Maza Terms of Service

Last updated: June 12, 2024

PLEASE NOTE THAT YOUR USE OF AND ACCESS TO THE SERVICES (AS DEFINED BELOW) ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY MANNER.

These Terms of Service (these "Terms") represent an agreement between you and Maza Financial, Inc. ("Maza") and contain the terms and conditions governing your use of and access to: (1) our website at www.withmaza.com and all of our other websites to which these Terms are posted (collectively, the "Website"); (2) our Apple iPhone or Google Android mobile applications to which these Terms are posted (collectively, the "Application"); and (3) any products, services, and applications made available through the Website or the Application (together with the Website and the Application, the "Services"). "You" and "your" mean the person who uses or accesses the Services. "We," "us," and "our" mean Maza and its successors, affiliates, and assignees. 

As used in these Terms, "Maza Savings Reserve" means the Savings Reserve account you have with Maza as covered in our Maza Savings Reserve Agreement, and “Privacy Policy” means those data privacy related terms covered in our Privacy Policy. Each of these agreements are incorporated by reference and collectively referred to as the “Services Agreements”).

Your use of and access to the Services are subject at all times to the Services Agreements. Please read the Services Agreements carefully. By using or accessing the Services or by clicking to agree to these Terms when that option is made available to you, you represent that you have read and understand the Services Agreements, and you agree to be bound by them. If you do not agree to all the terms and conditions of the Services Agreements, do not use or access the Services.

THESE TERMS INCLUDE, AMONG OTHER THINGS, YOUR AUTHORIZATION FOR DEBITS AND CREDITS FROM AND TO YOUR BANK ACCOUNT (AS DEFINED BELOW) VIA THE AUTOMATED CLEARINGHOUSE NETWORK ("ACH") PURPOSES OF PROVIDING THE SERVICES AND A BINDING ARBITRATION PROVISION CONTAINING A CLASS ACTION WAIVER. 

Use of the Web Site

This Web Site contains material, including but not limited to software, text, graphics and images (collectively referred to as the “Content”). We may own the Content or portions of the Content may be made available to us through arrangements that we have with third-parties. The Content is protected by United States and foreign intellectual property laws. Unauthorized use of the Content may result in violation of copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use, copy or display the Content except as permitted under this Agreement. No other use is permitted without our prior written consent. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of the Content. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of any of the Content on any other web site or in a networked computer environment for any purpose is expressly prohibited. If you violate any part of this Agreement, your right to access and/or use the Content and Web Site shall automatically terminate and you shall immediately destroy any copies you have made of the Content.

The trademarks, service marks, and logos of the Maza (the “Maza Trademarks”) used and displayed on this Web Site are registered and unregistered trademarks or service marks of the Maza. Other Maza, product, and service names located on the Web Site may be trademarks or service marks owned by third-parties (the “Third-Party Trademarks”, and, collectively with the Maza Trademarks, the “Trademarks”). Nothing on this Web Site or in this Agreement should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on this Web Site without the prior written consent of the Maza specific for each such use. The Trademarks may not be used to disparage Maza or the applicable third-party, the Maza’s or third-party’s products or services, or in any manner (using commercially reasonable judgment) that may damage any goodwill in the Trademarks. Use of any Trademarks as part of a link to or from any web site is prohibited without the Maza’s prior written consent. All goodwill generated from the use of any Maza Trademark shall inure to the Maza’s benefit.

You agree not to: (a) take any action that imposes an unreasonable load on the Web Site’s infrastructure, (b) use any device, software or routine to interfere or attempt to interfere with the proper working of the Web Site or any activity being conducted on the Web Site, (c) attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising or making up the Web Site, (4) delete or alter any material posted on the Web Site by the Maza or any other person or entity, or (5) frame or link to any of the materials or information available on the Web Site.

The Web Site contains links to third-party web sites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the site administrator or Webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites.

We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of any materials on such External Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access any External Sites, you do so at your own risk.

Certain elements of the Web Site are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors, except as otherwise expressly permitted by these Terms. None of the Content for this Web Site may be retransmitted without the express written consent from Maza for each and every instance.

Maza Billing Agreement

Maza offers its services on a recurring subscription basis. Free trial periods or other incentives may be offered.

Maza Subscription Fees

By subscribing to the Maza Subscription Service you agree that Maza will charge your account the monthly subscription fees (the “Subscription Fees”). As part of the Subscription Fees, you will be charged the recurring fee (“Recurring Fee”) either on the anniversary of the first payment of the Subscription Fee, or for each subsequent month after starting Services, depending on what Services you elect. Maza Subscription Fees may be subject to change. Please see the Maza Website and Application for further details regarding Maza Subscription Fees.

