Last updated: February 26, 2026
Effective date: March 28, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. By using our services, clicking "I Accept" or creating an account, you acknowledge that you have read, understood, and agree to be bound by all of these terms. If you do not agree, do not use our services.
These terms include important clauses, including:
1.1. Contract: These Terms of Service (the "Terms") constitute a legally binding contract between you ("you", "the User") and Axa Zara LLC ("Chariow", "we", "our"). They govern your access to and use of the Chariow platform, its websites, services, and applications (the "Platform").
1.2. Eligibility: You declare that you are at least 18 years old, the legal age to enter into a contract, and have the necessary authority to accept these Terms, whether on your own behalf or on behalf of the entity you represent.
1.3. Modifications: We reserve the right to modify these Terms at any time, at our sole discretion.
(a) Substantial Modifications: For any change affecting your rights, obligations, commissions, refund policies, management of your Products, or dispute resolution mechanisms, we will notify you by email at least thirty (30) days before the modifications take effect. The email subject will clearly indicate that it is a Terms of Service update.
(b) Non-Substantial Modifications: Typographical corrections, minor rewording, or clarification additions will take effect upon their publication on this page, with the "Last updated" date updated.
(c) Acceptance: Your continued use of the Platform after the effective date of modifications constitutes your acceptance of the revised Terms. If you do not accept the new Terms, you must stop using the Platform and close your account in accordance with Article 18.1.
2.1. Technology Platform: Chariow is a technology platform that provides content creators ("Creators" or "Sellers") with software tools to sell and distribute digital products and services ("Products") directly to buyers ("Buyers").
2.2. Chariow's Role: Chariow is a service of Axa Zara LLC, a US company registered in the State of Delaware. Axa Zara LLC acts as a software service provider and is not a party to the transaction between the Seller and the Buyer. We are neither a payment service provider nor a "Merchant of Record". Payment, billing, and payout services are provided by licensed third-party service providers, particularly in partnership with MiMo Global Inc and its subsidiaries.
The Chariow Platform is operated from the United States. Currently, our services are not intended for use by persons or entities located in the European Union. By using this Platform, you declare and warrant that you are not located in a European Union member country. If you access the Platform from other jurisdictions, you do so at your own initiative and are solely responsible for compliance with applicable local laws, including data protection laws in force in your country of residence.
4.1. Registration: To use most features, you must create an account. You agree to provide accurate, current, and complete information and to keep it updated.
4.2. Security: You are solely responsible for the confidentiality of your credentials and all activities that occur under your account. You must notify us immediately of any unauthorized use.
4.3. Identity Verification (KYC): We reserve the right to ask you to verify your identity to access our services. This may include providing your banking details, a valid ID document, and/or proof of address. You consent to us sharing this information with secure verification agencies and, if necessary, with regulatory authorities.
4.4. Email Address: It is your responsibility to maintain a valid and functional email address associated with your account. Notifications sent to this address are considered received, whether you check them or not.
5.1. Operation License: To enable us to operate the Platform, you grant us a worldwide, non-exclusive, transferable, sublicensable, and royalty-free license to use, host, store, reproduce, modify (for example, for formatting), publicly display, and distribute your content and Products. This license is solely for the purpose of operating, promoting, and improving the Platform.
5.2. Commercialization License: You authorize us to commercialize, promote, and make your Products available for sale on the Platform. You also grant us the right to use your name, trademarks, and logos ("Your Marks") in the context of promoting your Products.
If you sell Products on Chariow, you accept and warrant the following:
6.1. Product Responsibility: You are solely and entirely responsible for the quality, content, legality, and description of your Products.
6.2. Ownership and Rights: You warrant that you hold all necessary rights, licenses, and authorizations (including copyright, trademark, and other intellectual property rights) to sell and distribute the Products you offer on the Platform.
