These are the terms and conditions governing your access to and use of www.lzoom.com
and its related sub-domains, sites, services and tools (the "Site").
By accepting these terms and conditions (including the linked information herein),
and by using the Site, you ("you" or the "User") represent that
you agree to comply with these terms and conditions with Lzoom. ("we", "us" or "Lzoom"
or "Fana International") (each a "party" and together the "parties")
in relation to your use of the Site (the "User Agreement"). This
User Agreement is effective upon acceptance. If you do not agree to be bound by
this User Agreement please do not access, register with or use this Site.
Before you may become a User, you must read, agree with and accept this User Agreement
all further linked information referred to in this User Agreement, such as our fees
schedule. Please note that by accepting this User Agreement, you are also accepting
further terms and conditions that apply to you as a user of the Site.
Description of Service
- Lzoom operates an On Demand / subscription services for content and other services
to purchase online (the "Lzoom Service"). On registration, Users
are allocated an online account for free (a "User Account") which
holds electronic "Units" for use in online transactions.
- "UNITS": Are a Lzoom Product which the users purchase to utilize
it to purchase In App other services provided by Lzoom and/or is merchants and resellers.
The value of these Units (is each one US dollar is equal to 3.75 Units this is at
the current exchange rates). Units can be referred to as "Funds", and Amount.
- All fees for use of the Lzoom Service ("Lzoom Fees") are set forth
in the fees schedule posted on this Site and you acknowledge and agree that the
Lzoom Fees may be amended from time to time in accordance with the terms of this
User Agreement. You should check the fees schedule posted on this Site regularly
for any changes to the Lzoom Fees.
- You agree that you will not receive interest or other earnings on the balance of
Units in your User Account.
- Lzoom will sell to you Units to be held in your balance till you use it to make
In App purchases.
- No Form of money, financial instrument or currency will be held on Account with
- Lzoom will only hold on users account "Units" sold by Lzoom (Units).
These Units is then held in user account as balance till user use this Units to
- Maintenance fees are applied on non active accounts.
- "Units" are Non refundable or Transferable
- Lzoom helps you make In App purchases, in the form of content or services from certain
third parties. Lzoom does not have control of, or have liability for, any items
that you may purchase on the App or for ensuring that online transactions will be
completed by other party.
- You acknowledge and agree that:
(i) Lzoom is not a bank and nor is it providing banking or monetary services and/or
related banking services and/or carrying out functions which are integral or closely
related to banking business, nor is Lzoom allowed to grant any form of Units, nor
engage in the business of accepting deposits;
(ii) User Accounts are not insured by any government agency and that there is no
voluntary or compulsory scheme in which Lzoom is a member which compensates the
User in case Lzoom becomes unable to satisfy claims relating to your User Account
or otherwise in relation to the Lzoom Service; and
(iii) whilst Lzoom acts as your agent in respect of its custody of your electronic
Units, Lzoom does not act as a trustee or accept any fiduciary role in respect of
the electronic Units in your User Account.
- You must enter and maintain true, up to date, accurate and complete information
as requested by us including, without limitation, your name, address, telephone
number, date of birth and email address ("Registration Information")
in order to become and continue as a User. Lzoom may (in its sole discretion)
request that you provide further information or documentation to it at any time
and for any reason including, without limitation, to confirm your identity, age
and/or confirm ownership of your financial instruments and you agree that you will
provide such information and/or documentation promptly to Lzoom on request. If you
do not provide such information and/or documentation promptly to Lzoom on request,
Lzoom may, without liability, limit your use of the Lzoom Service or suspend or
close your User Account. Further, you authorise Lzoom to make any enquiries it considers
necessary to validate and verify your identity (whether directly or through third
parties) at any time for any reason at Lzoom's sole discretion. Each person
is only entitled to open one User Account. If you open more than one User Account,
Lzoom shall contact you and ask you to identify which account is to be your User
Account. Lzoom shall then, without liability, close all your other accounts and
transfer any balances in those other User Accounts into your remaining User Account.
- You are responsible for maintaining the confidentiality of, and restricting access
to and use of, your user name, password and details of your User Account, and you
accept responsibility for all activities that occur under or in relation to your
user name, password and User Account. You agree to immediately notify Lzoom of any
unauthorised use of your user name, password or User Account or any other breach
of security. In no event will Lzoom be liable for any direct or indirect loss or
damage whatsoever resulting from the disclosure of your user name, password and
/ or other User Account details. You agree to reimburse Lzoom for any improper,
unauthorised or illegal use of your User Account, whether by you or any other person.