Your account will be charged Subscription Fees through your Apple App Store or Google Play account. If you are offered a free trial you must cancel before the end of the free trial period to avoid future charges; if you do not cancel then you agree that Maza will charge your account the amount of the Maza Subscription Fee automatically at the end of the free trial period. Maza reserves the right to change or modify the Recurring Fee. Initial Charge and Recurring Charges are not refundable except for under the ITIN Refund Policy below.

Canceling is simple. Cancel by your subscription within the Apple App Store or Google Play account that you used to sign up for the Services.

If we initiate a charge to either your Apple App Store or Google Play store account for a Recurring Fee, and such charge is declined, we will notify you immediately to resolve the non-payment. If we are not able to successfully charge your Apple App Store or Google Play store account within 30 days from the date of the initiated charge that was declined, then we may stop your Services at our discretion, and close your Maza Savings Reserve account in accordance with the Maza Savings Reserve Agreement.

Please note that Maza retains the right in the future to change the terms and the amount of the Subscription Fees in its sole discretion, including for both current customers and new customers.

ITIN Services

ITIN Service Description

The Maza ITIN Service (“ITIN Service”) that is part of the Services assists customers in obtaining or renewing their Individual Tax Identification Number (“ITIN”) from the U.S. Internal Revenue Service (“IRS”). To provide this Service, Maza works with IRS-authorized Certified Acceptance Agents to verify your identity, prepare all required documents and communicate with the IRS on behalf of you.

ITIN Eligibility and Documentation:

1. You must be a U.S. resident alien who is ineligible to obtain a Social Security Number (“SSN”).
2. You must meet the qualifications for a Maza Savings Reserve, as explained in these Maza Savings Reserve Agreement.
3. You must possess a valid, unexpired, government-issued foreign passport that includes your name, date of birth and a photograph of your face. Passport extensions, including prórrogas, may be accepted, subject to manual review and approval.
4. You are required to pay the Subscription Fees.

ITIN Application Process:

1. Open a Maza Savings Reserve: To begin, you must apply and be approved for a Maza Savings Reserve through Maza’s application.
2. Upload passport: You must upload a high quality, color scan of your valid foreign passport.
3. Review and sign Form W-7:  You must review the pre-filled IRS Form W-7 provided by us to ensure its accuracy and truthfulness. It is your sole responsibility to ensure the information on the form is correct; in no event will we be liable to you or anyone else for your failure to so confirm the accuracy and truthfulness. You must then sign the form using Maza's electronic signature software.
4. Review and sign IRS Form 2848, Power of Attorney and Declaration of Representative: You must review the pre-filled IRS Form 2848, Power of Attorney and Declaration of Representative, provided by us to ensure its accuracy and truthfulness. You must then sign the form using Maza’s electronic signature software.
5. Await response from IRS: After the second Recurring Subscription payment is made, we will print and submit the provided forms and will await a response from the IRS, which will either be an acceptance (i.e., creation of an ITIN for you) or rejection.

ITIN Refund Policy:

Refund Eligibility and Timeline

• You may request a full refund within 15 calendar days of the initial annual Recurring Fee payment provided that we have not yet submitted documentation on your behalf to the IRS. We submit documentation 1-7 days after the customer has uploaded their passport and signed all associated forms (W-7 and Form 2848).
• By submitting and approving all required documentation, you acknowledge and accept that the processing of your ITIN application may take approximately 12 to 15 weeks, with possible variations based on IRS internal procedures.
• If approved, the ITIN document will be conveniently delivered to you through the Maza Application to improve efficiency.
• If your ITIN application is denied by the IRS, for any reason other than your failure to confirm the accuracy and truthfulness, you will receive a full refund of your Annual Recurring Fee payment within 30 calendar days of your denial.
• If we cancel an ITIN application, a full refund of the annual Recurring Fee will be provided within 14 days of the cancellation.
• If we refund the annual Recurring Fee, you then will have the option to subscribe to the $5 monthly Recurring Fee without ITIN services.

Refund Request Process:

1. Request Submission: To initiate a refund request, you must email help@withmaza.com within 15 days of your initial payment for Services. Please include your full name, contact information and reason for the refund request.
2. Review and Confirmation: Our team will review your request within 10 calendar days and confirm your eligibility via email.
3. Refund Issuance: Upon approval, your refund will be processed through the original payment method within 15 calendar days.
4. Your Subscription: You will be offered the opportunity to subscribe to the other Servicese instead, to start once we process your refund for initial payment.

Exceptional Cases:

For any inquiries or assistance, our dedicated Customer Support team is ready to help at help@withmaza.com.

ITIN Cancellation and Termination:

Termination Eligibility: We reserve the right to cancel your ITIN application any time for any reason or no reason at all, including but not limited to inconsistencies in application, suspected fraud, or identity theft. In such cases, we will notify you of the cancellation and provide you with an email notification and a full refund within 15 calendar days.

ITIN Data Enhancement

In rare cases, we may need to enhance your passport scan to ensure full compliance with IRS guidelines. This may include removing glare, shadows, or any other unwanted lighting in the image. These alterations will not be saved to your accounts and will be deleted immediately after use.

