Terms of Use

1. General and acceptance of these terms

1.1 These terms govern the use of the PayZo app, the arnaki.app website and every service offered through them. They are a binding agreement between you and the operator of the service.

1.2 When you sign up, you confirm by an explicit tick that you've read these terms and the Privacy Policy and that you agree to them. Browsing the service without signing up ("guest") is subject to these terms as far as they apply to browsing.

1.3 If you don't agree to the terms, don't sign up and don't use the service.

1.4 Section headings are for convenience only and are not used to interpret the terms.

1.5 These terms exist in Hebrew and in English. If the versions differ, the Hebrew version prevails.

2. Who we are

2.1 The service is operated by Guy Moshe Forer, of 3 Golda Meir Street, Ness Ziona, Israel ("PayZo", "we").

2.2 Questions about the service: support@arnaki.app. Privacy: privacy@arnaki.app. Accessibility: accessibility@arnaki.app.

3. Definitions

• "The service": the app, the website and all the features, content and communications offered through them.
• "Card": a gift card, shopping voucher, coupon, store credit or any similar instrument issued by a third party that a user enters into the service.
• "Issuer": the chain, business or body that issued the card and is responsible for honoring it.
• "Listing": a card published on the card marketplace in the service.
• "Seller": a user who has been approved to publish listings.
• "User content": any information a user uploads, writes or sends in the service, including listings, chat messages and reports.

4. What the service includes

4.1 Wallet: storing and managing cards, including the balance, expiry and redemption details you enter.

4.2 Smart Pay: a recommendation, calculated by a computer system, on a cost-effective way to pay at a business, based on the cards, perks and coupons in your account and on information we hold.

4.3 Perks and coupons: information about perks of credit cards, clubs and vouchers, and active coupons. For perks you only choose the type of card; we don't ask for credit card numbers.

4.4 Card marketplace: a listing board where approved sellers list cards they own, and other users can contact them in chat.

4.5 Chat: text messages between users, with the option to share your phone number if you choose, to report and to block.

4.6 Balance check: at your request, and for brands where the feature is available, checking a card's balance on the issuer's website, as set out in section 8.

5. What the service is not

5.1 In the current version no payments, purchases or sales take place in the service, and PayZo does not hold users' money. Cards are not transferred between accounts in the service, and there are no swaps.

5.2 PayZo does not issue cards, does not sell or buy cards, is not an agent or representative of any issuer or business, and is not affiliated with the brands that appear in the service, unless expressly stated otherwise.

5.3 PayZo does not provide a payment service, a regulated financial service, credit, financial advice, investment advice or tax advice. Smart Pay recommendations are a consumer tool, not advice.

5.4 PayZo does not guarantee any card, its balance, its validity, that an issuer will honor it, or the conduct of another user.

6. Eligibility, sign-up and account

6.1 The service is for people aged 18 and over. By signing up you declare that you are at least 18 and legally able to enter into an agreement.

6.2 At sign-up you'll be asked for a name, email address, phone number and password. You must give accurate and complete details and tell us if they change. One account per person; you may not sign up in someone else's name or impersonate anyone.

6.3 You're responsible for keeping your password and your device safe, and for every action taken in your account, except an action that happened because we breached our obligations. If you suspect unauthorized use, change your password and tell us right away.

6.4 You can delete your account at any time from inside the app (Profile → Delete account). What is deleted and what is kept is set out in the Privacy Policy.

7. Cards and information you enter

7.1 Only add cards that you own or are lawfully entitled to use.

7.2 You're responsible for the accuracy of the details you enter, including the card number, code, balance and expiry. The balance shown in the service is what you entered, what was updated following an action you took in the service, or the result of a balance check. It may differ from the actual balance with the issuer. The binding balance is the issuer's.

7.3 A card's terms, including validity, how it's redeemed, transfer restrictions and where it's accepted, are set by the issuer and subject to the law, including the Consumer Protection Law's provisions on vouchers and shopping vouchers. PayZo does not extend validity, does not guarantee redemption, and is not responsible if an issuer or business refuses to honor a card.

7.4 The service does not replace the card itself or the issuer's confirmations. We recommend keeping the original card or its details outside the service too, especially before deleting a card or your account.

8. Balance check

8.1 When you ask for a balance check, you authorize us to enter the card's details (number, and code if required) on the issuer's website on your behalf and for you, for the check only.

8.2 The result is based on what the issuer's website shows at the time of the check. It may be wrong, partial or unavailable, for example when the site changes, is busy or requires manual verification. In that case you can check directly on the issuer's website.

8.3 The number of checks is limited, to prevent load and misuse. We may stop the feature for a particular brand or altogether at any time.

