"zeta" Terms of Service

Effective Date: August 21, 2026

Last Updated: August 14, 2026

Welcome to zeta.

These Terms of Service ("Terms") are a legal agreement between you and Scatterlab, Inc. ("Company," "we," "us," or "our") that governs your use of the zeta AI story platform — including our website, mobile applications, and all related services (collectively, the "Services").

Please read these Terms. A few things are worth flagging upfront:

  • Section 10 contains a mandatory arbitration agreement and class action waiver. It includes a 30-day opt-out right if you prefer not to be bound by it.
  • Disputes are resolved through JAMS-administered arbitration. If 25 or more similar claims are filed, a Mass Arbitration process applies; 75 or more triggers a Bellwether two-stage process.
  • Claims must be filed within one year of arising.

By creating an account or using the Services, you agree to these Terms. If you do not agree, please do not use the Services.

Where these Terms apply. These Terms govern the Services where we offer them in the English language — including in the United States, Canada, Australia, New Zealand, and Singapore. Users in the Republic of Korea and Japan are governed by the separate localized terms published for those markets, not by these Terms. Region-specific privacy information is provided in our Regional Privacy Disclosures. If you are a consumer outside the United States, the mandatory consumer-protection and data-protection laws of your country of residence continue to apply to you and prevail over any conflicting provision of these Terms — including the governing-law, venue, and arbitration provisions — to the extent those provisions cannot lawfully be waived.

1. Definitions

A few terms we use throughout these Terms:

  • "Services" means the zeta platform and all related features accessible through zeta, regardless of device. Users may enjoy stories based on AI-powered content ("Plots").
  • "User" or "you" means any person aged 13 or older who accesses or uses the Services.
  • "Character" means an AI-powered conversational agent within the Services.
  • "Plots" means user-created content for AI character-based play, including background stories, character settings, and conversation rules.
  • "User Content" means any content — text, images, audio, or other data — that you submit, create, or generate through the Services, including Plots and conversational outputs.
  • "AI Tools" means the generative AI-based tools we provide to support content creation through the Services.
  • "Prompts" means the text or other materials you submit to the AI Tools for processing.
  • "Output" means the responses the AI Tools generate from your Prompts. Other users may receive similar Outputs from similar Prompts.
  • "Pieces" means the virtual goods available through the Services, described further in Section 7.
  • "Feedback" means any ideas, suggestions, or recommendations you share with us about the Services.

2. Your Account

This Section governs the creation and maintenance of your zeta account.

2.1 Contract Formation

Your agreement with us is formed when you accept these Terms and complete registration. It takes effect the moment we confirm your account is active.

2.2 Beta Testing

During beta periods, we may limit new registrations to maintain service stability. Registration may be limited or deferred during this period.

2.3 Registration

You are responsible for providing accurate information when you register, keeping your password secure, and everything that happens under your account. If you suspect unauthorized access, let us know immediately at contact@zeta-ai.io. We may refuse, suspend, or terminate accounts as described in Section 11.

2.4 Age Requirements

zeta is not for children under 13. If you are under 13, you may not create an account or use any part of the Services — including the feed, interactive features, or user-generated content functionality. We do not knowingly collect personal information from children under 13 in accordance with COPPA. For how we handle minors' data, see our [Privacy Policy].

If you are between 13 and 18 (or the age of majority in your jurisdiction), a parent or legal guardian must review and agree to these Terms on your behalf. As a parent or guardian, you are responsible for supervising your minor's use and ensuring they follow these Terms.

California Minor Content Removal (SB 568). If you are a California resident under 18 and have publicly posted content on the Services, you may request its removal by contacting contact@zeta-ai.io. We will process such requests in accordance with California Business and Professions Code § 22581.

2.5 Inactive Accounts

If your account is inactive for one year or more, we may mark it dormant. We may notify you by email before suspending or closing it.

3. Community Standards

zeta is a creative platform, and we want it to stay that way — safe, expressive, and enjoyable for everyone. This section describes what is and isn't acceptable.

3.1 General Conduct

You are responsible for how you use the Services and the content you create. You may not use the Services for any unlawful purpose or in a way that violates the rights of others, including intellectual property, privacy, and publicity rights.

