1. Acceptance of These Terms. By creating a coach account on Envoiy, you confirm that you have read, understood, and agree to these Terms & Conditions. If you do not agree, you may not use Envoiy.

2. What Envoiy Is. Envoiy is a software platform, operated by Future Trading - F.Z.E, that helps independent coaches manage lesson packages, track student session balances, and collect payment from students. Envoiy is a technology provider only — it does not hold, custody, or transfer your funds at any point. Payments from your students are processed directly through your own connected Ziina account, and funds are paid out to you by Ziina in accordance with Ziina's own terms.

3. Eligibility. You confirm that you hold any trade license, freelance permit, or other authorization required under UAE law to provide coaching services and accept payment for them, and that you will maintain this for as long as you use Envoiy. You are responsible for your own compliance — Envoiy is not responsible for verifying or maintaining your license status.

4. Your Ziina Account. You are required to connect your own Ziina merchant account to use Envoiy. You are solely responsible for that account, including its accuracy, its compliance with Ziina's own terms, and any issues with payouts, disputes, or chargebacks that occur within it. Envoiy is not a party to the relationship between you and Ziina.

5. Fees and Commission. You agree to pay Envoiy a commission on payments you collect through the platform, at the rate shown in your account settings at the time each payment is processed. Envoiy will invoice you for this commission on the billing frequency shown in your account settings (weekly or monthly). Commission rates and billing frequency may be changed by Envoiy with reasonable advance notice to you.

6. Data and Privacy. Envoiy collects and processes personal data about you and your students as described in our Privacy Policy. By using Envoiy, you consent to this processing as described there.

7. Your Responsibilities to Your Students. You are solely responsible for the coaching services you provide, for any agreements you make with your students, and for any tax obligations arising from payments you receive. Envoiy is not a party to your relationship with your students and does not guarantee that any student will pay for a package they have purchased.

8. Suspension and Termination. Envoiy may suspend or terminate your account if you breach these Terms, misuse the platform, or if your license/permit lapses. You may stop using Envoiy at any time. On termination, any commission already owed for payments already processed remains payable.

9. Limitation of Liability. Envoiy provides the platform on an "as is" basis. To the extent permitted by UAE law, Envoiy (Future Trading - F.Z.E) is not liable for losses arising from your use of Ziina, disputes with your students, or your own compliance failures. Envoiy's total liability to you under these Terms is limited to the commission fees you have paid to Envoiy in the three months prior to any claim.

10. Changes to These Terms. Envoiy may update these Terms from time to time. If we do, we will show you the updated Terms and require you to accept them again before you can continue using your account. Your acceptance is recorded with a timestamp and the version of the Terms you agreed to.

11. Governing Law. These Terms are governed by the laws of the United Arab Emirates. Envoiy (Future Trading - F.Z.E) is licensed in the Ajman Free Zone, and any dispute will be subject to the exclusive jurisdiction of the UAE courts.

12. Contact. Questions about these Terms can be sent to info@envoiy.com.