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GENERAL TERMS AND CONDITIONS (T&Cs)

GENERAL TERMS AND CONDITIONS (T&Cs)

TERMS AND CONDITIONS - ZI-CHAT

1. INTRODUCTION
Welcome to ZI-CHAT. By accessing or using our platform,
you agree to comply with these General Terms and Conditions (T&Cs).
Please read them carefully before using our services.

2. PURPOSE
These Terms define the conditions for accessing and using the ZI-CHAT platform, including:
- Social media monetization
- Privacy protection
- Subscription system with cashback
- User segmentation
- Non-intrusive advertising
- Paid blog section
- Knowledge sharing
- AI Assistant
- Strategic partnerships
- Exclusive events
- France Travail job offers and the application assistant

3. REGISTRATION AND USER ACCOUNT

3.1 Account Creation
To access certain features, you must create a user account
and provide accurate, complete, and up-to-date information.

3.2 Account Security
You are responsible for maintaining the confidentiality of your credentials.
Any activity performed through your account is your sole responsibility.

4. PLATFORM USAGE

4.1 Legal Compliance
You agree to use ZI-CHAT in compliance with applicable laws
and these General Terms.

4.2 Prohibited Content
It is strictly forbidden to publish or share content that is:
- Illegal
- Offensive
- Defamatory
- In violation of third-party rights

4.3 Enforcement of Rules
ZI-CHAT reserves the right to remove inappropriate content
and to suspend or delete accounts in violation of these terms.

5. MONETIZATION AND INSTANT CASHBACK

5.1 Monetization System
ZI-CHAT offers a clear, transparent, and legally compliant monetization system based on:

An instant cashback system designed to reward users' genuine engagement;

An affiliate program, allowing each user to benefit from the value of their network.

These mechanisms aim to encourage real activity and value creation on the platform.

5.2 Eligibility Criteria for Instant Cashback
Cashback is granted immediately when all the following cumulative conditions are met:

Valid Subscription
The user must hold an active and valid paid subscription on the platform.

Real and Measurable Engagement
Eligibility is based on concrete participation in the platform's community life, including:
- Content publication
- Community interactions (comments, reactions, discussions)
- Genuine engagement with other members

Legitimate Affiliation
Each subscribed user is assigned a unique affiliate link.
Cashback is awarded to the referrer when the new user:
- Registers via the affiliate link
- Subscribes to a paid plan
- Begins active use in compliance with the platform's conditions

5.3 Calculation and Payment Terms
Cashback is credited immediately to the referrer's PayPal account.

ZI-CHAT may occasionally offer promotional campaigns,
varying the cashback rate from 10% to 50%, according to the following situations:

New user referred during a promotion
The referrer benefits from the applicable promotional rate.

New user referred outside a promotional period
The referrer receives the standard rate of 10%.

Existing user subscribing during a promotion
The referrer benefits from the promotional rate in force if the subscription
is taken out during the promotional period.

No deferred payment date, monthly validation, or delay applies.

5.4 Abuse Prevention and Compliance
ZI-CHAT reserves the right to suspend or terminate any account detected
as participating in fraudulent, artificial, or abusive activity,
and to initiate any appropriate legal action.

The cashback system is based exclusively on real activity
and does not constitute a financial instrument or investment product.

ZI-CHAT complies with applicable legislation regarding user protection
and fraud prevention.

6. PRIVACY PROTECTION AND DATA PROCESSING

6.1 GDPR Compliance
All personal data is processed in accordance with the General Data Protection Regulation (GDPR).

6.2 Identity Verification
Identification documents may be requested to:
- Prevent fraud
- Ensure account legitimacy
This complies with Directive (EU) 2015/849 on anti-money laundering
and countering the financing of terrorism.

6.3 Transparency and Consent
Users are clearly informed and must provide explicit consent
for the processing of their data, in accordance with the Privacy Policy.

6.4 User Rights
Users have the right to:
- Access and rectify their personal data
- Request deletion, except where legal retention obligations apply
- Obtain data portability in a structured and machine-readable format

6.5 Data Security
Appropriate technical and organizational measures are implemented
to protect personal data.

7. ADVERTISING AND MARKETING

7.1 Advertising Model
ZI-CHAT uses non-intrusive and preference-based advertising.

7.2 User Control
Users have full control over their advertising preferences.

8. BLOG SECTION AND KNOWLEDGE SHARING

8.1 Monetized Content
Content creators can generate revenue via the blog section,
in compliance with European e-commerce and intellectual property laws.

8.2 Professional Ethics
Professionals must guarantee transparency, accuracy,
and adherence to ethical standards.

9. AI ASSISTANT

9.1 Professional Use
An AI assistant is available for professional users
and complies with European data protection laws.

9.2 Data Protection
Voice and mobile data are processed according to strict
security and confidentiality standards.

10. STRATEGIC PARTNERSHIPS AND EVENTS

10.1 Partnerships
ZI-CHAT collaborates with brands and providers through transparent partnerships,
in compliance with European competition laws.

