Effective Date: 01 February, 2026 

These Terms of Service (the “Terms”) between Ryze India Advisory Solutions Private Limited, a company established under the laws of India, having its registered office at Gala no. 329, 3rd floor, Linkway Estate, Chincholi, Malad West, Mumbai, Maharashtra, India, 400064 (“Ryze”, “us”, “we”, “our”) and the end users (“you”, “your”) of our website https://zynecard.in/ (the “Site”) apply to your use of any products and services offered through the Site, which we refer to collectively as the “Services”.  

The terms and conditions provided for the Services on our Site are indicative in nature. The Services are subject to definite terms, conditions, agreements, and schedules, as provided in the cardholder agreement (“Cardholder Agreement”). Your use of the Services shall also be subject to our Privacy Policy https://zynecard.in/privacy-policy. If you use the Services, you must do so in compliance with these Terms, the Cardholder Agreement and applicable law. If you do not want these Terms to apply, please do not use the Services.  

You agree that the Services offered by the Site constitute an invitation to offer. Your applying for the Services does not result in the creation of a legally binding relationship between Ryze and You. Ryze, in its sole discretion, may accept or reject any offer made by you by applying for the Services and may or may not provide the Services to you. No binding relationship in relation to the Services is established between you and Ryze unless a Cardholder Agreement has been entered into and duly executed between us. Ryze may, in its sole discretion, launch a product or service in the future. Any information regarding the Ryze products/ services, including the launch of any new product or service, shall be shared with you using the contact information shared by you. 

You may also be subject to additional policies, guidelines, or rules we post or make available (“Additional Terms”) from time to time. Such Additional Terms are deemed to be incorporated into and form a part of these Terms. If there is an inconsistency or conflict between these Terms and the Cardholder Agreement, the Cardholder Agreement will prevail. For further clarity, this document is an electronic record in terms of the Information Technology Act, 2000 (“IT Act”), amendments thereof from time to time and the rules thereunder as applicable, and the amended provisions pertaining to electronic records in various statutes as amended by the IT Act. This electronic record is generated by a computer system and does not require any physical or digital signatures. 

Please note that this Site is a pre-product launch website and currently, Ryze is not offering or providing any Services through the Site. Ryze, may, in its sole discretion, launch a product or service in the future. Any information regarding the Ryze products/ services, including launch of any new product or service shall be shared with you using the contact information shared by you.   

1. Changes to These Terms; Modifications to Services  

   1. We may change provisions of these Terms and any other agreement you have with us or our service providers or us concerning any Service we make available to you, at any time, including when there are changes in the Services, technology, laws, or for other reasons. If we do, we will provide notice by posting the updated Terms on our Site. Any changed Terms will become effective when posted. We will send advance notice to you of such changes if required under applicable law. Your continued use following the effective date of any changes will constitute your acceptance of them. If you do not agree to any changed Terms, you must discontinue using the Services. We shall not be liable to you for such inability to use the Services or the Site pursuant to our compliance with the applicable laws. 

   2. We may discontinue, temporarily or permanently, the Services, or any part of the Services, with or without notice. You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Services.  

      
      

2. Services  

   1. Services. The Site inter alia provides you with details of our credit card (“Zyne Card”) and enables you to apply for the same. Upon receiving your application, we have the right, in our sole discretion, to determine if you meet the eligibility criteria for receiving the Zyne Card and availing the corresponding services. If your application is accepted and you are issued the Zyne Card, your usage of the Zyne Card and/or any corresponding services shall be governed by our Terms, Additional Terms, Privacy Policy, and the Cardholder Agreement. Information regarding your usage of the Zyne Card, including account, transaction and payment information that may be provided via the Site are in addition to, and does not replace, your billing or periodic statement. In the event of a conflict with account, transaction or payment information provided on the Site, your relevant billing or periodic statement shall prevail. 

