Effective date: February 12, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," "User," "Subscriber") and Tereda Software LLC ("Tereda," "we," "us," "our," "Company"), governing your access to and use of the ZAFTO platform, including all associated websites, applications, portals, APIs, and services (collectively, the "Service" or "Platform"). By accessing or using any part of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.
If you do not agree to these Terms, you must immediately cease all use of the Service and delete your account.
1.1. By creating an account, accessing, or using any ZAFTO application, including but not limited to the Web CRM at zafto.cloud, the Employee Portal at team.zafto.cloud, the Client Portal at client.zafto.cloud, the Ops Portal at ops.zafto.cloud, the Contractor App (iOS and Android), the Field App (iOS and Android), and the Office App (iOS and Android), you accept and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
1.2. You must be at least eighteen (18) years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into binding agreements.
1.3. If you are using the Service on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms. In such cases, "you" and "your" refer to that entity. If you do not have such authority, or if the entity does not agree to these Terms, you must not access or use the Service.
1.4. These Terms apply to all users of the Service, including but not limited to account owners, administrators, office managers, technicians, apprentices, CPAs, and any other authorized users granted access through role-based permissions.
2.1. "Service" or "Platform" means the ZAFTO software-as-a-service platform, including all web applications, mobile applications, portals, APIs, integrations, documentation, and any updates, upgrades, or modifications thereto.
2.2. "Account" means the registered account created by a Subscriber to access the Service, inclusive of all associated configuration, settings, and data.
2.3. "Content" means all text, images, photographs, audio, video, data, files, documents, measurements, blueprints, sketches, financial records, communications, and any other materials uploaded to, generated by, transmitted through, or stored on the Platform.
2.4. "User Data" means any data, information, or content that a User submits, uploads, or otherwise provides to the Service in the course of using the Platform.
2.5. "Company Data" means all User Data associated with a specific Subscriber's account, including but not limited to client records, job data, financial transactions, employee information, property data, estimates, invoices, documents, communications, and all other business information stored within the Platform.
2.6. "Subscriber" means the individual or business entity that has registered for a paid subscription to the Service and is responsible for payment of applicable fees.
2.7. "Authorized User" means any individual granted access to the Service by a Subscriber, including employees, contractors, accountants, and other personnel assigned a role within the Platform's role-based access control system.
2.8. "Third-Party Services" means any third-party applications, platforms, services, or integrations that interact with or are accessible through the Platform, including but not limited to Stripe, Plaid, Twilio, Supabase, Vercel, Cloudflare, and any AI service providers.
2.9. "AI Features" means any artificial intelligence, machine learning, or automated analysis capabilities offered through the Platform, including but not limited to Z Intelligence, blueprint analysis, material takeoff estimation, satellite data interpretation, and automated document generation.
3.1. To use the Service, you must create an account by providing accurate, current, and complete registration information. You agree to update this information as necessary to maintain its accuracy. Providing false, misleading, or outdated information constitutes a violation of these Terms and may result in immediate account termination.
3.2. Each Subscriber account corresponds to a single business entity. One company per account. You may not create multiple accounts for the same business entity without prior written consent from Tereda.
3.3. You are solely responsible for maintaining the confidentiality of your account credentials, including your password, API keys, and any authentication tokens. You agree to immediately notify Tereda at security@zafto.app of any unauthorized access to or use of your account.
3.4. You are responsible for all activity that occurs under your account, whether or not authorized by you. Tereda shall not be liable for any loss or damage arising from your failure to protect your account credentials.
3.5. The Platform provides role-based access control with the following roles: owner, admin, office_manager, technician, apprentice, cpa, and super_admin. The Subscriber is responsible for assigning appropriate roles and permissions to all Authorized Users. You acknowledge that granting elevated permissions to an Authorized User grants that individual access to sensitive business data, and you assume all risk associated with such access delegation.
3.6. Subscriber accounts designated as "owner" have full administrative control, including the ability to add and remove Authorized Users, modify billing information, export data, and terminate the account. The Subscriber is responsible for ensuring that owner-level access is restricted to appropriate personnel.
