1. Overview
These Terms of Service (“Terms”) govern your access to and use of the Zelos Financial Literacy & Mentoring Platform (“Zelos,” “we,” “our,” or “the Platform”). By creating an account, subscribing, or accessing any Zelos content, you agree to these Terms.
Zelos provides age-appropriate financial literacy education, mentorship resources, digital tools, and community programming for children (ages 8–12), teens (ages 13–17), and young adults (ages 18–24).
If you do not agree to these Terms, do not use the Platform.
2. Eligibility
2.1 Children (Ages 8–12)
A parent or legal guardian must create and manage the child’s account.
Children may access learning modules, videos, games, and challenges only through a supervised account.
2.2 Teens (Ages 13–17)
Teens may create an account with verifiable parental or guardian consent.
Parents or guardians may view progress, manage permissions, and control communication settings.
2.3 Young Adults (Ages 18–24)
Young adults may create and manage their own accounts independently.
Access includes advanced modules, mentorship opportunities, and financial planning tools.
3. Parent/Guardian Consent Requirement
For users under 18:
- Parents or guardians agree to these Terms on behalf of the minor.
- Parents or guardians are responsible for monitoring the minor’s activity and ensuring safe use.
- Zelos may require identity or age verification to comply with COPPA and other youth-protection laws.
4. Subscription & Payment
4.1 Subscription Plans
Zelos offers monthly and annual subscription plans. Plan details, pricing, and features are listed at the time of purchase.
4.2 Billing
Subscriptions renew automatically unless canceled.
You authorize Zelos or its payment processor to charge your payment method for recurring fees.
Failed payments may result in suspension or termination of access.
4.3 Cancellation & Refunds
You may cancel at any time through your account settings.
Cancellations take effect at the end of the current billing cycle.
Refunds are issued only where required by law or explicitly stated in Zelos policies.
5. User Accounts & Responsibilities
5.1 Account Security
You are responsible for maintaining the confidentiality of your login credentials. Notify us immediately of any unauthorized access.
5.2 Appropriate Use
Users agree not to:
- Share accounts or login credentials.
- Attempt to bypass security features.
- Upload harmful, inappropriate, or misleading content.
- Engage in bullying, harassment, or unsafe communication.
- Misuse educational tools for commercial or fraudulent purposes.
Enforcement
Zelos may suspend or terminate accounts for violations.
6. Educational Content & Mentorship
6.1 Purpose
Zelos provides educational content for informational purposes only. It is not professional financial, legal, or investment advice.
6.2 Mentorship
Mentorship interactions:
- Are educational and supportive.
- Do not constitute professional advisory services.
- Must follow Zelos safety and communication guidelines.
- May be monitored for safety and quality assurance.
7. Privacy & Data Protection
Zelos is committed to protecting user privacy, especially for minors.
7.1 Data Collected
- Account information.
- Learning progress.
- Activity logs.
- Parent or guardian contact information.
- Communication preferences.
7.2 How Data Is Used
- Deliver personalized learning experiences.
- Improve platform performance.
- Ensure safety and compliance.
- Communicate with parents, guardians, and users.
7.3 Children’s Data
For users under 13, data collection and use comply with COPPA and other applicable laws.
7.4 Third-Party Services
Zelos may use trusted third-party providers for payment processing, analytics, or communication. These providers must meet strict security standards.
8. Safety & Community Standards
Users agree to follow Zelos community guidelines, including:
- Respectful communication.
- No sharing of personal contact information.
- No solicitation or inappropriate messaging.
- Reporting unsafe behavior immediately.
Safety Enforcement
Zelos may restrict features or remove content to maintain a safe environment.
9. Intellectual Property
All Zelos content—including videos, curriculum, graphics, tools, and branding—is owned by Zelos Financial Literacy & Mentoring Program. Users may not copy, distribute, modify, or reproduce content without written permission.
10. Disclaimers
Zelos provides educational content “as is” without warranties of any kind. We do not guarantee financial outcomes, investment performance, or professional results.
11. Limitation of Liability
To the fullest extent permitted by law, Zelos is not liable for:
- Losses resulting from misuse of the Platform.
- Decisions made based on educational content.
- Unauthorized access due to user negligence.
- Interruptions, errors, or technical issues.
Responsibility for Minors
Parents or guardians assume responsibility for minors’ use of the Platform.
12. Termination
Zelos may suspend or terminate accounts for:
- Violations of these Terms.
- Unsafe or inappropriate behavior.
- Fraudulent activity.
- Nonpayment.
User Termination
Users may terminate their account at any time through account settings.
13. Changes to Terms
Zelos may update these Terms periodically. Continued use of the Platform after changes constitutes acceptance of the updated Terms.
14. Contact Information
For questions or concerns regarding these Terms or the Platform, contact:
Zelos Financial Literacy & Mentoring Program
Email: [Insert]
Phone: [Insert]
Address: [Insert]
15. Parent/Guardian Consent Form
For users under the age of 18, Zelos requires verified parental or legal guardian consent before account creation, subscription activation, or participation in any educational or mentorship activities. By completing the Parent/Guardian Consent Form, you (“Parent/Guardian”) acknowledge and agree to the terms outlined below.
15.2 Consent to Create and Manage a Minor’s Account
- You are the parent or legal guardian of the minor.
- You authorize the minor to access and use the Zelos Financial Literacy Platform.
- You understand that minors may engage with educational content, gamified learning modules, and age-appropriate financial literacy tools.
- You agree to supervise the minor’s use of the Platform and ensure compliance with all Terms of Service.
15.3 Consent to Data Collection and Use
You grant permission for Zelos to collect, store, and use the minor’s information as described in the Privacy Policy, including:
- Account details.
- Learning progress and activity data.
- Communication preferences.
- Parent or guardian contact information.
Youth Privacy Compliance
Zelos adheres to COPPA and other applicable youth-protection laws.
15.4 Consent to Communication
You authorize Zelos to:
- Send notifications related to the minor’s progress.
- Provide updates on new content, features, or safety alerts.
- Contact you regarding account management, billing, or compliance matters.
Marketing to Minors
Zelos will not contact minors directly for marketing purposes.
15.5 Consent to Mentorship Participation
If the minor participates in mentorship programming, you acknowledge that:
- Mentorship interactions are educational and supportive.
- Communications may be monitored for safety and quality.
- You may adjust or revoke mentorship permissions at any time.
15.6 Consent to Subscription and Billing
If you purchase a subscription for a minor:
- You authorize recurring billing according to the selected plan.
- You understand that cancellations must be made through your account settings.
- You accept responsibility for all charges associated with the minor’s account.
15.7 Right to Withdraw Consent
You may withdraw consent at any time by:
- Deleting the minor’s account.
- Adjusting parental controls.
- Contacting Zelos support.
Effect of Withdrawal
Withdrawal of consent may limit or terminate the minor’s access to the Platform.
15.8 Acknowledgment and Agreement
By submitting the Parent/Guardian Consent Form, you acknowledge that:
- You have read and understood the Terms of Service.
- You agree to all policies governing minors’ use of the Platform.
- You accept responsibility for the minor’s activity within Zelos.
- You consent to the collection and use of the minor’s data as described.
Electronic Consent
Your digital signature or electronic confirmation constitutes legally binding consent.
Questions?
Contact the Zelos Customer Experience Team at support@zelos.org.