This document governs your use of the website, banking services, chargeback processing, scam recovery, and refund services offered by Zura Corporation. By accessing our website or engaging our services, you agree to be bound by these terms.

Zura is a fully licensed financial institution and recovery service provider. We cooperate with financial institutions, law enforcement, and security agencies to help individuals and businesses recover funds lost to fraud, scams, and unauthorized transactions.

1. Services Overview

Zura offers the following core services:

Scam Recovery & Chargeback Processing – Investigation, documentation, and recovery of funds from fraudulent transactions, unauthorized charges, and scams. We work with banks, card networks, and law enforcement to maximize recovery.

Banking Services – Account management, fund holding, and transaction processing for clients undergoing recovery or refund proceedings.

Refund Facilitation – Assistance in processing legitimate refund claims with merchants, payment processors, and financial institutions.

All services are provided in accordance with applicable financial regulations, anti-money laundering (AML) laws, and know-your-customer (KYC) requirements.

2. Eligibility & Account Registration

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction.
• Provide accurate, complete, and current information during registration.
• Submit to identity verification (KYC) as required by law and our financial partners.
• Not be located in a sanctioned jurisdiction or appear on any government restricted-party list.

We reserve the right to refuse service, close accounts, or reject claims at our discretion, subject to applicable law.

3. Fees & Payment

This section explains how Zura charges for its services. You acknowledge that you have read and agreed to these fees before engaging our services.

3.1 Success Fee (Standard Model – 99% of Cases)

In the vast majority of engagements, Zura charges a success fee that is contingent on recovery. This means:

• No recovery = No fee. If we are unable to recover any funds on your behalf, you owe us nothing for the recovery effort.
• Fee is due only at the end – after funds have been successfully recovered and credited to your account or to a holding account managed by Zura.
• The success fee is a percentage of the total recovered amount. The exact percentage will be disclosed in your Service Agreement before work begins and typically ranges between 15% and 35%, depending on the complexity, age of the transaction, jurisdiction, and amount involved.
• All success fees are transparent, agreed upon in writing upfront, and never increased retroactively.

3.2 Upfront Fee (Rare Cases – 1% of Engagements)

In exceptional circumstances (e.g., complex multi-jurisdictional investigations, specialized forensic work required before recovery can be initiated, or when engaging third-party experts), Zura may charge a non-refundable upfront administrative or retainer fee.

• Such a fee is never charged without your explicit written agreement.
• The upfront fee will be clearly stated in your Service Agreement and will not exceed [insert cap, e.g., $500 or 5% of the claim amount, whichever is lower].
• If an upfront fee is charged and recovery is successful, the success fee will be calculated on the net recovered amount (after deducting the upfront fee). If recovery fails, the upfront fee covers initial work performed and is not refundable.

3.3 Fee Payment & Deduction

By default, Zura deducts its fee directly from recovered funds before disbursing the balance to you. This ensures you never have to pay out of pocket after a successful recovery.

If you choose to pay the fee separately (e.g., via wire transfer or credit card), that option may be available upon request and subject to additional processing terms.

All fees are quoted excluding applicable taxes, wire transfer charges, currency conversion costs, or intermediary bank fees. You are responsible for any such charges unless otherwise agreed.

3.4 No Hidden Fees

Zura does not charge any hidden fees, monthly maintenance fees, or processing fees unrelated to your service agreement. All charges will be fully disclosed in your Service Agreement before any work begins.

3.5 Fee Disputes

If you believe a fee has been incorrectly applied, you may dispute it within 30 days of payment by contacting our billing department at billing@azaracorp.com. We will investigate and respond within 15 business days.

4. Client Responsibilities

You agree to:

• Provide truthful, complete, and timely information regarding your claim or account.
• Cooperate with our investigation, including providing documents, communications, and access to relevant accounts as needed.
• Inform us immediately of any changes in your case or contact information.
• Not attempt to recover funds independently while Zura is actively working on your case, unless expressly authorized.
• Comply with all applicable laws and regulations.

Failure to fulfill these responsibilities may result in suspension or termination of services, and Zura may retain any recovered funds as compensation for services rendered up to that point.

5. Limitation of Liability

Zura makes no guarantee of recovery. Every case is evaluated on its merits, and outcomes depend on factors beyond our control (e.g., the cooperation of financial institutions, availability of funds, legal limitations). To the maximum extent permitted by law:

• Zura’s total liability for any claim arising out of these terms or our services is limited to the total fees you have paid us in the 12 months preceding the event giving rise to the claim.
• We are not liable for indirect, incidental, punitive, or consequential damages, including lost profits or opportunities.
• We are not responsible for delays caused by third parties (banks, law enforcement, payment networks).

6. Confidentiality

All information you share with Zura is treated as confidential and will not be disclosed except as necessary to pursue your recovery, comply with legal obligations, or as described in our Privacy Policy.

7. Termination

Either party may terminate this agreement at any time by written notice. Upon termination:

• Zura will cease work on your case.
• If termination occurs before recovery is complete and Zura has performed substantial work, we may charge a reasonable fee for work performed up to the termination date (not to exceed [e.g., 10% of claim amount or $500]) and/or retain any partial recovery proceeds as compensation.
• You will remain responsible for any fees accrued prior to termination.

8. Dispute Resolution

Any disputes arising from these Terms or your use of Zura’s services shall be resolved through the following steps:

• Negotiation – First, contact our support team to resolve informally.
• Mediation – If unresolved, disputes will be submitted to binding mediation with a mutually agreed mediator.
• Arbitration – If mediation fails, the dispute will be resolved by binding arbitration in accordance with the rules of [insert arbitration association], seated in [insert jurisdiction]. Class actions and jury trials are waived.
• Governing Law – These Terms are governed by the laws of [insert state/country], without regard to conflict of law principles.

9. Changes to This Policy

We may update these Terms from time to time. Material changes will be communicated by email or website notice. Your continued use after the effective date constitutes acceptance of the updated Terms.

10. Contact Information

Zura Corporation
Email: info@zuracorp.com