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Just so everyone knows, their new agreement they force you to sign explicitly states:
"Zombaio will not be held responsible for any reserve or outstanding balances in the unlikely event of bankruptcy"
Also, their new terms state they can terminate your account at a 1.5% chargeback rate. While at the same time later on stating they will charge additional fees if you have a chargeback ratio of above 2%.
Their chargeback calculation specifically states 4 weeks / number of chargebacks. The same thing their old agreement said yet they actually calculated it by 4 weeks / number of chargebacks and 4 weeks / amount of chargebacks to double your chargeback rate.
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