ITIN Responsibilities and Obligations:

• Cooperation: You agree to cooperate fully with us to facilitate the efficient processing of your ITIN application, including responding to any inquiries or requests for additional information.

• Accuracy of Information: You are solely responsible for ensuring that all information provided through the Service for the ITIN application is accurate, complete, and up to date.

• Consent for Data Usage: By engaging with our Services, you grant us the necessary consent to use and process your personal information for the purpose of the Services.

• Compliance with Laws: You acknowledge and agree to comply with all relevant laws, regulations, and requirements related to ITIN application, taxation, and data protection.

ITIN Processing Timelines:

We make no guarantees on process timelines. The processing times vary depending on the processing times of the IRS. The approximate timeline from submittal of required documents to receiving an ITIN is 15 weeks. 

Please note that the total processing time can be affected by factors such as the accuracy and completeness of your application, any additional information required, and any unforeseen delays in IRS processing. Upon renewal, the ITIN number assigned to you by the IRS may be subsequently changed by the IRS.

ITIN Communication and Updates:

 

Real-time Updates via the Application: We understand the importance of staying informed about your ITIN application status. You will receive real-time updates and notifications directly through our application, found in the Apple App store or Google Play store. You'll be promptly notified at key milestones, such as document submission, verification, IRS processing, and confirmation letter issuance.

ITIN Customer Support Contact: In case you require additional assistance with your ITIN, you can always contact our Customer Support team at help@withmaza.com. Our team is here to address any queries or concerns you may have related to your ITIN application.

ITIN Disclaimer of Guarantees:

It's important to note that the approval of ITIN applications is ultimately determined by the IRS. Therefore, we clearly state the following disclaimer related to our ITIN Services:

While we make every effort to ensure your ITIN application is accurate and complete and provide expert guidance throughout the process, we cannot guarantee the approval of your application by the IRS. The decision to approve an ITIN application rests solely with the IRS, and factors beyond our control may influence the outcome.

We are committed to leveraging our expertise and resources to maximize the chances of a successful application. We work diligently to ensure that your application meets the necessary requirements and is submitted correctly.

Savings Reserve Services

As part of the Subscription Services, you will be provided with a Maza Savings Reserve. The Maza Savings Reserve is an account with Maza where you can store your funds and receive Savings Bonuses and other benefits in order to better afford Maza services. The Maza Savings Reserve Agreement as part of the Services Agreements covers the terms and conditions for the Maza Savings Reserve.

FAQ

Are there any fees for using the Subscription Service?

While we may offer limited free trials, we charge the Subscription Fees regardless of whether we transfer any funds to or from your Bank Account and your Maza Savings Reserve. The current amount of the Subscription Fees is disclosed on the Website and the Application. We charge the Subscription Fees directly to your Apple App Store or Google Play store account depending on how you signed up for the Services. The Subscription Fees are non-refundable, except as otherwise provided in this Agreement or required by applicable law. We may change the amount, frequency, and date of the Subscription Fees from time to time in our sole discretion. We will notify you in advance of any change to the Subscription Fees by sending you an email, by posting a notice on the Website and the Application, and/or by any other method permitted by applicable law. By accessing or using the Services and not canceling after any change to the Subscription Fees takes effect, you agree to pay the Subscription Fees, as modified.

What are the requirements to use the Services?

In order to use the Services, you must: (a) accept and agree to these Terms; (b) register with us in either our Apple iPhone or Google Android mobile Applications; (c) be at least 18 years of age (or older if you reside in a state where the majority age is older); (d) have a Bank Account with a U.S. financial institution; (e) provide all information requested by us, such as your name, email address, mobile device number, online credentials for your Bank Account, and such other information as we may request from time to time (collectively, “User Information”); and (f) pay the Subscription Fees as specified herein. You represent and warrant that all User Information you provide us from time to time is truthful, accurate, current, and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User Information by updating your Maza Savings Reserve in the Application; provided, however, that you must notify us at least three Business Days before any changes to your Bank Account information, including, but not limited to, the closure of your Bank Account for any reason by emailing help@withmaza.com or by updating your Maza Savings Reserve via the Application. If we approve your registration, you will be authorized to use the Services, subject to the Services Agreements.

For our compliance purposes and in order to provide the Services to you, you hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and Bank Account information. When you register for the Services and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as:

• A copy of your government-issued photo ID, such as a passport or driver’s license;
• A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and U.S. street address on it; and such other information and documentation that we may require from time to time.

