Terms of Use
Last updated: 10 November 2026
Effective 10 November 2026
A. Contracting Entity
Your contract for services under these Terms is with: (i) ZFORB International Private Limited — a company incorporated in India, if you are a resident of India; or (ii) ZFORB International FZCO — a free-zone company incorporated in Dubai, United Arab Emirates — in all other cases. References to "ZFORB", "we", "us", or "our" in these Terms mean the applicable contracting entity depending on your residency. Both entities operate the ZFORB platform, share the ZFORB brand, and deliver services under common quality standards, but they are separate legal entities. Your payment, invoice, tax treatment, refund, and dispute-resolution forum depend on the entity applicable to you. Current registered addresses, company identification numbers, and tax registration details are set out in Section C (Entities & Registered Details) below.
B. Contracting Entity & Seller of Record
ZFORB operates through two entities: ZFORB International Private Limited (India) provides hotel membership services, hotel-booking support, technology, and customer support; ZFORB International FZCO (Dubai, UAE) is the seller of record for international land-only tour packages and, where so identified at checkout, for the Passport and Passport World membership editions. The seller, invoice, payment collection, and service responsibility for any product are as expressly identified at checkout. Your contracting entity is determined by the product and the point-of-sale disclosure, and your governing law and dispute forum follow that entity (see Clause 13).
C. Entities & Registered Details
ZFORB International Private Limited (India) CIN: U79110PB2025PTC064280 GSTIN: 03AACCZ6176B1ZI Registered office: Plot No. 1640, JLPL, Sector-82, S.A.S. Nagar (Mohali) - 160055, India. ZFORB International FZCO (Dubai, United Arab Emirates) Trade Licence No.: 69270 Issuing Authority: Dubai Integrated Economic Zones Authority (DIEZ) Registered office: IFZA Properties, Dubai Silicon Oasis, Dubai, United Arab Emirates. Contact: Support — concierge@zforb.com · Legal — legal@zforb.com · Billing — billing@zforb.com · Privacy — privacy@zforb.com. These two entities are separate legal persons sharing the ZFORB brand. The entity you contract with is determined by Sections A and B; that entity is responsible for your payment, invoice, applicable taxes, refunds, and dispute forum under Clause 13.
1. Acceptance of Terms
By accessing or using the ZFORB platform, website (zforb.com), mobile application, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use our Services. ZFORB may update these Terms from time to time. The version in force, with its effective date, is always published on zforb.com and in the ZFORB application. The current version governs your continued use of the Services and every new purchase or booking, and your acceptance of these Terms at checkout covers their future updates. The fixed entitlements of a Membership you have already paid for stay as you bought them. No update increases what you pay under a purchase already made: a new charge applies only to purchases made after its publication. Continued use of the Services after an update is published constitutes acceptance of the updated Terms.
2. Eligibility
You must be at least 18 years of age to use the Services. By using our Services, you represent and warrant that you have the legal capacity to enter into a binding agreement. ZFORB Services are available to individuals and entities worldwide, subject to applicable local laws and regulations.
2A. Scope of Services
ZFORB operates a hotel-first travel platform. ZFORB does not provide, arrange, advise on, or facilitate visa services, immigration services, passport services, air-ticketing, foreign employment, foreign-exchange services, or any guarantee of permission to travel to, enter, board, or remain in any country. All tour packages are land-only destination services. You are solely responsible for your own passport, visa, immigration clearance, flights, travel insurance, foreign exchange, health requirements, transit permissions, and destination-entry requirements. ZFORB does not act as a travel agent for the purpose of arranging your travel abroad. Sole exception: where return flights form part of a published reward benefit (such as the Earned Holiday), ZFORB procures those flights through independent, appropriately licensed third-party providers strictly as fulfilment of that published benefit; visa and entry requirements remain your responsibility.
3. Account Registration
To access certain features, you must create an account via the ZFORB mobile application. You are responsible for maintaining the confidentiality of your account credentials. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. ZFORB reserves the right to suspend or terminate accounts that violate these terms or contain inaccurate information.