4.1. The Service is offered on a subscription basis. Current pricing tiers are as follows:
Feature availability varies by tier. Detailed feature breakdowns are published on our Pricing page and are subject to change.
4.2. Subscriptions are billed on a recurring monthly or annual cycle, as selected at the time of purchase. All fees are due in advance of each billing period. Billing begins on the date of subscription activation.
4.3. Subscriptions automatically renew at the end of each billing cycle unless cancelled by the Subscriber prior to the renewal date. You authorize Tereda to charge your designated payment method for all applicable fees at each renewal.
4.4. Tereda reserves the right to modify pricing at any time. Any price increase shall take effect no sooner than thirty (30) days after written notice is provided to the Subscriber via email or in-platform notification. Continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.
4.5. All fees are exclusive of applicable taxes, levies, and duties. You are responsible for all taxes associated with your use of the Service, excluding taxes based on Tereda's net income.
4.6. New Subscribers may be eligible for a fourteen (14) day free trial period. During the trial, you may use the Service with full functionality as determined by Tereda. At the conclusion of the trial, your subscription will automatically convert to a paid subscription unless cancelled before the trial expires. No refunds will be issued after the trial period has ended and the first payment has been processed.
4.7. All sales are final. Tereda does not offer refunds for any subscription fees already paid, partial-month usage, or unused portions of a billing cycle, except as required by applicable law. If you cancel your subscription, you will retain access to the Service through the end of your current billing period.
4.8. If payment fails, Tereda will attempt to process the charge using your payment method on file for up to fifteen (15) days. If payment remains unsuccessful after fifteen (15) days, Tereda may suspend your account. If payment is not resolved within thirty (30) days of the original due date, Tereda may terminate your account in accordance with Section 14.
5.1. The Service is intended solely for lawful business use by trades contractors and related professionals, including but not limited to electricians, plumbers, HVAC technicians, general contractors, roofers, painters, landscapers, and other skilled trades. You may not use the Service for personal, non-business purposes.
5.2. You agree to comply with all applicable local, state, federal, and international laws, regulations, and ordinances in connection with your use of the Service, including but not limited to labor laws, tax regulations, telecommunications laws, data protection laws, and professional licensing requirements.
5.3. Subscriptions are licensed on a per-company basis. Authorized User seats are allocated according to your subscription tier. You may not share, transfer, or sublicense access credentials to individuals outside your organization. Each Authorized User must have a unique login.
5.4. You shall not:
The following terms apply to specific features and modules of the Platform. These terms supplement, and do not replace, the general terms set forth elsewhere in this agreement.
6.1.1. The Platform includes accounting, bookkeeping, invoicing, and financial reporting tools. These tools are provided as business management software only. Tereda is not a bank, financial institution, money transmitter, registered investment advisor, or certified public accountant. Nothing in the Service constitutes financial, accounting, tax, investment, or legal advice.
6.1.2. Bank account synchronization is facilitated through Plaid, Inc. ("Plaid"). By enabling bank sync, you agree to Plaid's end-user terms and privacy policy. Tereda does not store your bank login credentials. Tereda is not responsible for any errors, delays, or failures in data transmission by Plaid, and does not guarantee the accuracy, completeness, or timeliness of bank data retrieved through Plaid.
6.1.3. Payment processing, including credit card and ACH payments, is facilitated through Stripe, Inc. ("Stripe"). By using payment processing features, you agree to Stripe's Connected Account Agreement and Terms of Service. Tereda does not process, store, or have access to your customers' full payment card numbers. All payment disputes, chargebacks, and refunds are governed by Stripe's policies. Tereda is not liable for any funds held, delayed, or reversed by Stripe.
6.1.4. You are solely responsible for the accuracy of all financial data entered into the Platform, including invoices, expenses, journal entries, and tax configurations. You should consult with a qualified accountant or CPA before relying on any financial data, reports, or calculations produced by the Platform for tax filing, regulatory compliance, or financial decision-making purposes.
6.2.1. The Platform includes payroll calculation and direct deposit functionality. You, as the employer, are solely responsible for compliance with all applicable federal, state, and local payroll tax laws, wage and hour laws, overtime regulations, and employment laws. Tereda is not a payroll tax advisor, employment attorney, or registered agent for tax purposes.
