TERMS & CONDITIONS (California + GDPR + Merchant Account Compliant)

Last Updated: 15/08/2025

Welcome to Zybuck.com, operated by Zybuck Inc., a California-based corporation (“Zybuck,” “we,” “us,” “our”).
These Terms govern your use of Zybuck.com and any products or services offered on the site.

By accessing the website, you acknowledge that you:

• Have read and agree to these Terms

• Are at least 18 years old

• Are legally capable of entering a binding agreement

If you disagree, DO NOT use the website.

1. Business Information (Required in CA & EU)

Zybuck Inc.
DBA: Zybuck.com
Registered in: California, USA
Address: Long Beach, CA
Email: info@zybuck.com
Phone: (800) 583 0177

Data Controller (GDPR): Zybuck Inc.
Data Protection Officer (if appointed): info@zybuck.com

2. Lawful Use of Website

You agree not to:

• Engage in fraudulent, abusive, or illegal activity

• Circumvent security or payment systems

• Use bots, scrapers, or unauthorized automation

• Manipulate prices, orders, or customer data

• Violate card network rules (Visa, Mastercard, Amex, Discover)

Violations may result in account termination, order cancellation, or legal action.

3. Order Processing & Payment Authorization (Merchant Account Clause)

By placing an order, you authorize:

• Zybuck and its payment processors to verify your identity

• Fraud checks performed by automated systems

• Use of 3rd-party risk scoring tools (required by merchant banks)

Orders may be declined or canceled if flagged for:

• High chargeback risk

• Suspicious activity

• Incorrect billing information

• Banking network restrictions

• Compliance requirements (including MATCH/Terminated Merchant File checks)

4. Pricing & Availability

Prices may change without notice.
Zybuck reserves the right to:

• Modify pricing

• Correct inaccuracies

• Cancel orders due to price, stock, or system errors.

5. Shipping, Delivery & Risk

• Estimated delivery dates are provided at checkout.

• Delays may occur due to carriers, customs, or external factors.

• Risk of loss passes to the customer once the order is handed to the carrier (UCC 2-401—required disclosure).

6. Returns & Refunds

Refunds are governed by our Refund Policy, incorporated by reference.

7. Intellectual Property Rights

All content on Zybuck.com is owned or licensed by Zybuck and protected under U.S. and international IP law.

8. Limitation of Liability (California Safe Harbor Notice)

To the maximum extent permitted by California law, Zybuck is not liable for:

• Indirect, incidental, or consequential damages

• Lost profits or business interruption

• Unauthorized access to customer accounts

9. GDPR Compliance for EU Visitors

If you are located in the EU, processing of your data is based on:

• Contract (order processing)

• Consent (marketing, cookies)

• Legal obligation (recordkeeping)

• Legitimate interest (fraud prevention, site security)

You have the right to access, correct, delete, restrict, port, and object to data processing.

10. Governing Law

The laws of the State of California govern these Terms.

11. Updates

We may update these Terms at any time. Updates are effective immediately when posted.