User Agreement
(Terms of Use of the Platform)

February 20, 2026

1. General Provisions

This User Agreement, along with any other documents referenced herein, establishes the procedures and rules for user access and use of the ZEZMAN website https://zezman.ua, the ZEZMAN App mobile application, ZEZMAN Bot, and other digital products and services (hereinafter referred to as the Platform), as well as the provision of services through them.
The purpose of the User Agreement is to establish the legal framework for using the provided information and technical tools and to regulate the relationship between the user and the Platform Administrator arising from accessing the Platform, using its functionality, obtaining information, and utilizing the technical and software tools of the Platform, regardless of the method of access.
Use of the Platform, including viewing information, registration, authorization, using a personal account, or performing actions through available payment interfaces, does not constitute the conclusion of an agreement between the user and the Platform Administrator regarding the purchase of goods, works, or services. The Platform Administrator is not a party to, and does not participate in, the conclusion, modification, or execution of any agreements entered into between users and third parties.
The Platform is an information and technical resource provided to users for the purpose of familiarizing themselves with information, accessing digital functionality, and performing specific actions of an informational or technical nature. The Platform may be used by users, in particular, to obtain information and perform actions within the framework of executing individual agreements concluded between users and third parties outside of the Platform. At the same time, the Platform does not influence the content of such agreements, does not change their terms, and is not a source of the creation, modification, or termination of the rights or obligations of the parties under such agreements.
Please read this User Agreement carefully. Use of the Platform constitutes confirmation of the user’s assumption of the obligations provided for in the User Agreement. If the user does not agree with the User Agreement in its entirety or any part thereof, they must cease using the Platform.
Any action by the User indicating their intention to access the Platform and/or use its functionality is considered an Acceptance of this User Agreement, in particular:
  • or the website – the act of opening and viewing any page of the site, undergoing registration, authorization, entering data into forms, using the Personal Account, initiating a payment, or any other interaction with the site’s functionality.
  • for the mobile application – the act of installing (downloading) the application onto the User’s device, launching the application, undergoing registration, authorization (including via phone number, email, social networks, or other methods), providing consent for the processing of personal data, using the Personal Account, or any other function of the application;
  • for the chat bot – the act of starting interaction with the bot, specifically: pressing the “Start” / “Почати” / “Старт” button, sending any message to the bot, completing the authorization procedure (if provided), entering data, or using the bot’s functions (viewing information, making inquiries, etc.).

2. Definition of Terms

Platform Administrator — ZEZMAN GROUP Limited Liability Company, which performs technical administration, manages the operation of the Platform, ensures user access to its functionality, and determines the rules for using the Platform in accordance with this User Agreement.
Owner — a physical or legal entity that owns individual components of the Platform (websites, software, mobile applications, chat-bots, etc.) and which may grant the Platform Administrator the right to use such components based on relevant legal relationships. The Owner is not a party to this User Agreement unless otherwise expressly provided herein.
User — any natural person or legal entity that accesses the Platform and uses its functionality in any way, including by viewing information, registering, authorizing, or using a personal account.
Personal Account — a personalized section of the Platform accessible to the user after authorization, which provides the technical capability to view information, exchange data, and perform specific actions of an informational or technical nature.
Service Provider (Third Party) — a physical or legal entity that provides goods, works, or services to users based on civil-law contracts concluded directly between such entity and the user outside of the Platform. The Platform Administrator is not the provider of such services unless expressly stated otherwise.
Payment Interfaces — technical and software tools of the Platform that provide the user with the ability to initiate a funds transfer in favor of Service Providers (third parties) as part of the performance of civil-law contracts.
Platform Information — any data, materials, messages, information, or displays posted or shown on the Platform, including within the Personal Account, which are of an informational or reference nature.

3. Subject of the User Agreement

3.1. The subject of this User Agreement is to grant the User a non-exclusive, limited, and revocable right to access the Platform and use its informational and technical functionality in accordance with the terms of this User Agreement.
3.2. Within the scope of this User Agreement, the Platform Administrator provides the User with the opportunity to use the Platform, including:
  • viewing the information posted on the Platform;
  • gaining access to the Personal Account;
  • viewing information regarding the status of settlements and other details generated based on data provided by Service Providers (third parties);
  • initiating specific actions of an informational or technical nature, including through Payment Interfaces.
3.3. The User acknowledges and agrees that the Platform is an auxiliary information and technical tool, the use of which is carried out by the User at their own discretion and risk within the limits of the current legislation of Ukraine.
3.4. This User Agreement does not regulate or replace any civil-law contracts concluded between the User and Service Providers (third parties) and does not create any obligations for the Platform Administrator regarding the performance of such contracts.