3.2 Harmful Content

To keep zeta safe for everyone — especially younger users — you may not create, upload, submit, share, or generate content that depicts, promotes, facilitates, or provides instructions for any of the following. The categories below are illustrative and not exhaustive; any content that is unlawful or that otherwise violates these Terms is prohibited even if not specifically listed.

  • Child sexual abuse material (CSAM) of any kind — including any content that sexualizes, exploits, or grooms a minor, the sexual extortion of a minor, and any depiction of a minor in a sexual or abusive manner, whether real, fictional, animated, or AI-generated. We remove such content promptly upon detection or verified report, and we report it to the National Center for Missing & Exploited Children (NCMEC) and to law enforcement as required by applicable law, including 18 U.S.C. § 2258A.
  • Non-consensual intimate imagery (NCII) — an intimate or sexually explicit image or video of an identifiable person, whether authentic or computer-generated (including "deepfakes"), that is created or shared without that person's consent, as well as any threat to create or share such material (sextortion). See Section 3.8 for how to request removal.
  • Hate speech — content that dehumanizes, threatens, or promotes violence or discrimination against any person or group based on race, ethnicity, national origin, gender, gender identity, sexual orientation, religion, age, disability, or other protected characteristics.
  • Harassment, bullying, threats, or stalking — targeting, intimidating, or threatening violence against any person, including sexual harassment (unwanted sexual advances or conduct of a sexual nature directed at another person without their consent).
  • Content that glorifies, normalizes, encourages, or provides instructions for self-harm, suicide, eating disorders, or other self-destructive behavior.
  • Content that promotes, glorifies, or provides material support for terrorism or violent extremism.
  • Content that facilitates the buying, selling, or trafficking of illegal drugs or controlled substances, weapons, or other illegal goods or services.
  • Doxxing — publishing or sharing another person's private or personal information (such as home address, phone number, or financial or government identifiers) without their consent.
  • Misinformation or fabricated statements designed to damage the reputation or safety of a real person or organization.
  • Unauthorized use or impersonation of any real person's name, likeness, voice, or persona (including "deepfakes") in a manner that violates their right of publicity or is designed to deceive others about a person's identity or statements, outside clearly labeled non-commercial parody or public commentary.
  • Sexually explicit or pornographic content, except within an adults-only mode ("Unlimited Mode") that is not made available to, directed at, or accessible by any user we know or reasonably believe to be under 18. Where applicable law requires, we may require age verification. Even within Unlimited Mode, content that exceeds the limits set out in our content guidelines by being excessively graphic or salacious, and any content that is obscene or otherwise unlawful, remains prohibited. The other categories in this Section (including CSAM and NCII) are prohibited in all modes, without exception.

3.3 Technical Abuse

These restrictions protect the integrity and security of the platform for all users:

  • You may not reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Services.
  • You may not use hacking tools, bots, viruses, trojan horses, or DDoS attacks to disrupt or gain unauthorized access to the Services.
  • You may not engage in spidering, harvesting, scraping, or any automated data collection from the Services — including content or contact information belonging to other users — without our prior written consent.
  • You may not solicit personal information from anyone under the age of 18, or collect or use personal information of minors in violation of applicable law, including COPPA.
  • You may not circumvent, disable, or interfere with any security features, content restrictions, or usage limitations of the Services.
  • You may not use AI-generated outputs from the Services to train competing AI models or build competing products without our express written permission.

3.4 Platform Integrity

These rules help ensure zeta remains a trustworthy and fair place for everyone:

  • You may not impersonate any person or entity, or misrepresent your affiliation with any person or entity.
  • You may not share, sell, or transfer your account to another person.
  • You may not use the Services for commercial purposes — including advertising, promotional, or political activities — without our prior written consent.
  • You may not spread false information or rumors about the Services.
  • You may not publicly post, share, or distribute screenshots, prompts, instructions, or other materials whose primary purpose is to demonstrate or facilitate methods to bypass the Services' safety measures or content restrictions, or to otherwise circumvent or violate these Terms.
  • You may not engage in unauthorized trading of Pieces or other virtual goods.

3.5 Fair Use Policy

We ask that you use the Services responsibly. Abusive patterns — including abnormal automated activity, scripted usage at scale, or sharing login credentials with others — undermine the experience for everyone. If we detect such activity, we may suspend or terminate your account without prior notice. Refunds may be limited in such cases.

