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. Any modification will take effect immediately after its publication on this page, with the "Last updated" date updated. It is your responsibility to regularly consult these Terms. Your continued use of the Platform after the publication of modifications constitutes your acceptance of the revised Terms.

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.

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.

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.

In addition to your Products, the Platform may allow you to publish other types of content, such as comments, reviews, or messages ("User Content").

7.1. Courtesy and Respect : You commit to interacting with other users in a respectful manner. Harassment, hate speech, discrimination, and threats are strictly prohibited.

7.2. Prohibited Content : It is forbidden to publish private information about others (doxing), spam, malicious links, or any content that violates our rules.

7.3. 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.

7.4. 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.

8.1. Respect for Creators' Intellectual Property.

• Content Ownership : Creators retain full and exclusive copyright ownership of the original content they publish on Chariow.

• 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.

8.2. Prohibition of False Advertising : Any form of false advertising or deceptive commercial practice is strictly prohibited. This includes, without limitation:

• Making false promises of results or earnings.
• Using fake testimonials or fabricated consumer reviews.
• Using promotional evidence or elements belonging to others without holding the rights.
• Presenting manipulated images or videos.
• Creating a false sense of urgency or scarcity.
• Omitting essential information about the Product.

8.3. Measures in Case of Violation : Chariow reserves the right, at its sole discretion, to apply one or more of the following measures:

• Investigation and Formal Warning.
• Removal of the Product or promotional content.
• Temporary suspension or permanent closure of the Seller's account.
• Withholding of funds generated from sales of violating Products.
• Suspension of access to all products and services provided by Axa Zara LLC.
Permanent deletion of all content associated with the account.
• Cooperation with law enforcement authorities.

9.1. 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.

9.2. Payments : Creator earnings (after deduction of applicable fees) are credited to their "Wallet Axa Zara" 72 hours after the transaction.

9.3. 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.

Product prices may be displayed in different currencies. Exchange rates are provided by third-party services and may include conversion or interchange fees.

Each Seller is responsible for their own refund policy. In case of payment rejection (chargeback), dispute fees may be deducted from your earnings.

To provide our services, we may share information with third-party partners (payment processors, etc.), in accordance with our Privacy Policy.

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.

If you believe your work has been copied, please contact us following the DMCA procedure at [email protected].

Chariow and Axa Zara LLC retain all property rights over the Platform.

16.1. By You : You may terminate your account at any time.

16.2. By Us : We may suspend or terminate your account at any time, without notice, if you violate these Terms.

You agree to indemnify Chariow and Axa Zara LLC against any claims resulting from your Products or your violation of these Terms.

THE PLATFORM IS PROVIDED "AS IS", WITHOUT ANY WARRANTY.

OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF THE FOLLOWING TWO AMOUNTS: (A) THE TOTAL FEES WE HAVE RECEIVED FROM YOUR SALES OVER THE PAST THREE MONTHS, OR (B) ONE HUNDRED US DOLLARS ($100).

You release Chariow from any claims resulting from disputes between you and other users.

As a US company, we are required to comply with economic sanctions laws administered by OFAC. You declare and warrant that you are not located in a country under US embargo (e.g., Cuba, Iran, North Korea, Syria) and that you are not on any US government sanctions list. It is prohibited to use the Platform for transactions involving sanctioned persons or countries. We reserve the right to suspend or immediately close any account suspected of violating these regulations.

Chariow will not be liable for any failure to perform its obligations due to events beyond its reasonable control (natural disasters, acts of war, network failures, etc.).

PLEASE READ THIS SECTION CAREFULLY.

23.1. Informal Negotiation : In case of dispute, contact us first.

23.2. Mandatory Arbitration : Any unresolved dispute will be resolved by individual and binding arbitration in accordance with the American Arbitration Association (AAA) rules.

23.3. Class Action Waiver : ALL PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY.

23.4. Opt-Out Right : You may opt out of arbitration by sending us written notice within 30 days of your acceptance of these Terms.

These Terms are governed by the laws of the State of Delaware, United States.

• Entire Agreement : These Terms constitute the entire agreement between you and Chariow.

• Severability : If any provision is held invalid, the others will remain in force.

For any questions, please contact us:

• Email : support[at]chariow.com

• Address : Coastal Highway, Lewes, DE 19958, United States.