Skip to content
ZIROVA

Terms of Use

Zirova

Terms of Use

Effective 8 August 2026

These Terms of Use (the “Terms”) form an agreement between you and Zirova Limited, a company registered in Masdar City, Abu Dhabi, United Arab Emirates (Licence No. MC 14798) (“Zirova”, “we”, “us”, “our”) and govern your use of the Zirova mobile application, the Zirova Wallet and related services (together, the “Service”). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

Three things to know before anything else. Zi is a rewards unit, not money — it has no cash value, cannot be exchanged for cash, cannot be transferred to another person, and is not a currency, security or crypto-asset. The Service is not a medical device and provides no medical advice or diagnosis. Your score can only ever unlock benefits — it is never used to deny, penalise or price against you.

1. Eligibility and your account

You must be at least 18 years old, or the age of majority where you live if that is higher, and legally able to enter into this agreement. Some features are available only to customers of a participating institution and may require an enrolment reference from that institution, and some features may require your identity to be verified — for example by scanning your Emirates ID.

You are responsible for keeping your account credentials secure and for activity that occurs under your account. Tell us promptly if you believe your account has been compromised. You must provide accurate information and keep it up to date.

2. What the Service does

The Service reads activity and wellbeing signals from your device and any wearable you pair, with your permission, and calculates a daily score and a reward tier on your device. Based on that score you accrue Zi, a rewards unit, in the Zirova Wallet. Where you connect the Service to a participating institution, you may convert Zi into that institution's own rewards programme and redeem through that programme.

Zirova provides verification. Rewards are provided, funded and priced by the institution, under its own terms.

3. Zi — what it is and what it is not

  • No cash value. Zi has no monetary value, is not redeemable for cash, and confers no ownership, security, or financial interest of any kind.

  • Not currency, not a crypto-asset. Zi is a closed-loop rewards unit. It is not money, not electronic money, not a virtual asset, not a token, and is not traded on any exchange or market.

  • Not transferable. Zi cannot be sold, gifted, assigned, or transferred to any other person or account, and cannot be inherited.

  • Burns on redemption. When you convert or redeem Zi, the Zi is permanently extinguished.

  • Conversion rates are set by institutions. Any rate at which Zi converts into an institution's rewards is set by that institution and may change. We do not set, guarantee, or control it.

  • Earning rules may change. We may adjust how Zi is earned, including daily limits, to keep the system fair, accurate and sustainable. Where a change materially affects earning, we will give reasonable notice.

  • No guarantee of availability. Participation by any institution, and the availability of any particular reward, may change or end. Zi accrued is not a debt owed to you by Zirova.

4. Fair and accurate use

The Service depends on measurements being genuine. You agree not to:

  • falsify, simulate, or artificially generate activity or health data, including by mechanical means or by writing false data into your device's health store;

  • use another person's device, wearable, or account, or allow another person to use yours, in order to accrue Zi;

  • attempt to reverse engineer, decompile, interfere with, or circumvent the scoring, verification or anti-fraud systems; or

  • use the Service for any unlawful purpose, or in breach of any institution's programme terms.

Where we reasonably believe Zi has been accrued in breach of this section, we may suspend the account, reverse the affected Zi, and where appropriate notify the relevant institution.

5. Positive-only use of your score

Your score and tier can be used to unlock rewards, benefits, and better terms. They are never used to deny a service, increase a price, or otherwise disadvantage you — and the Service is built so that institutions receive nothing that would allow them to do so. This is an architectural constraint of the system, not merely a policy.

6. Not medical advice

The Service is not a medical device. It does not diagnose, treat, cure, monitor or prevent any disease or condition, and it makes no claim about your health. Scores and tiers are a measure of activity and effort relative to your own recent history — nothing more. Do not use the Service as a substitute for professional medical advice. If you have any concern about your health, consult a qualified healthcare professional. Never disregard or delay professional medical advice because of anything shown in the App.

7. Device data and privacy

Access to your device's health and fitness data requires your explicit permission and can be revoked by you at any time. What we do and do not process is described in our Privacy Policy, which forms part of these Terms. In summary: your health and fitness readings are scored on your device and are not transmitted to us. If you enable optional cloud backup, an encrypted backup is stored in your own cloud storage account — never on our servers.

8. Institutions and third parties

Where you connect the Service to a participating institution, your relationship with that institution is governed by its own terms and privacy policy. We are not responsible for the goods, services, rewards, redemption rates or conduct of any institution or merchant, or for the availability of any reward catalogue.

9. Intellectual property

The Service, including its software, scoring methodology, designs, and trade marks, is owned by Zirova and its licensors and is protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the App for its intended purpose. You may not copy, modify, distribute, sell, lease, or create derivative works from any part of the Service.

If you send us feedback or suggestions, we may use them without restriction or obligation to you.

10. Availability, changes and termination

We aim to keep the Service available but do not guarantee uninterrupted operation. We may modify, suspend or discontinue features, and may change these Terms; where a change is material we will give reasonable notice in the App or by email.

You may stop using the Service and delete your account at any time. We may suspend or terminate your account where you breach these Terms, where required by law, or where an institution's programme ends. On termination, unredeemed Zi is extinguished and has no value — which follows from Zi having no cash value at any time.

11. Disclaimers

To the fullest extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Measurements originate from your own device and wearable; we do not warrant their accuracy, and scores are estimates derived from them.

12. Limitation of liability

To the fullest extent permitted by law, Zirova will not be liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, data, or goodwill, arising out of or in connection with the Service. Our total aggregate liability arising out of or relating to the Service will not exceed the amounts (if any) you have paid us for the Service in the twelve months preceding the claim. Nothing in these Terms excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

13. Indemnity

You agree to indemnify Zirova against claims, losses and reasonable costs arising from your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right.

14. Governing law and jurisdiction

These Terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Abu Dhabi, without regard to conflict of law principles. The courts of Abu Dhabi have exclusive jurisdiction over any dispute arising out of or in connection with these Terms, save that we may seek injunctive relief in any competent jurisdiction to protect our intellectual property.

15. General

These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service. If any provision is held invalid, the remainder continues in force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to an affiliate or in connection with a corporate transaction. Apple Inc. and Google LLC are not parties to these Terms and have no responsibility for the Service; where the App is obtained through their stores, their own terms also apply, and they are third-party beneficiaries entitled to enforce these Terms against you.

16. Contact

Questions about these Terms: info@zirova.ai. Zirova Limited, Masdar City, Abu Dhabi, United Arab Emirates.

Zirova — Terms of Use | Effective 8 August 2026