   2. Third-Party Product Providers. We use third-party account aggregators and technology service providers (“Third Party Services”) to link your bank accounts and enable us to gather and verify information about your financial accounts, including obtaining your consent and right to access these accounts, as well as managing and initiating transactions involving your accounts. You agree to provide true, accurate, complete, and current information about yourself and your accounts. You authorise us and these third parties to access the websites and sources of your financial accounts, on your behalf, and to gather information about you. You agree to the transfer, storage, and processing of your information by such third parties in accordance with their respective privacy policies. Please note that we will not be able to provide you with some of our services/ products if you do not consent to linking your bank accounts to avail our Services.  

   3. Credit Report Consent. YYou authorise Ryze to share your transaction records with registered credit bureaus, from time to time, for any purpose permitted under applicable law, including for any legitimate business needs in connection with any transaction initiated by you.    

   4. You hereby agree and acknowledge that at any point of time we, or a Third Party Service provider or our affiliates providing any of the Services on the Site, shall have the right to reject your applications for availing any of the Services provided on the Site at our, the Third Party Service provider's or our affiliate’s sole discretion without assigning any reason to you whatsoever, unless otherwise required under applicable law. 

   
   

3. Registration for Services 

   1. You shall be required to register and create an account with us in order to apply for the Services.  

   2. By registering for an account, you certify that: (i) you are 18 (eighteen) years and have the legal capacity to enter into a binding contract; (ii) you are an Indian resident; (iii) you have valid bank account; (iv) all information you provide to Ryze is accurate, complete, and kept up to date; (v) you are registering solely on your own behalf; (vi) you have not been previously suspended or removed by Ryze or any of its affiliates from availing the Services or have been disqualified from availing any Services; (vii) you are not and will not impersonate any person, entity or falsely state or otherwise misrepresent such person’s identity.  

   3. You are responsible for maintaining the confidentiality of your password and account, if any, and are fully responsible for any and all activities that occur under your account. You also agree to immediately notify us of any unauthorised use of your password or account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this Section. If at any time, Ryze is of the opinion that you do not satisfy the eligibility criteria, including but not limited to any misrepresentation, misuse of any Service or offers, fraudulent or suspicious activities or transactions, Ryze retains all rights to disable your access to the Site and/or suspend or terminate your use of the Services with immediate effect.  

   4. We shall process your data, including registration data in accordance with our Privacy Policy. 

   
   

4. Verification 

   1. You may be required to undertake certain additional processes with us in order to avail the Services in order for us to establish your identity and undertake know your customer processes. In this regard, we may require you to upload documents and information (“Documents”) that may be necessary for us to ascertain your eligibility to avail the Services, including the Third Party Services. 

   2. You authorise us, and any Third-Party Service providers we may engage with, to process your Documents and ascertain your eligibility to avail the Services. Any processing that we undertake shall be in accordance with our Privacy Policy.  

   3. Further, during the Term, you agree and acknowledge that we reserve the right to undertake any enhanced due diligence measures (this may include seeking any additional information, data, or documentation (collectively, “Additional Information”)), (i) either independently to satisfy ourselves; or (ii) on behalf of the Third-Party Service provider, to ensure your eligibility for the Services or for your continued use of the Services. You agree to fully cooperate and share such Additional Information promptly upon request and further authorise us to process such Additional Information.  

   4. You agree and warrant to provide true, complete, and up-to-date Documents and Additional Information to us. If we suspect that the Documents or the Additional information provided by you is unreliable or appears to be fraudulent or deficient, then we reserve the right not to provide you with the Services. Ryze does not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.  

      
      

5. Prohibited Activities 

   1. You are solely responsible for all actions and communication undertaken or transmitted by you through your account or otherwise used via the Services. We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this Section or any of the terms of these Terms, including suspending or terminating your account and reporting you to law enforcement authorities.  