6.3. Content and Code of Conduct: You commit not to sell, distribute, or promote content that is illegal, fraudulent, hateful, counterfeit, defamatory, pornographic, dangerous, or that violates the rights of a third party.
6.4. Prohibited Activities: It is strictly forbidden to use bots, attempt to circumvent our commissions, manipulate our system, or interfere with the proper functioning of the Platform.
To maintain the quality and relevance of the Platform's catalog, Chariow implements an automated Product lifecycle management system. This system operates continuously and automatically.
7.1. Published Products Without Sales: Any Product published on the Platform for more than ninety (90) consecutive days without generating any sales will be automatically reverted to draft status. The Seller will be notified by email fourteen (14) days before this action and may republish the Product at any time after it is moved to draft.
7.2. Inactive Drafts: Any Product in draft status for more than sixty (60) consecutive days without modification or sale will be automatically moved to trash. The Seller will be notified by email fourteen (14) days before this action and may restore the Product from trash.
7.3. Permanent Deletion: Any Product placed in trash for more than thirty (30) days will be automatically and permanently deleted, including all associated files. This deletion is irreversible. The Seller will be notified by email seven (7) days before permanent deletion.
7.4. Active Product Protection: No Product that has generated at least one (1) confirmed sale will be subject to the automatic actions described in Articles 7.1 to 7.3. Similarly, no Product that is the subject of an active dispute will be affected by these automatic actions.
7.5. Data Conservation: The deletion of a Product does not result in the deletion of sales data, transaction records, or billing information associated with it. This data is retained in accordance with our legal and contractual obligations.
7.6. Responsibility: Chariow shall not be held liable for the loss of Products resulting from the application of this article, provided that the required notifications have been sent to the email address associated with the Seller's account. It is the Seller's responsibility to keep their Products updated and to regularly check their notifications.
In addition to your Products, the Platform may allow you to publish other types of content, such as comments, reviews, or messages ("User Content").
8.1. Courtesy and Respect: You commit to interacting with other users in a respectful manner. Harassment, hate speech, discrimination, and threats are strictly prohibited.
8.2. Prohibited Content: It is forbidden to publish private information about others (doxing), spam, malicious links, or any content that violates our rules.
8.3. License on User Content: By publishing User Content on the Platform, you grant us a worldwide, non-exclusive, and royalty-free license to display, reproduce, and distribute this content as part of the Platform's operation.
8.4. Reporting: We provide you with tools to report content or behaviors that violate these rules. We reserve the right to remove any content and take action against violating accounts.
9.1. Respect for Creators' Intellectual Property
(a) Content Ownership: Creators retain full and exclusive copyright ownership of the original content they publish on Chariow.
(b) Prohibition of Unauthorized Use: It is strictly forbidden for any user to use, copy, or distribute another Creator's content for promotional purposes without having obtained their prior written and explicit authorization.
9.2. Prohibition of False Advertising: Any form of false advertising or deceptive commercial practice is strictly prohibited. This includes, without limitation:
9.3. Measures in Case of Violation: Chariow reserves the right, at its sole discretion, to apply one or more of the following measures:
10.1. Prohibition: It is strictly forbidden to use the Chariow Platform to sell, distribute, or promote products or services that exploit, reproduce, or reference trademarks of which you are not the owner or duly authorized representative.
10.2. Specifically Prohibited Activities: Without limiting the general scope of Article 10.1, the following activities are expressly prohibited:
10.3. Reporting Procedure for Rights Holders: Any trademark rights holder may report a violation to support[at]chariow.com by providing:
10.4. Counter-notification: The Seller whose Product is the subject of a report under this article has fourteen (14) days to contest the decision by providing proof of their right to use. In the absence of a counter-notification within this period, the measures provided for in Article 9.3 shall apply.
10.5. Compliance Period: In the event of modification of this article, Sellers have seven (7) days from notification to remove or bring into compliance any existing Product. After this period, Chariow will apply the measures provided for in Article 9.3.