4. Hotel Booking Terms
ZFORB provides access to hotel inventory through the global travel trade — hotels and their authorised distribution partners. Rates displayed are subject to real-time availability and may change without notice. Upon confirmation, your booking is subject to the specific cancellation and modification policies displayed at the time of booking. For hotel bookings, ZFORB acts as a facilitator. The accommodation is supplied by the property or its wholesaler, and the property's own terms and conditions also apply to your stay. ZFORB's fee and the applicable tax are shown separately on your invoice.
4A. Tour Package Fulfilment & Status
Tour packages on ZFORB are NEVER auto-booked. All tour bookings are processed through a manual fulfilment workflow handled by our concierge team. Membership + Tour combo bookings: A minimum of 30 working days lead time is required from booking date to travel date. Customers must submit a Service Request through their account portal. Our backend team reviews and approves the request within 48 hours, after which a Travel Confirmation Letter and a tour voucher are issued. Standalone tour bookings: A 48-72 hour confirmation window applies after payment. If we are unable to fulfil the booking within this window, the amount paid is refunded in full. Approved refunds reflect in your original payment method within 30 working days; most arrive sooner. No charge for travel arrangements before confirmation: Customers will NOT be charged for flights, visas, or any third-party travel arrangements until they hold a ZFORB Travel Confirmation Letter. This is a binding promise. Status nomenclature: Until a tour voucher is issued and a Travel Confirmation Letter is delivered, your booking status will read "Provisionally Reserved" — never "Booked" or "Confirmed". This wording is intentional and reflects the manual review process.
5. Membership Terms
ZFORB Membership is a long-term travel product. For the full tenure of the Membership, each Membership year includes the number of hotel nights stated in the Member's plan, allocated to the Member, together with exclusive member benefits. Each night is redeemed against available inventory at participating properties, subject to the eligibility conditions in these Terms and in the Membership Terms & Conditions. Membership tiers (SELECT, GLOBALIST, SIGNATURE, ELITE, APEX) are subject to their specific terms as outlined at the time of purchase. Membership is non-transferable. APEX membership is available for purchase online and is subject to additional terms; Apex Sovereign is extended by invitation at ZFORB's sole discretion. Membership accounts: Each Membership is registered to a single customer account and to its named applicants. ZFORB may, at its sole discretion, permit a customer account to hold one or more Memberships; eligibility is determined by ZFORB and reflected at the time of purchase. Where a second concurrent Membership is not available to an account, a purchase attempt is redirected to the tier upgrade process (see Clause 5B). Where multiple Memberships are held, each Membership is a separate contract with its own named applicants, entitlements, payment schedule, Annual Service Fee, holds, late fees and forfeiture; benefits, nights, and co-applicants are never pooled, shared, or transferred across Memberships, and an amount overdue on one Membership never restricts another. Night entitlement redemption: Membership night entitlements are redeemed on a strict 1:1 basis. One night of accommodation equals one redemption from your annual entitlement. Entitlements are never merged across booking groups, never split into partial redemptions, and never converted to or from credits in any other ZFORB product (StayPass, Horizons, Reward Points). This rule applies in all currencies and across all member tiers. Unused-night carry-forward: Your Annual Entitlement resets at the start of each Membership year, consistent with premium industry practice for annual-benefit hospitality products. Unused nights from a prior Membership year do not automatically carry forward. As a goodwill gesture, ZFORB may at its sole discretion convert unused nights at year-end into ZFORB Points at the conversion rate then published on zforb.com/rewards/conversion. This goodwill conversion is discretionary and does not constitute a Member right. Full details are set out in your Membership Terms & Conditions. Savings and value claims. Savings that ZFORB states for Membership are illustrative and expressed as up to a stated figure, so a saving may be anywhere from nil to that figure. They compare a Member's effective cost per night using Membership nights with published rates for comparable rooms and dates on leading online travel sites; Annual Service Fees, add-ons and taxes apply as set out in your plan. Actual savings vary by plan, hotel, room and dates and are not guaranteed, and ZFORB may update these illustrations from time to time.
