Terms and Conditions

v1.0 to v1.1. Added the Ephelia SwissTech SA wallet provision (new clause 7 Wallet, custody and payment infrastructure), updated the Definitions table to introduce Ephelia SwissTech SA and the Customer Wallet, updated the Payments clause (now clause 8) to reference the wallet provider, and updated the Data and Privacy clause to reflect the additional data flow to Ephelia SwissTech SA. All subsequent clauses have been renumbered accordingly.

These Terms and Conditions (the Terms) constitute a legally binding agreement between you and Odren Ltd governing your access to and use of the VETZY service. By using VETZY you confirm that you have read, understood and accepted these Terms in full. If you do not accept them, you must not use the Service.

In these Terms, the following capitalised expressions have the meanings set out below.

Odren, we, us, our

Odren Ltd, a private limited company incorporated in England and Wales under company number 15944303, with registered office at 7 Manchester Square, London, England, W1U 3PQ. Odren Ltd was previously known as Skillforge.vip Ltd.

VETZY, Service, Platform

The conversational AI assistant operated by Odren Ltd and made available through messaging channels such as WhatsApp and Telegram, including its websites at vetzy.io and any subdomains, sub-pages, APIs, integrations and ancillary services.

Odren Group

Odren Ltd and any direct or indirect subsidiary, parent, sister entity and any entity under common control with Odren Ltd, including any holding, operating, distribution, franchise or service company.

Ephelia Group

Ephelia Group and any of its direct or indirect subsidiaries, affiliates and group companies, with which Odren Ltd cooperates commercially and operationally and with which data may be shared as set out in these Terms.

Ephelia SwissTech, Wallet Provider

Ephelia SwissTech SA, a Swiss joint-stock company with registered office at Via Nassa 3A, 6900 Lugano, Switzerland, Swiss commercial register number CHE-179.848.999, qualified as a financial intermediary under article 2 paragraph 3 of the Swiss Anti-Money Laundering Act and affiliated with the self-regulatory organisation Polyreg. Ephelia SwissTech is part of the Ephelia Group and is the entity that opens, operates and maintains the Customer Wallets used to support payments within the Service.

Customer Wallet, FIAT Wallet, Crypto Wallet

The wallets opened by Ephelia SwissTech SA in your name and segregated from its own assets and from other customers\u2019 wallets, comprising a FIAT Wallet for the temporary receipt and custody of fiat e-money and a Crypto Wallet for the custody of digital assets, including stablecoins, as further described in clause 7.

SwissTech Terms

The terms of use of Ephelia SwissTech SA published at epheliagroup.com/terms/ephelia-swisstech-sa, as amended from time to time, which govern the opening, operation, custody, payment, exchange and closure of the Customer Wallets.

Pet Owner

A natural person using the Service to obtain information, recommendations, bookings and ancillary services in relation to one or more pets.

Professional User

A veterinarian, veterinary clinic, groomer, trainer, pet sitter, dog-sport coach, pet hotel, behaviourist or other pet professional that subscribes to a paid VETZY plan to be listed, contacted and booked through the Service.

Business User

A company in the pet food, pet pharma, supplement, insurance or related sector that contracts VETZY for visibility, advertising, attribution, market intelligence, distribution or campaign services.

User

Any Pet Owner, Professional User, Business User or other person accessing the Service in any capacity.

Master Franchisee, Regional Partner

A third party that has signed a separate franchise or regional distribution agreement with Odren Ltd to operate VETZY in a defined territory.

Content

All text, data, images, audio, voice notes, prompts, queries, answers, recommendations and any other material generated, transmitted or stored through the Service.

User Content

Content submitted by a User to the Service, including chat messages, voice notes, photographs and form submissions.

AI Output

Any text, recommendation, suggestion, list, summary, instruction, plan or other content generated by the artificial-intelligence components of the Service.

2.1. By initiating a conversation with VETZY on WhatsApp, Telegram, the website or any other channel, by submitting a form, by registering as a Professional User or Business User, or by accepting these Terms during onboarding, you accept these Terms.