   2. Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, non-sublicensable, revocable and limited licence to use the Services in accordance with these Terms, and under this licence, you agree not use the Services to:  

      1. email or otherwise upload any content that: (a) infringes any intellectual property or other proprietary rights of any person; (b) you do not have a right to upload under any law or under contractual or fiduciary relationships; (c) contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (d) poses or creates a privacy or security risk to any person; (e) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful racially, ethnically, or otherwise objectionable; or (f) in our sole judgment, is objectionable or that restricts or inhibits any other person from using or enjoying the Services, or which may expose us or our users to any harm or liability of any type;  

      2. interfere with or disrupt the Services, servers, or networks connected to the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services;  

      3. violate any applicable local, state, national, or international law;  

      4. impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person;  

      5. threaten the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, or public order, or cause incitement to the commission of any cognizable offence, or prevent investigation of any offence, or insult another nation in any manner; 

      6. use the Services in any unlawful manner, for fraudulent or malicious activities, or in any manner inconsistent with these Terms;  

      7. reverse engineer, decompile, or disassemble the Site;  

      8. take any action that may adversely affect the Services or Site;  

      9. harvest or collect email addresses or other contact information of other users from the Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;  

      10. further or promote any criminal activity or enterprise or provide instructional information about illegal activities;  

      11. collect, harvest, or otherwise obtain information about other users without their consent; or  

      12. obtain, or otherwise attempt to access or obtain, any materials or information through any means not intentionally made available or provided for through the Services.  

   3. We reserve the right to suspend or terminate your account or access to the Services if we reasonably determine that you have engaged in prohibited conduct.  

      
      

6. Commercial Use.  

   1. Unless otherwise expressly authorized in these Terms or in the Services, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer, upload, access, or use for any commercial purposes the Services or any part of the Services.  

      
      

7. Rewards  

   1. We may offer you a tiered structure of rewards and cashbacks. The terms of the rewards and offers made available to you shall be governed by the Cardholder Agreement. ‍  

8. Illegal Transactions  

   1. You must not use your Zyne Card for any illegal purpose, money laundering, financing terrorism, online gambling or any other activities prohibited under the Card Holder Agreement (“Illegal Activities”). You must not use your Zyne Card to fund any account that is set up to facilitate any Illegal Activities. We or any of our service providers may deny transactions or authorisations from merchants that are apparently engaged in, or are identified as engaged in, Illegal Activities.

        

9. Subscription Fees  

   1. Our terms governing the subscription fees or any other fees or charges shall be provided in the Cardholder Agreement.  

      
      

10. Chatbots and AI Tools  

    1. Our Services may include the use of artificial intelligence (AI) technologies, including chatbots and automated assistants, to provide support, information, or personalised insights. While these tools are designed to enhance your experience, they may at times generate responses that are inaccurate, incomplete, or not tailored to your specific circumstances.  

    2. You acknowledge and agree that any information provided by an AI-driven feature is for general informational or educational purposes only. You should independently verify the accuracy of any such information and should not rely solely on chatbot outputs when making financial, legal, or other important decisions. Ryze does not guarantee the accuracy, reliability, or suitability of AI-generated content, and disclaims liability for any losses or damages that may result from reliance on such content.  

       
       

11. Promotion 

    1. You may send all communications to our users by text messages, electronic mail, WhatsApp messages, push notifications and/or via other technology in connection with your access to the Site and as part of our promotional and marketing strategy. We may use third-party service providers to send alerts or to communicate with you. You expressly consent to receiving all messages, emails, WhatsApp messages, calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialling systems or automatic texting systems from us, any third parties and our affiliates.  

    2. We may also send notices to you by postal mail to any postal address that you have provided us. All notices by electronic methods will be deemed received by you no later than the earlier of when received or posted or 24 (twenty-four) hours after sent, except for notice by postal mail, which will be deemed received by you no later than the earlier of when received or 3 (three) business days after it is mailed. By agreeing to these Terms, you agree that we may rely on the physical address provided by you when signing up for the Services. You agree that you are under an affirmative obligation to notify us if your contact details change for any reason. 

    3. You may opt out of receiving messages by contacting us using the contact information provided in these Terms. If you wish to withdraw your consent, you may do so by discontinuing use of the Services or contacting us directly; however, doing so may limit your ability to access or use certain features of the Services.  