5A. No Cross-Product Benefit Pooling
You may hold ZFORB Membership, StayPass, and Horizons concurrently, but the benefits of each product are siloed to that product. Night pools, credits, points, and entitlements never merge across products. Membership nights cannot subsidise a StayPass or Horizons booking, and StayPass or Horizons credits cannot subsidise a Membership booking. The Horizons Enrolment-Fee Credit is a credit against the purchase price of an eligible Membership, not a pooling of benefits, and applies only as set out in the Horizons Terms & Conditions (Clause 2C); any other representation of a cross-product credit is superseded by this clause.
5B. Membership Upgrades
A Membership may be upgraded to a higher tier at the tier's selling price current on the upgrade date, less a credit for the remaining value of the existing Membership calculated under our upgrade formula. The original start date and anniversary are kept; from the next anniversary the Annual Service Fee of the upgraded tier applies. Any Annual Service Fee already due remains payable. The upgrade amount may be paid in full or, where offered, in equal interest-free instalments. No upgrade-processing fee applies. Downgrades are not available.
6. StayPass Terms
StayPass is a prepaid hospitality product offering hotel night credits for a defined validity period. Night credits are issued instantly to the purchaser's ZFORB account upon payment, constituting delivery of the product. Credits must be used within the validity period and do not carry over. StayPass is non-transferable and non-refundable from the day of purchase; no cooling-off period applies, and its benefits are available as soon as you pay. Property availability is subject to real-time inventory. Night credits are used at participating stays within the pass's included value; where a selected stay exceeds that value, the difference is shown as a single add-on amount before you pay. For complete StayPass terms and conditions, visit zforb.com/staypass/terms. Night credit redemption: StayPass night credits are redeemed on a strict 1:1 basis. One night of accommodation equals one credit. Night credits cover one room per date, whether in one booking or several, and are consumed when a booking is confirmed; a cancellation or no-show by the account holder does not restore them (StayPass Terms & Conditions, Clause 10; for StayPasses purchased on or after 9 October 2026). Credits are never merged across products, never split into partial redemptions, and never converted to or from any other ZFORB entitlement (Membership, Horizons, Reward Points). This rule applies in all currencies and across all StayPass plans.
7. Payment Terms
All prices are displayed in the selected currency and include applicable taxes unless otherwise stated. Payments are processed through our authorised payment partners: Cashfree Payments (for transactions in INR, for customers contracting with ZFORB International Private Limited) and Stripe (for international transactions, for customers contracting with ZFORB International FZCO). You agree to pay all charges incurred through your account. ZFORB is not responsible for any fees charged by your bank or card issuer. Equal-Instalment Plans — Indian-entity customers only. Equal-instalment plans are offered exclusively to customers contracting with ZFORB International Private Limited, and only on Membership purchases. StayPass, Horizons, and hotel bookings must be paid 100% upfront. Tour packages follow the partial-payment schedule in the Tour Package T&Cs. All ZFORB instalment plans are structured as 0% interest, equal-instalment plans. No financing charge, flat-rate interest, reducing-balance interest, processing fee, or any other loading is applied by ZFORB. The total cash paid across all instalments equals the headline plan price displayed at checkout. The maximum instalment duration is capped by Membership tenure: 3-year plans up to 6 months, 5-year plans up to 24 months, 10-year plans up to 36 months. Down-payment floors apply to longer durations and are disclosed at checkout. ZFORB operates the instalment schedule on its own platform; each