Terms and Conditions

1. Operator and legal agreement

VoxFati is operated by Zipzappa Ltd, trading as VoxFati, established in United Kingdom under company number 08540440, with registered address at 70 Bellona Drive, Peterborough, Cambridgeshire, PE2 8FU, United Kingdom.

These Terms form a legally binding agreement between you and Zipzappa Ltd in relation to the VoxFati platform services that we provide. When you purchase goods or services from an independent Marketplace Seller, Course Creator, Live Expert or another third-party provider, a separate contract may also arise between you and that provider. The identity of the relevant supplier should be shown on the applicable listing, profile, checkout, order confirmation or other transaction information.

If you do not agree to these Terms, you must not use VoxFati. By creating an account, purchasing a service, publishing content, applying for a commercial role or otherwise using a feature that requires acceptance, you confirm that you agree to these Terms and any applicable specialist terms.

2. Platform purpose and permitted subject areas

VoxFati supports lawful products, services, education, discussion and creative activity connected with self-discovery, personal growth, creativity, learning, practical skills, personal interests, lifestyle and meaningful change. Permitted subject areas may include, by way of example, art, design, crafts, photography, writing, music, languages, technology, software, bookkeeping and business skills, careers, entrepreneurship, ecommerce, productivity, organisation, cooking, beauty, makeup, personal styling, fashion, sewing, home improvement, décor, gardening, collecting, antiques, coins, hobbies, wellbeing, mindfulness, meditation, symbolism, tarot, astrology, numerology and other lawful educational, creative, practical or reflective topics.

These examples are illustrative rather than exhaustive. A product, service, course, post or advertisement may be accepted where it is lawful, accurately described, safe for the intended use, compatible with the relevant VoxFati feature and not prohibited by these Terms, our policies, applicable law or the requirements of a payment or service provider.

3. Scope and incorporated policies

These Terms apply to the VoxFati website, mobile applications where available, user accounts, Marketplace, Courses, Live Experts, Community, advertising, referrals, subscriptions, digital tools, downloadable or generated content, social publishing features and other services made available by VoxFati.

Additional policies and specialist terms form part of the agreement where relevant, including the Acceptable Use and Prohibited Content Policy, Marketplace Seller Terms, Course Creator Terms, Live Expert Provider Terms, Community Terms and Guidelines, Advertising Terms, Referral Program Terms, Commercial Eligibility rules, Delivery Policy, Cancellation and Refund Policy, Privacy Policy and any terms shown at checkout or during onboarding. If a specific rule conflicts with a general rule, the more specific rule applies to the feature or transaction concerned.

4. Eligibility and age requirements

You must be at least 18 years old to create a general VoxFati account unless a higher age is stated for a particular feature. Commercial activities, payouts, contractual commitments, identity verification, advertising, Live Expert services and other features may require you to be at least 18 years old or otherwise legally capable of entering the relevant agreement.

You must not use VoxFati if applicable law prohibits you from doing so, if you are subject to sanctions or restrictions that make the activity unlawful, or if a payment provider or other required service provider does not support the activity in your location. VoxFati may apply geographic, age, verification or category restrictions where reasonably necessary for legal, safety, fraud-prevention or payment-provider reasons.

5. Accounts, information and security

You must provide accurate and complete information when creating or maintaining an account and must keep material account information reasonably up to date. You must not create an account using a false identity, impersonate another person or business, misrepresent your qualifications or authority, or use an account that you are not authorised to control.

You are responsible for maintaining the confidentiality of your password and account credentials and for taking reasonable steps to prevent unauthorised access. You must notify VoxFati promptly if you believe your account has been compromised. We may require password resets, additional verification or temporary restrictions where reasonably necessary to protect the account or the platform.

6. Identity, business and professional verification

VoxFati may request identity, address, business, tax, bank, payment-account, qualification, insurance, licence, provenance or other verification where reasonably necessary to operate a commercial feature, process or release payouts, investigate fraud, verify a regulated claim, satisfy a payment-provider requirement or comply with law.

Verification does not amount to an endorsement of a provider or a guarantee of the quality or outcome of their goods or services. You remain responsible for checking whether a product, service or provider is suitable for your own needs.