2.2. You must be at least 18 years old, or the age of legal majority in your country of residence if higher, to use the Service. You must have full legal capacity to enter into a binding agreement.

2.3. If you use the Service on behalf of a business, clinic, partnership, association or other legal person, you warrant that you are duly authorised to bind that legal person and that the legal person accepts these Terms.

2.4. The Service is intended for use within the territories where VETZY is officially available. You must not use the Service from a sanctioned jurisdiction or in breach of applicable export, sanctions or anti-money-laundering laws.

3.1. What VETZY does. VETZY is a conversational concierge for pet owners. It retrieves and presents general information about veterinary clinics, veterinary specialists, pet food brands, pet products, pet professionals, pet-related services and pet lifestyle topics. It can assist Pet Owners in locating providers, comparing options, booking appointments and, where supported, completing payments within the chat.

3.2. What VETZY is not. VETZY is not a veterinarian, a medical device, a clinical decision-support system, an emergency service, a diagnostic tool, a prescribing system or a substitute for professional veterinary advice. VETZY does not diagnose, prognose, prescribe, dispense medicines or perform any clinical assessment of any animal. VETZY does not replace your relationship with your licensed veterinarian.

3.3. No clinical advice. Any output from VETZY relating to symptoms, conditions, treatments, medicines, dosages, diets, supplements or behaviour is provided as general information only and never as clinical, medical, nutritional, legal, financial or insurance advice. You must always consult a licensed veterinarian for any clinical question and call your local emergency veterinary service in case of urgency.

3.4. AI nature of the Service. The Service relies on artificial-intelligence components, including large language models and retrieval pipelines. AI Output may be incomplete, inaccurate, outdated, biased, unsuitable for your circumstances or, on rare occasions, fabricated. You must always exercise your own judgement and verify any material decision with a licensed professional before acting on it.

3.5. Free of charge for Pet Owners. Use of VETZY by Pet Owners is free of charge. Paid services are reserved to Professional Users and Business Users under the conditions of the relevant plan, and to Master Franchisees and Regional Partners under their separate agreements.

3.6. Languages. The Service is available in English, Italian, French and German, with progressive rollout in further languages. The reference version of these Terms is the English version. Any translation is provided for convenience only. In case of conflict, the English version prevails.

3.7. Channels. The Service is delivered primarily through WhatsApp Business Platform and Telegram Bot Platform, and through the VETZY website. Use of these channels is also governed by the respective platform terms, which apply in addition to these Terms. We are not responsible for any failure, downtime, suspension or change of policy of those platforms.

3.8. Evolution. We may add, modify, suspend or discontinue features, capabilities, integrations, geographical coverage and supported languages at any time, with or without notice, subject to clauses 18 and 19.

4.1. Pet Owners. No account or sign-up is required. You access the Service by sending a message from your WhatsApp or Telegram number, which acts as your identifier. By initiating the conversation you confirm that the number is yours and that you are entitled to use it.

4.2. Professional Users and Business Users. An onboarding process applies, requiring verifiable information about the entity, licence (where applicable), insurance, contact details and tax information. We may refuse or revoke onboarding at our discretion, in particular where licensing, insurance, brand fit, compliance or sanctions reasons require it.

4.3. Accuracy of information. You undertake to provide accurate, complete and current information at onboarding and to update it without delay when it changes. We may rely on the information provided without further verification.

4.4. Credentials. Where credentials are issued, you are responsible for keeping them confidential and for all activities conducted through them. You must notify us without delay of any actual or suspected unauthorised use.