By using the Services and providing User Information to us, you automatically authorize us to obtain, directly or indirectly through our third-party service providers and without any time limit or the requirement to pay any fees, information about you and your Bank Account from the insured financial institution holding your Bank Account and other third-party websites and databases as necessary to provide the Services to you. For purposes of such authorization, you hereby grant Maza and our third-party service providers a limited power of attorney, and you hereby appoint Maza and our third-party service providers as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place, and stead, in any and all capacities, to access third-party websites, servers, and documents; retrieve information; and use your User Information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN MAZA OR OUR THIRD-PARTY SERVICE PROVIDERS ACCESS AND RETRIEVE INFORMATION FROM SUCH THIRD-PARTY WEBSITES, MAZA AND OUR THIRD-PARTY SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that other third parties shall be entitled to rely on the foregoing authorization, agency, and power of attorney granted by you. You understand and agree that the Services are not endorsed or sponsored by any third-party account providers accessible through the Services. We make no effort to review information obtained from the financial institution holding your Bank Account and other third-party websites and databases for any purpose, including, but not limited to, accuracy, legality, or non-infringement. As between Maza and our third-party service providers, Maza owns your confidential User Information.

The information you provide us is subject to our Privacy Policy.

How do I use the Maza?

The purpose of the Maza Subscription Service is to try to help you save money with minimal effort and get bonuses in order to better afford, get and maintain your ITIN and other Services from Maza. We may recommend setting up a recurring cadence for funding your Savings Reserve based on your bespoke financial profile, and with your prior authorization, periodically transfer funds from your Bank Account to your Maza Savings Reserve based on the Maza Savings Reserve Agreement. Only funds from your Bank Account may be transferred to your Maza Savings Reserve. The funds in your Maza Savings Reserve are held in Maza’s master account at one or more FDIC-insured banks. Please see the  Maza Savings Reserve Agreement for more details.

You may not use the funds in your Maza Savings Reserve to make purchases, withdraw cash, transfer funds to third parties, or for any other purpose. You are solely responsible for determining whether the funds debited from your Bank Account and the funds maintained in your Maza Savings Reserve are acceptable to you. We are not responsible for any third-party fees that may be incurred as a result of using the Services, including, but not limited to, third-party fees incurred as a result of maintaining insufficient funds in your Bank Account.

Maza is not a financial adviser, and the Services are not intended to provide financial advice. Your financial situation is unique. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. We do not make any representations, warranties, or guarantees of any kind that the Services are appropriate for you. Before using the Services, you should consider obtaining additional information and advice from a financial adviser.

For more information about the Services, please review these Terms and visit our Frequently Asked Questions on the Website or the Application.

How do I check the balance in my Maza Savings Reserve?

You may obtain information about the balance of funds in your Maza Savings Reserve at any time by logging in to your Maza Savings Reserve in the Application.

Will I receive interest on the funds held in my Maza Savings Reserve?

Though you may receive other rewards and bonuses, some of which may be based on a percentage of your Savings Reserve balance, you agree that you will not receive interest or other earnings on the funds in your Maza Savings Reserve. You irrevocably transfer and assign to Maza any and all rights that you may have to any interest that may accrue on funds held in your Maza Savings Reserve. This assignment applies only to interest earned on the funds held in your Maza Savings Reserve, and nothing in these Terms grants Maza any rights to the principal of the funds held in your Maza Savings Reserve.

What are some restrictions on using the Services?

You may only use the Services for your own personal, non-commercial use and not on behalf of or for the benefit of any third party. Your use of the Services must comply with all applicable law. If your use of the Services is prohibited by applicable law, then you are not authorized to use the Services. We are not responsible if you use the Services in any manner that violates applicable law.

You agree not to authorize any other person or entity to use your user name and password or mobile device to access the Services. You are solely responsible for the maintenance, confidentiality, and security of your username, password, and other User Information. Except as otherwise required by applicable law, you are responsible for all transactions and other activities authorized or performed using your username and password or mobile device, whether authorized or unauthorized by you. Except as otherwise expressly stated in these Terms or required by applicable law, we are not responsible for any losses arising out of the loss or theft of your User Information or your mobile device or from unauthorized or fraudulent transactions associated with your Bank Account or your Maza Savings Reserve. If you suspect or become aware of any unauthorized activity or access to your username, password, or mobile device, you must contact us immediately at help@withmaza.com.

We offer the Services and the features, information, materials, and content provided and depicted through the Services (collectively, "Content") solely for your personal use for the purposes described therein and in these Terms. Any and all other uses are prohibited. You may not restrict or inhibit any other person from using or enjoying the Services or Content.