7. Acceptable use

You must use VoxFati lawfully and in accordance with these Terms. Prohibited conduct includes fraud, harassment, threats, exploitation, impersonation, spam, fake engagement, intellectual-property infringement, unlawful sales, deceptive claims, malicious software, unauthorised access, payment abuse, sanctions evasion and attempts to bypass platform restrictions.

The Acceptable Use and Prohibited Content Policy provides detailed rules on prohibited products, services, content and conduct and applies across the platform.

8. Community

Community features may be used to discuss lawful interests, learning, projects, products, skills, work, business, hobbies, personal development, style, beauty, fashion, home and surroundings, creativity, wellbeing, spiritual practices and other topics consistent with the platform purpose. Users may share experiences, ask questions, publish progress, review products or services and connect with other users subject to the Community Terms.

You are responsible for the content you publish. You must have the rights and permissions needed to post it and must not publish another person's confidential, private or personal information without lawful authority. Public posts, reviews and profiles may be visible to search engines and people who are not registered users.

9. Ownership and licence for user content

You retain ownership of intellectual property rights that you lawfully hold in content you submit to VoxFati. You grant Zipzappa Ltd a non-exclusive, worldwide, royalty-free licence to host, store, copy, reproduce, display, transmit, resize, format, technically adapt, moderate and distribute that content to the extent reasonably necessary to operate, secure, improve and provide the relevant VoxFati features.

Where you intentionally publish content publicly, the licence also allows VoxFati to feature, excerpt or promote that public content through VoxFati-owned or VoxFati-managed channels, provided that we do not claim ownership of your underlying work. Where additional commercial usage rights are required, separate terms or permissions may apply.

10. Marketplace

The Marketplace may include physical products, digital products, personalised goods, handmade or designed items, craft supplies, art, prints, books, stationery, jewellery, accessories, fashion, beauty and grooming products, home and living products, décor, hobby items, gifts, collectibles, antiques, coins, banknotes, medals, minerals, crystals, educational materials, downloadable files and other lawful specialty or lifestyle products approved for sale through VoxFati.

Sellers must comply with the Marketplace Seller Terms and are responsible for the legality, authenticity, provenance where relevant, safety, labelling, description, pricing, availability, fulfilment, delivery, tax obligations and consumer-law duties connected with their products. Certain categories may require additional documentation, age restrictions, licences, safety information or payment-provider approval.

VoxFati may reject or remove listings that are unlawful, unsafe, misleading, counterfeit, stolen, improperly sourced, prohibited by a payment provider, inconsistent with product-safety requirements or presented in a way that creates an unacceptable legal, financial or reputational risk.

11. Courses and educational content

Courses may teach practical, creative, professional, business, technical, lifestyle, personal-development or reflective skills. Examples include software use, bookkeeping and accounting software, business administration, entrepreneurship, ecommerce, marketing, photography, design, writing, languages, crafts, sewing, makeup techniques, beauty skills, styling, cooking, organisation, home projects, productivity, hobbies, mindfulness, meditation, tarot, astrology and other lawful subjects.

Course Creators must provide genuine educational content and must describe the subject, level, format, duration, prerequisites, included materials and any claimed accreditation accurately. A Course must not falsely promise employment, earnings, professional status, certification, medical improvement or any other result that cannot properly be guaranteed.

Where a subject is regulated, the Course may provide general education only unless the Creator is lawfully authorised and VoxFati has approved the regulated offering. Completion of a Course does not itself confer a regulated qualification, licence or professional status unless that status is expressly and lawfully stated.

12. Live Experts

Live Experts may provide lawful one-to-one or group teaching, tutoring, mentoring, coaching, demonstrations, practical guidance, project feedback, creative guidance, business guidance, career guidance, personal styling, makeup instruction, software tutoring, skill development, organisation guidance, mindfulness, meditation, spiritual or symbolic interpretation and other services approved for the platform.

Experts must accurately describe their experience, qualifications, professional status, scope of service and any limitations. They must not represent general education, coaching, mentoring or personal experience as regulated medical, psychological, legal, financial or other professional advice when they are not lawfully authorised to provide that service.

