Zelle Terms of Service

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.