10.6. Seller Responsibility: The Seller is solely and entirely responsible for any trademark rights violation resulting from their Products. The Seller agrees to indemnify Chariow in accordance with Article 19 for any claim, lawsuit, or damage resulting from such violation.
11.1. Pricing: Access to our services may be charged through a commission on each sale or through a subscription plan. The applicable pricing structure (commission or service fees) will depend on the plan in effect for the Seller's store.
11.2. Payments: Creator earnings (after deduction of applicable fees) are credited to their "Wallet Axa Zara" seventy-two (72) hours after the transaction. In case of delay exceeding this period, the Seller may contact our team at support[at]chariow.com to report the issue and obtain a resolution.
11.3. Taxes: You are solely and entirely responsible for determining, reporting, and remitting all taxes (VAT, sales taxes, income taxes, etc.) applicable to the sale of your Products. Chariow does not provide tax advice and shall not be held liable for non-compliance with your tax obligations.
Product prices may be displayed in different currencies. Exchange rates are provided by third-party services and may include conversion or interchange fees. Chariow is not responsible for exchange rate fluctuations or fees applied by third-party payment providers.
13.1. Refund Policy: Each Seller is responsible for their own refund policy, which they must clearly communicate to Buyers before the sale.
13.2. Payment Rejections (Chargebacks): In case of payment rejection (chargeback), dispute fees may be deducted from your earnings. Chariow reserves the right to withhold corresponding funds until the dispute is resolved.
14.1. Third-Party Sharing: To provide our services, we may share information with third-party partners (payment processors, identity verification services, hosting services), in accordance with our Privacy Policy available on our website.
14.2. Collected Data: In the course of using the Platform, we collect certain technical data such as your IP address, user agent, and approximate geolocation information. This data is collected for the following purposes: fraud prevention, regulatory compliance, service improvement, and user experience personalization.
14.3. Cookies and Tracking Technologies: The Platform uses cookies and similar technologies to ensure proper functioning, analyze usage trends, and personalize your experience. For more information, please consult our Cookie Policy available on our website.
You grant us the right to collect usage data (clicks, page views, etc.) in an anonymized and aggregated manner. We use this data to analyze trends, improve our services and algorithms. This aggregated data will never allow us to identify you personally.
16.1. Copyright (DMCA): If you believe your copyrighted work has been copied or used in an infringing manner on the Platform, please contact us following the procedure provided by the Digital Millennium Copyright Act (DMCA) at support[at]chariow.com. Your notification must include:
16.2. Trademarks: If you believe a trademark of which you are the holder is being used without authorization on the Platform, please follow the procedure described in Article 10.3.
16.3. Counter-notification: If your Product has been removed following a report and you believe the removal is unjustified, you may submit a counter-notification in accordance with Section 512(g) of the DMCA (for copyrights) or Article 10.4 (for trademarks).
16.4. Repeat Infringer Policy: In accordance with Section 512(i) of the DMCA, Chariow enforces a repeat infringer policy. Accounts that have been the subject of three (3) confirmed intellectual property violation reports may be permanently closed.
Chariow and Axa Zara LLC retain all intellectual property rights over the Platform, including its source code, design, trademarks, logos, and original content. No provision of these Terms grants you any ownership rights over the Platform or any of its elements.
18.1. By You: You may terminate your account at any time using your account settings or by contacting our team at support[at]chariow.com.
18.2. By Us: We may suspend or terminate your account in the following cases:
(a) Without notice: In case of serious violation of these Terms, including but not limited to: fraud, illegal activity, repeated intellectual property violations, or any activity endangering the security of the Platform or its users.
(b) With fifteen (15) days' notice: For any other violation of these Terms. During this period, the Seller may come into compliance to avoid closure.
18.3. Effects of Termination: In case of termination, unpaid and undisputed earnings will be credited to your Wallet in accordance with standard timelines, subject to any fund retention provided for in Article 9.3. The licenses you granted to Chariow under Article 5 will terminate, except to the extent necessary to honor sales already made and legal obligations.