3.6 Content Reporting

If you see something that doesn't belong on zeta, please report it. You can use the in-app reporting feature or reach our team at https://support.zeta-ai.io/. We use both automated systems and human review to identify illegal content, including CSAM and terrorism-related material. For how we handle report data, see our [Privacy Policy].

3.7 Suggested Content

The Services may surface personalized recommendations — Characters, Plots, or features — based on your activity and preferences. These suggestions are for your convenience only; they are not endorsements. You are responsible for evaluating any content you choose to engage with.

3.8 Non-Consensual Intimate Imagery (NCII) — Notice and Removal

If an intimate visual depiction of you — whether authentic or computer-generated — has been made available on the Services without your consent, you or your authorized representative may request its removal. You can submit a request through the in-app reporting tool (using the report option for inappropriate or non-consensual images) or through our support channel at https://support.zeta-ai.io/ (or contact@zeta-ai.io). A valid request should include: (i) a physical or electronic signature; (ii) enough information for us to locate the content; (iii) a good-faith statement that the content depicts you (or the individual you represent) and was created or shared without consent; and (iv) your contact information and, where you act as an authorized representative, the basis for your authority. Upon receiving a valid request, we will remove the reported content, and make reasonable efforts to identify and remove known identical copies, within 48 hours, consistent with the TAKE IT DOWN Act. This process is separate from, and in addition to, our DMCA copyright process in Section 4.8. We may retain limited information about removed content as necessary to comply with legal obligations, prevent re-upload, or cooperate with law enforcement.

4. Your Content

This Section describes how ownership and licensing apply to your content on zeta.

4.1 Your Responsibility

You are responsible for the User Content you submit. By submitting content, you represent that you own it or have the rights to use it as described in these Terms. We do not endorse or guarantee the accuracy of any User Content.

4.2 Ownership and License

You retain ownership of your User Content. The licenses below are limited to the purposes described below: operating, providing, improving, developing, and promoting the Services.

  • Plots: You retain ownership of every Plot you create. You grant us a worldwide, non-exclusive, perpetual, irrevocable (subject to applicable law, including 17 U.S.C. § 203), royalty-free, sublicensable, and transferable license to use, display, and distribute your Plot including to operate, provide, improve, and develop the Services. For how Plot data may be used for AI training or shared with third parties, see our [Privacy Policy].
  • Generated Content: You own the conversational outputs you generate. You grant us the same license described above, including to operate, provide, improve, and develop the Services. For data use details and opt-out options, see our [Privacy Policy].
  • Promotional Use: We may use User Content to promote and market the Services. Except for content you have chosen to make public, we will use only de-identified or aggregated User Content for external marketing or advertising, and we will not use the content of private conversations, or any content of users we know to be minors, for such purposes without your separate consent.
  • Third-Party Sharing: We may share your User Content with third parties only as described in our [Privacy Policy].
  • Moral Rights: To the fullest extent permitted by applicable law, you waive, and agree not to assert against the Company or its licensees, any moral rights or similar rights (such as rights of attribution or integrity) in your User Content, solely to the extent necessary for us to exercise the license granted above.
  • Survival of Prior Uses: To the extent any grant above is subject to a non-waivable statutory termination right (including under 17 U.S.C. § 203), any reproduction, adaptation, or derivative work we created under the license before such termination becomes effective may continue to be used, displayed, and distributed after termination.

4.3 Feedback

If you provide ideas or suggestions about zeta, we may use them. Any Feedback you provide is assigned to the Company. If that assignment is ever ineffective for any reason, you grant us a perpetual, royalty-free, worldwide license to use it freely. We are not obligated to provide any compensation for Feedback.

4.4 Content Moderation

We may review, screen, or remove User Content at any time and for any reason, including if we believe it violates these Terms. We are not obligated to pre-screen content.

4.5 Our Intellectual Property

The Services — including their design, software, and all Company-created content — belong to Scatterlab, Inc. and its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial use. No other rights are implied.

4.6 Content Maturity Labels

Some content on the Services may carry maturity labels or content descriptors. These labels may change over time based on user reports or legal requirements. We are not responsible for the accuracy or completeness of any content maturity label.

4.7 AI Output and Intellectual Property

AI-generated Outputs are produced probabilistically and may reflect patterns derived from a wide range of third-party content. The Company is not responsible for any intellectual property infringement arising from your use, reliance on, or distribution of AI-generated Outputs. If you use or share any Output, you do so at your own risk and bear sole responsibility for any resulting claims.

