Terms of Service

Effective Date: March 13, 2026 — Last Updated: March 27, 2026

NavamaCo, LLC, a California limited liability company, doing business as “Push Zero” (“Company,” “we,” “us,” or “our”)

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “Subscriber”) and NavamaCo, LLC d/b/a Push Zero. By creating an account, accessing, or using the Push Zero service (the “Service”), you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any supplemental terms referenced herein.

If you are entering into these Terms on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms, and “you” and “your” refer to that entity.

IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MUST NOT ACCESS OR USE THE SERVICE.

2. Definitions

• “Agent” means the AI-driven phone answering service configured to answer calls on behalf of your business.
• “Caller” means any individual who places a phone call, sends an SMS message, or initiates a web chat session that is received or handled by the Service.
• “Knowledge Base” means the business-specific information, FAQs, services, hours, and other content you supply for use by your Agent.
• “Subscriber Data” means all data you provide or that is generated through your use of the Service, including business information, call recordings, transcripts, lead information, and Knowledge Base content.
• “Third-Party Platforms” means booking, ordering, payment, and other platforms you connect to the Service (e.g., Square, Mindbody, Vagaro).

3. Description of the Service

Push Zero provides an AI-driven phone answering, SMS, and web chat service for businesses. Our Agents answer calls, provide business information, capture leads, book appointments, and process orders on your behalf.

AI Disclosure: Pursuant to California Business & Professions Code Section 17941 (SB 1001), we disclose that the Push Zero Agent is an artificial intelligence system, not a human being. The Agent may identify itself by a persona name (e.g., “Megan”), but the Agent will not affirmatively misrepresent that it is a human when directly asked. You acknowledge and agree that Callers interacting with the Service are interacting with an AI system.

The Service is provided “as available” and may be updated, modified, or discontinued in accordance with Section 17 below.

4. Account Registration and Security

• You must provide accurate, current, and complete business information during registration and maintain the accuracy of such information.
• You are solely responsible for maintaining the confidentiality of your account credentials, including any PIN, password, or authentication token.
• You are responsible for all activity that occurs under your account, whether or not authorized by you.
• You must notify us immediately at security@pushzero.ai upon becoming aware of any unauthorized access to or use of your account.
• We reserve the right to suspend or terminate accounts that contain materially inaccurate information.

5. Call Recording and Consent

Current Status: Call recording is not currently enabled in the Push Zero service. Calls are processed by our AI Agent in real time and transcripts are generated from the conversation, but audio recordings of calls are not captured or stored.

If Recording Is Enabled in the Future: Should call recording be activated, we will update these Terms and provide advance notice to all Subscribers. California Penal Code Section 632 requires the consent of all parties to a confidential communication before it may be recorded. If and when recording is enabled, by continuing to use the Service you would authorize Push Zero to record telephone calls handled by your Agent. You would be responsible for ensuring that all Callers are notified that their call may be recorded, using the configurable disclosure options provided by the Service.

You represent and warrant that you will comply with all applicable federal, state, and local laws regarding call recording, including but not limited to California Penal Code Section 632 and the federal Telephone Consumer Protection Act (“TCPA”), if and when call recording features become available.

6. Billing, Payment, and Auto-Renewal

Push Zero operates on a prepaid minute model. Billing terms are as follows:

• Free Minutes: New accounts receive 60 free minutes at no cost with no credit card required.
• Minute Packs: Additional minutes are purchased in prepaid packs. Pricing is disclosed at the time of purchase.
• Call Billing: Calls are rounded to the nearest minute. Spam calls, silent calls, and calls classified as non-billable are not charged.
• Third-Party Platform Fees: Certain connected Third-Party Platforms impose per-transaction API fees (e.g., per-appointment or per-order charges). These fees are passed through to you as separate, transparent line items on your usage statement and are not set by Push Zero.

Auto-Recharge (Automatic Renewal): Pursuant to California Business & Professions Code Sections 17600–17606 (California Automatic Renewal Law), we provide the following disclosures:

• If you enable auto-recharge, your stored payment method will be automatically charged the selected pack amount when your minute balance falls below the configured threshold.
• Auto-recharge will continue at the selected frequency and amount until you cancel.
• You may cancel auto-recharge at any time through your account settings or by contacting us at billing@pushzero.ai. Cancellation takes effect before the next scheduled charge.
• If the auto-recharge amount, threshold, or overage rate changes, we will require your affirmative re-consent before applying the new terms.
• Before completing your initial auto-recharge enrollment, you will be presented with a clear and conspicuous summary of the auto-recharge terms and must provide your affirmative consent.

Overage: If your minute balance is exhausted, overage charges may apply at the rate specified in your active minute pack. Overage is billed in $10 increments and is settled upon recharge, grace period expiration, or account suspension.

Refund Policy: Unused prepaid minutes are non-refundable except as required by applicable law. Charges for calls classified as non-billable will be credited to your account.

