, represents and undertakes that it will execute its obligations arising under or in connection with this Agreement with reasonable care and skill.
 (b) Znap does not warrant or guarantee that services offered on or through the Internet will be uninterrupted or error- free or that its services will result in any revenue or profit for the Merchant.       

4. Exclusion of Liability
 4.1. Znap does not exclude or limit any liability that cannot be excluded or limited by applicable law.
4.2. Subject to Clause 4.1, Znap shall not be liable for any indirect loss. Further, Znap shall not be liable, whether directly or indirectly, for (i) loss of actual or anticipated profits; (ii) loss of goodwill; or (iii) loss of data and/or the costs of restoration of data.
4.3. Subject to Clauses 4.1 and 4.2, Znap’s total liability under this Agreement, howsoever arising, shall in no circumstances exceed the greater of UAE Dirhams One Thousand (AED 1,000.00) Only or the cumulative total amount of the Znap Fee that Znap has received under this Agreement, whichever lower. 

5. Payment and Payment Terms
5.1. Znapay Transaction Collection
 (a) Znap shall collect from the payment of each transaction from Customer through Znapay.
 (b)Znap shall deduct from the payment (i) its Znap Fee, (ii) License fees, (iii) its Cashback amount issued to Customer; and (iv) any legally applicable VAT in respect of Clauses 5.1(a) and (b), and thereafter to remit the balance (“Merchant’s Takeback”) to the Merchant. 

5.2 Payment Terms
 Znap shall remit the Merchant’s Takeback for transacted Znap to the Merchant within fourteen (14) working days after the transaction has been confirmed in Znap unless otherwise agreed upon. For the avoidance of doubt, Znap’s Znap Fee in respect of a transaction shall become due when the transaction is confirmed and Znap is under no obligation to transfer any amounts (including, but not limited to, any Merchant’s Takeback) to the Merchant where a transaction is not made. 

The parties agree that a Znap transaction is deemed confirmed when:

(i) The Customer paid the supply bill or purchased voucher through Znap;

(ii) The Merchant has delivered the goods and/or services in full to the Customer;

(iii) The Merchant has provided to Znap evidence of (a) and (b) including the receipt id and/or other evidence Znap may reasonably request as proof of the provision of the goods and/or services, for example, but not limited to a delivery confirmation in case of delivery of physical goods.

For the avoidance of doubt, if any of the above three described requirements are not met, a Znap transaction is not confirmed and Znap is under no obligation to pay the Merchant any amount in respect of that transaction.

Any payment made by Znap to the Merchant shall be without prejudice to any claims or rights which Znap may have against the Merchant. 

6. VAT and Invoices
 Znap shall account for the amount of VAT for which it is liable, under the laws applicable to this Agreement. The Merchant shall account for the amount of VAT for which it is liable, under the laws applicable to this Agreement. 

Znap shall send an invoice to the Merchant on its Znap Fee and Cashback in compliance with applicable law. The Merchant shall provide the Customer with an invoice in compliance with applicable law. 

7. Refunds 
Znap has the right to refund any Customer of Znap who, in Znap’s reasonable opinion, has a valid complaint about the Merchant Offering, including, but not limited to, its supply or delivery. If Znap has already paid the Merchant in respect of such refunded payment, Znap may recover the refunded amount from the Merchant.

7.1 Set-off  Znap may set off against any amounts payable to the Merchant any amount owed by the Merchant to Znap (or to a third party, if such third party claims such amount from Znap or, in Znap’s reasonable opinion, will likely do so). The Merchant shall not have the right to set off any amounts owed by Znap.

8. Intellectual Property
8.1 Licensing of IP by the Merchant
 For the term of this Agreement, the Merchant grants to Znap a non-exclusive, worldwide, royalty free, paid-up, irrevocable, transferable and sub-licensable right to use the Merchant’s registered and unregistered intellectual property rights (“Merchant IP”), and any third party’s intellectual property rights supplied by the Merchant to Znap (“Third Party IP”), including, but not limited to, any editorial text or images.

8.2 Merchant’s Warranties regarding Licensed IP
 The Merchant warrants that it owns all interest in and to the Merchant IP, has licensing rights (including the right to sublicense to Znap) in the Third Party IP, and has the right to grant the license stated in this Agreement.
8.3 Znap’s IP
 The Merchant shall not use any of Znap’s intellectual property rights or prepare any derivative work based thereon.

9. Confidentiality and Privacy 
The Merchant agrees to keep strictly confidential the terms of this Agreement, all of its contents and all information that it obtained about Znap’s business, including, but not limited to, the finances, technology and affairs of Znap.
9.1 Customer Data 
Znap or an affiliated entity owns all personal data about Customer. Where Znap (or an affiliated entity or other third party) makes personal data about Customers available to the Merchant, the Merchant shall use the personal data of Customer only to fulfil its obligations in connection with the Merchant Offering, and for no other purpose. The Merchant shall ensure that at all times it implements and complies with reasonable security measures, including, but not limited to, such security measures as prescribed by applicable law, in the handling of any personal data of Customer. If the Merchant engages any third party to facilitate any of its obligations hereunder, the Merchant shall ensure that such third party complies in the same way with all of the Merchant's obligations under this Agreement.                          
9.2 Background Checks
 (a) Znap reserves the right to make general and specific credit and financial checks and credit-related enquiries about the Merchant and certain individuals and/or legal entities working with and/or for the Merchant. The Merchant consents to these checks and agrees to cooperate with Znap’s reasonable requests in respect of conducting these checks.
(b) The Merchant acknowledges that Znap may record phone calls with the Merchant for quality assurance and compliance purposes.