4.8 Copyright Complaints (DMCA)

We respect intellectual property rights. If you believe content on zeta infringes your copyright, please send a written notice to our Designated Copyright Agent with the following:

  • A physical or electronic signature of the rights holder or authorized representative.
  • A description of the copyrighted work claimed to be infringed.
  • A description of where the allegedly infringing material appears on the Services.
  • Your contact information (address, phone, email).
  • A statement of good faith belief that the use is not authorized.
  • A statement, under penalty of perjury, that the notice is accurate and you are authorized to act.

Designated Copyright Agent:

Scatterlab, Inc. — Operation Team

(04766) 125 Wangsimni-ro, Seongdong-gu, Seoul, Rooms 901 and 902 (KD Tower)

+82 70-4099-5959 | copyright@zeta-ai.io

Knowingly misrepresenting infringement may result in liability under 17 U.S.C. § 512(f).

4.9 Counter-Notices

If your content was removed following a DMCA notice and you believe the removal was a mistake, you may send a counter-notice to our Copyright Agent including:

  • Your signature.
  • Identification of the removed content and where it appeared.
  • A statement, under penalty of perjury, that you believe the removal was a mistake.
  • Your contact details and a statement consenting to the jurisdiction of the U.S. federal or state courts in the State of Texas and agreeing to accept service of process.

If we receive a valid counter-notice, we may restore your content within 10–14 business days unless the original complainant files a court action.

We have a policy of terminating repeat infringers' accounts in appropriate circumstances.

5. AI Tools and Outputs

zeta uses generative AI to power its story experiences. The following provisions apply to your use of these AI features.

5.1 How the AI Works

The Services rely on AI Tools to generate content based on your Prompts. Your Prompts and Outputs are your User Content, subject to Section 4. Because AI is probabilistic, other users submitting similar Prompts may receive similar Outputs — this is expected behavior, not an error.

5.2 Third-Party AI Services

Our AI Tools may incorporate services from third-party providers. How those providers handle your data — including whether they use it for model training — is covered in our [Privacy Policy]. By using the Services, you agree to that processing as described there.

5.3 What AI Can and Cannot Do

AI Tools are powerful but imperfect. When you use them:

  • Outputs are not always accurate — even confident-sounding ones. Always verify important information independently.
  • Outputs may not reflect current events or complete information.
  • Outputs may occasionally contain content inconsistent with our policies. Please report anything that concerns you.
  • Outputs are not professional advice. Nothing generated by zeta constitutes medical, legal, financial, psychological, or tax advice. If you need expert guidance, please consult a qualified professional.
  • AI Tools are not designed for automated decision-making that affects a person's legal rights without human oversight. Please do not use Outputs for that purpose.

YOUR USE OF THE AI TOOLS IS AT YOUR SOLE RISK. THE AI TOOLS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AVAILABILITY, OR ERROR-FREE OR UNINTERRUPTED OPERATION. WE MAKE NO WARRANTY ABOUT ANY CONTENT OR INFORMATION GENERATED BY OR ACCESSIBLE THROUGH THE AI TOOLS, AND EXPRESSLY DISCLAIM THAT ANY OUTPUT IS ACCURATE, COMPLETE, OR FIT FOR ANY PARTICULAR PURPOSE.

5.4 You Are Interacting with AI

The Characters and other conversational features are artificial intelligence — not real people. Responses are generated by AI and are fiction; they do not reflect the views, feelings, or professional judgment of any real person. This disclosure is provided in accordance with laws governing companion chatbots, including California SB 243 and the New York AI Companion Models law. The Services may not be suitable for all minors, and companion-style features are restricted for users we know to be minors (see Section 2.4 and our [Privacy Policy]).

5.5 Safety and Crisis Resources

The Services are not a substitute for professional help and are not designed to provide crisis support. If you or someone you know may be considering self-harm or suicide, please seek immediate help. In the United States and Canada, you can call or text 988 to reach a crisis line.

6. Paid Services

This Section describes purchases, virtual goods, and subscriptions on zeta.

6.1 Purchases

When you complete a purchase, a contract for that Paid Service is formed. Payments are processed by third-party providers such as app stores. By purchasing, you also agree to their terms.