6.2.2. Tereda does not file payroll taxes on your behalf unless explicitly agreed to under a separate written agreement. You are responsible for withholding, reporting, and remitting all applicable payroll taxes, including but not limited to federal income tax, state income tax, Social Security, Medicare, FUTA, and SUTA.
6.2.3. Direct deposit is processed through third-party banking partners. Tereda does not guarantee the timing of deposit delivery and is not liable for delays caused by banking institutions, federal reserve processing windows, or incorrect banking information provided by the employer or employee.
6.2.4. You are responsible for maintaining accurate and complete employee records, including but not limited to W-4 forms, I-9 verification, state withholding elections, and direct deposit authorization forms. You agree to handle all employee personal and financial data in accordance with applicable data protection and privacy laws.
6.3.1. The Platform includes a business phone system with calling, SMS messaging, and fax capabilities, powered by Twilio, Inc. ("Twilio"). By using the phone system, you agree to comply with Twilio's Acceptable Use Policy and all applicable terms.
6.3.2. You are solely responsible for compliance with the Telephone Consumer Protection Act ("TCPA"), the CAN-SPAM Act, and all applicable federal, state, and local telecommunications regulations. This includes, without limitation, obtaining all required consents before sending SMS messages, making automated or prerecorded calls, or transmitting fax communications.
6.3.3. If you use call recording features, you are solely responsible for compliance with all applicable call recording laws. Some jurisdictions require all-party consent (meaning every participant on the call must consent to the recording). You must determine which laws apply to your calls and obtain all required consents before recording. Tereda provides the recording tool; Tereda does not provide legal guidance on recording consent requirements. Unauthorized recording may expose you to civil and criminal liability.
6.3.4. Phone number porting (transferring an existing phone number to the Platform) is subject to the policies and timelines of the originating and receiving carriers. Tereda does not guarantee the success, timing, or availability of number porting. Porting requests may take between five (5) and twenty (20) business days. During the porting process, you may experience temporary service interruptions.
6.3.5. You agree not to use the phone system for any unlawful purpose, including but not limited to spam, robocalling, phishing, vishing, harassment, or any communication that violates applicable law. Tereda reserves the right to suspend or terminate phone system access immediately upon detection of abusive or unlawful usage, without prior notice.
6.4.1. The Platform includes AI-powered features collectively branded as "Z Intelligence." These features may include, without limitation, contextual recommendations, automated data analysis, natural language queries, document summarization, code compliance lookups, material suggestions, scheduling optimization, and other AI-assisted functionality.
6.4.2. AI FEATURES ARE ADVISORY ONLY. All outputs, recommendations, suggestions, and analyses generated by AI features are provided for informational purposes and do not constitute professional advice of any kind. Specifically, AI outputs do not constitute:
6.4.3. You must independently verify all AI-generated outputs before relying on them for business decisions, code compliance, financial reporting, client communications, or any other purpose. Tereda does not warrant the accuracy, completeness, reliability, or fitness for any particular purpose of AI-generated content.
6.4.4. Your Company Data may be used to provide contextual AI responses within your account. Your data is not used to train third-party AI models without your explicit written consent. AI processing occurs through third-party AI service providers, and data transmitted to those providers is subject to their respective privacy and data handling policies.
6.5.1. The Platform includes a sketch engine and LiDAR-based measurement tools for creating floor plans, site layouts, and spatial measurements. All measurements, dimensions, areas, and volumes generated by the Sketch Engine or LiDAR tools are estimates only and are not guaranteed to be accurate.
6.5.2. LiDAR measurements are subject to hardware limitations, environmental conditions, user technique, device calibration, and other variables that may affect accuracy. Reported measurements may deviate from actual dimensions.
6.5.3. The Sketch Engine and LiDAR tools are not a substitute for professional surveying, engineering measurement, or architectural drawing. You must verify all measurements independently before using them for bidding, material ordering, construction, regulatory compliance, or any purpose where dimensional accuracy is material. Tereda is not liable for any costs, damages, or losses arising from reliance on Sketch Engine or LiDAR measurements.