9. Smart Pay, perks and coupons

9.1 Recommendations, perks and coupons are provided for information only. They're calculated from the information in your account and information we have gathered from various sources, and we can't guarantee that they're complete or up to date, or that the business will honor them. Perks are set by issuers and businesses and may change without notice. Before you pay, check the terms with the business.

9.2 Savings shown in the service are an estimate based on the information available, not a commitment to actual savings.

9.3 The service does not make the payment at the business. When you mark that you've chosen a recommendation, the service updates the balances in your wallet according to it. If you didn't actually pay, or paid differently, update the balance yourself.

9.4 Some coupons and perks may include a link to a third party's website, and we may sometimes receive a commission from it. The commission doesn't change your price. We'll clearly mark any such coupon.

9.5 Links to external websites, such as banks, issuers and businesses, are provided for your convenience. Those websites are subject to their own terms and policies, and we're not responsible for their content.

10. The card marketplace and chat

10.1 The card marketplace is a listing board that connects users. PayZo is not a party to any deal between users, doesn't broker it, doesn't charge a commission on it in the current version, and doesn't guarantee it.

10.2 In the current version you can't pay for, buy, sell, exchange or transfer a card in the service. Anything users agree between them, including payment and handing over a card's details, happens outside the service, between the parties only and at their own risk only.

10.3 We don't check listings, the balance of a listed card, the seller's ownership of it, or its validity. Seller approval (section 11) is not a check of the cards and is not a guarantee of the seller's reliability.

10.4 The asking price, discount percentage and every other detail in a listing are set by the seller. The discount shown is calculated from the amount and price the seller entered.

10.5 Safety tips: check the card's balance directly with the issuer before any payment. Prefer payment methods that allow cancellation or a dispute. Never give out passwords or verification codes. Be careful with anyone who asks to move the conversation outside the service to avoid reporting. If you suspect fraud, report it from the chat.

10.6 When you choose to chat with a seller, a short opening message mentioning the listing is sent in your name. You can continue the conversation as you wish.

10.7 Your phone number isn't shown to other users unless you choose to share it in a particular conversation. Someone who received your number can contact you outside the service too, for example on WhatsApp, where that service's terms apply.

10.8 We may remove listings or messages that break these terms or the law, limit the number of listings, and limit or suspend users, as set out in section 18.

11. Seller terms

11.1 To publish a listing you need to request seller approval: give your full name and accept these terms. We may approve a request, decline it or cancel an approval, at our reasonable discretion, and set limits on the number of listings or their amounts.

11.2 When you publish a listing, you declare and undertake that:

• the card is yours, was obtained lawfully, and is not stolen, counterfeit, used or blocked;
• the details you published, including amount, balance and expiry, are accurate and up to date, and you'll update or remove the listing if they change;
• the card is valid for at least 30 days from the date you list it;
• the issuer's terms allow the card to be transferred to someone else, and you've checked this;
• once you've given a card's details to another user, you won't use the card, and you won't give it to more than one person;
• you'll communicate fairly and respectfully and respond to enquiries in good faith.

11.3 If you sell cards as a business rather than occasionally, you may be considered a "dealer" (osek), and duties under the law then apply to you, including under the Consumer Protection Law and tax law. Meeting them is your responsibility. You're also responsible for reporting and paying any tax on income from a sale.

11.4 Breaking these terms, and in particular using a card after you've given it to someone else, is fraud. We'll block the account and pass information to law enforcement or to the injured party where the law requires or allows it.

12. Prohibited conduct

12.1 We have zero tolerance for abusive content and abusive users. Among other things, you may not:

• defraud or impersonate anyone, or offer stolen, counterfeit or used cards, or cards that aren't yours;
• harass, threaten, defame, publish racist, sexual or offensive content, or invade someone else's privacy;
• publish someone else's personal details without their consent, or another person's card details;
• send spam, advertising or unsolicited marketing messages;
• use the service for money laundering, terror financing, moving proceeds of crime or any unlawful purpose;
• harm the service or its security, bypass limits, run automated tools to collect data or create accounts, or try to access information that isn't yours;
• infringe other people's intellectual property.

12.2 Chat messages pass a basic automatic filter for offensive words, and a message blocked by the filter isn't sent.

13. User content and reporting

13.1 You're responsible for the user content you publish or send. The content remains yours. You grant us a non-exclusive, royalty-free licence to display, store and process it as needed to run the service, secure it and handle reports, during your use and afterwards, as needed under the Privacy Policy.

13.2 You can report a user or a message from inside the chat, and block a user. We'll review every report within 24 hours and act at our discretion, including removing content, warning or suspending.