6.2 Virtual Goods

We may offer Paid Virtual Goods (purchased) and Free Virtual Goods (promotional). When you spend Virtual Goods, free ones are used first. Free Virtual Goods may have expiration dates or separate conditions.

6.3 Subscriptions and Auto-Renewal

Subscriptions renew automatically until you cancel. As required by the California Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.) and other applicable laws, we clearly disclose auto-renewal terms before you subscribe, obtain your affirmative consent before any charge, and provide an easy online way to cancel — in your account settings, or, for app-store purchases, in that store's subscription settings. For longer subscription terms, we send a renewal reminder before renewal where required by law.

App-store subscriptions. If you subscribed through the Apple App Store or Google Play, that store manages billing and renewals: cancel through its subscription settings (deleting the app does not cancel), and allow up to 24 hours for processing.

You may cancel at any time. Cancellation takes effect at the end of your current billing period. Payments are non-refundable except where required by law.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, warranty, or other right you have under the mandatory law of your country of residence that cannot lawfully be excluded — including, where applicable, under the Australian Consumer Law and the New Zealand Consumer Guarantees Act. Where such a guarantee applies and cannot be excluded, our liability for failing to meet it is limited, at our option, to re-supplying the relevant digital service or content or refunding the amount you paid for it, to the extent permitted by that law.

6.4 Price Changes

If we change prices, we will give clear and conspicuous advance notice — by email and/or in-app — at least 30 days before the change takes effect, as required by applicable law. Price changes apply at your next renewal, so you have time to cancel. For subscriptions billed through an app store, that store's own price-change process (which may require your consent) also applies.

6.5 Support and Refunds

If a billing error occurs, please contact us and we may investigate. Where we confirm an error on our end, we will work to resolve it in accordance with applicable law. If the error was due to your own action or information, processing costs may apply. For help, reach us at contact@zeta-ai.io or https://support.zeta-ai.io/.

7. Pieces

This Section describes Pieces and how they operate.

"Pieces" are an in-experience resource that you may obtain through the Services. They are consumed as a natural part of interacting with the Services — including story creation, gameplay, and engaging with Characters — and are not a payment instrument, stored value, gift card, or substitute for real-world currency. Pieces exist solely within the zeta experience and have no value outside the Services. They cannot be exchanged for cash, and we have no obligation to redeem them for anything of monetary value.

Obtaining Pieces gives you only a limited, personal, non-transferable, revocable license to use them within the Services as permitted. That license ends if your account is terminated or these Terms change in a way that affects it.

You may not buy, sell, transfer, or trade Pieces through any method not expressly permitted by us. Unauthorized use — including hacking or exploiting — is a violation of these Terms and may result in immediate account termination.

All paid transactions for Pieces are final and non-refundable, except where required by applicable law.

We may adjust how Pieces work at any time, but we will not reduce the number of Pieces you already hold or restrict your right to use them, except as permitted by these Terms.

7.1 Expiration

Pieces obtained free of charge — including through promotions, bonuses, events, or rewards — may be subject to expiration dates, which will be disclosed at the time they are issued. Pieces obtained through a paid transaction are not subject to an expiration date imposed by us, except where expiration is required or permitted by applicable law. Consistent with Section 7, Pieces are not a gift card, stored value, or payment instrument; and even if any gift card, stored value, or unclaimed-property law were deemed to apply, Pieces are intended to qualify as an in-game or in-service virtual currency exempt from such requirements, including, where applicable, California Civil Code § 1749.5(g) and Texas Business & Commerce Code § 604A.

Expired Pieces have no cash value and cannot be used. Where expiration applies, notice may be provided through the Services prior to the expiration date.

7.2 Error Correction

If you believe your Pieces balance is incorrect, contact us at contact@zeta-ai.io within 30 days of becoming aware of the issue. We may investigate and, where we confirm that an error occurred on our end, may apply a correction at our discretion. Our server records are the authoritative source for Pieces balances. If we determine that Pieces were obtained through unauthorized means — such as hacking or the use of macros — we may cancel or recover those Pieces after providing you with notice.

7.3 Account Closure

If your account is closed for any reason, your remaining Pieces will expire and will not be refunded, unless required by law. Pieces are not restored if you later reinstate your account, unless we decide otherwise.

8. Service Availability, Warranties, and Liability

The following sets out the limits of our responsibility in connection with the Services.