10.2 Events
Exclusive events and promotional items are offered to premium subscribers,
according to European advertising regulations.

11. LIABILITY AND WARRANTIES

11.1 Service Availability
ZI-CHAT strives to ensure reliable availability but cannot guarantee
uninterrupted continuity.

11.2 Disclaimer
Use of the platform is at your own risk.
ZI-CHAT disclaims all liability for any direct or indirect damage.

12. MODIFICATION OF TERMS

12.1 Updates
ZI-CHAT may modify these Terms at any time.

12.2 Notification
Substantial changes will be communicated via email
or platform notification.

13. GOVERNING LAW AND JURISDICTION
- Applicable Law: French Law
- Jurisdiction: Courts of Paris
- Dispute Resolution: Priority is given to amicable resolution
before any legal recourse.

14. CONTACT
For any questions or complaints:
Email: info@zi-chat.com

15. COOKIE POLICY
ZI-CHAT uses cookies to improve user experience,
analyze traffic, and personalize content.
Users can manage preferences via browser settings.

16. RIGHT OF WITHDRAWAL
Consumers have a 14-day withdrawal period
from the date of subscription to a paid service.
Contact: info@zi-chat.com

17. PAYMENT METHODS AND SECURITY
- Payments via PayPal or Stripe
- Transactions secured by advanced encryption
- Refunds according to the Refund Policy

18. INTELLECTUAL PROPERTY
All platform content is protected by intellectual property law.
Users retain ownership of the content they create.

19. LIMITATION OF LIABILITY
Services are provided "as is" and "as available".
ZI-CHAT is not responsible for cases of force majeure
or user misuse.

20. DISPUTE RESOLUTION
Order of resolution:
1. Amicable resolution
2. Mediation
3. Legal proceedings in Paris if necessary

21. AFFILIATIONS AND COMMISSION MODEL
The affiliation system rewards actual activity and value creation,
not simple recruitment.

22. PROOF OF WORK MODEL
ZI-CHAT operates on a Proof of Work model:
- Mandatory active participation
- Content creation and engagement required
- Distinct from pyramid or Ponzi schemes

23. TRANSPARENCY AND LEGAL COMPLIANCE
- No mandatory recruitment
- No entry fees to participate in cashback
- Full compliance with European and international laws

24. PRIVACY POLICY
Detailed information is available in the Privacy Policy,
which is an integral part of these Terms.

25. PARTNER SUBSCRIPTION TERMS

25.1 Description
Access conditions for partners are defined in individual partnership agreements.

25.2 Duration and Renewal
Subscriptions do not renew automatically unless explicitly stated.

25.3 Partner Obligations
Partners must respect these Terms, applicable laws,
and their specific contract.

25.4 Termination
ZI-CHAT may terminate access immediately in case of:
- Legal violation
- Platform misuse
- Contractual breach

25.5 Early Termination
Conditions for early termination are defined in the partnership agreement.

25.6 Liability and Indemnification
Partners agree to indemnify ZI-CHAT against any claims
resulting from misuse or legal violation.

26. USE OF THIRD-PARTY PLATFORMS VIA CHAT AGGREGATOR

26.1 Scope

The "Chat Aggregator" feature of Zi-Chat allows you to connect, via OAuth 2.0, your own accounts on YouTube, Twitch, and/or Facebook in order to display the live chats of your own broadcasts inside a unified Zi-Chat dashboard. This feature is optional and opt-in.

26.2 Acceptance of third-party terms

By activating the Chat Aggregator and connecting your account, you acknowledge that you have read and agreed to the respective terms of service of the platforms you connect:

- YouTube API Services Terms of Service: https://developers.google.com/youtube/terms/api-services-terms-of-service
- Twitch Developer Services Agreement: https://www.twitch.tv/p/legal/developer-agreement/
- Meta Platform Terms: https://developers.facebook.com/terms/

You also acknowledge Zi-Chat's adherence to those terms as a derived client.

26.3 Role of Zi-Chat

Zi-Chat acts as a technical delegated client on your behalf, not as an independent publisher of third-party content. All content accessed via these integrations remains the property and editorial responsibility of its original platform and its authors.

26.4 Your responsibility for chat content

You remain the sole responsible party for the content of your live chats on third-party platforms. Zi-Chat does not moderate, store, or rebroadcast third-party chat messages beyond the session-scoped display described in our privacy policy (section 7).

26.5 Suspension of integration

Zi-Chat reserves the right to disable any third-party integration, immediately and without notice, in the following cases:

- Breach of the respective third-party terms of service
- Suspicion of quota abuse or automated harvesting
- API changes imposed by the third party that make the integration unsustainable
- Written request from the third party to disable access
- Legal or regulatory obligation

26.6 Data protection

All data accessed via third-party APIs is governed by our Privacy Policy (see sections 7, 8 and 9), which details the limited-use disclosure required by Google and the encryption and revocation guarantees that apply to all connected platforms.