6.6.1. The Platform includes a satellite-based property scanning feature ("Recon") that provides aerial imagery, property boundary data, roof measurements, lot dimensions, and related spatial information derived from satellite and aerial data sources.
6.6.2. All satellite-derived data, measurements, dimensions, areas, and property boundaries are approximate and are not guaranteed to be accurate. Satellite imagery resolution, age of imagery, atmospheric conditions, terrain, and data source limitations may all affect accuracy.
6.6.3. Recon is not a substitute for on-site property assessment, professional land surveying, title search, or physical inspection. You must verify all satellite-derived data independently before relying on it for estimates, bids, material calculations, property assessments, insurance claims, or any other business purpose. Tereda is not liable for any costs, damages, or losses arising from reliance on satellite data.
6.7.1. The Platform includes an AI-powered blueprint analysis feature that reads architectural and engineering drawings, extracts dimensions and specifications, and generates automated material takeoffs and quantity estimates.
6.7.2. Blueprint analysis results, including extracted measurements, material lists, quantity calculations, and cost estimates, are AI-generated approximations only. They are not certified takeoffs and do not replace professional quantity surveying or manual plan review.
6.7.3. You must independently verify all blueprint analysis outputs before using them for bidding, procurement, construction, or any other purpose. Tereda is not liable for errors in AI-extracted data, incorrect material quantities, missed specifications, or any costs, damages, or losses arising from reliance on blueprint analysis outputs.
6.8.1. The Platform includes workflow tools for managing insurance and restoration claims, including claim documentation, photo capture, scope of work generation, carrier communication tracking, and related functionality.
6.8.2. Tereda is not an insurance company, insurance broker, claims adjuster, public adjuster, or licensed insurance professional. The Platform facilitates your internal workflow; it does not provide insurance advice, adjusting services, or claims settlement recommendations.
6.8.3. You are solely responsible for the accuracy of all claim documentation, scope of work descriptions, pricing, and communications with insurance carriers. Tereda is not responsible for the outcome of any insurance claim, coverage determination, payment amount, or dispute with any insurance carrier.
6.8.4. You agree to comply with all applicable insurance fraud laws, regulations, and reporting requirements. Submitting false or misleading information through the Platform for insurance claim purposes may constitute insurance fraud and is a violation of these Terms.
6.9.1. The Platform provides a client-facing portal (client.zafto.cloud) through which your customers may view project information, approve estimates, make payments, sign documents, and communicate with your company.
6.9.2. You, as the Subscriber, are solely responsible for all content displayed to your clients through the Client Portal, including but not limited to estimates, invoices, project descriptions, photos, documents, and communications. Tereda serves as the hosting platform and is not responsible for the accuracy, legality, or appropriateness of client-facing content.
6.9.3. Client Portal access is authenticated via magic link (passwordless email authentication). You acknowledge that magic link security depends on the security of your client's email account. Tereda is not liable for unauthorized access resulting from compromised client email accounts.
6.10.1. The Platform includes property management tools for tracking rental properties, tenants, leases, maintenance requests, and related workflows.
6.10.2. Tereda is not a property management company, real estate broker, or licensed real estate professional. The Platform provides tools to assist you in managing your own properties; it does not provide property management services, real estate advice, or legal guidance.
6.10.3. You are solely responsible for compliance with all applicable landlord-tenant laws, fair housing laws, building codes, habitability requirements, security deposit regulations, eviction procedures, and all other real estate and property management regulations in your jurisdiction. Tereda is not liable for any violations of applicable law arising from your use of the property management features.
6.11.1. The Platform may include a marketplace feature that connects contractors, suppliers, subcontractors, and other parties for the purpose of facilitating business transactions.
6.11.2. Tereda operates the marketplace as a platform connecting parties. Tereda is not a party to any transaction between marketplace users. Tereda does not vet, endorse, guarantee, or assume liability for the quality, safety, legality, or delivery of any goods or services offered through the marketplace.
6.11.3. All transactions between marketplace participants are solely between those parties. You assume all risk associated with marketplace transactions, including but not limited to non-delivery, defective goods, payment disputes, and misrepresentation.
6.12.1. The Platform includes document generation tools that produce contracts, proposals, change orders, lien waivers, work authorizations, and other business documents from templates.