8.1 Availability

The Services may be unavailable from time to time due to maintenance, third-party issues, or events outside our control. Access is not guaranteed to be uninterrupted or error-free. We may provide advance notice where practicable.

8.2 Disclaimer of Warranties

THE SERVICES — INCLUDING ALL CONTENT, AI TOOLS, AND OUTPUTS — ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OR CONDITION OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY. WE MAKE NO REPRESENTATION THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY OUTPUTS WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR PURPOSES. NO ADVICE OR INFORMATION — WHETHER ORAL OR WRITTEN — OBTAINED FROM US OR THROUGH THE SERVICES CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

8.3 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS OR REVENUES.

EXCEPT FOR LIABILITY THAT CANNOT BE EXCLUDED BY LAW (INCLUDING FOR OUR INTENTIONAL MISCONDUCT, GROSS NEGLIGENCE, FRAUD, OR PERSONAL INJURY), OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF: (i) USD 100; OR (ii) THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS.

In particular, we are not liable for:

  • Interruptions from maintenance or other operational reasons (except for our own misconduct).
  • Disruptions caused by your own actions or negligence.
  • The reliability or accuracy of other users' content.
  • Disputes between users or between a user and a third party.
  • Free Services.
  • Your failure to achieve expected results.
  • Personal information exposed due to poor credential management on your part (except for our own misconduct).
  • Access issues caused by changes to your device, carrier, or operating system.
  • Content or account data you deleted yourself (except for our own misconduct).
  • Third-party server breaches or illegal program interference (except for our own misconduct).
  • The accuracy or appropriateness of AI-generated Outputs (see Section 5.3).

9. Your Responsibility to Us

If your use of the Services causes us harm, we may ask you to cover it.

You agree to defend, indemnify, and hold harmless the Company, its affiliates, officers, directors, and employees from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from your access to or use of the Services or your violation of these Terms.

If you are a California resident, you waive California Civil Code § 1542, which provides that a general release does not cover claims the releasing party does not know or suspect to exist at the time of the release. If you live elsewhere, you waive any comparable statute or doctrine.

This indemnification does not apply to claims caused by our own negligence or wrongdoing.

10. Resolving Disputes

This Section describes how disputes between you and us are resolved.

10.1 Informal Resolution

Before starting any formal process, please reach out. Most issues can be resolved quickly through our support team at contact@zeta-ai.io or https://support.zeta-ai.io/.

If informal contact does not resolve things, either party may initiate a formal Pre-Dispute Resolution Period by sending a written Notice of Dispute to contact@zeta-ai.io. The notice must include:

  • Subject line: "Notice of Dispute";
  • A description of the claim and the facts behind it;
  • The date the dispute arose;
  • The specific relief you are seeking; and
  • Your name, email, and mailing address.

Once we receive the notice, the parties have 60 days to attempt to resolve the dispute informally — including a one-on-one meeting by phone or video. This step is required before either party may start arbitration or litigation. Statutes of limitations are tolled during this period.

10.2 Binding Arbitration

If we cannot resolve the dispute within 60 days, either party may start binding arbitration administered by JAMS under its Comprehensive Arbitration Rules and Procedures (including Expedited Procedures).

Hearings will be held in Texas. U.S. consumers may request a hearing in their county of residence. Non-U.S. users default to Travis County, Texas, or a mutually agreed location. This arbitration agreement and the class-action waiver apply to consumers resident outside the United States only to the extent permitted by the mandatory law of their country of residence; where that law prohibits or restricts binding arbitration or class-action waivers for consumers, those provisions do not apply to you and disputes may be brought in your local courts.

For claims under USD 25,000, the arbitration may proceed on written submissions only, unless the arbitrator requires otherwise. Arbitration will be conducted in English. The Federal Arbitration Act (9 U.S.C. §§ 1–16) governs this agreement.

At the conclusion of the arbitration, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. The arbitrator may award any relief that a court of competent jurisdiction could award, including monetary, injunctive, and declaratory relief, but only on an individual basis and only to the extent necessary to provide relief warranted by the individual claim.

Payment of all filing, administrative, and arbitrator fees will be governed by the JAMS Rules and the JAMS Arbitration Schedule of Fees and Costs in effect at the time the arbitration is initiated. Either party may request that the arbitrator award attorneys' fees and costs upon a showing that the opposing party has asserted a claim, defense, or procedural position that is groundless in fact or law, brought in bad faith, or otherwise frivolous, as permitted by applicable law and the JAMS Rules.