5.1. You agree to use the Service lawfully, fairly and in line with its purpose. In particular, you must not:

• submit false, misleading, defamatory, harassing, threatening, obscene, discriminatory or unlawful Content;
• impersonate any person, animal owner, veterinarian, brand or organisation, or misrepresent your relationship to any pet;
• use the Service to extract, train, fine-tune, benchmark, mirror, scrape, harvest or reverse-engineer the AI Output, the underlying models, the knowledge base or any structured data;
• circumvent any rate limit, access control, paywall, geofence, identity check or anti-fraud measure;
• attempt to obtain a diagnosis, prescription, dispensation of veterinary medicines or any other regulated clinical act;
• use the Service for any purpose that breaches Regulation (EU) 2019/6 on veterinary medicinal products, the EU AI Act (Regulation (EU) 2024/1689), the Medical Devices Regulation, animal-welfare law, advertising law, food law, consumer law, anti-spam law, anti-money-laundering law, sanctions law or any other applicable law;
• introduce malware, prompt-injection payloads, jailbreak attempts, denial-of-service traffic or anti-competitive bots;
• resell, sub-licence, redistribute or commercially exploit any AI Output or any part of the Service without our prior written consent;
• use the Service for content that exploits, sexualises, harms or endangers animals or humans, including illegal breeding, illegal trafficking, dog-fighting, cruelty or any other prohibited activity.

5.2. We may, at our discretion, monitor, filter, rate-limit, suspend or terminate access to any User who breaches this clause, with or without prior notice and without prejudice to our other remedies.

Payments executed within the Service rely on the Customer Wallet opened in your name by Ephelia SwissTech SA under clause 7. By using the payment functionality of the Service you confirm that you have read and accepted the SwissTech Terms.

6.1. Bookings. Some Professional Users allow appointment bookings inside the chat. When you book, you enter into a separate contract with the relevant Professional User for the service or product concerned. Odren acts as an intermediary and is not a party to that contract unless expressly stated.

6.2. Payments. Where in-chat payment is available, payment may be processed by one or more of the following methods, subject to availability in your country: traditional card networks, e-money, cryptocurrencies and agentic-payment standards (including but not limited to the x402 standard for agent-to-agent settlement). Payment is processed by Odren or by a duly licensed payment service provider acting on our behalf, in accordance with the applicable payment-services framework.

6.3. Pricing transparency. All prices, fees, applicable taxes, fee components, refund conditions and cancellation rules are displayed before you confirm a transaction.

6.4. Refunds, complaints and consumer rights. Refunds and cancellations are governed by the policy of the Professional User or Business User providing the underlying service. Statutory consumer rights, where applicable, are not affected by these Terms.

6.5. Cryptocurrency and agentic payments. If you choose a cryptocurrency or agentic-payment method, you acknowledge that such methods may be subject to volatility, irreversibility of on-chain transactions, settlement delays and additional fees. You confirm that any wallet, address or agent used is yours and is funded with assets you are entitled to dispose of. We are not responsible for losses caused by erroneous addresses, network congestion, smart-contract failure, third-party agent malfunction or volatility.

6.6. Anti-money-laundering and screening. Transactions may be subject to identity verification, sanctions screening, anti-money-laundering and counter-terrorist-financing checks. We may delay, decline, block, reverse, freeze or report any transaction where we have reasonable grounds to do so under applicable law.

7.1. Customer Wallet opened by Ephelia SwissTech SA. In order to deliver a correct, secure and performant payment experience inside the chat, a Customer Wallet is opened in your name by Ephelia SwissTech SA, a Swiss joint-stock company with registered office at Via Nassa 3A, 6900 Lugano, Switzerland, Swiss commercial register number CHE-179.848.999, qualified as a financial intermediary under article 2 paragraph 3 of the Swiss Anti-Money Laundering Act and affiliated with the self-regulatory organisation Polyreg. Ephelia SwissTech SA is part of the Ephelia Group. The Customer Wallet comprises a FIAT Wallet for the temporary receipt and custody of fiat electronic money and a Crypto Wallet for the custody of digital assets, including stablecoins.

7.2. SwissTech Terms apply in addition. The opening, operation, funding, use, custody, exchange, suspension and closure of the Customer Wallet are governed by the terms of use of Ephelia SwissTech SA published at epheliagroup.com/terms/ephelia-swisstech-sa (the \u201cSwissTech Terms\u201d), as amended from time to time. The SwissTech Terms are incorporated into these Terms by reference. By using the payment functionality of the Service you acknowledge that you have read, understood and accepted the SwissTech Terms. In case of conflict between these Terms and the SwissTech Terms with respect to the operation of the Customer Wallet, the SwissTech Terms prevail.