The Services and Content are protected by copyright, trademark, patent, and other intellectual property laws. We expressly reserve all rights and remedies under applicable law. Except as expressly provided by these Terms or with our prior written consent, you may not use, modify, disassemble, decompile, reverse engineer, reproduce, distribute, rent, sell, license, publish, display, download, transmit, or otherwise exploit any Content in any form by any means. Without limiting the foregoing, you agree not to (and not to allow any third party to): (a) use any robot, spider, scraper, or other automatic or manual device, process, or means to access the Services or copy any Content, except as expressly authorized by us; (b) take any action that imposes or may impose (in our sole determination) an unreasonable or a disproportionately large load on the Services or our infrastructure; (c) utilize any device, software, or routine that will interfere or attempt to interfere with the functionality of the Services; (d) rent, lease, copy, provide access to, or sublicense any portion of the Services or Content to a third party; (e) use any portion of the Services or Content to provide, or incorporate any portion of the Services or Content into, any product or service provided to a third party; (f) reverse engineer, decompile, disassemble, or otherwise seek to obtain the source code of the Services or Content; (g) modify the Services or Content or create any derivative product from any of the foregoing; (h) remove or obscure any proprietary or other notices contained in the Services or Content; (i) use the Services or Content in any way that is illegal, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable, as we may determine in our sole discretion; (j) jeopardize the security of your Maza Savings Reserve or any other person’s Maza Savings Reserve (such as allowing someone else to use your username and password to access the Services); (k) attempt, in any manner, to obtain the username, password, account, or other security information from any other user of the Services; (l) violate the security of any computer network or crack any passwords or security encryption codes; or (m) run Maillist, Listserv, any form of auto- responder or “spam,” or any processes that run or are activated while you are not logged in to access the Services. We may, but are not obligated to, monitor your use of the Services and Content.

We do not grant you any licenses, express or implied, to our intellectual property or the intellectual property of our licensors, except as expressly stated in these Terms. We and our third-party licensors retain all right, title, and interest in and to the Services, Content, and any associated patents, trademarks, copyrights, mask work rights, trade secrets, and other intellectual property rights.

The Services may permit you to submit content, send emails and other communications, and provide other information for publication or distribution to third parties (collectively, “User Content”). Any User Content must not be illegal, threatening, obscene, racist, defamatory, libelous, pornographic, infringing of intellectual property rights, promoting of illegal activity or harm to groups and/or individuals, invasive of privacy, purposely false or otherwise injurious to third parties, or objectionable and must not consist of or contain software, computer viruses, commercial solicitation, political campaigning, chain letters, mass mailings, or any form of “spam.” If you submit User Content, and unless we indicate otherwise, you grant us a nonexclusive, perpetual, royalty-free, irrevocable, and fully sublicensable (through multiple tiers) right to use, modify, reproduce, adapt, translate, publish, create derivative works from, distribute, display, and otherwise exploit such User Content throughout the world in any media. We take no responsibility and assume no liability for any User Content submitted by you or any other user or third party.

To the extent permitted by applicable law, we may, in our sole discretion and without liability to you, terminate (or suspend access to) your use of the Services, Content, or your Maza Savings Reserve for any reason, including, but not limited to, your breach of these Terms.

What do I do if my mobile device is lost or stolen or if I suspect someone has gained unauthorized access to my username or password?

If your mobile device is lost or stolen or if you suspect someone has gained unauthorized access to your username or password, you must contact us immediately by emailing help@withmaza.com. In order to take any action, you will need to provide certain User Information so we can verify your identity.

How does Maza use text or email messages to communicate with me about the Services?

Maza communicates by text messages, email, push notifications, and other alerts. In order to use the Services, you must provide and verify your mobile device number or other text message address to us, and you must expressly consent to receive text messages relating to the Services at that number or address. This is a condition of the Services. See the Maza SMS Terms and Conditions below for more details.

In addition, if you provide your email address to us, we will send you notices via email about the Services, including promotional materials about related Maza Services that could enhance your Maza experience. Please see our Privacy Policy for further details. You can unsubscribe from promotional emails by clicking the Unsubscribe link at the bottom of those emails.

What do I need to know about third-party websites?

The Services may contain links or connections to third-party websites or services that are not owned or operated by us or our third-party service providers or licensors. We provide such links and connections for your reference only. We do not control such third-party websites or services and are not responsible for their availability or content. Our inclusion of such links and connections does not imply our endorsement of such third-party websites or services or any association with their owners or operators. We assume no liability whatsoever for any such third-party websites or services or any content, features, products, or practices of such third-party websites or services. Your access and use of such third-party websites and services are subject to applicable third-party terms and conditions and privacy policies. We encourage you to read the terms and conditions and privacy policy of each third-party website or service that you visit or utilize.

What if I want to stop using the Services?

You may immediately stop using the Maza Subscription Service and close your Maza Savings Reserve at any time by canceling your subscription in the mobile Application. Notwithstanding the foregoing, if there are any pending transactions relating to your Maza Savings Reserve when we receive your termination notice, we will close your Maza Savings Reserve promptly after such transactions are completed. Your termination of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination.

Upon the closure of your Maza Savings Reserve, we will transfer the funds in your Maza Savings Reserve, if any, to your Bank Account from which the funds originated. If your Bank Account is closed or we are otherwise unable to transfer the funds in your Maza Savings Reserve to your Bank Account, we will send you a check for the amount of the funds to you at your street address in our records. We reserve the right not to return the funds to you if the balance in your Savings Reserve is $1.00 or less. See the Maza Savings Reserve Agreement for full details.

