Legal
Terms of Service
These Terms of Service govern your access to and use of the ZOE Connect website, mobile applications, and services. Please read them carefully.
1. Acceptance of terms
By accessing or using ZOE Connect, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the service. We may update these terms from time to time, and continued use after changes constitutes acceptance.
2. Description of service
ZOE Connect provides a platform to purchase mobile airtime top-ups, digital gift cards, and related payment services delivered through third-party providers such as Reloadly and Stripe. We are not a telecommunications operator, bank, or money transmitter. The actual goods and services are supplied by our partners and the recipient operators or merchants.
3. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use ZOE Connect. You represent that all information you provide is accurate, complete, and current. Accounts may be suspended if eligibility requirements are not met.
4. Orders and payments
All charges are displayed before checkout. By submitting an order, you authorize us to charge your selected payment method. Prices may include service fees, which are shown separately. Payments are processed by Stripe; card data is handled according to Stripe's terms and PCI DSS requirements.
5. Delivery and fulfillment
Mobile top-ups and gift cards are typically delivered within minutes, but delivery times may vary based on the operator, merchant, or network conditions. Once a code is displayed or a top-up is confirmed delivered by the operator, the transaction is considered complete and generally non-refundable.
6. Refunds and cancellations
Refunds are granted at our sole discretion and only when a transaction has failed or was not delivered due to a technical error on our side. Successful deliveries are not eligible for refund. If you believe a delivery failed, contact support with your order reference.
7. Prohibited use
You may not use ZOE Connect for unlawful purposes, fraud, money laundering, or to harass any person. We reserve the right to suspend accounts, cancel orders, and cooperate with law enforcement where prohibited activity is suspected.
8. Intellectual property
All content, branding, logos, and software on ZOE Connect are owned by ZOE Connect or its licensors. You may not reproduce, distribute, or create derivative works without written permission.
9. Limitation of liability
To the fullest extent permitted by law, ZOE Connect and its affiliates are not liable for indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the service. Our total liability is limited to the amount you paid for the specific transaction giving rise to the claim.
10. Governing law and disputes
These terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in Florida.
11. Contact us
If you have questions about these Terms of Service, please contact us at support@zoesend.com.
FAQ
Frequently asked questions
What happens if my top-up or gift card isn't delivered?
Most deliveries complete within minutes. If a transaction fails or isn't confirmed delivered by our provider, contact support with your order reference and we'll investigate. Refunds are granted at our sole discretion when the failure is due to a technical error on our side.
Can I cancel or refund a completed order?
Once a top-up is confirmed delivered or a gift card code has been displayed, the transaction is considered complete and generally non-refundable. You can request a review for failed or undelivered orders by emailing support@zoesend.com.
Who actually provides the airtime or gift card?
ZOE Connect is a platform, not a mobile operator or merchant. Airtime is delivered by Reloadly and the recipient's operator network. Gift cards are issued by the selected brand or merchant. We coordinate payment and delivery through these partners.
What payment methods do you accept?
We accept major credit and debit cards through Stripe's secure checkout, including Visa, Mastercard, American Express, and Discover. Available methods may vary by country.
How old do I need to be to use ZOE Connect?
You must be at least 18 years old and capable of forming a binding contract. Accounts may be suspended if eligibility requirements are not met.
Are there service fees?
All charges, including any service fee, are shown clearly before you complete checkout. Fees help cover payment processing and platform operations.
Last updated: July 31, 2026.