Terms of Use
Last Updated: May 13, 2024
Please read these Terms of Use carefully before accessing or using any part of the Zemrato platform or services. By accessing or using the platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the platform.
1. Definitions
"Platform" refers to the Zemrato website, web application, and all associated services available at zemrato.com.
"Company" refers to Zemrato and its authorized representatives.
"User" refers to any individual or entity that accesses or uses the Platform.
"Account" refers to the registered profile created by a User to access features of the Platform.
"Content" refers to any text, data, reports, outputs, materials, or information made available through the Platform.
"Subscription" refers to a paid or trial plan granting access to specific features of the Platform.
2. Acceptance of Terms
By creating an Account, accessing the Platform, or using any service offered by the Company, you enter into a binding agreement governed by these Terms. Your continued use of the Platform following any update to these Terms constitutes acceptance of the revised Terms.
If you are accessing the Platform on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
3. Eligibility
You must be at least 18 years of age to use the Platform. By using the Platform, you represent and warrant that you meet this requirement and that all information you provide is accurate and complete.
The Company reserves the right to refuse access to any User at its sole discretion.
4. Account Registration and Security
4.1 Registration
To access certain features, you must register for an Account by providing accurate, current, and complete information. You agree to keep your registration information up to date.
4.2 Credentials
You are solely responsible for maintaining the confidentiality of your login credentials. You must not share your Account with any third party. The Company is not liable for any loss or damage arising from unauthorized use of your Account.
4.3 Notification
You agree to notify the Company immediately at [email protected] if you become aware of any unauthorized access to or use of your Account.
5. Use of the Platform
5.1 Permitted Use
The Platform is provided for lawful, personal or internal business purposes. You may use the Platform only in accordance with these Terms and all applicable laws and regulations.
5.2 Prohibited Conduct
You agree that you will not:
— Use the Platform for any unlawful, fraudulent, or harmful purpose.
— Attempt to gain unauthorized access to any part of the Platform or its infrastructure.
— Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code from the Platform.
— Transmit malware, viruses, or any code of a destructive nature.
— Scrape, harvest, or collect data from the Platform without prior written consent.
— Interfere with or disrupt the integrity or performance of the Platform or its related systems.
— Use automated tools, bots, or scripts to access or interact with the Platform without authorization.
— Reproduce, duplicate, copy, sell, or resell any part of the Platform without express written permission.
— Impersonate any person or entity or misrepresent your affiliation with any person or entity.
6. Subscriptions and Payments
6.1 Plans
Access to certain features of the Platform requires a paid Subscription. Details of available plans, pricing, and included features are described on the Platform's pricing page and may be updated from time to time.
6.2 Billing
Subscription fees are billed in advance on a recurring basis according to the billing cycle selected at checkout. You authorize the Company to charge your designated payment method for all applicable fees.
6.3 Taxes
All fees are exclusive of applicable taxes. You are responsible for any taxes imposed on your use of the Platform.
6.4 Cancellation
You may cancel your Subscription at any time through your Account settings. Cancellation takes effect at the end of the current billing period. No refunds are issued for partial billing periods unless otherwise required.
6.5 Changes to Pricing
The Company reserves the right to modify subscription fees. Any pricing changes will be communicated with reasonable notice and will apply to the next billing cycle.
7. Intellectual Property
7.1 Company Ownership
All rights, title, and interest in and to the Platform, including its design, software, algorithms, Content, trademarks, and documentation, are and remain the exclusive property of the Company. Nothing in these Terms grants you any ownership interest in the Platform.
7.2 License Grant
Subject to your compliance with these Terms and payment of applicable fees, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your permitted purposes during the term of your Subscription.
7.3 User Content
Any data, information, or materials you submit to the Platform remain your property. By submitting such materials, you grant the Company a limited license to process and use them solely to provide the services you have requested.
7.4 Feedback
If you provide feedback, suggestions, or ideas regarding the Platform, the Company may use such feedback freely without any obligation to you.
8. Data and Privacy
Your use of the Platform is subject to the Company's Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection and use of your information as described in the Privacy Policy.
The Company implements reasonable technical and organizational measures to protect your data but cannot guarantee absolute security. You are responsible for the accuracy and legality of any data you input into the Platform.
9. AI-Generated Outputs and Forecasting
The Platform provides AI-assisted budgeting, forecasting, and financial analysis tools. Outputs generated by the Platform are provided for informational and planning purposes only and do not constitute financial advice, investment advice, or professional consulting services.
You acknowledge that all AI-generated outputs may contain errors or inaccuracies, and you are solely responsible for evaluating and acting upon any information produced by the Platform. The Company makes no warranty regarding the accuracy, completeness, or fitness for purpose of any output.
10. Third-Party Services and Links
The Platform may integrate with or link to third-party services, tools, or websites. The Company does not endorse and is not responsible for the availability, accuracy, or content of any third-party services. Your use of third-party services is governed by their respective terms and policies.
11. Availability and Modifications
The Company reserves the right to modify, suspend, or discontinue any part of the Platform at any time with or without notice. Scheduled maintenance or unforeseen downtime may temporarily limit access to the Platform. The Company will endeavor to minimize disruptions but makes no guarantee of uninterrupted availability.
The Company may update or modify these Terms at any time. Significant changes will be communicated through the Platform or by email. Continued use following notification constitutes acceptance of the updated Terms.
12. Disclaimers
The Platform is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory. The Company expressly disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
The Company does not warrant that the Platform will be error-free, uninterrupted, secure, or free of viruses or other harmful components.
13. Limitation of Liability
To the fullest extent permitted by applicable law, the Company and its affiliates, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of or inability to use the Platform, even if advised of the possibility of such damages.
The Company's total cumulative liability to you for any claims arising under or related to these Terms shall not exceed the total amount paid by you to the Company in the twelve months preceding the event giving rise to the claim.
14. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Platform, your violation of these Terms, or your infringement of any third-party rights.
15. Termination
The Company may suspend or terminate your Account and access to the Platform at any time, with or without cause, with or without notice. Upon termination, your right to use the Platform ceases immediately.
You may terminate your Account at any time by contacting the Company or using the Account deletion option in your settings. Termination does not relieve you of any obligations incurred prior to termination.
Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property, disclaimers, limitation of liability, and indemnification clauses.
16. Governing Terms
These Terms constitute the entire agreement between you and the Company with respect to the Platform and supersede all prior agreements, communications, and understandings. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
17. Contact
If you have any questions, concerns, or requests regarding these Terms, please contact the Company:
Zemrato
348 Jurong East Ave 1, Block 348, Singapore 600348
Phone: +65 6338 1032
Email: [email protected]
Website: zemrato.com