7.3. Registration and KYC with Ephelia SwissTech SA. The opening of the Customer Wallet is conditional on the successful completion of the registration, identity verification and anti-money-laundering checks operated by Ephelia SwissTech SA, in accordance with the SwissTech Terms and applicable Swiss law. You undertake to provide to Ephelia SwissTech SA true, complete and up-to-date information and documents, including, where applicable, personal data, identity documents, tax data, residential address, beneficial owner information, source of funds, source of wealth, politically exposed person status and any other information requested. Failure to complete or maintain the required information may result in the refusal, suspension or closure of the Customer Wallet and may prevent you from using paid features of the Service.

7.4. Segregation and individual attribution. Each Customer Wallet is individually attributed to, and registered in, your name. Customer Wallets are strictly segregated from the own assets of Ephelia SwissTech SA and from the wallets of other customers, with technical, organisational and accounting measures aligned with the applicable Swiss regulations. No interest accrues on funds held in the FIAT Wallet.

7.5. Temporary fiat custody and automatic stablecoin conversion. Fiat funds credited to the FIAT Wallet are held on a temporary basis for the sole purpose of executing a Transaction. Pursuant to the SwissTech Terms, if no Transaction is executed and no withdrawal instruction is given within sixty (60) calendar days from the credit, any residual fiat balance is automatically converted into stablecoins on a best-execution basis and credited to your Crypto Wallet, at the exchange rate determined by Ephelia SwissTech SA at the time of conversion. Conversion costs are borne by you. You acknowledge that this automatic conversion is essential to the operational set-up and constitutes an irrevocable instruction given to Ephelia SwissTech SA upon your acceptance of the SwissTech Terms.

7.6. Cards, IBANs and partner infrastructure. For the operation of the Customer Wallet, Ephelia SwissTech SA may rely on regulated partners, including without limitation Currencycloud and Clear Junction for electronic-money issuance and payment rails, and Wallester AS for the issuance of prepaid or debit cards linked to your FIAT Wallet or Crypto Wallet, in which case Ephelia SwissTech SA acts as program manager. The contractual relationship in respect of those services is regulated by the SwissTech Terms and by the terms of the relevant partner.

7.7. Restrictions. You confirm that you are not a resident of, domiciled in or otherwise significantly connected to a country listed by Ephelia SwissTech SA as an Excluded Country, that you are not a sanctioned person or entity, that you do not appear on the consolidated lists maintained by the United Nations, the European Union, the United Kingdom, the Office of Foreign Assets Control of the United States Department of the Treasury or other competent authorities, and that you are not a shell bank. Any breach of this representation entitles Ephelia SwissTech SA and Odren to suspend or close the Customer Wallet and your access to the Service immediately.

7.8. No investment advice. Neither Ephelia SwissTech SA nor Odren provides investment advice, portfolio management, underwriting or tax, legal or regulatory advice in relation to fiat funds, stablecoins or digital assets held in the Customer Wallet. Any decision concerning the funding, conversion, exchange or withdrawal of assets is taken by you, at your own risk.

7.9. Data sharing with the Wallet Provider. In order to open and operate the Customer Wallet, Odren shares with Ephelia SwissTech SA the personal data and other information strictly necessary for the registration, identity verification, AML/KYC, transaction execution, accounting, audit, tax reporting and dispute-resolution purposes set out in the SwissTech Terms. Ephelia SwissTech SA acts as an independent data controller for those processing activities, in accordance with the Swiss Federal Act on Data Protection and applicable laws. The full data flow is described in the Privacy Notice and in the SwissTech Terms.