4. Terms of Provision of Services through the Platform

4.1. The Platform does not engage in the sale of goods, works, or services, nor is it an online store or a marketplace within the meaning of the current legislation of Ukraine.
4.2. The Platform Administrator does not establish or determine the terms of payment, delivery, return of goods, or the provision of services offered or provided by Service Providers (third parties) based on separate civil-law contracts concluded directly between the User and such Providers (third parties) outside the Platform.
4.3. Payment terms, the procedure for making payments, deadlines, methods and grounds for refunds, as well as other material terms for the performance of obligations, are determined exclusively by civil-law contracts concluded between the User and Service Providers (third parties).
4.4. The Platform may provide the User with the technical capability to initiate payments in favor of Service Providers (third parties) through Payment Interfaces. In doing so, the Platform Administrator is not a party to the payment transactions, does not receive the User’s funds, and bears no responsibility for their credit or refund.
4.5. The Platform does not provide for the purchase of subscriptions, paid access, or other periodic payments in favor of the Platform Administrator, unless otherwise explicitly determined by separate terms posted on the Platform.
4.6. The Platform provides only the technical capability to initiate a transfer of funds (payment interfaces) in favor of Service Providers (third parties). The Platform Administrator is not a payment institution, a non-banking financial institution, an electronic money issuer, a payment operator, or any other entity entitled to provide financial services in accordance with the current legislation of Ukraine. All payment transactions are carried out exclusively by authorized payment providers that hold the relevant licenses and permits from the National Bank of Ukraine. The Platform Administrator only integrates the technical interfaces of such providers and bears no responsibility for:
  • the execution or non-execution of a payment transaction;
  • the crediting of funds to the Service Provider’s account;
  • refunds of funds;
  • any delays, errors, blocks, or other issues related to the payment transaction;
  • compliance by the payment service provider with legislative requirements regarding the protection of payers’ rights.
In the event of any questions regarding a payment transaction, the User is obliged to contact the payment provider directly—whose details and contact information are displayed during the initiation of the payment—or the respective Service Provider.
4.7. The Platform Administrator is not a tax agent who withholds or pays taxes on behalf of the User, Service Providers (third parties), or any other participants in payment transactions. The Platform Administrator does not withhold, transfer to the budget, or bear responsibility for the payment of taxes, fees, or other mandatory payments incurred by the User as a result of receiving services, making payments, using information, or performing contracts with Service Providers (third parties). All tax obligations are to be fulfilled by the User independently in accordance with the requirements of the Tax Code of Ukraine and other applicable legislation.

5. Rights and Obligations of the Parties

5.1. The User has the right to:
5.1.1. To obtain access to the Platform and use its functionality in accordance with the terms of this User Agreement.
5.1.2. To view information displayed on the Platform and in the Personal Account, including information provided by Service Providers (third parties).
5.1.3. To initiate specific actions of an informational or technical nature through the Platform, particularly using Payment Interfaces, within the scope of the Platform’s functionality.
5.1.4. To contact the Platform Administrator regarding issues related to the technical functioning of the Platform and access to its services.
5.1.5. To exercise their rights as a personal data subject in accordance with the Privacy Policy and the current legislation of Ukraine.
5.2. The User undertakes:
5.2.1. To use the Platform exclusively in accordance with the terms of this User Agreement, the current legislation of Ukraine, and good faith practices.
5.2.2. To provide accurate, up-to-date, and complete information during registration, authorization, and use of the Platform.
5.2.3. To refrain from taking actions that may disrupt the stable operation of the Platform, lead to unauthorized access, interfere with the software, or violate the rights of the Platform Administrator and/or third parties.
5.2.4. To be solely responsible for the security of their credentials and for all actions performed using the Personal Account.
5.2.5. To independently resolve all issues arising within the framework of the execution of contracts concluded between the User and Service Providers (third parties).
5.3. The Platform Administrator has the right:
5.3.1. To determine, change, and update the Platform’s functionality, the procedure for its use, and technical specifications without prior coordination with the User.
5.3.2. To temporarily restrict or terminate access to the Platform for technical, security, or legal reasons.
5.3.3. To process Users’ personal data in accordance with the Privacy Policy.
5.3.4. To suspend or restrict the User’s access to the Platform in the event of their violation of the terms of this User Agreement or the current legislation of Ukraine.
5.4. The Platform Administrator undertakes:
5.4.1. To ensure the functioning of the Platform within the scope of existing technical capabilities.
5.4.2. To take reasonable organizational and technical measures to protect Users’ personal data in accordance with the Privacy Policy.
5.4.3. To provide Users with access to the Platform under the terms of this User Agreement.
5.4.4. To refrain from interfering in the contractual relationships arising between Users and Service Providers, except in cases expressly provided for by law.

