> For the complete documentation index, see [llms.txt](https://zamways.gitbook.io/certificates/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://zamways.gitbook.io/certificates/legal-disclaimer.md).

# Legal Disclaimer

- [Merchant Terms](https://zamways.gitbook.io/certificates/legal-disclaimer/merchant-terms.md): Merchant Terms & Condition.
- [Refund-Return Policy](https://zamways.gitbook.io/certificates/legal-disclaimer/refund-return-policy.md): Zamways Refund Policy.
- [Purchase Flow](https://zamways.gitbook.io/certificates/legal-disclaimer/purchase-flow.md): Purchase Flow.