1. Agreement to these terms
These Terms of Service (“Terms”) are a binding agreement between Zamino, Inc. (“Zamino,” “we,” “us”) and the business or person using our platform (“you”). By creating an account or using Zamino, you accept these Terms and our Privacy Policy. If you use Zamino on behalf of a company, you confirm you have authority to bind that company.
2. What Zamino is
Zamino is AI-ready data infrastructure for small and medium businesses. We connect the data sources you authorize (banking, accounting, point-of-sale, payments, and similar), organize that data into one history-aware database you control, and make it available to you — in the Zamino app and, if you choose, to AI assistants you connect.
3. Your account
- You must provide accurate information and keep it current.
- You are responsible for safeguarding your credentials and for all activity under your account. Tell us immediately at support@zamino.com if you suspect unauthorized access.
- Zamino is a business tool. You must be at least 18 and using it for business purposes.
- Workspace owners and admins control who joins their workspace and what data each member can access. Access you grant to teammates is your responsibility.
4. Plans, billing, and trials
- Paid plans are billed at the workspace level, in advance, on a recurring subscription. Current pricing is published on our pricing page.
- Subscriptions renew automatically until cancelled. You can cancel any time; the cancellation takes effect at the end of the current billing period, and no partial-period refunds are given unless required by law.
- We may change prices with at least 30 days’ notice; changes apply from your next billing period.
- Trials and free tiers may be limited, changed, or withdrawn.
5. Your data — you own it
- All data you connect to or store in Zamino (“Customer Data”) belongs to you. We claim no ownership of it.
- You grant us a limited license to host, process, and display Customer Data solely to provide and support the service — nothing else.
- We do not sell Customer Data and we do not use it to train AI models.
- You can disconnect a source or request deletion of your data as described in the Privacy Policy.
6. Connected sources
When you connect a third-party source (for example a bank via Plaid, QuickBooks, a point-of-sale system, or a payment processor), you authorize Zamino to access that data on your behalf — read-only wherever the provider supports it. Your relationship with each provider is governed by their own terms, and we are not responsible for their services, outages, or data accuracy. You confirm you are entitled to connect the accounts you connect.
7. External AI clients
You can connect AI assistants you already use (such as ChatGPT or Claude) to your Zamino data over a secure, read-only connection. If you do:
- Data returned to an AI assistant flows into your account with that AI provider and is governed by your agreement with them — including their retention and model-training settings, which we do not control.
- Connections require explicit approval inside Zamino and can be revoked at any time in Settings → External AI Access.
- You are responsible for the questions you ask and for the access of any AI client you approve.
8. Acceptable use
You agree not to:
- Use the service unlawfully, or connect data you have no right to use.
- Probe, disable, overload, or circumvent security or access controls — including multi-tenant isolation and rate limits.
- Reverse-engineer, copy, resell, or white-label the platform.
- Use the service to build a competing product.
- Share account credentials outside your workspace’s controls.
9. Intellectual property
The Zamino platform — software, design, and documentation — is our intellectual property. If you send us feedback or suggestions, we may use them without obligation to you.
10. Not financial advice
Zamino organizes and surfaces your own business data, including through AI-generated summaries and answers. Outputs may contain errors and are provided for information only — they are not financial, tax, accounting, or legal advice. Verify important figures against your source systems and consult a qualified professional before acting.
11. Disclaimers
The service is provided “as is” and “as available.” To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted or error-free.
12. Limitation of liability
To the fullest extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or lost profits or revenues. Our total liability under these Terms is capped at the amounts you paid us in the 12 months before the claim. Nothing in these Terms limits liability that cannot be limited by law.
13. Indemnification
You will defend and indemnify Zamino against claims arising from your Customer Data, your use of the service in breach of these Terms, or your violation of law or third-party rights.
14. Termination
- You may stop using Zamino and delete your workspace at any time.
- We may suspend or terminate access for material breach of these Terms, non-payment, or where required by law — with notice where practicable.
- After termination, your data is deleted within 30 days as described in the Privacy Policy, except minimal records we must retain for legal, billing, or security reasons.
15. Changes to these terms
We may update these Terms from time to time. For material changes we will give at least 30 days’ notice by email or in-app. Continued use after the effective date means you accept the updated Terms.
16. Governing law
These Terms are governed by the laws of the Province of Quebec, Canada, without regard to conflict-of-law rules, and disputes will be resolved in the courts of that jurisdiction.
17. Contact
legal@zamino.com · Zamino, Inc., Quebec, Canada