Terms of Service

Last Updated: July 1, 2026

Please read these Terms of Service (“Terms”) carefully before using the https://zonafacta.com website (the “Website”) operated by ZF Collective, LLC, also doing business as ZONA FACTA, ZONA FACTA Risk Mitigation, and ZONA FACTA Collective, a Limited Liability Company formed in the United States (“us,” “we,” “our”). Your access to and use of this Website is conditional upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Website.

By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you do not have our permission to access or use the Website.

Prohibited Uses

You agree to use this Website in accordance with all applicable laws, rules, and regulations at all times. The following is a non-exhaustive list of prohibited uses. You agree that you will not:

Impersonate or attempt to impersonate ZF Collective, LLC, ZONA FACTA, or any of its employees, representatives, subsidiaries, or divisions;
Misrepresent your identity or affiliation with any person or entity;
Send or attempt to send any advertising or promotional material, including spam, junk mail, chain mail, or similar unsolicited communications;
Engage in any conduct that restricts or inhibits any person's use or enjoyment of the Website, or that may, as determined in our sole discretion, harm us, our users, or expose any party to liability;
Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party's use;
Use any robot, spider, scraper, or other automated technology to access, monitor, or copy any material on this Website;
Use any manual process to monitor or copy any material on this Website without our prior written consent;
Use any device, software, or routine that interferes with the proper working of the Website, including viruses, trojan horses, worms, or logic bombs;
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Website, the servers on which it is stored, or any connected server, computer, or database;
Attempt to attack the Website through a denial-of-service or distributed denial-of-service attack;
Otherwise interfere with the proper functioning of the Website;
Use the Website in any way that violates applicable federal, state, or local laws, rules, or regulations.

No Warranty on Website

THIS WEBSITE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. ZF COLLECTIVE, LLC AND ZONA FACTA EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, OR FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTY SHALL ARISE BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

Availability, Errors, and Inaccuracies

We assume no liability for the availability, errors, or inaccuracies of the information, services, or content provided on this Website. We may experience delays in updating information on this Website and in our advertising on other platforms. Content found on this Website may contain errors, inaccuracies, or may not be complete or current. We expressly reserve the right to correct any errors at any time. The inclusion or description of any service on this Website does not constitute a guarantee of availability or an offer of contract.

Damages and Limitation of Liability

IN NO EVENT SHALL ZF COLLECTIVE, LLC OR ZONA FACTA BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF, RELATING TO, OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO, DISPLAY OF, OR USE OF THIS WEBSITE — OR WITH ANY DELAY OR INABILITY TO ACCESS OR USE THIS WEBSITE — INCLUDING BUT NOT LIMITED TO YOUR RELIANCE ON INFORMATION APPEARING ON THIS WEBSITE; COMPUTER VIRUSES; LINKED THIRD-PARTY WEBSITES; OR SERVICES OBTAINED THROUGH THIS WEBSITE. THIS LIMITATION APPLIES WHETHER BASED ON NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ZF COLLECTIVE, LLC OR ZONA FACTA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE AGGREGATE LIABILITY OF ZF COLLECTIVE, LLC ARISING OUT OF OR RELATING TO THIS WEBSITE SHALL BE LIMITED TO THE AMOUNT OF FEES ACTUALLY PAID BY YOU TO ZF COLLECTIVE, LLC.

THESE LIMITATIONS REFLECT THE ALLOCATION OF RISK BETWEEN YOU AND US AND SHALL SURVIVE ANY LIMITED REMEDY FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

Links to Third-Party Websites

This Website may contain links to third-party websites not operated by us. These links are provided for your reference only. We do not control third-party websites and are not responsible for their content, privacy practices, or other policies. It is your responsibility to take appropriate precautions when accessing any external links. Our inclusion of any hyperlink does not imply endorsement of the linked site or any association with its operators.

Intellectual Property

All contents of this Website are © 2025–2026 ZF Collective, LLC. All rights reserved. Unless otherwise specified, the Website and all content — including logos, designs, text, graphics, images, data, software, and their arrangement — are the proprietary property of ZF Collective, LLC and are protected by applicable intellectual property laws in the United States and internationally.

If you believe any content on this Website infringes your intellectual property rights, please send a written notice titled “Infringement of Intellectual Property Rights – DMCA” to us that includes:

Incomplete or improperly submitted claims will not be processed. You may be held accountable for damages, including costs and attorney’s fees, for any misrepresentation or bad faith claims.

Submit claims to:

ZF Collective, LLC DBA ZONA FACTA
103 Commercial Circle, Unit 104, Conroe, TX 77304
+1-918-392-4412
zonafacta.com/contact-us

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of laws provisions. These Terms shall not be governed by the United Nations Convention on Contracts for the Sale of International Goods, the Uniform Commercial Code, or Incoterms.

Any controversy or claim arising out of or relating to these Terms, including their interpretation or breach, shall be resolved in a court of competent jurisdiction in Montgomery County, Texas.

YOU AND ZF COLLECTIVE, LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full effect. These Terms constitute the entire agreement between you and us regarding this Website and supersede any prior agreements.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Website. Your continued use of the Website following any updates constitutes your acceptance of the revised Terms.

Questions

If you have any questions about these Terms of Service, please contact us at zonafacta.com/contact-us or by calling +1-918-392-4412.