Every person who logs into the Site by entering the correct user name and password
or undertakes any transaction or transfer with the correct password and User Account
number is assumed by Lzoom to be the rightful User Account holder and Lzoom regards
all related transactions and/or transfers as valid. You acknowledge and agree that
Lzoom will not reverse or refund any such transactions or transfers.
Adding Funds To Lzoom Account
In order to fund to your User Account or to otherwise purchase goods and services
online using the Lzoom Service, you may choose from one or more options available
depending on the country you are situated. Please refer to the Site for more details.
You hereby authorise Lzoom to obtain or receive funds on your behalf from your chosen
payment source (and for Lzoom to deduct all necessary fees (including Lzoom Fees
(as defined below) in relation to any obtaining or receiving of such funds).
You also agree to upload electronic Units to your User Account in accordance with
the directions on the Site (as may be amended by Lzoom from time to time)
and you agree that you will not use any unauthorised, invalid or illegal payment
method to fund your account with Lzoom.
Lzoom is providing different convenient and secure payment methods in order to recharge
user Lzoom account. Lzoom keeps all user information secure and confidential.
- You must ensure, when using the Lzoom Service, to purchase goods or services online,
that the merchant to whom you wish to pay is registered and approved by Lzoom (a
- When you make a payment from your User Account, Lzoom will authorise the transfer
of the necessary electronic Units (including all necessary fees (including any Lzoom
Fees (as defined below)) from your User Account. You acknowledge and agree
that if there are insufficient funds in your User Account to make the necessary
payment, Lzoom will not authorise the payment and will cancel the transaction. Lzoom
shall not be liable for any loss, damage or liability suffered or incurred by you
that results from a transaction being cancelled in the circumstances where insufficient
funds in your User Account prevent you from making a payment.
- Lzoom keeps all user information secure and confidential.
You are responsible for the payment of all Lzoom Fees in relation to your use of
the Lzoom Service. The current Lzoom Fees (as may be amended by Lzoom from time
to time in accordance with the terms of this User Agreement) are posted
on the Site. Prior to registering as a User, and prior to carrying out any transactions
using the Lzoom Service, you should review the Lzoom Fees. All Lzoom Fees are due
and payable immediately and shall be deducted by Lzoom by automatic debit from your
User Account. All Lzoom Fees are in Unit amount unless otherwise stated on the Site.
Lzoom may, without liability, charge you a correction fee if incorrect payment details
are provided to us by you. Please note that you are responsible for the payment
of all applicable taxes, duties or other charges in relation to your use of the
Lzoom Service. Lzoom keeps all user information secure and confidential.
All the services on Lzoom are copyrighted by content owners. Lzoom allows the content
owner to sell or publish their content on Lzoom App only after signing an agreement
with Lzoom consenting and allowing Lzoom to publish the copyrighted content on Lzoom
App and website.
- You acknowledge and agree that you will not use the Lzoom Service:
(A) to pay for any illegal material whatsoever including, without limitation, illegal
(B) to pay for any goods and/or services which infringe the intellectual property
or other proprietary rights of any third party; and/or
(C) for, or in relation to, any illegal purpose or criminal activity of any nature.
- You acknowledge and agree that Lzoom will report any suspicious activity to the
relevant authorities. Lzoom may without liability:
(A) apply such prevention and detection procedures as it deems necessary;
(B) suspend or close any User Accounts; and/or
(C) cancel or refuse to carry out any transactions, if Lzoom, in its sole discretion,
suspects that you are using your User Account or any aspect of the Lzoom Service
for unlawful purposes or your User Account is otherwise being used for unlawful
- In connection with your use of the Site, your User Account and the Lzoom Service,
or, otherwise, in the course of your interactions with Lzoom, another Lzoom User,
an Lzoom Merchant or any other third party, you will not:
(B) violate any laws or regulations, third party rights or our policies including,
but not limited to, any use or attempted use of your User Account for illegal and/or
(C) infringe Lzoom's or any third party's copyright, patent, trademark, trade secret
or other intellectual property rights, or rights of publicity or privacy;
(D) use Lzoom to purchase counterfeit goods;
(E) act in a manner that is defamatory, libelous, unlawfully threatening or harassing;
(F) provide false, fraudulent, inaccurate or misleading information;
(G) send or receive what Lzoom reasonably believes to be potentially fraudulent
(H) cooperate in an investigation by Lzoom or provide confirmation of your identity
or other requested information to Lzoom;
(I) attempt to receive funds from both Lzoom and a Lzoom Merchant or other third
party seller for the same transaction;
(J) use an anonymizing proxy;
(K) control a User Account that is linked in any way to another account that has
engaged in any of these restricted activities;
(L) use the Site, your User Account or the Lzoom Service in a manner that results
in or may result in complaints, disputes, claims, fines, penalties and other liabilities
to Lzoom, another Lzoom User, a Lzoom Merchant, any other third party or you;
(M) take any action that imposes an unreasonable or disproportionately large load
on our infrastructure;
(N) distribute viruses, Trojan horses, worms, or other computer programming technologies
that may harm the Site, or the interests or property of any other Lzoom Users, Lzoom
Merchants and any other third parties, including the Site's other users;
(O) take any action that may cause us to lose any services from our internet service
providers, payment processors, or other suppliers;
(P) circumvent or manipulate our fee structure, billing process, or fees owed to
Lzoom; and / or
(Q) transfer your User Account to another party without our prior written consent.