7.10. Liability. Subject to clause 17, Odren is not liable for any act, omission, default, suspension, downtime, freeze, loss, slippage, exchange-rate movement, stablecoin de-pegging, smart-contract failure, partner failure or other event affecting the Customer Wallet, save where such event is caused by the gross negligence or wilful misconduct of Odren itself. The contractual relationship in respect of the Customer Wallet is between you and Ephelia SwissTech SA.

8.1. Plans. Professional Users may subscribe to the Listing, Smart, Pro or Premium plan, or any other plan from time to time published on the Service. The current plan features and prices are those displayed on vetzy.io/grow-your-business and applicable order form at the time of subscription.

8.2. Term and renewal. Paid plans run for the term selected at subscription and renew automatically for successive periods of equal length unless cancelled with at least 30 days\u2019 notice before the end of the current term.

8.3. Billing. Subscription fees are billed in advance, in the currency displayed at checkout, by card, bank transfer or any other supported method. Failure to pay may result in suspension or termination of the plan.

8.4. Changes to plans. We may modify plan features, ranking logic, priority-placement rules, attribution criteria and pricing for future renewals, with at least 30 days\u2019 prior notice. Continued use after the effective date constitutes acceptance.

8.5. Priority placement. Where priority placement is included, it operates within the boundaries of clause 11 (Editorial neutrality and clinical scope) and is never permitted to override accuracy, safety or regulatory requirements.

9.1. Engagement. Business Users engage VETZY for activities such as contextual placement, lifecycle campaigns, market intelligence, attribution reporting and sampling logistics, under a separate order form or framework agreement that incorporates these Terms.

9.2. Reporting and attribution. Reporting is provided as described in the order form. Attribution methodologies, measurement windows and dispute procedures are documented in the relevant order form.

9.3. Compliance. Business Users must ensure that any product, claim, dosage information, marketing message or other content provided to VETZY is accurate, lawful and compliant with EU Regulation 2019/6 on veterinary medicinal products, the relevant pharmaceutical, food, feed, supplement, insurance and advertising regulations, local labelling rules and the policies of the messaging platforms used.

9.4. Sampling and trials. Sampling, trial and direct-to-owner logistics must respect local veterinary, pharmacy and consumer-protection rules. The Business User is fully responsible for the legal, regulatory and safety aspects of any sample or product distributed.

10.1. Our rights. Odren and its licensors own all right, title and interest in and to the Service, the AI components, the knowledge base, the brand, the trade marks, the design, the software, the algorithms, the structured data and any AI Output, save for the licences expressly granted in these Terms.

10.2. Your licence to use AI Output. Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, non-sublicensable, revocable licence to use AI Output you receive solely for your personal, non-commercial use as a Pet Owner, or for your authorised internal business use as a Professional User or Business User, in either case within the purpose and scope of the Service.

10.3. Your User Content. You retain ownership of your User Content. You grant Odren a worldwide, royalty-free, sub-licensable licence to host, process, transmit, copy, format, modify, translate, derive aggregated and anonymised data from, and disclose your User Content as needed to operate, secure, improve, evaluate, train, audit and promote the Service, and as further set out in clause 12 (Data and privacy).

10.4. Feedback. Any feedback, idea, suggestion or improvement you provide is non-confidential and may be used by Odren without restriction or compensation.

10.5. No reverse engineering of AI. You must not use AI Output or any part of the Service to develop, train, fine-tune, benchmark, distil, evaluate or otherwise improve any competing AI system or product, or to construct any derivative dataset for that purpose.

11.1. Information first. VETZY operates as an information, discovery, booking and commerce concierge. It does not diagnose, prognose, prescribe, dispense or perform any clinical act.

11.2. Vet review. Recommendations involving health, nutrition or safety are subject to review by licensed veterinarians appointed by Odren or its partners.

11.3. Editorial neutrality. Commercial placement, sponsored visibility and priority placement do not override clinical safety, accuracy, regulatory restrictions or the duty to escalate clinical questions to a licensed veterinarian. Where a query is clinical, the Service routes the User to a licensed veterinary partner rather than to a commercial result.