instalment is collected as an independent one-time payment through our authorised gateway. A payment is collected only with your authorisation: when you tap Pay, or, where you have turned on Auto-Pay, under the mandate you approved and can pause or cancel at any time (see the Auto-Pay clause). Specific (tier, tenure, duration) combinations may be enabled or disabled by ZFORB from time to time. Paying ahead. You may pay any number of your remaining instalments early, or any amount of Rs 1,000 or more, at any time from your ZFORB account, at no extra charge. Instalments paid early count towards the payment levels in clause 8B as soon as they are paid, and can unlock the holiday of your current Membership year. Paying ahead never opens a holiday from a future Membership year. Nights not used in a Membership year expire at the end of that year and do not carry forward. UAE-entity and international customers. Membership purchases through ZFORB International FZCO are payable as set out at purchase: in full, or in the published parts or instalments. ZFORB International FZCO does not itself offer financing arrangements and is not the extender of credit in any transaction: any parts or instalments are interest-free payments of the published price. A late-payment or administrative charge on an overdue Annual Service Fee, add-on, or other service fee is a fee for late payment of a service charge and does not constitute interest, a financing charge, deferred-payment credit, or the extension of credit. These payment terms apply to the Membership plan price; recurring service fees (such as the Annual Service Fee) are billed as set out in Clause 4 of the Membership Terms & Conditions. ZFORB may from time to time make available third-party financing options provided by UAE Central Bank-licensed financial institutions; where available, such financing is a separate financial product provided by the licensed institution on its own terms, and ZFORB is not the financing party. Auto-Pay. When you buy a Membership on instalments or with an Annual Service Fee, the Auto-Pay option is selected for you at checkout; you can turn it off with one tap before you pay, and at any time afterwards. With Auto-Pay on, you authorise ZFORB to collect each eligible payment (Membership instalments, Annual Service Fees and other scheduled dues) on its due date, through a mandate you approve with your bank or UPI app, up to the amount and until the date shown when you approve it. We tell you the amount and the date at least 24 hours before each payment. There is no fee for Auto-Pay. If a payment does not go through, we remind you to pay it with Pay Now and may try once more three days later, telling you before we do; the grace period and late-fee terms for that due are unchanged. You can pause or cancel Auto-Pay at any time in your ZFORB account or through your bank or UPI app; nothing is collected after you turn it off, except a payment already on its way to your bank. Your card, UPI or bank details are held securely by our payment partner and your bank. In India, card and UPI payments up to ₹15,000 are collected without a further approval, and larger payments use a bank-account e-mandate; a card or UPI payment above ₹15,000 that cannot be collected this way stays with Pay Now. Overdue dues and booking holds. Where an instalment, Annual Service Fee, or add-on charge of a Membership remains unpaid past its due date plus the applicable grace period, ZFORB may place a temporary hold on that Membership — its bookings, including combo-tour bookings made with it, its renewal and its upgrade — until the overdue amount is cleared. The hold applies only to the Membership that owes the amount: your other Memberships, StayPass, Horizons and standalone cash bookings (hotel-only or fully-paid standalone tour purchases) are not blocked, and you may buy another Membership, in full or, where offered, on instalments, whatever the payment status of your other Memberships. Default grace periods apply (instalments: 7 days; ASF: 30 days; add-ons: 7 days) and may be adjusted per Membership tier. See the Payment & Refund Policy for current dunning terms.