    
    

12. Disclaimer of Warranties  

    1. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SITE, SERVICES, AND ALL RELATED CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We make no warranty that the Services will meet your requirements, that the Services will be uninterrupted, timely, secure, or error-free, or that the quality of any products, services, information, or other material obtained by you through the Services will meet your expectations.  

    2. You assume all risk for any damage that may result from your use of or access to our Services, your dealings with any other member or third party, and your use of Ryze Content, User Content or other content available through our Services. You are solely responsible for any damage to your property (including any computer system or mobile device used in connection with our Services), or the loss of data that may result from the use of our Services or the use of any of Ryze Content, User Content or other content available through our Services.  

    3. From time to time, we may make available beta, preview, or experimental features. These features are provided solely for evaluation and convenience, may not be fully supported, and may be modified, suspended, or discontinued at any time without notice or obligation.  

    4. You further agree and acknowledge that offers provided by us may vary from user to user. 

    5. You further agree and acknowledge that we are providing no guarantees and no warranties regarding the online availability of the Site, and any material, information, links, or content presented on the Site. The Site, and any material, information, links, or content presented on the Site, may be unavailable for online access at various points in time. 

    6. Electronic communications (including email, SMS, push notifications, or data transmissions) are subject to inherent risks, and while we employ encryption and security measures as specified under our Privacy Policy, we cannot guarantee absolute security or that such communications will not be intercepted or accessed unlawfully.  

    7. By using the Services, you acknowledge and accept that the use of internet-based Sites inherently involves certain risks. These risks include, but are not limited to:  

       1. Security Risks: delays in transmission, unauthorized access, fraud, hacking, phishing, data breaches, and exposure to viruses, malware, or other malicious code.  

       2. Technology Risks: failures of hardware, software, or telecommunications systems; incompatibility with certain devices or browsers; service interruptions due to maintenance, outages, or updates; and possible loss or corruption of data.  

       3. Third-Party Risks: errors, omissions, delays, or failures by third service providers on whom the Services depend.  

       4. Regulatory and Market Risks: changes in laws, regulations, or financial market conditions that may impact on the availability, accuracy, or operation of the Services.  

       5. User Risks: reliance on inaccurate, incomplete, or outdated information provided through the Services; inadvertent disclosure of your own credentials; or misuse of your account by unauthorized persons.  

    8. Ryze cannot and does not guarantee that the Services or any data transmitted through them will be free from these risks. You agree that Ryze is not responsible or liable for any losses, damages, or inconveniences that may result from such risks, interruptions, or failures.  

       
       

13. Intellectual Property Rights  

    1. All content, software, designs, trademarks, service marks, logos, graphics, text, and other materials available on the Site and through the Services (collectively, “Ryze Content”) are the exclusive property of Ryze or its licensors and are protected under applicable law. The intellectual property of our partners and third-party providers may also appear on the Site or through the Services. Except as expressly authorized, you may not copy, modify, reproduce, distribute, display, or create derivative works from any Ryze Content or third-party intellectual property without prior written permission from the rightful owner.  

    2. You acknowledge and agree that the Services may contain content or features (“Services Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by us, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Services or the Services Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below under “User Content Transmitted Through the Services”) that you legally upload to the Services. If you are blocked by us from accessing the Services (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (for example, by masking your IP address or using a proxy IP address). Any use of the Services or the Services Content other than as specifically authorized in these Terms is strictly prohibited.  

    3. Zyne and Ryze name and logos are our trademarks and service marks (collectively, the “Zyne Trademarks”). Other product and service names and logos used and displayed via the Services may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to us. Nothing in these Terms or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Zyne or Ryze Trademarks displayed on the Services, without our prior written permission in each instance. All goodwill generated from the use of Zyne or Ryze Trademarks will inure to our exclusive benefit.  

