Terms of Service

These terms are an agreement between you and Zippalo (“we”, “us”). By creating an account or using zippalo.net you agree to them. If you don’t agree, please don’t use the service.

1. Who can use Zippalo

• You must be at least 18 years old and able to enter a binding contract.
• One person, one account. Each account may verify one mobile number, and a number can belong to only one account.
• You’re responsible for everything done through your account. Keep access to your email and phone secure.

2. What Zippalo is (and isn’t)

Zippalo is a venue that connects buyers and sellers in Oklahoma, Missouri, Kansas and Arkansas. Sellers — not Zippalo — own the items, write the listings, and are responsible for their accuracy and legality. We don’t inspect items, and we don’t guarantee any item, price, or person.

3. Listing rules

• You may only list items you legally own or are authorized to sell, and you confirm this each time you post.
• Listings must be truthful, include real photos/video of the actual item, and follow our Prohibited Items policy.
• No phone numbers, emails, links, or requests to pay outside Zippalo in listings, messages, or reviews.
• We may hold, edit for safety, or remove any listing, and suspend accounts that break these rules.

4. Meetup Lock™ payments

• When you buy with Meetup Lock, our payment processor (Stripe) places a hold on your card. You are charged only when the seller scans your QR code in person and both phones are within about 100 feet.
• If no handshake happens within 7 days, or the buyer cancels before the handshake, the hold is released.
• Inspect the item before letting the seller scan. Once released, payments are final except as required by law or our dispute process.
• Sellers receive the item price through Stripe Connect. Zippalo keeps the posted Meetup Lock fee (currently 1.5%). Sellers must complete Stripe’s identity and bank checks to be paid.
• Auction winners must pay into Meetup Lock within 48 hours. A winning bid is a commitment to buy.

5. Fees and paid features

Listing is free. Optional paid features (AI Camera Scan, Condition TimeStamp Seal, Lowball Shield bypass, 3-Way Trade Loops, Corridor Pulse pins, Haul-Along delivery) show their price before you pay. Fees for features that were delivered are non-refundable.

6. Disputes

If something goes wrong, use “Report a problem” on the trade before the payment is released. Our support team may contact both parties and may release the buyer’s hold. Disputes between users are ultimately between those users; we aren’t a party to the sale.

7. Safety

Meet in a public, well-lit place, bring someone along for large items, and never share codes or payment details over text. Zippalo staff will never ask for your password, sign-in code, or card number.

8. Your content

You keep ownership of what you post. You give Zippalo permission to host, display, resize and share it to operate and promote the service. Don’t post anything you don’t have the right to share.

9. Ending your account

You can delete your account anytime in Account settings. We may suspend or close accounts that break these terms or put others at risk.

10. Disclaimers and limits

The service is provided “as is.” To the fullest extent allowed by law, Zippalo isn’t liable for indirect or consequential losses, or for more than the fees you paid us in the 12 months before the claim.

11. Changes and contact

We may update these terms and will notify you of material changes. Questions: support@zippalo.net.