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This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“By using this Site you will be deemed to have irrevocably agreed to these Terms.”
“Your continued use of the Site will be deemed as irrevocable acceptance of any revisions.”
“these Terms shall be governed by, construed and enforced in accordance with the laws of the State of Delaware.”
“DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.”
“IN NO EVENT WILL THE ZELLE® NETWORK...BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES...”
“...ANY LIABILITY OF THE ZELLE® NETWORK...SHALL, IN NO EVENT, EXCEED $100.00.”
Using the Zelle site — even just browsing it — counts as agreeing to these Terms, and continuing to use it after any update counts as agreeing to the new version. Zelle makes no warranties about the service and will not pay more than $100.00 for any harm you suffer, no matter how large. Anything you submit to the site becomes Zelle's property automatically, with no payment to you.
This document establishes the terms governing access to and use of the Zelle site, creating binding obligations through use alone — without a separate signature — and treating continued use after revisions as irrevocable acceptance of updated terms, with notice delivered exclusively through site posting. Zelle disclaims all warranties express and implied and excludes liability for all categories of damages, capping any recovery against the Zelle Network at $100.00; users additionally release Zelle from all claims, known and unknown, arising out of disputes. Any user submission automatically becomes Zelle's property — including derivatives, modifications, and enhancements — with no compensation owed. The Terms are governed by Delaware law and are subordinate to the User Service Agreement in any conflict, with users granted only a limited, non-exclusive, non-transferable license for personal, non-commercial use.
For an individual user, this document means that access to the Zelle site carries immediate, irrevocable legal consequences: your use constitutes agreement, your continued use after any revision constitutes acceptance of changes, and anything you submit permanently transfers to Zelle at no compensation. Your ability to recover money for any harm is capped at $100.00, and you release Zelle from all dispute-related claims including those you may not yet be aware of. Because updates are noticed only through site postings, checking the Zelle site for posted changes to the Terms is the mechanism this document establishes for staying informed.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
“By using this Site you will be deemed to have irrevocably agreed to these Terms.”
“Your continued use of the Site will be deemed as irrevocable acceptance of any revisions.”
“these Terms shall be governed by, construed and enforced in accordance with the laws of the State of Delaware.”
“DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.”
“IN NO EVENT WILL THE ZELLE® NETWORK...BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES...”
“...ANY LIABILITY OF THE ZELLE® NETWORK...SHALL, IN NO EVENT, EXCEED $100.00.”
“You consent and agree to receive notices of updates of these Terms through postings of the updated Terms on our Site.”
“THE SITE AND ALL THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES AND OTHER CONTENT IN THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND...”
“Your Submission, its content, and any derivatives, modifications, or enhancements thereof, automatically become the property of , without any compensation of any kind owed to you.”
“you release us...from claims, demands, liabilities, costs, or expenses and damages (actual and consequential of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.”
“IF THERE IS ANY CONFLICT BETWEEN THESE TERMS AND THE USER SERVICE AGREEMENT, THE USER SERVICE AGREEMENT WILL CONTROL.”
“Users are granted a limited, non-exclusive, non-transferable license to access and use the site for personal, non-commercial purposes only, subject to the terms set forth in these Terms of Use.”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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