6.12.2. All generated documents are starting points and templates only. They do not constitute legal documents, legal advice, or legally reviewed instruments. You are solely responsible for reviewing, customizing, and validating all generated documents before use. Tereda strongly recommends that you consult with a qualified attorney before using any generated document for contractual, legal, or regulatory purposes.
6.12.3. Tereda is not liable for any legal consequences, disputes, or losses arising from the use of documents generated by the Platform.
6.13.1. The Platform includes video meeting functionality for internal team communication, client consultations, and remote inspections.
6.13.2. If you use meeting recording features, you are solely responsible for obtaining all consents required by applicable law before recording any meeting participant. Recording requirements vary by jurisdiction and may require consent from all participants.
6.13.3. Recorded meetings are stored in accordance with the Platform's data retention policies. You are responsible for managing the retention and deletion of recorded meetings in compliance with your own data retention requirements and applicable law.
6.14.1. The Platform includes GPS-based fleet tracking, vehicle management, and equipment tracking tools. You are solely responsible for compliance with all applicable laws regarding employee location tracking, including obtaining required employee consents and providing required notices.
6.14.2. GPS location data accuracy depends on device hardware, signal availability, and environmental factors. Tereda does not guarantee the accuracy or real-time precision of location data.
6.15.1. The Platform includes employee management, time tracking, scheduling, certifications tracking, and HR workflow tools. These tools are administrative aids only. Tereda is not an HR consulting firm, employment attorney, or staffing agency.
6.15.2. You are solely responsible for compliance with all applicable employment laws, including but not limited to wage and hour laws, overtime rules, break requirements, anti-discrimination laws, workplace safety regulations (OSHA), and workers' compensation requirements.
7.1. You own your data. As between you and Tereda, you retain all right, title, and interest in and to all User Data and Company Data that you submit to, upload to, or generate through the Platform.
7.2. By submitting User Data to the Platform, you grant Tereda a limited, non-exclusive, worldwide, royalty-free license to host, store, process, display, transmit, reproduce, and distribute your User Data solely as necessary to provide, maintain, improve, and support the Service. This license terminates when you delete the applicable data or when your account is terminated, subject to reasonable backup and archival retention periods.
7.3. You represent and warrant that you own or have all necessary rights, licenses, and permissions to submit all User Data to the Platform, and that such data does not infringe upon or violate any third party's intellectual property rights, privacy rights, or other legal rights.
7.4. You are solely responsible for the accuracy, quality, legality, and appropriateness of all User Data. Tereda does not pre-screen User Data and is not obligated to monitor the content submitted by users.
7.5. Tereda reserves the right to remove or disable access to any User Data that violates these Terms, applicable law, or the rights of any third party, or that Tereda reasonably determines to be harmful, offensive, or otherwise objectionable.
7.6. You may export your Company Data at any time through the Platform's data export functionality. Tereda will provide data export capabilities in standard, machine-readable formats.
8.1. The Service, including all software, code, algorithms, databases, interfaces, designs, graphics, text, trademarks, trade names, service marks, logos (including the ZAFTO name and logo), documentation, and all other elements of the Platform, are the exclusive property of Tereda Software LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
8.2. These Terms do not grant you any right, title, or interest in the Service except for the limited right to use the Service in accordance with these Terms during your active subscription. You may not copy, modify, adapt, translate, create derivative works from, distribute, license, sell, transfer, publicly display, publicly perform, reproduce, transmit, or otherwise exploit the Service or any portion thereof.
8.3. You retain all intellectual property rights in your Company Data. Nothing in these Terms transfers ownership of your business data, client lists, financial records, or other proprietary business information to Tereda.
8.4. Any feedback, suggestions, ideas, enhancement requests, or other recommendations you provide to Tereda regarding the Service ("Feedback") shall become the exclusive property of Tereda. You hereby assign to Tereda all right, title, and interest in and to any Feedback, and Tereda shall be free to use, implement, modify, and commercialize such Feedback without restriction, attribution, or compensation.
9.1. The Service integrates with and relies upon certain Third-Party Services, including but not limited to:
9.2. Your use of Third-Party Services is subject to the respective terms of service, privacy policies, and acceptable use policies of each third-party provider. It is your responsibility to review and comply with those terms.