7A. Late Fees, Default & Forfeiture
Late payment of instalments. Where you have opted to pay your Membership fee in instalments, each instalment is due on the date shown in your payment schedule. If an instalment remains unpaid for more than seven (7) days after its due date, a late fee accrues for each month or part-month the instalment remains unpaid, at the rates set out in the Schedule of Charges for your plan currency (currently, for INR plans, ₹1,500 per month for the first three months of default and ₹3,000 per month thereafter; for USD-denominated Membership editions on which instalment plans are made available, US$20 per month for the first three months and US$40 per month thereafter — in each case inclusive of applicable taxes; for a plan in any other currency, a late fee applies only where the Schedule of Charges for that currency sets one). Late fees are payable in addition to the overdue instalment. We will remind you before and after each due date. A payment is collected only with your authorisation: when you tap Pay, or, where you have turned on Auto-Pay, under the mandate you approved and can pause or cancel at any time (see the Auto-Pay clause). Unpaid Annual Service Fee. If an Annual Service Fee remains unpaid 30 days after its due date, the Membership is suspended: no bookings, renewals or upgrades can be made with it until every outstanding fee and late fee is paid. Fees continue to fall due on each anniversary during the term. A late fee of 0.1% per day of the unpaid fee applies after the 30-day grace, capped at 20% of that year's fee. Entitlements of a Membership year that passed while suspended lapse and are not restored. Amounts already paid are not refunded on suspension. A suspended Membership is not forfeited for an unpaid Annual Service Fee alone; forfeiture applies only to unpaid instalments of the Membership price. While any due amount of a Membership remains unpaid past its grace period, benefit bookings under that Membership are suspended as set out in these Terms; your other Memberships are not affected. Sustained default; forfeiture. If your instalments remain in continuous default for six (6) months (measured from the due date of the oldest unpaid instalment), your Membership is liable to forfeiture. We will give you written notice of the impending forfeiture — including final notices at least 30, 15 and 7 days before the forfeiture date — at your registered email and on your account. On forfeiture: (a) the Membership and all its benefits, entitlements and included holidays terminate; (b) unpaid instalments cease to be payable; and (c) amounts already paid are retained by ZFORB as consideration for the Membership services made available and as agreed liquidated compensation for the sustained default, to the maximum extent permitted by law. Reinstatement. A forfeited Membership may, at ZFORB's discretion, be reinstated within ninety (90) days of forfeiture upon your written request and payment of all outstanding instalments and accrued late fees — no separate reinstatement fee applies — whereupon the Membership continues on its original terms. Reinstatement is not available after the reinstatement window closes. Late-fee rates, grace periods, the default period leading to forfeiture and the reinstatement window are set out in the Schedule of Charges, available in your member portal, and may be revised prospectively for renewal terms. Charges are always shown inclusive of applicable taxes and are displayed as a single amount in your plan currency.
7B. Paying in Parts
Where a purchase may be paid in parts, you accept the terms in force when you pay the first part. The product is activated, and every date that depends on it starts, when the required amount has been paid. If the purchase is not completed by its deadline, ZFORB retains from the amount collected the service fee and the GST on it, the payment gateway charge and the product's fixed cancellation charge, capped at 10% of the amount collected (for a hotel booking, the payment gateway charge only), and refunds the rest under the Payment & Refund Policy. For a Membership, its start date, the dates that run from it and any unpaid balance follow Clause 3B of the Membership Terms & Conditions, which prevails over this Section.
8. Cancellation & Refunds
Cancellation and refund policies vary by product and booking. Hotel bookings are subject to the cancellation policy displayed at the time of booking. Membership and StayPass cancellations are governed by their respective product terms. Refunds, where applicable, are processed to the original payment method within the windows published in our Payment & Refund Policy, which is the authoritative schedule for all refund timelines. If you cancel a hotel booking before the free-cancellation deadline shown at booking, the room price is refunded in full and any booking fee is retained. After that deadline, the property's cancellation policy applies. Any booking fee is shown within "Taxes & fees" before you pay and is non-refundable, as set out in Section 2A of the Payment & Refund Policy; a hotel booking made before 19 October 2026 keeps the cancellation terms in force when it was made. Reward points used on a cancelled booking are treated as set out in Section 11A of the Payment & Refund Policy. Refunds on hotel bookings, including the choice of ZFORB stay credit, follow Sections 4A and 4B of the Payment & Refund Policy, including their timeline; the refund timeline below applies to every other purchase. Approved refunds reflect in your original payment method within 30 working days; most arrive sooner. Where your original payment method cannot receive a refund, we will ask you for a bank account or UPI ID. A failed transaction that was debited from your account is reversed within 5 working days.
