Terms and Conditions - Money Mindset Quiz

These Terms and Conditions (”Terms”) govern your participation in the Money Mindset Quiz (the Quiz) offered by Zip Co US Inc. (“Zip”, “we”, “us”, “our”). By accessing or participating in the Quiz, whether through our website, advertisements, social media channels, or any other channels we make available, you agree to these Terms and to Zip’s Privacy Policy.

1. Overview and Eligibility

   1. The Quiz is intended solely for individuals who are legal residents of the United States and at least eighteen (18) years of age (or the age of majority in their state of residence) (Eligibility Requirements).
   2. By participating, you represent that you meet these Eligibility Requirements and that all information you provide is accurate and complete.
   3. We reserve the right to suspend, modify or terminate the Quiz at any time and for any reason, including suspected fraud or violation of these Terms.
2. Purpose and General Disclaimer

   1. The Quiz is intended to offer insights about your “money habits” based on your responses. The Quiz, its outcomes, and any related recommendations are for general informational purposes only and do not constitute financial, legal or other professional advice and should not be relied upon as such.
   2. The Quiz does not evaluate your financial position, creditworthiness, or eligibility for any financial product, and it does not constitute financial, investment, credit, accounting, legal, tax, or other professional advice. You should not rely on the Quiz or its results to make financial or legal decisions. For personalized guidance, consult a qualified professional.
   3. Zip makes no representations or warranties, express or implied, regarding the accuracy, completeness, timeliness, suitability or reliability of the Quiz, its consent, or any results generated. The Quiz outcomes may vary based on how you interpret or answer questions, and should not be viewed as predictive of future behaviour or financial performance.
   4. Any examples, scenarios or statements presented within the Quiz or its results are illustrative only, and are not promises or guarantees of any particular outcome.
3. Privacy and Data Processing

   1. Participation in the Quiz may involve providing personal information such as your name, email address, or demographic details. By providing this information, you acknowledge and agree that Zip may collect, use, and process your personal information in accordance with Zip’s Privacy Policy.
   2. By participating, you consent to our use of your information for purposes of administering the Quiz, analyzing aggregated results, and contacting you about Zip’s services, promotions, and educational content (in compliance with applicable marketing and privacy laws).
   3. Zip may analyze aggregated or de-identified Quiz data to improve its products, services, and marketing strategies. Such aggregated data will not personally identify any participant.
   4. You may withdraw your consent to receive marketing communications from Zip at any time by following the unsubscribe instructions provided in our communications or by contacting Zip at [email protected]. Opting out will not affect your participation in the Quiz or any other services you receive from Zip.
4. Accessibility

   1. Zip is committed to ensuring that the Quiz is accessible to all participants.
   2. If you experience any difficulty accessing or completing the Quiz, please contact us at [email protected] for assistance. We will make reasonable efforts to provide an alternative means of participation or access consistent with applicable accessibility standards.
5. Intellectual Property

   1. If you provide to us any additional content (including any comments, suggestions or feedback) in connection with the Quiz (“Feedback”), you grant us an irrevocable, royalty-free, non-exclusive, worldwide license to use, adapt, publish, display and otherwise exploit the Feedback without attribution or compensation to you.
6. Prohibited Conduct

   1. You agree not to (a) interfere with or disrupt the operation of the Quiz or related systems; (b) introduce viruses, malware, or other harmful code; (c) use automated means to access, participate in, or manipulate the Quiz; (d) Use the Quiz for fraudulent, unlawful or misleading purposes; or (e) impersonate any person or entity, or otherwise misrepresent your identity.
7. Disclaimers and Limitation of Liability

   1. The Quiz and its results are provided on an “as-is” and “as-available” basis. Zip disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.
   2. Zip does not guarantee that the Quiz will be uninterrupted, error-free, or that the results will meet your expectations.
   3. To the fullest extent permitted by law, Zip and its affiliates, officers, directors, employees, and agents will not be liable for any indirect, incidental, consequential, or punitive damages arising out of or relating to your participation or reliance on the Quiz.
   4. In no event shall Zip’s total liability exceed one hundred U.S. dollars (US $100).
8. Indemnification

   1. You agree to indemnify, defend, and hold harmless Zip, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or relating to your participation in the Quiz, your submissions/responses, or your violation of these Terms.
9. Modifications and Termination

   1. Zip may modify or update these Terms at any time by posting a revised version with an updated “Last Updated” date. Continued participation in the Quiz constitutes acceptance of any modified Terms.
   2. Zip may suspend or terminate the Quiz or your access at any time, without notice, for any reason.
   3. Sections 2 through 10 will survive any termination of the Quiz or these Terms.
10. Miscellaneous

    1. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
    2. Failure by Zip to enforce any right or provision shall not constitute a waiver of that right or provision.
    3. These Terms constitute the entire agreement between you and Zip with respect to the Quiz and supersede any prior communications.
    4. You may not assign or transfer these Terms without Zip’s prior written consent. Zip may assign or delegate its rights or obligations at any time.
    5. For questions regarding the Quiz, please contact Zip at [email protected].