    4. Third-Party Material. Under no circumstances will we be liable in any way for any content or materials of any third parties (including users), including for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any content. You acknowledge that we do not pre-screen content, but that we and our designees will have the right (but not the obligation) in our and their sole discretion to refuse or remove any content that is available via the Services. We and our designees have the right to remove any content that violates these Terms or is deemed by us, in our sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.  

    5. User Content Transmitted Through the Services. With respect to the content or other materials you upload through the Services (collectively, “User Content”), you represent and warrant that you own all right, title, and interest in and to User Content, including all copyrights and rights of publicity. By uploading any User Content, you grant and will grant us and our affiliated companies a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, and irrevocable license to copy, display, upload, perform, distribute, store, modify, and otherwise use User Content in any form, medium, or technology now known or later developed. We take no responsibility and assume no liability for User Content submitted by you. You acknowledge and agree that any questions or other information about the Services submitted by you to us are non-confidential, and we will be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise, without acknowledgement or compensation to you. You understand that the technical processing and transmission of the Services may involve transmissions over various networks and changes to conform and adapt to the technical requirements of connecting networks or devices.  

    6. Any comments, feedback, suggestions, or ideas you provide to us about the Services (“Feedback”) may be used by us without restriction, attribution, or compensation to you. By providing Feedback, you acknowledge and agree that we may freely use, copy, disclose, publish, or exploit such Feedback for any purpose, without any payment of royalty, acknowledgment, prior consent, or any other form of restriction arising out of your intellectual property rights. You hereby waive any rights you may have that arise out of such Feedback and agree to execute such documentation as Ryze may request to give effect to Ryze’s rights under this Clause.  

    7. Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to our or any third party’s intellectual property rights. 

    
    

14. Third-Party Websites  

    1. The Services may include links or otherwise provide access to third-party websites and resources on the Internet. We have no control over such websites and resources, and we are not responsible for and do not endorse such websites and resources. Your use of such Third-Party Services is solely at your own risk. Any interactions, transactions, or agreements you enter into with third parties are solely between you and the third party. You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, events, products, goods, or services available on or through any such site or resource. Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that we are not liable for any loss or claim that you may have against any such third party.  

    2. You are encouraged to carefully review the terms and privacy policies of any third party websites, services, or tools before engaging with them.  

    
    

15. Indemnity  

    1. You shall indemnify, defend and hold us, our third party product providers, our and their affiliates, officers, employees, directors, agents, service providers, and licensors (collectively, the “Ryze Parties”) harmless from any and all losses, liabilities, damages, costs, expenses, fees (including reasonable attorneys’ fees), claims, proceedings and actions of any kind, and injury (including death) arising out of or relating to: 

       1. your access to any content including any User Content you submit or provide; 

       2. your violation of these Terms, our Privacy Policy, Cardholder Agreement, Additional Terms or any applicable laws; and 

       3. acts, commissions or omissions, errors, misrepresentations, misconduct, negligence, fraud, forgery, violation attributable to you and/or your personnel/agents/representatives, or any third party who may use your account, your access to the Site and the Services and your use of the Site and the Services in violation of these Terms.  

    2. Ryze reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with Ryze in asserting any available defenses. You will not settle any claim subject to indemnification without Ryze’s prior written consent.  

       
       

16. Limitation of Liability  

    1. You expressly understand and agree that Ryze Parties and any Third Party Service providers will not be liable for any indirect, incidental, special, consequential, exemplary damages, or damages for loss of profits, including damages for loss of goodwill, use, data, or other intangible losses, even if Ryze or such Third Party Service providers have been advised of the possibility of such damages.  

    2. In no event will Ryze Parties’ maximum aggregate liability to you for all claims arising out of or relating to these Terms, the Privacy Policy, Cardholder Agreement, Additional Terms or the Services exceed INR 5000 (five thousand rupees). 

       
       

17. Termination  

    1. You agree that we, in our sole discretion, may suspend or terminate your account (or any part of your account) or use of the Services and remove and discard any content within the Services, for any reason, including for lack of use or if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms, the Privacy Policy, Cardholder Agreement or Additional Terms.  