27. FRANCE TRAVAIL JOB OFFERS AND APPLICATION ASSISTANT

27.1 Origin of the offers
The job offers displayed in ZI-CHAT ("Offers near me" and "Job offers" sections) come from the France Travail job offers database, obtained through the Job Offers API of the francetravail.io platform. Each offer shows its source (France Travail) and its publication or last update date.
The reuse of this data is subject to the France Travail Job Offers Database Reuse Licence (Licence de réutilisation de la base de données des offres d'emploi de France Travail), available at:
https://francetravail.io/produits-partages/documentation/conditions-dutilisation-api/licence-offres-emploi

27.2 Independence
ZI-CHAT is an independent service. It is not affiliated with France Travail, nor mandated, approved or endorsed by France Travail. The names and logos of France Travail and of the companies belong to their respective owners.

27.3 Free job search
Searching, viewing offers and accessing the official application link are free of charge for anyone looking for a job. In accordance with articles L. 5321-3 and L. 5331-1 of the French Labour Code, ZI-CHAT does not charge any fee for connecting a person with a job offer and does not sell any job offer.
Any paid options relate only to writing assistance tools (CV, cover letter) and never condition access to the offers or the possibility to apply.

27.4 Freshness, integrity and display processing
Offers are retrieved from France Travail at the time of the search and updated at least once every 24 hours; an offer withdrawn by France Travail is no longer displayed. ZI-CHAT displays the offer as provided by France Travail, without altering its content.
To make searching easier, ZI-CHAT calculates the distance between the municipality chosen by the user and the place of work, sorts the results by relevance or distance, and may extend a keyword search to close variants. This processing does not modify the offers themselves.

27.5 Applying
To apply, the user is redirected to the official channel indicated in the offer (France Travail website or the employer's website). ZI-CHAT does not submit any application on the user's behalf and plays no part in the recruitment decision.

27.6 Application assistant (AI)
At the user's request, the AI assistant can analyse an offer and the user's CV in order to suggest a tailored CV and a draft cover letter. These documents are suggestions: the user reviews and edits them and remains solely responsible for their content and for sending them.
The data sent to the AI model is limited to what is necessary and, where possible, personal data is masked before sending. By default, the model is hosted in the European Union. If the user connects their own key from a third-party AI provider, that provider's terms also apply. Details are set out in the Privacy Policy.

27.7 No administrative value
ZI-CHAT does not issue any proof, certificate or attestation of job search. Monitoring job-search steps, checking them and issuing attestations are the sole responsibility of France Travail. Any history shown in ZI-CHAT is the user's personal log and has no administrative value.

27.8 Prohibited use
It is forbidden to extract, bulk copy, resell or reuse the offers displayed in ZI-CHAT, or the recruiters' contact details they contain, in particular to build a prospecting or customer file.

27.9 Withdrawn offers
When an offer is withdrawn by France Travail, it is no longer displayed in ZI-CHAT. Only the documents written by the user (CV, cover letter) remain in their personal space.

27.10 Liability
Neither France Travail nor ZI-CHAT guarantees that the job offers are complete, accurate or up to date. ZI-CHAT cannot be held liable for the content of an offer, its withdrawal, or the outcome of an application.

28. RETENTION, DELETION AND EXPORT OF MESSAGES

28.1 Retention and deletion of messages
By default, ZI-CHAT does not delete any message. Each user decides, conversation by conversation, whether their messages should disappear automatically, and after what period: 24 hours, 7 days or 90 days.
This setting applies only to your own copy. When you enable automatic deletion, messages disappear on your side at the chosen time; the other person keeps theirs until they make the same choice. A message is permanently erased from our servers only when both participants have made it disappear.
This is deliberate: it ensures that no one can, by their decision alone, make disappear the messages that another person has received and wishes to keep.
In groups, automatic deletion is decided by the administrator and applies to all members. A message informs the group each time it changes.

28.2 Exporting your conversations
You can download an entire conversation as a PDF at any time, from the "+" menu next to the input field.
The document produced is timestamped and signed by our servers. It carries an export identifier, and its digital fingerprint is kept in an internal register. Upon a judicial request, ZI-CHAT can confirm that a document presented did come from its servers, on the date shown, for a conversation between two specific accounts, and that it has not been modified since.
Scope of this signature: ZI-CHAT certifies neither the identity of the people behind the accounts nor the truthfulness of what was said. This document is not a qualified timestamp within the meaning of the eIDAS regulation.
Messages deleted by a participant appear in the export as "message deleted", without their content, and the number of deleted or edited messages is stated at the top of the document. A conversation of which part has been erased therefore cannot be presented as complete.

28.3 What we keep in the export register
The register contains no message content: only the export identifier, its date, the accounts concerned, the number of messages, the digital fingerprint and the IP address of the request. If the messages are later deleted, the fingerprint remains verifiable but we can no longer reconstruct their content.