- You warrant that you are not violating any applicable laws or regulations by your
use of the Site, your User Account and/or the Lzoom Service, and you agree to defend,
indemnify and hold Lzoom, its directors, employees, agents and affiliates harmless
from any claim, demand (including legal fees and costs), fines, penalties
or other liability made or incurred by Lzoom, any Lzoom Merchant, any other Lzoom
User or any third party due to or arising out of your breach of this warranty.
- If we have reason to believe that you have engaged in any of the restricted activities
as set out above, we may take various actions to protect Lzoom, Lzoom Merchants,
other Lzoom Users, any third party or you from fees, fines, penalties and any other
liability. The actions we may take include but are not limited to the following:
(A)suspending or closing your User Account for as long as we believe to be reasonably
(B) applying, at our sole discretion, prevention and detection procedures and refusing
the execution of transactions if there are grounds to suspect that a User Account
is being or may be used for illegal purposes; or
(C) taking further steps as Lzoom in its sole discretion may deem necessary including
taking legal action against you.
- If we close your User Account, we will provide you with notice of our actions. If
we suspend your User Account, we will provide you with notice of our actions and
the opportunity to request restoration of access, if and when appropriate. Any restoration
of access shall be at Lzoom's discretion.
Closure of a User Account
- You may request that Lzoom close your User Account at any time by contacting Lzoom
User Support. Contact details for the Lzoom User Support are on the Site. Closure
of your User Account will not cancel any transactions which you have already undertaken,
including those which are still to be paid for from your electronic Units in your
- Lzoom at its sole discretion may close a User Account at any time upon at least
one (1) week's notice to the User and will contact the User to arrange for the return
of any Remaining Units value in your User Account. This is without prejudice to
any other rights or remedies of Lzoom under this User Agreement or otherwise.
- If you do not log in to your User Account for more than Twelve (12) months, and
there are no funds in your User Account, Lzoom may suspend your User Account. If
your account is suspended, you should contact Lzoom User Support to reactivate your
User Account. Lzoom will reactivate your User Account at its sole discretion.
- Lzoom may, at any time, at its sole discretion, discontinue your use of your User
Account or the Lzoom Service or any part thereof. Lzoom shall endeavour to provide
notice of any such discontinuation of your User Account or the Lzoom Service. You
agree that Lzoom shall not be liable to you or any third party in relation to any
inability for you to access to your User Account or the Lzoom Service or any part
- Lzoom will return to you any Units after deducting maintenance fees value which
is in your User Account as soon as practicable after its closure by the most suitable
payment method which Lzoom, in its sole discretion, shall direct to the User, provided
that the User can provide Lzoom with either: (a) valid bank account details where
the Account holder name of the bank account match the name of the User as registered
by the User on the Site; or (b) a copy of a valid form of ID acceptable in its sole
discretion to Lzoom (e.g. a passport or driving license). Lzoom has the right not
to return disputed funds or any funds which relate to a breach of this User Agreement
until such time as the dispute in relation to such funds has been resolved or, in
relation to a breach of this User Agreement, a court of competent jurisdiction has
determined the matter.
Disclaimers and Limitation of Liability
- Lzoom makes no representations or warranties as to the continuous, uninterrupted
or secure access to the Lzoom Service or to your User Account, which may be affected
by factors outside of our control, or may be subject to periodic testing, repair,
upgrade or maintenance.
- Use of the Site is at your own risk. The Site is provided on an "AS IS" and "AS
AVAILABLE" basis without any representation or endorsement made and without warranty
or guarantee of any kind whether express or implied, including, but not limited
to, the implied warranties of satisfactory quality, fitness for a particular purpose,
non-infringement, compatibility, security and accuracy.