VoxFati may require additional verification or may restrict a category where the service is regulated, high-risk, age-restricted or subject to payment-provider approval. A service may be lawful in one country but unavailable through VoxFati or a particular payment provider in another.

13. Advertising and promotion

Advertising may promote lawful products, services, businesses, courses, Live Experts, events, creative projects and other offerings permitted under the Advertising Terms. Advertisements may relate to the same broad range of lawful subjects supported across VoxFati, including learning, creativity, business, practical skills, lifestyle, beauty, fashion, home, hobbies, wellbeing and spiritual or reflective interests.

Advertisements must be truthful, clearly identifiable as commercial content where required, and must not conceal material conditions, use false urgency, make unsupported objective claims or promote an underlying product or service that is prohibited on VoxFati. Approval of an advertisement does not waive any rule that applies to the advertised product, service, seller or provider.

14. Regulated and professional services

Education, general information, mentoring, coaching and skill-based guidance may be provided where lawful. Providers must not claim a licence, registration, accreditation or professional title that they do not hold and must not perform regulated activities without the authority required by applicable law.

Unless expressly approved following appropriate verification, VoxFati must not be used to provide diagnosis or treatment of medical or mental-health conditions, psychotherapy, prescription or medication services, regulated legal representation, personalised investment management, regulated financial advice or another professional service that requires authorisation, registration or licensing. VoxFati may apply stricter restrictions where required by a payment provider or other service provider.

15. Claims, testimonials and outcomes

Users and commercial providers must ensure that factual and objective claims are accurate and capable of reasonable substantiation. Testimonials, examples, demonstrations and past results must be presented fairly and must not be used to imply that the same result is certain or typical when that would be misleading.

Prohibited claims include guaranteed earnings, guaranteed employment, guaranteed business success, guaranteed medical or psychological outcomes, guaranteed relationship results, guaranteed supernatural outcomes and other promises that materially misrepresent uncertainty or depend on factors beyond the provider's control.

16. Spiritual, symbolic and reflective services

VoxFati may include tarot, astrology, numerology, Reiki, meditation, dream interpretation, symbolism, spiritual guidance and related reflective practices. Providers must present these services honestly and must not exploit fear, grief, illness, financial distress or other vulnerability.

Providers must not claim certainty about death, serious illness, criminal events or other grave outcomes; instruct a user to stop or avoid medical treatment; guarantee supernatural effects; or demand repeated payments to remove an alleged curse, threat, negative energy or similar condition.

17. Payments and payment providers

VoxFati may use Stripe, Google Play, Apple or other payment providers to process payments, subscriptions, refunds, seller or provider payouts, identity verification and fraud controls. Their own terms, eligibility rules and restricted-business policies may apply in addition to these Terms.

Where VoxFati uses Stripe Connect or another marketplace payment arrangement, commercial providers may be required to establish or maintain an eligible connected payment account and provide information requested by the payment provider. A product or service may be lawful but still unavailable through a particular payment method or in a particular country.

VoxFati may pause or reject a transaction, onboarding or payout where required by law, a payment provider, sanctions screening, fraud controls, a dispute, a chargeback or a reasonable compliance review.

18. Pricing, taxes and fees

Prices, subscription intervals, commissions, platform fees and other material charges will be shown before purchase or in the relevant commercial onboarding information where required. Commercial users are responsible for taxes, duties, licences and regulatory charges that apply to their activities unless VoxFati or a payment provider is legally required to collect or remit them.

Providers must not add undisclosed mandatory charges after checkout, misstate taxes, manipulate reference prices or create false discounts. Currency conversion and payment-provider charges may apply where disclosed by the relevant provider.

19. Subscriptions and recurring payments

Where a service renews automatically, the billing interval, price and cancellation method will be shown before purchase or otherwise provided as required by law. You are responsible for cancelling before the next renewal if you do not wish the subscription to continue.

Cancellation normally stops future renewals and does not automatically create a refund for a period already supplied, subject to mandatory consumer rights and the specific Cancellation and Refund Policy.

20. Consumer rights, cancellations and refunds

Nothing in these Terms excludes or limits rights that cannot lawfully be excluded. Depending on the transaction and your location, consumer law may provide rights relating to conformity, quality, description, cancellation, repair, replacement, repeat performance, price reduction or refund.