10.3 Mass Arbitration

If 25 or more similar claims are filed by users represented by the same or coordinating counsel, those claims will be treated as a Mass Arbitration and administered by JAMS under its Mass Arbitration Procedures and Guidelines (https://www.jamsadr.com/mass-arbitration-procedures).

For 75 or more claimants, a two-stage Bellwether Process applies:

Stage One: Each side selects 10 Test Cases (20 total) for individual resolution under JAMS Rules. No other claims proceed until all Test Cases are resolved. Neither party bears case management fees during Stage One.

Stage Two: Within 90 days of Stage One completing, all remaining claimants and the Company participate in a single mediation. The Company pays the mediation fee. If mediation does not resolve things, the remaining claims may proceed under JAMS Rules.

The Bellwether Process may be modified by mutual agreement.

10.4 Arbitration Confidentiality

The parties agree to keep arbitration proceedings confidential, except where disclosure is needed to: (i) prepare for or conduct the hearing; (ii) seek court-ordered relief or enforce an award; (iii) comply with law or a court order; or (iv) address claims involving personal injury, safety, harassment, or discrimination. Either party may describe the general existence and outcome of a dispute without identifying the other party or disclosing confidential details.

10.5 Exceptions

Either party may always: seek emergency injunctive relief in court; bring IP-only claims (patents, copyright, trademarks, trade secrets) in court; or file individual claims in small claims court.

10.6 Class Action and Jury Trial Waiver

YOU AND WE EACH AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY — NOT AS PART OF ANY CLASS OR REPRESENTATIVE ACTION. BOTH PARTIES WAIVE THE RIGHT TO A JURY TRIAL. Nothing here prevents either party from seeking public injunctive relief where that right cannot be waived under applicable law (e.g., California's McGill rule).

10.7 Time Limit on Claims

Any claim arising from these Terms or the Services must be filed within one year of when it arose. Claims filed after that will be permanently barred, to the fullest extent permitted by law.

10.8 Opt Out

You have 30 days from accepting these Terms to opt out of the arbitration and class action waiver by emailing contact@zeta-ai.io with the subject line "Arbitration Opt-Out." Opting out does not affect any other part of these Terms.

10.9 Future Changes

If we ever change this arbitration agreement (other than the notice address), you may reject the change within 30 days by emailing the address in Section 10.8. Rejecting a change means the prior version of this section applies to your disputes.

10.10 Severability

If any part of this Section 10 is unenforceable, the rest remains in effect. If the class action waiver is unenforceable for a specific claim and all appeals are exhausted, that claim may proceed in the state or federal courts of Texas (or, for U.S. consumers, in the county of their residence). All other claims will be paused pending arbitration.

11. Ending Your Account

This Section describes how your account may be closed by you or by us, and what happens afterward.

11.1 Closing Your Account

You may close your account at any time through the Services. Requests will be processed in accordance with applicable law.

11.2 When We May Close Your Account

We may restrict, suspend, or terminate your account at any time in our sole discretion, including if we determine that you have engaged in illegal, harmful, abusive, or exploitative conduct, or that you have violated these Terms or applicable law. We are not required to provide advance notice, and whether advance notice is provided is at our discretion. If we terminate your account without cause and you have unused pre-paid fees, we will, at our sole discretion, consider providing a pro-rated refund of any amounts paid for Services not yet received, except where prohibited by applicable law.

11.3 Service Discontinuation

If we discontinue the Services — for example due to a change in business circumstances, a merger or acquisition, or similar significant events — we may provide advance notice through the Services or by email where feasible. Any such notice will include the anticipated discontinuation date and the reasons for discontinuation to the extent practicable.

11.4 Appeals

You may submit an appeal of any account restriction or termination through our support channels. We may review appeals in our sole discretion. Where we determine that an action was made in error, we may restore access at our discretion.

11.5 What Survives

When your account closes, your personal data will be deleted or retained only as required by law and our [Privacy Policy].

Closing your account does not end the license you granted us over your User Content under Section 4.2. That license continues to apply to content already in the Services.

Sections that by their nature should survive termination will do so — including ownership provisions, licenses, disclaimers, indemnification, and limitation of liability.

