Terms of Service

These Terms govern your use of the JarvIR service (the "Service") provided by Zero to One Flow (021flow), a sole proprietorship represented by Sungtae Ryu (the "Company"). By using the Service you agree to these Terms.

0. Business Information

• Trade Name: Zero to One Flow (021flow)
• Sole Proprietor / Representative: Sungtae Ryu
• Business Registration No.: 317-09-03418
• Address: A-2704, 25 Beopjo-ro, Yeongtong-gu, Suwon-si, Gyeonggi-do, Republic of Korea
• Email: contact@021flow.com

1. The Service

JarvIR is a SaaS platform for investor relations (IR), data rooms, revenue and financial planning, company knowledge management, and AI-assisted features. The Company may improve or change features from time to time.

2. Accounts & Workspaces

You must provide accurate information and keep your credentials secure. The Service operates per company (tenant); workspace administrators are responsible for members' access and data.

3. Pricing, Subscriptions & Payments (Merchant of Record)

Paid plans are monthly subscriptions billed in USD. Checkout, invoicing, tax collection, and refunds are handled by our Merchant of Record, Paddle.com Market Ltd. Subscriptions auto-renew until cancelled and are charged at the then-current price. Where a free trial is offered, you may be charged unless you cancel before it ends. AI actions consume plan credits; after they are used, you may continue on a pay-as-you-go basis. See our Subscription Terms for renewal, cancellation, and tax details.

We do not store full payment details such as card numbers or CVC; these are processed and held by Paddle or the relevant payment processor. In-app purchases via the App Store or Google Play are handled separately under each store's policies and are distinct from these web payments.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

4. Refunds & Cancellation

You may cancel at any time and retain access until the end of your current billing period, with no charge for the next cycle. Refunds may be requested within a set period after purchase, and mandatory refund/withdrawal rights under applicable consumer protection laws are not limited. See our Refund & Cancellation Policy.

EU consumers generally have a 14-day right of withdrawal from the conclusion of an online service contract.

Korean consumers generally have a 7-day right of withdrawal from receipt of the written contract information, or from the start of supply if supply occurs later.

Statutory exceptions may apply to digital content and services. Consent to immediate delivery does not automatically extinguish every withdrawal right. Statutory rights apply separately from our 14-day refund request policy.

5. Acceptable Use

You must comply with our Acceptable Use Policy. The Company may restrict or suspend access for unlawful, infringing, or abusive activity.

6. Content & Intellectual Property

You retain rights to data you upload or generate ("Customer Data"); the Company processes it solely to provide the Service. The Service's software, design, and trademarks remain the Company's property.

7. AI Disclaimer

AI-generated output is for reference only and is not guaranteed to be accurate or complete. Verify before relying on it for important decisions.

8. Disclaimer & Limitation of Liability

The Service is provided "as is." To the maximum extent permitted by law, the Company disclaims implied warranties, and its aggregate liability shall not exceed the amount you paid in the preceding 12 months.

9. Changes

We may update these Terms and will give advance notice of material changes in-app or by email. Continued use constitutes acceptance.

10. Governing Law

These Terms are governed by the laws of Republic of Korea, with jurisdiction in the Suwon District Court. This does not limit any mandatory rights or venue available to consumers under applicable consumer protection laws.

11. Contact

Zero to One Flow (021flow) · A-2704, 25 Beopjo-ro, Yeongtong-gu, Suwon-si, Gyeonggi-do, Republic of Korea · contact@021flow.com