- Lzoom shall make reasonable efforts to ensure that all transactions are processed
in a timely manner. However, Lzoom makes no representations regarding the amount
of time needed to complete processing of any particular transaction or transfer,
nor shall Lzoom be liable for any direct or indirect losses or damages arising from
any such delay.
- The Lzoom Service is limited to providing the User with a payment facility and does
not ensure the quality, safety or legality of the transaction User is undertaking.
- The Site may include links to third party websites that are controlled or maintained
by others. Accordingly Lzoom cannot accept any responsibility for the materials
or offers for goods or services featured on such websites. Any link to other websites
is not a warranty that such websites will be free of viruses or other such items
of a destructive nature and you acknowledge and agree that Lzoom is not responsible
for the content or availability of any such websites.
- Goods and services supplied or made available through websites which are linked
to this Site are supplied by third parties including, without limitation, Lzoom
Merchants and not by Lzoom. Any dealings between you and such third parties, including
payment for and delivery of goods or services and any other terms, conditions, warranties
or representations, acts or omissions associated with such dealings, are solely
between you and such third party. You agree not to hold Lzoom liable for any loss
or damage of any kind incurred as the result of any such dealings.
- Lzoom, its directors, employees, agents and affiliates will not be liable for any
loss or damage (whether direct or indirect or consequential loss or damage) whatsoever
(including, without limitation, loss of business, opportunity, data, goodwill or
profits) arising out of or in connection with your use of the Site, your User Account
and/or the Lzoom Service (or any part thereof) whether caused by negligence or otherwise,
including without limitation arising out of or in connection with:
(A) any payments made to the wrong recipient or incorrect payments from your User
Account due to your input of incorrect information on the Site or on a Lzoom Merchant's
(B) any fraud, deception or misrepresentations as a result of any act, omission
or negligence by you in relation to your User Account;
(C) any errors or omissions in the Site content;
(D) misuse of the Site or the inability of any person to use the Site;
(E) delays, losses, errors, or omissions resulting from failure of any telecommunications
or any other data transmission system and the failure of any central computer system,
(F) the results of acts of any governmental or other authority, any act of God or
other force majeure event.
- If you have a dispute with one or more Lzoom Users or Lzoom Merchants, you agree
that you release Lzoom (and our officers, directors, agents and employees) from
any and all claims, demands, losses and damages (direct or indirect) of every kind
and nature arising out of or in any way connected with such disputes. Further you
acknowledge and agree that Lzoom will not enter into any dispute other than to confirm
whether or not a payment has been made by you.
- If you have a dispute with one or more Lzoom Users or Lzoom Merchants, you agree
that you release Lzoom (and our officers, directors, agents and employees)
from any and all claims, demands, losses and damages (direct or indirect)
of every kind and nature arising out of or in any way connected with such disputes.
Further you acknowledge and agree that Lzoom will not enter into any dispute other
than to confirm whether or not a payment has been made by you.
- If you are dissatisfied with the Site or the Lzoom Service, your sole and exclusive
remedy is to discontinue your use of the Site or the Lzoom Service (as applicable).
In this circumstance, you may request that Lzoom arrange for the closure of your
User Account and the return of any Units After deducting maintenance fees value
in your User Account (such Units value to be returned in accordance with the terms
of this Agreement).
You agree to indemnify and hold Lzoom, its directors, employees, agents and affiliates
harmless from and against any breach by you of this User Agreement, including without
limitation, all claims, actions, proceedings, losses, liabilities, damages, costs,
expenses (including reasonable legal costs and expenses) howsoever suffered
or incurred by Lzoom, any other Lzoom Users or any third parties (including any
Lzoom Merchants) due to or arising out of your breach of this User Agreement.
Lzoom takes reasonable measures (physical, organisational and technological)
to safeguard your personal information against unauthorised access and to safely
on how we safeguard the personal information that you give us. However, the Internet
is not a secure medium and the privacy of your personal information can never be
guaranteed. Lzoom has no control over the practices of third parties (e.g. website
links to this Site or third parties who misrepresent themselves as you or someone
to time) governs our treatment of your personal information and you
should review it.
- "Lzoom", "Lzoom.com", "Lzoom App" ,"LzoomCard" and "Lzoom Units" and all related
logos, page headers, custom graphics, button icons and scripts (in any language),
described on the Site are either service marks, trademarks or registered trademarks
of Lzoom or its affiliates. You may not copy, imitate or use them without Lzoom's
prior written consent.