If you do not use the Services for a certain period of time, applicable law may require us to report the funds in your Maza Savings Reserve as unclaimed property. If this occurs, we may try to locate you at the address shown in our records. If we are unable to locate you, we may be required to deliver any funds in your Maza Savings Reserve to the applicable state as unclaimed property. The specified period of time to report and deliver funds to a state varies by state, but usually ranges between two and five years.

Provisions of these Terms that, by their nature, should survive termination of these Terms will survive termination of these Terms.

Will Maza ever change these Terms or the Services?

We may add to or terminate any of the Services or amend these Terms at any time, in our sole discretion, without providing notice to you, subject to applicable law. We reserve the right, subject to applicable law, to deliver to you any notice of changes to existing terms or the addition of new terms by posting an updated version of these Terms on the Website and the Application or delivering notice thereof to you electronically. You are free to decide whether or not to accept a revised version of these Terms, but accepting these Terms, as revised, is required for you to continue accessing or using the Services. If you do not agree to these Terms or any revised version of these Terms, your sole recourse is to terminate your access or use of the Services. Except as otherwise expressly stated by us, your access and use of the Services are subject to, and constitute your acceptance of, the version of these Terms in effect at the time of your access or use.

What about my privacy?

Maza takes the privacy of its users very seriously. You understand that by using the Services, you consent to the collection, use, storage, and disclosure of your information as set forth in these Terms and our Privacy Policy.

What else do I need to know about the Services?

Please see the Additional Terms below for further details about using Maza Services.

Additional Terms

Additional Terms. In conjunction with your access or use of the Services and agreement to the Services Agreements, you may be subject to additional terms, rules, policies, and conditions that are posted on the Website or the Application, including, but not limited to, terms and conditions for our referral or rewards programs (the "Additional Terms"), which are hereby incorporated by reference into these Terms. In the event of a conflict between any Additional Terms and these Terms, these Terms will control.

Your Consent to Use Electronic Signatures and Communications. To the extent permitted by applicable law, you consent to use electronic signatures and to electronically receive all records, notices, statements, communications, and other items for all services provided to you under these Terms and in connection with your relationship with us (collectively, "Communications") that we may otherwise be required to send or provide you in paper form (e.g., by mail). By accepting and agreeing to these Terms electronically, you represent that: (1) you have read and understand this consent to use electronic signatures and to receive Communications electronically; (2) you satisfy the minimum hardware and software requirements specified below; and (3) your consent will remain in effect until you withdraw your consent as specified below.

Your Right to Withdraw Your Consent for Electronic Communications. Your consent to receive Communications electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further Communications electronically at any time by contacting us at help@withmaza.com. If you withdraw your consent to receive Communications electronically, we will close your Maza Savings Reserve and return the balance in your Maza Savings Reserve to your Bank Account as set forth in these Terms, and you will no longer be able to use your Maza Savings Reserve or the Services, except as expressly provided in these Terms. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. Please note that withdrawal of your consent to receive Communications electronically will not apply to Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

You Must Keep Your Contact Information Current With Us. In order to ensure that we are able to provide Communications to you electronically, you must notify us of any change in your email address and your mobile device number or other text message address by updating your profile in the mobile Application.

Copies of Communications. You should print and save and/or electronically store a copy of all Communications that we send to you electronically.

Hardware and Software Requirements. In order to access and retain Communications provided to you electronically, you must have: (1) a valid email address; (2) a computer or other mobile device (such as tablet or smartphone) that operates on a platform like iOS, Chromium or Windows; (3) a connection to the Internet; (4) a Current Version of a web browser including Chrome, Safari, Edge or Firefox; (5) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader; (6) a computer or device and an operating system capable of supporting all of the above; and (7) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form. "Current Version" means a version of the software that is currently being supported by its publisher.

Changes to Forms of Communication. We reserve the right, in our sole discretion, to communicate with you in paper form. In addition, we reserve the right, in our sole discretion, to discontinue the provision of electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. Except as otherwise required by applicable law, we will notify you of any such termination or change by updating these Terms on the Website and the Application or delivering notice of such termination or change electronically.

Maza SMS Terms and Conditions. Maza is an SMS service that notifies you of any important updates, changes, or transactions from your Maza Savings Reserve. These include suspicious activity alerts, account updates, sign-in attempts, and card transactions.

You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

Third-party data and message fees may apply. Text messages may include pre-recorded, autodialed and promotional messages. You may instruct us not to send further text messages by replying STOP to any message you receive from us. Standard third-party data and message fees may apply depending on your mobile service. To verify your mobile device number or text message address, we may send you a code via text message to the mobile device number or text message address you provide, and you must enter that code as instructed by us. If you change your mobile device number or text message address, you must promptly provide and verify your new mobile device number or text message address.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at help@withmaza.com

Carriers are not liable for delayed or undelivered messages

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive a varied frequency of messages depending on your account and card activity. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our Privacy Policy.