12. General

12.1 Changes to These Terms

We may update these Terms from time to time. For material changes, we will provide advance notice through the Services before they take effect.

Changes take effect on the Effective Date shown above. These Terms supersede and replace all prior versions. If you registered before the Effective Date, the updated Terms apply to your continued use from that date.

By continuing to use zeta after the Effective Date, you accept the updated Terms; if you do not agree, you must stop using the Services.

12.2 Governing Law and Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict of laws principles. Any dispute not subject to arbitration under Section 10 will be resolved exclusively in the state or federal courts of Travis County, Texas. You consent to that jurisdiction. If you are a consumer resident outside the United States, this governing-law and venue provision does not deprive you of the protection of the mandatory laws of your country of residence, and you may also be entitled to bring proceedings in your local courts where required by those laws.

12.3 Communications

You consent to receive notices, updates, and other communications from us electronically — by email, in-app message, or posting on the Services. Electronic communications have the same legal effect as written ones. Please keep your contact information current.

12.4 Marketing Emails and Opt-Out (CAN-SPAM)

If we send you marketing emails, they will always include our physical address, a clear label that it is a promotional message, and an easy way to unsubscribe. You may opt out at any time by clicking the unsubscribe link or emailing contact@zeta-ai.io. Opt-out requests are processed within 10 business days. This does not affect transactional emails like password resets or receipts. For more, see our [Privacy Policy].

12.5 Third-Party Services

The Services may contain links to third-party websites or apps. We do not control them and are not responsible for them. Your use of any third-party service is at your own risk and subject to that service's own terms. We recommend reading them before proceeding.

12.6 Force Majeure

We are not liable for delays or failures caused by events outside our reasonable control — including natural disasters, pandemics, war, cyberattacks, power outages, or government actions.

12.7 Severability and No Waiver

If any provision of these Terms is unenforceable, the rest remain in effect. Our failure to enforce any provision is not a waiver of our right to do so later.

12.8 Assignment

We may assign these Terms — in whole or in part — without notice, including in a merger or acquisition. You may not assign your rights without our prior written consent.

12.9 Relationship of the Parties

Nothing in these Terms creates an employment, partnership, joint venture, or agency relationship between you and us.

12.10 Entire Agreement

If an employee or representative of ours tells you something different from what is written here, these Terms control. Verbal modifications are not binding.

12.11 Promotions

We may run sweepstakes, contests, or other promotions from time to time. Participation is voluntary and subject to any additional rules we publish for that promotion. Those rules will govern if there is a conflict with these Terms.

12.12 Privacy

How we collect, use, and share your personal information is described in our Privacy Policy at [Privacy Policy]. By using zeta, you agree to our Privacy Policy.

California Residents: Under CCPA/CPRA, you have the right to know, delete, correct, opt out of sales or sharing, and limit use of sensitive personal information. To exercise these rights, see our [Privacy Policy] or contact contact@zeta-ai.io.

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), and Texas (TDPSA) have similar rights. See our [Privacy Policy] for details.

12.13 California Consumer Notice

Under California Civil Code § 1789.3, California residents may contact the Complaint Assistance Unit of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by calling +1 916-445-1254 or +1 800-952-5210. You may also email us at contact@zeta-ai.io.

12.14 Apple Device Users

If you use zeta on an iOS device, these Terms are between you and us — not Apple. Apple has no obligation to provide support for the Services. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

12.15 Google Play Users

If you download or use zeta from the Google Play Store, you acknowledge that these Terms are between you and us — not Google. Your use of the Services must also comply with the Google Play Terms of Service. Google is not responsible for the Services and has no obligation to provide support or maintenance for them.

12.16 Accessibility

We are committed to making the Services accessible and aim to conform to applicable accessibility standards. If you encounter difficulty accessing any part of the Services or need an accommodation, please contact us at contact@zeta-ai.io and we will work to provide the information or functionality through an alternative means.

12.17 Contact

Questions about these Terms? Email contact@zeta-ai.io or visit https://support.zeta-ai.io/.

For questions or requests relating to your personal information, privacy rights, or our Privacy Policy — including requests to access, delete, or opt out of data processing — please contact our privacy team at privacy@scatterlab.co.kr or visit https://support.zeta-ai.io/.

Scatter Lab, Inc.

Tel: (+82) 070-4099-5959 | Email: contact@zeta-ai.io

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