9.3. Tereda is not responsible for any errors, outages, data loss, security breaches, service interruptions, or other failures caused by Third-Party Services. Tereda does not guarantee the availability, reliability, or performance of any Third-Party Service.
9.4. If a Third-Party Service modifies its terms, discontinues its service, or changes its functionality in a manner that affects the Platform, Tereda will use commercially reasonable efforts to find alternative solutions but is not obligated to maintain any specific third-party integration.
10.1. Tereda's collection, use, storage, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in the Privacy Policy.
10.2. You acknowledge that as a Subscriber managing employee data, client data, and financial data through the Platform, you may be subject to independent data protection obligations under applicable privacy laws (including but not limited to CCPA, GDPR, state privacy laws, and industry-specific regulations). Compliance with such obligations is your sole responsibility.
11.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TEREDA SOFTWARE LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS (COLLECTIVELY, THE "TEREDA PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS, LOSS OF GOODWILL, LOSS OF DATA, LOSS OF USE, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE, OR OTHERWISE) AND REGARDLESS OF WHETHER THE TEREDA PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11.2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE TEREDA PARTIES FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO TEREDA DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IF YOU HAVE NOT PAID ANY FEES TO TEREDA, TEREDA'S MAXIMUM AGGREGATE LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD).
11.3. WITHOUT LIMITING THE FOREGOING, THE TEREDA PARTIES SHALL HAVE NO LIABILITY FOR:
11.4. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE LIABILITY OF THE TEREDA PARTIES SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
12.1. You agree to indemnify, defend, and hold harmless the Tereda Parties from and against any and all claims, demands, actions, suits, proceedings, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or in connection with:
12.2. Tereda reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Tereda, and you agree to cooperate with Tereda's defense of such claims. You agree not to settle any such matter without the prior written consent of Tereda.
13.1. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TEREDA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND QUIET ENJOYMENT.
13.2. WITHOUT LIMITING THE FOREGOING, TEREDA MAKES NO WARRANTY OR REPRESENTATION THAT:
13.3. FINANCIAL FEATURES, INCLUDING ACCOUNTING, BOOKKEEPING, INVOICING, PAYROLL, AND TAX TOOLS, ARE BUSINESS MANAGEMENT SOFTWARE TOOLS ONLY. THEY ARE NOT PROFESSIONAL FINANCIAL ADVICE, TAX ADVICE, ACCOUNTING ADVICE, OR AUDITING SERVICES. YOU SHOULD CONSULT WITH A QUALIFIED ACCOUNTANT, CPA, OR FINANCIAL ADVISOR BEFORE MAKING FINANCIAL DECISIONS BASED ON DATA FROM THE PLATFORM.
13.4. AI FEATURES ARE PROVIDED ON A BEST-EFFORT BASIS. ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING MODELS MAY PRODUCE INACCURATE, INCOMPLETE, OR MISLEADING OUTPUTS. YOU ACKNOWLEDGE AND ACCEPT THE INHERENT LIMITATIONS OF AI TECHNOLOGY AND AGREE NOT TO RELY ON AI OUTPUTS WITHOUT INDEPENDENT VERIFICATION.
13.5. You acknowledge that the Service is a general-purpose business management platform and is not designed or certified for use in situations where failure could lead to death, personal injury, or severe environmental damage. You agree not to use the Service for any safety-critical application without appropriate independent verification and safety systems.
14.1. Cancellation by Subscriber. You may cancel your subscription at any time through your account settings or by contacting support@zafto.app. Cancellation will take effect at the end of your current billing period. You will retain access to the Service until the end of the paid period. No prorated refunds will be issued for partial billing periods.
14.2. Suspension by Tereda. Tereda may suspend your access to the Service, in whole or in part, immediately and without prior notice, if Tereda reasonably believes that you have violated these Terms, engaged in fraudulent or illegal activity, or posed a security risk to the Platform or other users. Tereda will provide notice of suspension and the reason therefor as soon as reasonably practicable.