8A. Offer Combinability
Member-rate bookings (Membership, StayPass, or Horizons entitlement redemptions) may not be combined with coupons, promo codes, loyalty point redemptions, first-booking offers, or referral credits. Retail (non-entitlement) bookings — whether placed by a Member paying in cash or by a non-Member — may combine a single Layer-2 promotional offer (coupon OR points OR first-booking OR referral OR seasonal discount) with the standard retail rate. Where a Member Special Rate is active for your tier, it may apply in addition to the single Layer-2 offer. Points and coupons may never be stacked on the same booking under any circumstances. All discounted bookings respect ZFORB's published pricing floors per product and tier. One promotional offer per booking; rewards follow the booking's cancellation terms. For bookings and transactions made on or after 9 October 2026, only one promotional offer or promotional benefit applies to a booking or transaction, however many you qualify for, under every current and future ZFORB promotion unless ZFORB expressly states a different policy for a specific offer; a Member Special Rate is a Membership benefit, not a promotional offer. Reward points, earned or complimentary holidays or nights and promotional rewards used for a confirmed booking follow the cancellation terms of that booking: they are restored when you cancel within the free-cancellation period stated at booking, follow the accommodation provider's refund when you cancel after that period, and are consumed when the rate is non-refundable or the booking is not used, and a restored benefit returns in kind with its original validity, all as set out in Section 11A of the Payment & Refund Policy and in the Rewards Redemption Schedule at zforb.com/rewards/redemption. Reward points used on a booking made on or after 12 October 2026 are not returned when you cancel that booking or do not use it, and are restored in full where ZFORB or the property cancels it, as set out in Section 11A of the Payment & Refund Policy.
8B. Holiday-Booking Eligibility (Members)
For Members, each hotel or tour booking placed under your Membership ("holiday booking") is subject to the following eligibility checks: (i) your Membership must be in Active status; (ii) your check-in and check-out dates must both fall within one open annual entitlement window of your Membership (a stay may not span your Membership anniversary; book two stays, one in each Membership year); (iii) the remaining nights in the applicable pool must be greater than or equal to the nights requested; (iv) at least one guest on the booking must be the Main Applicant or a registered Co-Applicant; (v) any overdue Annual Service Fee, instalment, or add-on amount of the Membership used for the booking must be cleared in full before the booking is accepted. In addition, the cumulative amount paid towards the Membership principal must meet the payment level for the Membership year whose nights the holiday uses. Payment levels are counted per Membership year, not per booking: the first level applies in your first Membership year, the second level in your second Membership year, and the third level in your third and every later Membership year. Every holiday within one Membership year shares that year's level. • Three-year Membership: 100% of the principal in every Membership year. • Five-year Membership: 60% of the principal in the first Membership year; 100% in the second and every later Membership year. • Ten-year Membership: 40% in the first Membership year; 70% in the second; 100% in the third and every later Membership year. Holidays in your next Membership year. A holiday that uses the nights of your next Membership year may be booked up to 12 months before check-in, once the Annual Service Fee for that year has been paid in advance and the payment level for that year is met. Paying the Annual Service Fee ahead. The Annual Service Fee for a coming Membership year may be paid up to 12 months before its due date. The amount payable is the scheduled fee for that year on the day you pay; once paid, it is fixed for that year and is not revised. Reminders for an Annual Service Fee are sent only while it remains unpaid. An Annual Service Fee paid ahead for a Membership year that does not begin is applied first against any amount you owe and the balance refunded in full. ZFORB may vary these payment levels per Membership tier or tenure, subject to written disclosure at checkout. ZFORB's operational and underwriting teams have the final determination on booking acceptance in each case, acting reasonably.
8C. Fair Use of Refundable Bookings
Refundable rates are offered for genuine travel plans. For hotel bookings made on or after 13 October 2026, an account may hold a limited number of upcoming refundable hotel bookings at one time (currently five); a further refundable booking can be made once an existing one is completed or cancelled, or by choosing a non-refundable rate. ZFORB may review an account that cancels refundable bookings repeatedly; currently, four or more cancellations within thirty (30) days may lead to a review. Where we find signs of fraud, abuse, speculative holding of inventory or misuse of our refund terms, we may decline new bookings, require a non-refundable rate, or cancel bookings associated with the account, its e-mail address or its phone number; any refund due on a booking we cancel under this clause follows the Payment & Refund Policy. The limits in this clause are set by ZFORB and may change; the limit in force at the time of a booking applies to that booking.