7. Acceptable Use Policy

You agree not to use the Service, or permit the Service to be used, for any purpose that:

• Violates any applicable local, state, national, or international law or regulation
• Engages in or facilitates spam, unsolicited communications, harassment, threats, or fraud
• Infringes upon the intellectual property rights of any third party
• Collects, stores, or processes Caller information without appropriate legal basis or in violation of applicable privacy laws
• Attempts to reverse-engineer, decompile, disassemble, or otherwise derive the source code of the Service
• Introduces viruses, malware, or other harmful code into the Service
• Interferes with or disrupts the integrity or performance of the Service
• Uses the Service to make or facilitate robocalls, telemarketing, or other outbound unsolicited communications in violation of the TCPA or any state equivalent
• Populates the Knowledge Base with false, misleading, or deceptive information intended to deceive Callers

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account without prior notice.

8. Intellectual Property

Company IP: The Service, including all software, algorithms, models, interfaces, branding, trade names, trademarks, and documentation, is the exclusive property of NavamaCo, LLC or its licensors. Nothing in these Terms grants you any right, title, or interest in the Service except the limited right to use it in accordance with these Terms.

Your Data: As between you and Push Zero, you retain all rights to your Subscriber Data. You grant Push Zero a non-exclusive, worldwide, royalty-free license to use, process, store, and transmit your Subscriber Data solely for the purpose of providing and improving the Service.

Aggregated Data: We may create aggregated, de-identified, or anonymized data derived from your use of the Service (“Aggregated Data”). Aggregated Data is not Subscriber Data and is owned by Push Zero. We may use Aggregated Data for analytics, benchmarking, product improvement, and other lawful purposes.

Feedback: If you provide suggestions, ideas, or feedback about the Service, you grant Push Zero a perpetual, irrevocable, royalty-free license to use such feedback for any purpose without obligation to you.

9. Third-Party Platform Integrations

The Service may integrate with Third-Party Platforms for booking, ordering, and other functionality. When you connect a Third-Party Platform:

• You authorize Push Zero to access and transmit data to and from the Third-Party Platform on your behalf.
• Your use of Third-Party Platforms is subject to those platforms' own terms of service and privacy policies, which you are independently responsible for reviewing and complying with.
• Push Zero is not responsible for the availability, accuracy, or performance of Third-Party Platforms or for any loss arising from their use.
• Pass-through platform fees will be disclosed to you at the time of integration connection before you authorize the connection.

10. SMS and Electronic Communications

E-SIGN Consent: By using the Service, you consent to receive electronic communications from Push Zero, including account notifications, billing statements, service alerts, and legal notices. This consent satisfies any legal requirement that such communications be in writing under the Electronic Signatures in Global and National Commerce Act (15 U.S.C. §§ 7001–7006) and applicable state law.

SMS Terms: By opting in to SMS communications from Push Zero, you agree to receive recurring text messages related to your account and service activity, including transactional alerts, authentication codes, account notifications, and appointment or order confirmations. Message frequency varies. Message and data rates may apply.

• Opt-Out: You may opt out of SMS messages at any time by replying STOP to any message. Opting out of transactional messages related to active service delivery is not available while the Service is active. Upon opting out, you will receive a single confirmation message and no further SMS messages will be sent.
• Help: Reply HELP to any message for assistance, or contact us at support@pushzero.ai.
• Rejoining: If you have opted out and wish to receive SMS messages again, you may text START to the number from which you previously received messages, or re-enable SMS notifications in your account settings.
• Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages. Push Zero is not responsible for messages that are not delivered due to carrier filtering, device incompatibility, or other factors outside our control.
• Consent: Consent to receive SMS messages is not a condition of purchasing any goods or services from Push Zero.
• Privacy: Your phone number and SMS opt-in data will not be shared with third parties or affiliates for marketing or promotional purposes. For full details, see our Privacy Policy.

Subscriber SMS (Business-to-Customer): When customers initiate contact with a Subscriber's business by sending an SMS to the business phone number, Push Zero sends transactional replies on behalf of the Subscriber. These messages are sent only in response to customer-initiated conversations and include appointment confirmations, order updates, and other transactional information. Push Zero does not send unsolicited marketing messages to Callers and does not share Caller phone numbers or opt-in data with third parties for marketing purposes.

Marketing Communications (CAN-SPAM / CCPA): Marketing emails are sent only with your prior opt-in consent. You may unsubscribe at any time via the unsubscribe link in each email or by contacting support@pushzero.ai. We will process opt-out requests within ten (10) business days.

11. Confidentiality

Each party agrees to treat as confidential all non-public information received from the other party that is marked as confidential or that a reasonable person would understand to be confidential (“Confidential Information”). Neither party will use the other's Confidential Information except as necessary to perform its obligations under these Terms or disclose it to any third party except as expressly permitted herein, required by law, or authorized in writing. Confidential Information does not include information that is or becomes publicly available through no fault of the receiving party, was known to the receiving party prior to disclosure, or is independently developed without reference to the disclosing party's Confidential Information.