14.3. Termination for Non-Payment. If your account is past due for more than thirty (30) days, Tereda may terminate your account after providing written notice and a reasonable opportunity to cure the payment deficiency.
14.4. Termination by Tereda. Tereda may terminate your account for any material violation of these Terms upon thirty (30) days' written notice, unless the violation is cured within the notice period. In cases of severe violations (including but not limited to fraud, illegal activity, abuse of other users, or security threats), Tereda may terminate your account immediately without prior notice.
14.5. Effect of Termination. Upon termination or expiration of your account:
15.1. Informal Resolution. Before initiating any formal dispute resolution proceeding, you agree to first contact Tereda at legal@zafto.app and attempt to resolve the dispute informally for a period of at least thirty (30) days. Most disputes can be resolved without formal proceedings.
15.2. Binding Arbitration. If a dispute cannot be resolved informally within thirty (30) days, you and Tereda agree that the dispute shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules then in effect. The arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative action. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
15.3. CLASS ACTION WAIVER. YOU AND TEREDA AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.
15.4. Small Claims Exception. Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within the jurisdictional limits of that court.
15.5. Governing Law. These Terms shall be governed by and construed in accordance with the laws of the State of incorporation of Tereda Software LLC, without regard to its conflict of law principles.
15.6. Injunctive Relief. Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidentiality obligations, or data security obligations.
16.1. Tereda shall not be liable for any delay or failure to perform its obligations under these Terms resulting from events beyond Tereda's reasonable control, including but not limited to natural disasters, acts of God, war, terrorism, riots, civil unrest, government actions, embargoes, sanctions, epidemics, pandemics, labor disputes, strikes, fire, flood, earthquake, hurricane, power outages, internet outages, telecommunications failures, cyberattacks, denial-of-service attacks, third-party service provider failures, or any other event beyond Tereda's reasonable control (each a "Force Majeure Event").
16.2. In the event of a Force Majeure Event, Tereda will use commercially reasonable efforts to resume performance as soon as practicable and will provide timely notice of the Force Majeure Event and its expected duration.
17.1. Tereda reserves the right to modify these Terms at any time. For material changes, Tereda will provide at least thirty (30) days' advance notice via email to the address associated with your account, in-platform notification, or by posting the updated Terms on the Platform with a revised effective date.
17.2. Your continued use of the Service after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Service and cancel your subscription before the effective date of the modification.
17.3. Non-material changes (such as typographical corrections, formatting updates, or clarifications that do not alter the substance of the Terms) may be made without advance notice.
18.1. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction or arbitrator, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, it shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.
19.1. These Terms, together with the Privacy Policy and any additional terms, policies, or agreements referenced herein or agreed to in writing between you and Tereda (including Enterprise subscription agreements), constitute the entire agreement between you and Tereda with respect to the subject matter hereof and supersede all prior or contemporaneous agreements, proposals, negotiations, representations, warranties, and communications, whether oral or written, relating to such subject matter.
19.2. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Tereda's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
19.3. The section headings in these Terms are for convenience only and have no legal or contractual effect.
20.1. You may not assign or transfer your rights or obligations under these Terms, in whole or in part, without the prior written consent of Tereda. Any attempted assignment without consent shall be void.
20.2. Tereda may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets.
21.1. By using the Service, you consent to receive communications from Tereda electronically, including via email, in-platform notifications, push notifications, and SMS (if you have opted in to SMS communications). You agree that all agreements, notices, disclosures, and other communications that Tereda provides to you electronically satisfy any legal requirement that such communications be in writing.
22.1. You agree to comply with all applicable export control and sanctions laws and regulations, including those of the United States. You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S. sanctions, and that you are not on any U.S. government restricted party list.
23.1. If you are a U.S. government entity or using the Service on behalf of a U.S. government entity, the Service constitutes "commercial computer software" and "commercial computer software documentation" as those terms are defined in 48 C.F.R. 2.101. Use, duplication, and disclosure are subject to the restrictions set forth in these Terms consistent with 48 C.F.R. 12.212 (Computer Software) and 48 C.F.R. 227.7202 (Rights in Technical Data and Computer Software), as applicable.
24.1. If you have questions about these Terms, please contact us:
These Terms were last updated on February 12, 2026.