9. Intellectual Property
All content on the ZFORB platform — including but not limited to text, graphics, logos, images, software, and design — is the property of ZFORB International FZCO and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent from ZFORB.
10. User Conduct
You agree not to: (a) use the Services for any unlawful purpose; (b) attempt to gain unauthorised access to any part of the Services; (c) interfere with or disrupt the Services; (d) impersonate any person or entity; (e) use automated systems to access the Services without permission; or (f) submit false, misleading, or fraudulent information.
11. Limitation of Liability
To the maximum extent permitted by law, ZFORB shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Services. ZFORB's total liability shall not exceed the amount paid by you for the specific service giving rise to the claim. ZFORB does not guarantee uninterrupted or error-free access to the Services.
12. Indemnification
You agree to indemnify, defend, and hold harmless the applicable ZFORB contracting entity (as identified in the Contracting Entity & Seller of Record section), its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of the Services, your violation of these Terms, or your violation of any rights of a third party.
13. Governing Law, Jurisdiction & Dispute Resolution
(a) Internal grievance first. Every dispute or complaint shall first be raised through the ZFORB internal grievance process: grievance@zforb.com or +91 90566 93672 (India) / legal@zforb.com (international). ZFORB acknowledges complaints within forty-eight (48) hours and works to resolve them within thirty (30) days of a complete complaint. (b) Indian resident consumers. If you are a resident of India, your contract is with ZFORB International Private Limited and is governed by the laws of India. Nothing in these Terms limits or excludes your statutory rights as a consumer, including your right to approach the consumer dispute redressal commissions or any other competent forum under the Consumer Protection Act, 2019. Arbitration under these Terms applies only to business and other non-consumer counterparties, as set out in clause (d). (c) All other residents. If you are not a resident of India, your contract is with ZFORB International FZCO and is governed by the laws of the Emirate of Dubai and the United Arab Emirates. Subject to any consumer protections of your country of residence that cannot be waived by contract, the courts of Dubai have jurisdiction over consumer disputes. DIAC arbitration under these Terms applies only to business and other non-consumer counterparties, as set out in clause (d). (d) Business and non-consumer disputes. Disputes with business or other non-consumer counterparties that are not resolved through the internal grievance process within thirty (30) days shall be finally resolved by arbitration: for counterparties contracting with ZFORB International Private Limited, under the Arbitration and Conciliation Act, 1996, seated at New Delhi before a sole arbitrator; for counterparties contracting with ZFORB International FZCO, administered by the Dubai International Arbitration Centre (DIAC) under the DIAC Arbitration Rules 2022, seated at the Dubai International Financial Centre (DIFC), before a sole arbitrator. The language of arbitration is English and the award is final and binding. (e) Collective proceedings. To the maximum extent permitted by applicable law, and without limiting any non-waivable consumer remedy, disputes are resolved on an individual basis. (f) Interim relief and survival. Nothing in this clause prevents urgent interim relief from a competent court. This clause survives termination, expiry, or rescission of these Terms.
14. Modifications
ZFORB may update these Terms of Use from time to time. The current version, with the date it was last updated, is published on zforb.com and in the ZFORB application and applies from that date, as set out in Section 1.
15. Contact
For questions regarding these Terms of Use: legal@zforb.com · concierge@zforb.com · billing@zforb.com · privacy@zforb.com. Customer care and Grievance Officer (India, Consumer Protection (E-Commerce) Rules 2020): Aman Priye Jain — grievance@zforb.com · +91 90566 93672. Complaints are acknowledged within forty-eight (48) hours and resolved within thirty (30) days. Current entity details (legal name, registered office, licence and tax registration) are set out in Section C (Entities & Registered Details) of these Terms.