12. Representations and Warranties

You represent and warrant that:

• You have the legal authority to enter into these Terms and to bind the entity on whose behalf you are registering.
• The information you provide in your Knowledge Base is accurate, not misleading, and does not infringe any third-party rights.
• You will use the Service in compliance with all applicable laws, including but not limited to the TCPA, California Penal Code Section 632, and applicable privacy laws.
• You have obtained all necessary rights, consents, and authorizations to provide Subscriber Data to Push Zero and to grant the licenses set forth herein.

13. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT.

Without limiting the foregoing, Push Zero does not warrant that:

• The Service will be uninterrupted, error-free, or free from harmful components
• The Agent will provide responses that are accurate, complete, or appropriate in all circumstances
• The Service will meet your specific requirements or expectations
• Any calls will be successfully answered, routed, or handled

You are solely responsible for the accuracy of your Knowledge Base and for reviewing and approving Agent behavior. Push Zero is a tool provider and does not provide professional, legal, medical, or emergency services through the Agent.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NAVAMACO, LLC, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, LOSS OF DATA, LOSS OF GOODWILL, OR COST OF PROCUREMENT OF SUBSTITUTE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF PRESS ZERO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PRESS ZERO'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO PRESS ZERO IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED DOLLARS ($100).

The limitations in this section apply regardless of the form of action and even if the remedies provided herein fail of their essential purpose. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

15. Indemnification

You agree to indemnify, defend, and hold harmless NavamaCo, LLC, its members, managers, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to: (a) your use of the Service; (b) your breach of these Terms; (c) your violation of any law, regulation, or third-party right; (d) any content in your Knowledge Base; (e) your failure to obtain required consents for call recording; or (f) any dispute between you and a Caller or Third-Party Platform. This indemnification obligation will survive the termination of these Terms and your use of the Service.

16. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

Informal Resolution: Before initiating any formal dispute resolution proceeding, you agree to first contact us at legal@pushzero.ai and attempt to resolve the dispute informally for at least thirty (30) days.

Binding Arbitration: If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the Service, including the determination of the scope or applicability of this agreement to arbitrate, shall be resolved by binding arbitration administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures. The arbitration shall be conducted by a single arbitrator in San Francisco, California. Judgment on the arbitral award may be entered in any court of competent jurisdiction.

Class Action Waiver: YOU AND PRESS ZERO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

Exceptions: Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights. Claims brought in small claims court in the county of your residence or San Francisco County, California, are also excluded from this arbitration agreement, provided they remain in small claims court.

Opt-Out: You may opt out of this arbitration provision by sending written notice to legal@pushzero.ai within thirty (30) days of first accepting these Terms. If you opt out, disputes will be resolved in the state or federal courts located in San Francisco County, California.

17. Termination

By You: You may terminate your account at any time through your account settings or by contacting support@pushzero.ai.

By Push Zero: We may suspend or terminate your account immediately and without prior notice if: (a) you breach these Terms; (b) you fail to pay amounts owed; (c) your account has been inactive for more than twelve (12) consecutive months; or (d) we are required to do so by law. We may also terminate or discontinue the Service, or any part thereof, upon sixty (60) days' written notice to you.

Effect of Termination: Upon termination:

• Calls will immediately be routed to your designated fallback number, if one is configured.
• Your Subscriber Data will be retained for thirty (30) days after termination, during which you may request data export.
• After the 30-day retention period, all Subscriber Data will be permanently deleted, except as required by law or for legitimate legal or compliance purposes.
• Unused prepaid minutes are non-refundable.
• Outstanding overage charges and pass-through fees remain payable.
• Sections that by their nature should survive termination (including Sections 8, 11, 13, 14, 15, 16, and 20) will survive.

18. Modifications to Terms

We reserve the right to modify these Terms at any time. For material changes, we will provide at least thirty (30) days' prior notice via email to the address associated with your account and will post the updated Terms on our website with a revised “Last Updated” date.

Your continued use of the Service after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and terminate your account before the effective date of the changes.

Changes to billing terms (including auto-recharge amounts, thresholds, or overage rates) require your affirmative re-consent as described in Section 6.

19. Force Majeure

Neither party shall be liable for any delay or failure to perform its obligations under these Terms (other than payment obligations) to the extent such delay or failure results from circumstances beyond the party's reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, riots, government actions, power failures, internet or telecommunications failures, or failures of Third-Party Platforms or subprocessors.

20. General Provisions

Governing Law: These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. To the extent litigation is permitted under these Terms, the exclusive jurisdiction and venue shall be the state and federal courts located in San Francisco County, California.

Entire Agreement: These Terms, together with the Privacy Policy and any supplemental terms or policies referenced herein, constitute the entire agreement between you and NavamaCo, LLC with respect to the Service and supersede all prior or contemporaneous agreements, proposals, or representations, whether written or oral.

Severability: If any provision of these Terms is held to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect.

Waiver: The failure of Push Zero to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without the prior written consent of Push Zero. Push Zero may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of all or substantially all of its assets. Subject to the foregoing, these Terms shall bind and inure to the benefit of the parties and their successors and permitted assigns.

Notices: All notices required or permitted under these Terms shall be in writing and shall be deemed given when sent by email to the email address associated with your account (for notices to you) or to legal@pushzero.ai (for notices to Push Zero).

21. Contact Information