13.3 Anyone who believes that content in the service infringes their rights, including copyright, a trademark or their reputation, can contact us at support@arnaki.app, describing the content and the right infringed. We'll review every request and remove content where there are grounds to do so.

14. Intellectual property and brands

14.1 All rights in the service, its design, code, marks and our content belong to us or to whoever allowed us to use them. You may not copy, reproduce, distribute, reverse-engineer or create derivative works from them without written permission, except as the law allows.

14.2 Names of chains, issuers and businesses, and their logos, belong to their owners. They're shown in the service only to identify which chain a card or perk belongs to, and showing them does not indicate any connection, sponsorship or endorsement by their owners.

15. Availability and changes to the service

15.1 We work to keep the service available and working, but it's provided as is (AS IS) and as available. There may be interruptions, faults, maintenance or changes.

15.2 We may add, change or discontinue features. If we discontinue the whole service, we'll give at least 30 days' notice so you can save your card details.

15.3 Some features depend on third parties, such as issuers' websites, cloud providers and notification services. If a third party changes or stops its service, the feature may be affected.

16. Liability and its limits

16.1 We're not responsible for damage caused by:

• an act or omission of another user, including a deal between users outside the service;
• an act or omission of an issuer or business, including refusing to honor a card, perk or coupon, or changing their terms;
• wrong information you entered, or a balance shown in the service that differs from the issuer's balance;
• a decision you made based on a recommendation or savings estimate in the service without checking the terms with the business;
• unauthorized use of the account that resulted from you not keeping your password or device safe.

16.2 To the extent the law allows, our total liability to you in connection with the service will not exceed ₪500, and we won't be liable for indirect or consequential damage or loss of profit.

16.3 The limits in this section do not apply to damage caused by our malice or gross negligence, to bodily injury, to a breach of our duties under privacy law that resulted from our fault, or to any case where the law forbids limiting liability. Nothing in these terms limits a right that cannot be waived under the law, including under the Consumer Protection Law.

17. Indemnity

17.1 If a third party sues us because you breached these terms or the law, including because of a listing or content you published, you'll indemnify us for the damage and reasonable costs we incurred. We'll tell you about the claim promptly and let you defend against it.

18. Suspension, blocking and closing an account

18.1 We may limit, suspend or close an account, remove a listing or cancel a seller approval if there are reasonable grounds to suspect a breach of these terms or of the law, fraud, or a risk to other users or to the service, or if the law or a competent authority requires it.

18.2 Where possible and safe, we'll tell you about the step and the reason for it. You can ask us to reconsider at support@arnaki.app.

18.3 A suspension blocks access to the account. If you ask, we'll let you obtain your card details, unless there's a reasonable suspicion that they're connected to fraud.

19. Privacy and notices

19.1 The use of your personal information is governed by the Privacy Policy, which forms part of these terms.

19.2 We'll send you service messages, such as a password reset code, a notification about a new chat message and notice of a change to these terms, by email or phone notification. We won't send you advertising without your explicit prior consent, as required by section 30A of the Communications Law. You can withdraw such consent at any time.

20. Changes to these terms

20.1 We may update these terms. We'll give notice of a material change in the app or by email at least 14 days before it takes effect, unless the change is required by law or to prevent fraud.

20.2 If you don't agree to a change, you can stop using the service and delete your account before it takes effect. Using the service after the change takes effect, or an explicit acceptance we ask for, means you agree to the updated version.

21. Governing law and jurisdiction

21.1 These terms and the use of the service are governed solely by the laws of the State of Israel.

21.2 Jurisdiction lies with the competent courts in Israel, according to law. This does not take away your right to sue in a small claims court or in the court of your area of residence, where the law allows it.

22. General

22.1 If a provision of these terms is held invalid, the other provisions continue to apply, and the provision will be read in the way closest to its intent that the law allows.

22.2 Waiving or delaying enforcement of a provision is not a waiver of the right.

22.3 We may transfer our rights and obligations under these terms to another body as part of a merger, acquisition or transfer of the business, provided your rights are not harmed and your information continues to be protected at least as under the Privacy Policy. We'll tell you about it in advance.

22.4 Our system records are prima facie evidence of actions taken in the service, without taking away your right to prove otherwise.

23. Accessibility and contact

23.1 We work to make the service accessible under the Equal Rights for Persons with Disabilities (Service Accessibility Adjustments) Regulations and Israeli Standard 5568. The accessibility statement and the accessibility coordinator's details are at arnaki.app/accessibility.

23.2 For any question, request or complaint: support@arnaki.app. We aim to reply within 3 business days.