You agree to indemnify, defend, and hold harmless Chariow, Axa Zara LLC, its officers, employees, and agents from any claim, lawsuit, damage, loss, liability, cost, and expense (including reasonable attorney fees) resulting from:
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CHARIOW EXPRESSLY EXCLUDES ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CHARIOW DOES NOT WARRANT THAT THE PLATFORM WILL BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS, OR THAT THE RESULTS OBTAINED WILL BE ACCURATE OR RELIABLE.
21.1. Cap: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF CHARIOW AND AXA ZARA LLC TO YOU, FOR ANY CAUSE AND REGARDLESS OF THE FORM OF ACTION, SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES WE RECEIVED FROM YOUR SALES DURING THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).
21.2. Exclusions: IN NO EVENT SHALL CHARIOW BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, DATA, OR GOODWILL, EVEN IF CHARIOW HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
21.3. Exceptions: The limitations of Articles 21.1 and 21.2 do not apply in cases of gross negligence or willful misconduct by Chariow, nor to the extent that applicable law prohibits such limitations.
You release Chariow, Axa Zara LLC, its officers, employees, and agents from any claim, known or unknown, resulting from disputes between you and other users of the Platform, including disputes related to transactions, Products, or User Content.
23.1. Automated Decisions: The Platform uses automated systems for certain operations, including: Product lifecycle management (Article 7), fraud detection, content moderation, and user experience personalization.
23.2. Recourse: If you believe an automated decision affects you in an unjustified manner, you may contact our team at support[at]chariow.com to request a human review of the decision within thirty (30) days following notification of said decision.
As a US company, we are required to comply with economic sanctions laws administered by the Office of Foreign Assets Control (OFAC) of the US Department of the Treasury. You declare and warrant that:
We reserve the right to suspend or immediately close without notice any account suspected of violating these regulations, in accordance with our legal obligations.
Chariow shall not be held liable for any failure or delay in performing its obligations under these Terms, where such failure or delay results from events beyond its reasonable control, including but not limited to: natural disasters, acts of war or terrorism, network or infrastructure failures, governmental acts, pandemics, or third-party provider failures.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
26.1. Informal Negotiation: In case of any dispute arising from or related to these Terms or your use of the Platform, you agree to contact us first at support[at]chariow.com to attempt to resolve the dispute informally within sixty (60) days.
26.2. Mandatory Arbitration: Any dispute not resolved through informal negotiation will be resolved by individual and binding arbitration in accordance with the Consumer Arbitration Rules of the American Arbitration Association (AAA). Arbitration will be conducted in English. The seat of arbitration will be in the State of Delaware, United States, unless AAA rules provide for the possibility of remote arbitration.
26.3. Class Action Waiver: YOU AGREE THAT ALL PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE PROCEEDING.
26.4. Opt-Out Right: You may opt out of the mandatory arbitration clause by sending us written notice at support[at]chariow.com within thirty (30) days of your first acceptance of these Terms. This notice must include your full name, the email address associated with your account, and a clear statement of your refusal of the arbitration clause.
26.5. Exceptions: Notwithstanding the foregoing, each party retains the right to seek injunctive relief or other provisional measures from any competent court to protect its intellectual property rights.
These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of laws principles.
28.1. Entire Agreement: These Terms, together with the Privacy Policy and any other policy published on the Platform, constitute the entire agreement between you and Chariow regarding the use of the Platform, and supersede any prior agreement.
28.2. Severability: If any provision of these Terms is held invalid, illegal, or unenforceable by a competent court, the remaining provisions shall remain in full force and effect.
28.3. Waiver: Chariow's failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
28.4. Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Chariow may assign its rights and obligations without restriction.
For any questions regarding these Terms, please contact us:
Email: support[at]chariow.com
Address: Coastal Highway, Lewes, DE 19958, United States