11.4. Veterinary medicines. The Service does not advertise prescription-only veterinary medicines to Pet Owners in breach of EU Regulation 2019/6. Any reference to prescription-only products is restricted to authorised channels and audiences.

This clause summarises how we process personal and non-personal data. The full Privacy Notice published at vetzy.io/privacy forms part of these Terms. In case of conflict, the Privacy Notice prevails for data-protection matters.

12.1. Data Controller. Odren Ltd, with the registered office set out in clause 1, is the data controller for the processing operations carried out through the Service, save where Odren acts as a processor under a separate written instruction. Ephelia SwissTech SA acts as an independent data controller for the processing related to the Customer Wallet, as described in clause 7.

12.2. Categories of data processed. We may process: identifiers (phone number, messaging identifier, IP address, device data), profile data (name, language, country, role), pet data (species, breed, age, weight, conditions reported by the User, microchip number where provided), chat content (text, voice notes, attachments), interaction metadata (timestamps, intents, prompts, responses, click trails, location signals where shared), transaction data (orders, bookings, payment confirmations, payment-method tokens), wallet and KYC data (identity documents, residential address, tax information, beneficial-owner data, source of funds, PEP status), Professional and Business data (licence numbers, VAT, billing details), and any other data you provide to the Service.

12.3. Lawful bases. We rely, depending on the activity, on: performance of a contract, legitimate interests (in particular operating, securing and improving the Service, preventing fraud, conducting analytics, building anonymised insights, and conducting marketing to existing customers), legal obligations (in particular tax, AML and consumer-protection law), and, where required, your consent (in particular for non-essential cookies, certain marketing communications and the processing of sensitive data where applicable).

12.4. Sharing within Odren Group and with Ephelia Group. You expressly acknowledge and accept that your personal data and User Content may be shared with, and processed by, any company within the Odren Group and any company within the Ephelia Group (including Ephelia SwissTech SA as Wallet Provider), in any country in which those groups operate, for the purposes set out in clause 12.5 and in clause 7. Each such transfer is carried out under appropriate safeguards, including, where required, Standard Contractual Clauses approved by the European Commission or the UK Information Commissioner\u2019s Office and intra-group data-sharing agreements aligned with the UK GDPR, the EU GDPR and the Swiss FADP.

12.5. Purposes of intra-group sharing. Intra-group sharing supports: the operation and administration of the Service, the opening, operation and reconciliation of the Customer Wallet, customer service, fraud and abuse prevention, regulatory compliance, group-wide reporting and analytics, cross-product personalisation, product improvement, training and evaluation of artificial-intelligence systems, marketing of products and services of group companies (subject to applicable opt-in or opt-out rights), payment processing, billing and accounting.

12.6. Anonymised and aggregated data, sale to third parties. You expressly acknowledge and accept that we may anonymise, de-identify, aggregate, summarise or otherwise transform your User Content and personal data so that the resulting data set no longer permits, by any reasonably available means, the identification of any individual User or pet. Such anonymised and aggregated data is not personal data under the UK GDPR, the EU GDPR or the Swiss FADP. We may sell, license, share, publish or otherwise commercialise such anonymised and aggregated data with and to third parties, including but not limited to pet food brands, pet pharma companies, insurers, retailers, researchers, regulators, public authorities, investors and any other party we choose, for purposes including market intelligence, benchmarking, analytics, product development, scientific research and commercial monetisation. The revenues of such commercialisation belong to Odren and are not shared with Users.

12.7. Re-identification prohibited. Any recipient of anonymised data is contractually prohibited from attempting to re-identify any individual User or pet, from combining the data with other data sets for that purpose, and from using the data in breach of applicable law.

12.8. Marketing of partner products. Subject to applicable consent or opt-out rights, we may use your personal data to send you communications about products and services of the Odren Group, the Ephelia Group and selected commercial partners, where these are relevant to you. You can withdraw at any time through the channels listed in the Privacy Notice.