6. Intellectual Property Rights

6.1. All intellectual property rights objects placed, used, or otherwise available on the Platform, including but not limited to: software, source and object code, algorithms, databases, interfaces, design, logos, trademarks, texts, graphic images, audio and video materials, as well as other content elements (hereinafter — Intellectual Property Objects), belong to their lawful Owners and are used by the Platform Administrator on legal grounds.
6.2. By obtaining access to and using the Platform, the User is granted a non-exclusive, non-transferable, limited right to use the Platform and its Intellectual Property Objects directly and solely for personal use and within the scope of the Platform’s functional purpose.
6.3. The User is prohibited from the following without the prior written consent of the respective Owner:
  • to copy, reproduce, distribute, publicly display, or otherwise use the Intellectual Property Objects;
  • to modify, adapt, translate, decompile, reverse engineer, or in any other way interfere with the Platform’s software;
  • use Intellectual Property Objects for commercial purposes or in violation of the rights of third parties.
6.4 by accepting the terms of this User Agreement, the User undertakes not to violate the intellectual property rights of the Platform Administrator, Owners, or third parties whose rights may be associated with the use of the Platform.
6.5. In case of detection of intellectual property rights violations, the Platform Administrator has the right to take measures provided by law, including restricting or terminating the User’s access to the Platform.

Term of the User Agreement and the procedure for making changes to it

7.1. This User Agreement shall enter into force from the moment of its publication. The User Agreement shall remain in effect until its withdrawal or until its replacement by a new version, which shall enter into force at the moment of publication, unless otherwise expressly stated therein.
7.2. The Platform Administrator reserves the right to make changes or additions to the User Agreement in order to bring it into compliance with current legislation, improve the Platform’s functionality, or change the terms of service provision.
7.3. The User will be notified of any changes to the User Agreement by the publication of a new version on the Platform.
7.4. By performing any action (including registration, authorization, or use of the Platform) on the Platform, the User confirms their familiarity and agreement with the User Agreement. In case of disagreement with the User Agreement or any part of it, the User is obliged to cease any use of the Platform.
7.5. Continued use of the Platform after the publication of changes signifies the User’s unconditional agreement with the new version of the User Agreement. If the User does not agree with the changes made, they must cease using the Platform.
7.6. The User has the right to cease using the Platform at any time, which also signifies the termination of the User Agreement for such User.

Liability of the parties, limitation of liability, and dispute resolution procedure.

8.1. The User and the Platform Administrator are liable for breaching the obligations assumed under this User Agreement. Use of the Platform is carried out at the User’s own risk.
8.2. Owners are liable for the legality of the use of the Intellectual Property Objects belonging to them.
8.3. The Platform Administrator is liable within the scope of their technical administration and management of the Platform and is limited to ensuring the proper technical operation of the Platform, in particular regarding the availability of the Platform services, the functioning of the Personal Account, and the operation of the interfaces provided by the Platform.
The Platform Administrator is not liable for:
  • content, quality, availability or performance of agreements between the User and the Service Provider (third party);
  • accuracy of information provided by Service Providers (third parties) or Owners;
  • any losses arising from the use of the Platform by the User, unless they are the result of intentional actions or gross negligence of the Administrator.
8.4. The Administrator does not guarantee uninterrupted operation of the Platform or the absence of technical failures, data loss, or access disruptions, but undertakes to make reasonable efforts to ensure the stable functioning of the service.
8.5. Owners are not liable for the actions of Users, the Platform Administrator, or Service Providers (third parties). Owners are separate legal entities that hold rights to individual components of the Platform (software, design, domain names, databases, trademarks, etc.) and grant the Platform Administrator the right to use such components on the basis of relevant civil law agreements
8.6. Neither party shall be liable for indirect damages, loss of profit, loss of opportunity, or reputational loss, except in cases expressly provided for by law.
8.7. The parties undertake to resolve any disputes or claims arising within the scope of the User Agreement through negotiations in writing within 30 calendar days from the date of receipt of the claim. In the event of failure to reach an agreement, the resolution of the dispute shall be referred to a court in accordance with the current legislation of Ukraine.
8.8. This User Agreement is governed by the current legislation of Ukraine.

Details of the Platform Administrator

ZEZMAN GROUP LLC
65020, Odesa, 20 Lva Tolstoho St, Office No. 11
EDRPOU Code: 43501923
[email protected]