10. Term and Termination
 10.1.  This Agreement shall be valid and effective until this Agreement is terminated in accordance with the provisions of this Agreement.
10.2.   No fault termination: Notwithstanding Clause 12.1 above, either Party may, at any time, terminate this Agreement for whatsoever reason by giving fourteen (14) days’ written notice to the other Party.
10.3.  Termination due to breach: This Agreement may be terminated immediately on a written notice by one Party to the other where the other Party is in breach of any provision of this Agreement, where such breach is capable of remedy, and has failed to fix such breach within fourteen (14) days of written notice to do so by the non-defaulting party. Without prejudice to the foregoing, Znap reserves the right to terminate this Agreement at any time immediately by providing a written notice to the Merchant if any of the Merchant's representations and warranties is found to be untrue, false or inaccurate, the Merchant becomes insolvent or compounds with or makes arrangement with its creditors, the Merchant have a winding up order (other than for the purpose of amalgamation or reconstruction) made against it, or the Merchant have a provisional liquidator, receiver or manager of its business or undertaking duly appointed.
10.4.   In the event of termination of this Agreement, Znap shall be entitled to the Znap Fee, License Fee and Cashback; and the Merchant shall be entitled to the net payment up to the date of termination of this Agreement.
10.5.   Termination of this Agreement shall in no circumstances affect:
(i) the accrued rights or liabilities of the parties on the date of termination; and/or
(ii) the validity of any agreement arrangement and/or transaction made between the Merchant and the Customer.
10.6.   Accrual of Rights and Obligations
 Termination of this Agreement in accordance with its terms shall not affect the accrued rights or liabilities of the parties at the date of termination and shall have no effect on:
(i) the transactions already transacted prior to termination; or
(ii) the Merchant’s obligations to provide the Merchant Offering in respect of such transaction.

11. Indemnification

11.1. The Merchant agrees to defend, indemnify and hold Znap, its affiliated and related entities, and any of its respective officers, directors, agents and employees, harmless from and against any claims, lawsuits, investigations, penalties, damages, losses or expenses (including, but not limited to, reasonable attorneys’ fees and costs) arising out of or relating to any of the following:
(a) any claim by the relevant tax authorities for the tax obligations of the Merchant arising from the issuance, sale or transaction of Znap;
(b) any claim by a Znap user or anyone else arising out of or in connection with the Merchant Offering (or any goods and/or services actually or purportedly offered in respect of or in connection to Znap) or any other goods and/or services offered by the Merchant, including, but not limited to, claims for personal injury, death, or property damages; and
(c) any breach (or alleged breach) of Clauses 8,9,10.

12. Miscellaneous

12.1. This Agreement contains all the terms agreed between the parties regarding its subject matter and supersedes and excludes any prior agreement, understanding or arrangement between the parties, whether oral or in writing.

12.2. No terms and conditions or other document submitted, proposed or stipulated by the Merchant shall be binding between the parties in respect of the transaction set out in this Agreement, unless expressly agreed to in writing by Znap.

12.3. This Agreement may be amended or modified only by mutual written agreement of authorised representatives of the Parties.

12.4. No waiver by Znap of any violation or default in performance of the provisions of this Agreement shall be deemed a waiver of such provisions or the right of Znap to thereafter enforce such provisions, or any other provisions, of this Agreement.

12.5. Nothing in this Agreement shall be construed to create a joint venture, agency, partnership, or franchise between the parties. Neither Party has the authority, without the other Party’s prior written approval, to bind or commit the other Party in any way. The Merchant understands and acknowledges that Znap does work regularly with other merchants who may be direct or indirect competitors with the Merchant. By entering into this Agreement, the Merchant agrees that Znap is not precluded from entering into similar agreements with other merchants, regardless of whether they are direct or indirect competitors with the Merchant.

12.6. The Merchant is not authorised to transfer or assign its rights or obligations under this Agreement, whether by operation of law or otherwise, without Znap’s prior written consent. Znap is authorised to transfer or assign this Agreement or any of its rights thereunder to a present or future affiliate or pursuant to a merger, consolidation, reorganization or sale of all or substantially all of the assets or business, or by operation of law, without notice to the Merchant.

12.7. The Parties agree to use digital signup on Znap for the purpose of signing this Agreement; the Parties further agree that using the digital signup shall be treated with the same legal force and effect as a signature written by hand, and will not be denied legal validity solely due to the fact that the signature is in electronic form.

12.8. If any provision of this Agreement should be held to be invalid or unenforceable, the validity and enforceability of the remaining provisions of this Agreement are not affected. Such invalid or unenforceable provision shall be replaced by a valid and enforceable provision which most closely achieves the economic effect contemplated by the invalid or unenforceable provision.

12.9. This Agreement shall be governed and interpreted by the laws of UAE, without regard to its conflict or choice of law principles. Exclusive venue for any disputes shall be the courts of Dubai.

12.10. The Effective Date of this Agreement shall be the date that the last of Znap or the Merchant agrees to this Agreement or otherwise indicates its assent in writing.

13. General

13.1 Znap is currently operating under this Agreement and may transfer or enhance its operating platform to another platform at any time for any reason without notice to Merchant.