12.9. AI training. We may use User Content, including pet data and chat content, to train, fine-tune, evaluate and improve the artificial-intelligence components of the Service and of other Odren Group and Ephelia Group products, including where appropriate after pseudonymisation or anonymisation. Where required by law, we will offer you a means to object or to opt out.

12.10. Voice notes and biometrics. Voice notes are processed to transcribe and answer your message. We do not perform voice-biometric identification on Pet Owners. If voice biometrics are ever introduced, separate consent will be requested.

12.11. Retention. We retain personal data for as long as is necessary for the purposes for which it was collected, including legal, tax and accounting obligations, fraud prevention, dispute resolution and group reporting. Retention periods are listed in the Privacy Notice. Anonymised data may be retained indefinitely.

12.12. Your rights. You have the right to access, rectify, erase, restrict, port and object to the processing of your personal data, and to lodge a complaint with the competent supervisory authority (in the UK, the Information Commissioner\u2019s Office; in the EU, the supervisory authority of your habitual residence; in Switzerland, the Federal Data Protection and Information Commissioner). To exercise your rights, contact us through the channels in the Privacy Notice. Rights regarding wallet-related processing are exercised vis-\u00e0-vis Ephelia SwissTech SA as set out in the SwissTech Terms.

12.13. International transfers. Personal data may be transferred outside the United Kingdom, the European Economic Area and Switzerland, including to countries that do not provide an equivalent level of protection. We implement appropriate safeguards, including Standard Contractual Clauses and supplementary measures where required.

13.1. The Service uses cookies and similar technologies for strictly necessary, functional, analytics and marketing purposes. The complete list, including categories, purposes and retention, is set out in the Cookie Policy published at vetzy.io/cookies. You can manage your preferences at any time through the cookie banner.

14.1. The Service relies on third-party platforms (WhatsApp, Telegram, payment service providers, cloud providers, AI providers, mapping providers, data providers and others). Their terms apply in addition to ours.

14.2. Third-party content displayed in the chat (brand information, product descriptions, opening hours, prices, availability) is sourced from public information, partner inputs and aggregators and is not guaranteed to be accurate, current or complete.

14.3. Links to third-party websites are provided for convenience. We do not control and do not endorse those websites.

15.1. The Service is provided \u201cas is\u201d and \u201cas available\u201d. To the maximum extent permitted by law, we exclude all warranties, conditions and representations, express or implied, including any warranty of merchantability, fitness for a particular purpose, accuracy, completeness, timeliness, security, non-infringement and absence of viruses.

15.2. We do not warrant that the Service will be uninterrupted, error-free, free of harmful components, accurate in every respect, available in every country, or compatible with every device or messaging platform.

15.3. Without limiting the foregoing, AI Output is not guaranteed to be accurate, complete, current or suitable for any particular purpose, and must never be relied on as clinical, medical, nutritional, legal, financial or insurance advice.

16.1. Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot be excluded or limited under applicable law (in the UK, this includes liability under the Consumer Rights Act 2015 and similar mandatory consumer protections).

16.2. Subject to clause 16.1, in no event shall Odren, its officers, directors, employees, agents, suppliers, group companies or licensors be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, loss of profit, loss of revenue, loss of business, loss of opportunity, loss of goodwill, loss of data, loss of savings, loss of anticipated savings or pure economic loss, whether arising in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable.

16.3. Subject to clauses 16.1 and 16.2, our aggregate liability to any Pet Owner is limited to GBP 100, and our aggregate liability to any Professional User or Business User is limited to the fees paid by that User to Odren in the 12 months preceding the event giving rise to the claim, or GBP 1,000 if higher.

16.4. We are not liable for any clinical decision, treatment, omission, outcome, harm or damage suffered by any animal or human as a result of the use of, or reliance on, the Service or any AI Output. You are solely responsible for any decision concerning your pet\u2019s health, welfare, safety and care, which must always be taken in consultation with a licensed veterinarian.

16.5. Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, pandemic, war, terrorism, sanctions, governmental action, internet failure, third-party platform failure, AI provider failure, cyber-attack, strike or supply-chain disruption.