Warranty Disclaimer. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THESE TERMS, YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR THIRD-PARTY SERVICE PROVIDERS EXPRESSLY DISCLAIM ANY AND ALL CONDITIONS, REPRESENTATIONS, AND WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE AND OUR THIRD-PARTY SERVICE PROVIDERS MAKE NO WARRANTY THAT (A) THE SERVICES WILL MEET YOUR REQUIREMENTS, (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, OR (E) ANY ERRORS IN THE SERVICES WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE OBTAINED BY YOU FROM US OR OUR THIRD-PARTY SERVICE PROVIDERS THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT MAZA, ITS AFFILIATES, AND ITS AND THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, AND THIRD-PARTY SERVICE PROVIDERS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR (A) THE PERFORMANCE OF THE SERVICES OR THE INABILITY TO USE THE SERVICES; (B) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF SUCH PERSONS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHICH ARISE OUT OF OR ARE IN ANY WAY CONNECTED WITH THESE TERMS, THE SERVICES, OR CONTENT; (C) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF $100 OR THE AMOUNT TRANSFERRED FROM YOUR BANK ACCOUNT TO YOUR SAVINGS RESERVE VIA THE SERVICES; OR (D) ANY EVENT BEYOND OUR REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnity. At our request, you agree to indemnify and hold us and our officers, directors, shareholders, employees, successors, predecessors, representatives, principals, agents, assigns, service providers, parents, subsidiaries, affiliates and/or insurers harmless for any losses, damages, suits and expenses, including reasonable attorneys’ fees, that we may incur, without regard to the merit or lack thereof, arising out of, or related in any way to (1) the matters set forth in this Agreement; (2) our taking any action or not taking any action that we are entitled to take pursuant to this Agreement; (3) any action or omission by you; or (4) our action or inaction in reliance upon oral, written or electronic instructions or information from you.

Equally, you agree to indemnify and hold Maza and their officers, directors, shareholders, employees, successors, predecessors, representatives, principals, agents, assigns, parents, subsidiaries and/or insurers harmless for any losses, damages, suits and expenses, including reasonable attorneys’ fees, that we may incur, without regard to the merit or lack thereof, arising out of, or related in any way to (1) the matters set forth herein; (2) our taking any action or not taking any action that we are entitled to take pursuant to this Agreement; (3) any action or omission by you; or (4) our action or inaction in reliance upon oral, written or electronic instructions or information from you.

Assignment. You may not transfer, assign, or delegate these Terms or your rights or obligations hereunder or your Maza Savings Reserve in any way (by operation of law or otherwise) without our prior written consent. To the extent permitted by applicable law, we may transfer, assign, or delegate these Terms and our rights and obligations hereunder without your consent.

Third-Party Beneficiary. You agree that our third-party services providers are third-party beneficiaries of the applicable provisions of these Terms, with all rights to enforce such provisions as if such service providers were a party to these Terms.

Governing Law. These Terms are made under and will be governed by and construed in accordance with the laws of the State of Delaware, consistent with the Federal Arbitration Act, without giving effect to any principles that provide for the application of the law of another jurisdiction.

DISPUTE RESOLUTION BY BINDING ARBITRATION: JURY TRIAL WAIVER: CLASS ACTION WAIVER. 

If a dispute arises, our goal is to address your concerns and, if we are unable to do so, to provide you with a neutral and cost-effective means of resolving the dispute quickly. You agree that before filing any claim in arbitration, you will first submit your issue to us by email at help@withmaza.com and provide us with at least thirty (30) business days to resolve your concern prior to initiating arbitration (“Cooling Off Period”).

For any and all controversies, disputes, demands, claims, or causes of action between you and us (including the interpretation and scope of this Section and the arbitrability of the controversy, dispute, demand, claim, or cause of action) relating to the Services or these Terms (as well as any related or prior agreement that you may have had with us) that cannot be resolved during the Cooling Off Period, you and we agree to resolve any such controversy, dispute, demand, claim, or cause of action exclusively through binding and confidential arbitration. The arbitration will take place in the federal judicial district of your residence. As used in this Section, “we” and “us” mean Maza and its subsidiaries, affiliates, predecessors, successors, and assigns and all of its and their respective employees, officers, directors, agents, and representatives. In addition, “we” and “us” include any third party providing any product, service, or benefit in connection with the Services or these Terms (as well as any related or prior agreement that you may have had with us) if such third party is named as a co-party with us in any controversy, dispute, demand, claim, or cause of action subject to this Section.

Arbitration will be subject to the Federal Arbitration Act and not any state arbitration law. The arbitration will be conducted before one commercial arbitrator from the American Arbitration Association ("AAA") with substantial experience in resolving commercial contract disputes. As modified by these Terms, and unless otherwise agreed upon by the parties in writing, the arbitration will be governed by the AAA’s Commercial Arbitration Rules and, if the arbitrator deems them applicable, the Supplementary Procedures for Consumer Related Disputes (collectively, the "Rules and Procedures").