- This Site and its content (including without limitation the Site design, text, graphics)
and all software and source codes connected with the Site are protected by copyright,
trademarks, patents and other intellectual property rights and laws. None of the
content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed
without the prior written consent of Lzoom. All right, title and interest in and
to the Site and its content (including software) and the Lzoom Service is the exclusive
property of Lzoom, its affiliates and/or its licensors (as applicable).
Transfer of Rights and Obligations
You hereby grant Lzoom the right to, and irrevocably acknowledge and agree that
Lzoom may at any time, transfer all or any part of its rights, benefits, obligations
or liabilities (whether express or assumed) under this User Agreement to any of
its affiliates without requiring your further specific agreement. Lzoom shall endeavour
to provide you with notice of any transfer by way of a posting on the Site. You
may not, at any time, without the prior written consent of Lzoom, transfer all or
any part of your rights, benefits, obligations or liabilities (whether express or
assumed) under this User Agreement without the prior written consent of Lzoom.
Communication and Notices
- You acknowledge and agree to receive communications from us electronically. We will
communicate with you by email or by posting notices on the Site. You agree that
all agreements, notices, disclosures and other communications that we provide to
you electronically satisfy any legal requirement that such communications be in
writing and will be deemed given on the day sent (unless an "undeliverable" email
in relation to the electronic notification is received). Alternatively, we may notify
you by mail, to the address provided to us in your Registration Information. In
such case, notice shall be deemed given to you seven (7) days after the date of
the mailing of the notice.
- You will provide any notices to us by mail to Lzoom's postal address or by using
the Lzoom User Support system on the Site. Such notice shall be deemed received
by Lzoom only after you have received a written or electronic communication confirming
receipt from Lzoom.
- You may communicate with us in relation to any matter including, without limitation,
general queries, discrepancies, claims or disputes by using the Lzoom User Support
system on the Site.
You acknowledge and agree that Lzoom may make amendments to this User Agreement
from time to time. We shall endeavour to give you notice of any amendments to this
User Agreement that materially increase your obligations or materially decrease
your rights ("Substantial Amendment"); such notice to be provided in accordance
with the terms of this User Agreement. You acknowledge and agree that Lzoom may,
at its sole discretion and without liability, make amendments that are not Substantial
Amendments without your further specific agreement, at any time and with immediate
effect, by posting a notice of any such amendments on the Site.
- If this User Agreement is translated into any language other than English, in case
of any discrepancy or question of interpretation the English version shall prevail.
- If any clause of this User Agreement shall be deemed invalid, void or for any reason
unenforceable, such clause shall be deemed severable and shall not affect the validity
and enforceability of the remaining clauses of this User Agreement.
- This User Agreement (as amended from time to time by Lzoom in accordance with the
terms of this User Agreement) sets forth the entire understanding and agreement
between you and Lzoom with respect to the subject matter hereof.
- No person who is not a party to this User Agreement shall have any right to enforce
any term of this User Agreement except in relation to any person under clause 14
who is a permitted successor or assignee of the rights and benefits of Lzoom.
Disputes with Lzoom
- If any dispute, claim, controversy or difference (including in relation to any tortious
or statutory claim) ("Dispute") arises out of or in connection with or in relation
to this User Agreement, then the parties shall first attempt amicably to settle
the Dispute through good-faith negotiations over a period of thirty (30) calendar
days commencing on the date that a party first sends to the other party a written
notice of the Dispute. In the event that a Dispute has not been settled amicably
by the relevant parties by the end of such thirty (30) day-period, the parties hereby
agree that the Dispute shall be referred to and finally resolved by binding arbitration
as set out below, under the Arbitration Rules of the Dubai International Financial
Centre - London Court of International Arbitration ("LCIA"), whose rules are deemed
to be incorporated by reference into this clause. The number of arbitrators shall
be one. The parties to the arbitration shall seek to agree on a sole arbitrator
to be nominated to the LCIA court for appointment. If the parties to the arbitration
fail to nominate a sole arbitrator within thirty (30) days from the date of the
referral to the LCIA (or such greater or lesser period as may be fixed by the LCIA),
the sole arbitrator shall be appointed by the LCIA. The seat or legal place of the
arbitration shall be the Dubai International Financial Centre in Dubai, UAE. The
arbitration proceedings shall be conducted in the English language and the award
shall be in English.
- Lzoom's failure to act with respect to a breach by you or others does not waive
Lzoom's right to act with respect to subsequent or similar breaches.
This User Agreement shall be governed by and construed in accordance with the laws
of Kingdom of Saudi Arabia.