    2. You agree that any termination of your access to the Services under any provision of these Terms may be effected without prior notice and acknowledge and agree that we may immediately deactivate or suspend your account. You agree that we will not be liable to you or any third party for any termination of your access to the Services.  

    3. Upon termination or suspension, your right to access and use the Services will immediately cease. Ryze may retain or delete any information or content associated with your account in accordance with our Privacy Policy and as required under applicable law.  

    4. Your ability to discontinue the use of or cancel Zyne Card shall be governed by the Cardholder Agreement.  

    
    

18. Disputes with Other Users  

    1. You agree that you are solely responsible for your interactions with any other user in connection with the Services, and Ryze will have no liability or responsibility for your interactions. You acknowledge and agree that Ryze has no obligation to become involved in any dispute between you and another user or third party. Ryze reserves the right, but has no obligation, to become involved in any way with disputes between you and any other user of the Services.  

    
    

19. Governing Law and Dispute Resolution 

    1. These Terms shall be governed by and construed in accordance with the laws of India and subject to Clause 19.2 to 19.7, any dispute concerning these Terms shall be subject to the exclusive jurisdiction of courts at Mumbai, India.  

    2. Any dispute or claim arising out of or in connection with or relating to these Terms or their breach, termination, or invalidity hereof shall be referred to and finally resolved by arbitration in Mumbai in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this Clause 19.2. 

    3. Within 30 (thirty) days of the issue of a notice of dispute, Ryze and you shall mutually agree on the appointment of a sole arbitrator. If such mutual agreement is not arrived at within the aforesaid 30 (thirty) days period, Ryze and you shall appoint such sole arbitrator in accordance with the Arbitration and Conciliation Act, 1996. 

    4. The seat of arbitration shall be Mumbai, and the arbitration proceedings shall be conducted in the English language. 

    5. You agree to keep the arbitration confidential and not disclose to any person, other than those necessary to the proceedings, any information, transcripts, or award unless required by applicable law. The decision of the arbitrator shall be final and binding on you. 

    6. The cost of arbitration shall be borne in a manner as determined by the arbitrators. In the meantime, each party shall bear its own cost for the arbitration which shall be reimbursed as per the directions in the arbitral award. 

    7. Notwithstanding any provision to the contrary, nothing in these Terms shall preclude any of your rights under applicable laws. 

       
       

20. General  

    1. Entire Agreement. These Terms constitute the entire agreement between you and Ryze and govern your use of the Services, superseding any prior agreements between you and Ryze with respect to the Services. Additional terms and conditions may apply to specific features, promotions, or Services, and if there is a conflict, those additional terms will control with respect to the applicable feature, promotion, or Service. 

    2. Severability: If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted). 

    3. Waiver: The failure of Ryze, or any of its affiliates or service providers, to exercise or enforce any right or provision of these Terms or any other agreement you enter into in connection with the Services, will not constitute a waiver of such right or provision. If any provision of these Terms or any other agreement you enter into in connection with the Services is found by a court of competent jurisdiction to be invalid, the parties agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these agreements remain in full force and effect.   

    4. Third Party Rights: No third party shall have any rights to enforce any Terms contained herein. 

    5. Assignment. You may not assign these Terms without our prior written consent, but we may assign or transfer these Terms, in whole or in part, without restriction.  

    6. Force Majeure. Ryze shall not be liable or responsible for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to natural disasters, power outages, strikes, labor disputes, shortages of supply, cyberattacks, pandemics, regulatory or governmental actions, or failures of communication or data networks. 

       
       

21. Contact Us 

    1. If you have questions, concerns, or complaints about these Terms, Cardholder Agreement, Additional Terms, our Privacy Policy, or the Services, you may contact us at:  
       Email: support@zyne.cards 

    2. We may also provide live chat or other contact methods through the Services. Please note that email or electronic communications may not be secure, and we request that you not include any sensitive personal information or full financial account numbers in any correspondence.