Distance-sale cancellation rights may differ for physical goods, personalised goods, services and digital content. Additional information is set out in the Cancellation and Refund Policy and the Delivery Policy.

21. Independent providers and allocation of responsibility

Unless a page or checkout expressly states that VoxFati is the supplier, Marketplace Sellers, Course Creators and Live Experts act as independent providers. They are responsible for the goods, courses or services they supply, including their descriptions, legal compliance, professional claims, delivery, performance, tax obligations and consumer-law duties.

VoxFati provides the platform, payment or discovery infrastructure described in these Terms. Hosting a listing, profile, course, review or advertisement does not amount to a general endorsement, certification or guarantee of the independent provider.

22. Orders and transaction acceptance

Submitting an order does not necessarily mean that it has been accepted. Orders may be rejected or cancelled where a product is unavailable, a price is clearly erroneous, payment fails, fraud is suspected, delivery is impossible, a legal restriction applies or the transaction would breach these Terms or a payment-provider rule.

Where a third-party provider is the seller or service provider, the provider is responsible for accepting and fulfilling the transaction subject to VoxFati's platform controls and dispute procedures.

23. Reviews, ratings and endorsements

Reviews must be based on genuine experience and must not be fabricated, purchased, coerced, retaliatory or submitted in exchange for undisclosed compensation. Providers must not create or arrange fake reviews or pressure users to remove legitimate criticism.

VoxFati may remove or restrict reviews that contain prohibited content, private information, irrelevant material, conflicts of interest, manipulation or content that does not reflect a genuine transaction or experience.

24. Intellectual property

VoxFati software, branding, site design, original text, databases, interfaces, graphics and other platform materials are owned by Zipzappa Ltd or its licensors and are protected by applicable intellectual-property law. You may not copy, reproduce, scrape, reverse engineer, republish, sell or commercially exploit protected platform materials except as permitted by law or with written permission.

You must have all rights, licences, releases and permissions required for any text, image, video, music, logo, design, course material, product image, file or other content that you upload, sell, advertise or publish. VoxFati may remove material where a credible infringement claim is received.

25. Third-party services and links

VoxFati may integrate with or link to payment providers, hosting companies, video platforms, fulfilment services, analytics tools, email providers, social networks, marketplaces and other third parties. Those services are governed by their own terms and privacy notices.

VoxFati is not responsible for changes to a third-party service, policy, API, pricing, availability or eligibility rule except to the extent liability cannot lawfully be excluded. A third-party link does not by itself imply endorsement.

26. Social publishing and external promotion

Where enabled, VoxFati may provide tools that help authorised users or administrators prepare, schedule or publish public content to external social networks or channels. Users remain responsible for ensuring that content is lawful, that they have the required rights and that publication complies with the destination platform's rules.

External platforms may reject, remove, limit, alter or restrict content or analytics, and VoxFati may change or discontinue an integration where an external provider changes its API, permissions or policies.

27. Moderation, reporting and enforcement

VoxFati may review content, listings, transactions, accounts and communications where reasonably necessary to enforce these Terms, respond to reports, prevent fraud, protect users, comply with law or satisfy payment-provider requirements. Depending on the circumstances, we may issue a warning, request changes or evidence, restrict visibility, remove content, reject a listing, pause advertising, restrict messaging, cancel a commercial feature, hold a payout where legally or contractually permitted, suspend an account or terminate access.

Where a reporting or complaints mechanism is provided, users may report content or decisions through that mechanism. We may request information reasonably necessary to assess the report and may preserve relevant records where required for legal, safety or fraud-prevention purposes.

28. Platform availability and changes

We aim to provide a reliable service, but continuous or error-free availability cannot be guaranteed. Maintenance, security incidents, technical faults, third-party outages, legal requirements, payment-provider changes or product development may affect availability.

We may add, remove, reorganise or change features where reasonably necessary. If a material change affects an ongoing paid service, we will provide any notice, cancellation right or other remedy required by law or the applicable contract.