You should review this provision carefully. To the extent permitted by applicable law, you are GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights EXCEPT for matters that you file in small claims court in the state or municipality of your residence within the jurisdictional limits of the small claims court and as long as such matter is only pending in that court. Additionally, notwithstanding this agreement to arbitrate, either party may seek emergency equitable relief in federal court if it has jurisdiction or, if it does not, in a state court located in the federal judicial district of your residence in order to maintain the status quo pending arbitration, and each party hereby agrees to submit to the exclusive personal jurisdiction of the courts located within the federal judicial district of your residence for such purpose. A request for interim measures will not be deemed a waiver of the obligation to arbitrate.

Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You are entitled to a FAIR HEARING, BUT the arbitration procedures may be SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. Arbitrators’ decisions are as enforceable as any court order and are subject to VERY LIMITED REVIEW BY A COURT.

You and we must abide by the following rules: (A) ANY CLAIMS BROUGHT BY YOU OR US MUST BE BROUGHT IN THE PARTY’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING; (B) THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS, MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING, AND MAY NOT AWARD CLASS-WIDE RELIEF; (c) in the event that you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive as compared to the cost of litigation, (d) we also reserve the right, in our sole and exclusive discretion, to assume responsibility for any or all of the costs of the arbitration; (e) the arbitrator will honor claims of privilege and privacy recognized at law; (f) the arbitration will be confidential, and neither you nor we may disclose the existence, content, or results of any arbitration, except as may be required by applicable law or for purposes of enforcement of the arbitration award; (g) subject to the limitation of liability provisions of these Terms, the arbitrator may award any individual relief or individual remedies that are expressly permitted by applicable law; and (h) each party will pay its own attorneys’ fees and expenses, unless there is a statutory provision that requires the prevailing party to be paid its fees and litigation expenses and the arbitrator awards such attorneys’ fees and expenses to the prevailing party, and, in such instance, the fees and costs awarded will be determined by the applicable law.

This Section will survive termination of your Maza Savings Reserve and these Terms as well as any voluntary payment of any debt in full by you or any bankruptcy by you or us. With the exception of subparts (a) and (b) of this Section (prohibiting arbitration on a class or collective basis), if any part of this arbitration provision is deemed to be invalid, unenforceable, or illegal, or otherwise conflicts with the Rules and Procedures, then the balance of this arbitration provision will remain in effect and will be construed in accordance with its terms as if the invalid, unenforceable, illegal, or conflicting part was not contained herein. If, however, either subpart (a) or (b) of this Section is found to be invalid, unenforceable, or illegal, then the entirety of this arbitration provision will be null and void, and neither you nor we will be entitled to arbitration. If for any reason a claim proceeds in court rather than in arbitration, the dispute will be exclusively brought in federal court if it has jurisdiction or, if it does not, in a state court located in the federal judicial district of your residence.

If you wish to opt out of this arbitration provision, you must notify us of your election in writing within 30 days of the date that you first became subject to this arbitration provision or within 30 days of the effective date of any material change to these Terms by sending a written notice to us by certified mail at the following address: Maza, Inc., 645 W 9th St #110-266, Los Angeles, CA 90014, Attn: Arbitration Opt-Out. Your opt-out notice must include your name, address, phone number, and email address.

For more information on the AAA, the Rules and Procedures, or the process for filing an arbitration claim, you may call the AAA at 800-778-7879 or visit the AAA website at http://www.adr.org.

Miscellaneous. You will be responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Services, provided that we may, in our sole discretion, do any of the foregoing on your behalf or for ourselves. The failure of either you or us to exercise, in any way, any right herein will not be deemed a waiver of any further rights hereunder. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that these Terms will otherwise remain in full force and effect and enforceable. The Services Agreements and any Additional Terms, constitute the entire and sole agreement between you and us with respect to the Services and supersedes all prior understandings, arrangements, or agreements, whether written or oral, regarding the Services. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of Maza, and you do not have any authority of any kind to bind Maza in any respect whatsoever.

Contacting us

If you have any questions regarding any of the Services Agreements or Additional Terms, or if you wish to ask us to delete, correct, or show you your Personal Information as provided above, please email us at help@withmaza.com, or write to us at:

Maza, Inc.

645 W 9th St #110-266 

Los Angeles, CA 90014

Attention: Maza Legal

You can also contact us through live agent chat. Agents are available Monday through Friday from 9am to 6pm PST. You may also contact us by email at help@withmaza.com and by telephone at 1-510-945-1662.

Sensitive Information: Because email communications are not always secure, please do not include credit card or other sensitive Data (such as racial or ethnic origin, political opinions, religion, health, or the like) in Your emails to us.