17.1. We may suspend or terminate your access to the Service, with immediate effect and without prejudice to any other remedy, where you breach these Terms, where we have reason to suspect fraud, illegality or abuse, where required by law, regulator order or platform policy, or where continued access creates a material risk to other Users, partners or to us.

17.2. Pet Owners may stop using the Service at any time by ceasing to interact with VETZY and, where applicable, by sending a \u201cSTOP\u201d message on the relevant channel. Closure of the Customer Wallet is governed by the SwissTech Terms.

17.3. Professional Users and Business Users may terminate their plan in accordance with clause 8 or the relevant order form.

17.4. Clauses that by their nature are intended to survive termination (including 5, 7, 10, 11, 12, 15, 16, 17, 18, 19, 20, 21 and 22) survive termination.

18.1. We may amend these Terms from time to time to reflect changes in the Service, in the law or in our commercial arrangements. The amended Terms are published on vetzy.io/terms and become effective on the date stated. For material changes adversely affecting Users, we will give at least 30 days\u2019 prior notice.

18.2. Continued use of the Service after the effective date constitutes acceptance of the amended Terms. If you do not accept the amended Terms, you must stop using the Service before the effective date.

19.1. The relationship between Odren Ltd and Master Franchisees or Regional Partners is governed by a separate franchise or distribution agreement. These Terms do not create any franchise, agency, partnership, joint venture, employment or fiduciary relationship between Odren and any Pet Owner, Professional User or Business User.

19.2. In territories operated by a Master Franchisee or Regional Partner, certain commercial and operational interactions may be conducted by, or in the name of, that Master Franchisee or Regional Partner. In every case, Odren Ltd remains the data controller under clause 12 unless an alternative controllership is expressly agreed in writing and notified to you.

20.1. Notices to Odren. Formal notices must be sent in writing to: Odren Ltd, 7 Manchester Square, London, England, W1U 3PQ, with a courtesy copy to the contact email published at vetzy.io/contact.

20.2. Notices to Users. Notices may be served by email, by message in the chat, or by publication on vetzy.io/terms.

20.3. Support. Day-to-day support requests should be sent through the in-chat support flow or through the contact channels published at vetzy.io/contact. Notices and support requests in respect of the Customer Wallet must be addressed to Ephelia SwissTech SA in accordance with the SwissTech Terms.

21.1. Governing law. These Terms and any dispute or claim arising out of or in connection with them, including non-contractual disputes or claims, are governed by and construed in accordance with the laws of England and Wales. Disputes related to the Customer Wallet are governed by Swiss law and subject to the exclusive jurisdiction of the Court of Lugano, as set out in the SwissTech Terms, save where mandatory consumer-protection provisions apply.

21.2. Jurisdiction. Subject to clause 21.3, the courts of England and Wales have exclusive jurisdiction to settle any dispute or claim arising under these Terms (other than wallet disputes, which fall under the Court of Lugano).

21.3. Consumers. If you are a consumer resident in the European Union, in Switzerland, in the United Kingdom or in any other jurisdiction granting mandatory consumer protection, you may also bring proceedings in the courts of your country of habitual residence, and you benefit from the mandatory provisions of the consumer-protection law of that country, which are not affected by clause 21.1.

21.4. Online dispute resolution. Consumers resident in the European Union may submit disputes through the European Commission\u2019s Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

22.1. Entire agreement. These Terms, together with the Privacy Notice, the Cookie Policy, the SwissTech Terms and any applicable order form or plan terms, constitute the entire agreement between you and Odren in relation to the Service and supersede any prior arrangement.

22.2. Severability. If any provision is held invalid, illegal or unenforceable, the remaining provisions continue in full force.

22.3. No waiver. A failure or delay in exercising any right or remedy is not a waiver of that or any other right or remedy.

22.4. Assignment. You may not assign or transfer your rights or obligations without our prior written consent. We may assign or transfer our rights and obligations to any Odren Group or Ephelia Group entity, or to any successor in connection with a corporate reorganisation, merger, acquisition or sale of assets.