29. Privacy and data protection

The Privacy Policy explains how VoxFati processes personal information. Independent Sellers, Course Creators or Live Experts may also act as separate controllers for information they receive in connection with their transactions or services and must comply with applicable data-protection law.

30. Information and guidance disclaimer

VoxFati provides access to educational, creative, practical, reflective and community content from multiple sources. Unless expressly stated otherwise, general platform content is provided for information, learning or personal reflection and is not a substitute for regulated medical, psychological, legal, financial or other professional advice.

You are responsible for your own decisions and for obtaining appropriate professional advice where a matter requires regulated expertise. Nothing on VoxFati should be interpreted as a guarantee of a personal, financial, business, health, relationship or spiritual outcome.

31. Limitation of liability

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, breach of rights that cannot legally be excluded, or any other liability that cannot lawfully be limited.

Subject to the preceding paragraph and to mandatory consumer rights, VoxFati is not responsible for losses caused by the independent acts or omissions of third-party providers where VoxFati is not legally responsible for them, losses caused by misuse of the platform, reliance on general information as regulated professional advice, failures of third-party services or events outside our reasonable control.

For business users, to the extent permitted by law, VoxFati excludes liability for indirect or consequential loss, loss of profit, revenue, business opportunity, goodwill, anticipated savings or data except where a separate written agreement expressly provides otherwise.

32. Commercial-user indemnity

To the extent permitted by law, a Seller, Course Creator, Live Expert, Advertiser or other commercial user must indemnify Zipzappa Ltd against third-party claims, penalties, chargebacks, losses, liabilities, costs and reasonable legal expenses arising from that user's unlawful products or services, intellectual-property infringement, false or misleading claims, unsafe goods, regulatory breaches, tax failures, misuse of personal data or material breach of the applicable specialist terms, except to the extent caused by VoxFati's own breach or negligence.

33. Suspension and termination

VoxFati may suspend or terminate access where reasonably necessary because of serious or repeated policy breaches, unlawful activity, fraud, chargeback abuse, sanctions risk, security abuse, threats to users, non-payment, payment-provider requirements or other material breach. Where appropriate and legally required, we may provide notice and an opportunity to remedy before termination.

Termination does not remove obligations that by their nature must continue, including outstanding payments, refunds, disputes, confidentiality, tax, accounting, intellectual-property, data-protection, indemnity and legal-record obligations.

34. Changes to these Terms

We may update these Terms to reflect changes in law, regulation, payment-provider requirements, platform features, safety standards or business operations. The current version will display a revised “Last updated” date.

Where a material change affects an ongoing paid relationship, VoxFati will provide any advance notice, cancellation right or other remedy required by applicable law or contract.

35. Assignment

VoxFati may transfer or assign its rights and obligations as part of a merger, reorganisation, financing, sale or transfer of the relevant business, provided that mandatory consumer rights are not unlawfully reduced. You may not transfer obligations under these Terms where doing so would materially prejudice VoxFati without our written consent.

36. Third-party rights

Except where these Terms or applicable law expressly state otherwise, a person who is not a party to the relevant agreement has no right to enforce it under the Contracts (Rights of Third Parties) Act 1999 or otherwise.

37. Severability and waiver

If any provision is found to be invalid, unlawful or unenforceable, that provision will be treated as modified to the minimum extent necessary or, if modification is not possible, removed, while the remaining provisions continue in effect. A delay or failure to enforce a right does not amount to a waiver of that right.

38. Entire agreement

These Terms, together with the applicable specialist terms, policies, checkout information and other terms expressly incorporated by reference, form the agreement governing the relevant VoxFati service. They replace prior statements about the same subject to the extent permitted by law.

39. Electronic communications and notices

Where permitted by law, contractual notices, service messages, billing notices, security alerts and policy updates may be provided by email, account notification, in-product notice or publication on VoxFati. You are responsible for maintaining a valid contact email on your account.

40. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. If you are a consumer resident elsewhere, you may also benefit from mandatory protections of your country of residence that cannot lawfully be waived.

The courts of England and Wales will have jurisdiction, subject to any mandatory rule that entitles a consumer to bring proceedings in another competent court.

41. Contact

Questions about these Terms, platform rules, billing or legal matters may be sent to info@voxfati.com.