Terms of Service — Zaldo
These Terms of Service ("Terms") govern your access to and use of Zaldo (the "Service"), operated by Jaguar Hosting LLC ("Jaguar Hosting," "we," "us," or "our"). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. The Service
Zaldo is a personal expense-tracking tool that helps you organize and understand your spending. Zaldo can read the transaction notification emails your bank sends you (through an optional Google Workspace add-on you install and authorize) and turn them into organized transaction records, and it also lets you add and manage transactions, categories, rules, spending limits, and reports manually.
Zaldo is an informational and organizational tool. It is not a bank, financial institution, financial advisor, accountant, or tax advisor, and it does not provide financial, investment, legal, or tax advice.
2. Eligibility and accounts
- You must be at least 18 years old to use Zaldo.
- You are responsible for the information you provide and for maintaining the security of your account, including the email account used to access Zaldo.
- You are responsible for all activity that occurs under your account.
- You agree to provide accurate information and to keep it up to date.
3. The Gmail add-on and Google data
If you choose to install the Zaldo Gmail add-on, you authorize Zaldo to access the specific bank notification email you open in order to detect and extract transaction details. Our access to and use of Google user data is described in our Privacy Policy and adheres to the Google API Services User Data Policy, including the Limited Use requirements.
You may revoke Zaldo's access to your Gmail at any time through your Google Account settings. Installing and using the add-on is optional; you can use Zaldo's manual features without it.
4. Plans, subscriptions, and billing
4.1 Plans
Zaldo offers a free plan and a paid "Pro" plan. The features and limits of each plan are described within the Service and may change over time. We will make reasonable efforts to communicate material changes.
4.2 Free trial
The Pro plan may be offered with a free trial period (for example, 7 days). If you do not cancel before the trial ends, you will be charged for the plan you selected at the price shown at checkout. You may cancel at any time before the trial ends to avoid being charged.
4.3 Billing
Paid subscriptions are billed in advance on a recurring basis (monthly or annually, depending on the plan you choose) through our payment processor, Stripe. By subscribing, you authorize us (via Stripe) to charge your payment method on a recurring basis until you cancel.
4.4 Price changes
We may change subscription prices. If we do, we will give you reasonable advance notice, and any price change will apply to billing periods after the notice.
4.5 Cancellation
You may cancel your subscription at any time through the Service or the Stripe customer portal. Cancellation takes effect at the end of your current billing period. After cancellation, your account reverts to the free plan and you retain your data, subject to the limits of the free plan. See our Refund & Cancellation Policy for details.
4.6 Taxes
You are responsible for any applicable taxes associated with your purchase, except for taxes based on our net income.
5. Acceptable use
You agree not to:
- Use the Service for any unlawful, fraudulent, or abusive purpose.
- Attempt to gain unauthorized access to the Service, other accounts, or our systems.
- Interfere with or disrupt the integrity or performance of the Service.
- Reverse engineer, copy, or create derivative works of the Service except as permitted by law.
- Use the Service to violate the rights of others or any applicable law or regulation.
- Use automated means to access the Service in a manner that places unreasonable load on our infrastructure.
We may suspend or terminate your access if you violate these Terms or use the Service in a way that may cause harm to us, other users, or third parties.
6. Your data and content
You retain ownership of the data and content you submit to Zaldo. You grant us a limited license to store, process, and display that data solely to provide and improve the Service for you, as described in our Privacy Policy.
You are responsible for the accuracy of the data in your account. Because transaction detection from emails is automated, it may occasionally be incomplete or inaccurate; you are responsible for reviewing and correcting your records.
7. Service availability and changes
We strive to keep Zaldo available and reliable, but we do not guarantee that the Service will be uninterrupted, error-free, or secure. We may modify, suspend, or discontinue all or part of the Service at any time, and we may impose limits on certain features. Where reasonable, we will provide notice of significant changes.
8. Third-party services
Zaldo relies on third-party services, including Google, Stripe, Supabase, and others. Your use of those services through Zaldo may be subject to their own terms and privacy policies. We are not responsible for the practices of third-party services.
9. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
ZALDO DOES NOT PROVIDE FINANCIAL, INVESTMENT, ACCOUNTING, LEGAL, OR TAX ADVICE. ANY DECISIONS YOU MAKE BASED ON INFORMATION IN ZALDO ARE YOUR SOLE RESPONSIBILITY. WE DO NOT GUARANTEE THE ACCURACY OR COMPLETENESS OF AUTOMATICALLY DETECTED TRANSACTION DATA.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, JAGUAR HOSTING LLC AND ITS OWNERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM, OR (B) USD 50.
11. Indemnification
You agree to indemnify and hold harmless Jaguar Hosting LLC and its owners, employees, and suppliers from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.
12. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate your access to the Service if you violate these Terms or if necessary to protect the Service or other users. Upon termination, the provisions of these Terms that by their nature should survive (including Sections 9, 10, 11, and 13) will survive.
13. Governing law
These Terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-law principles, except where applicable consumer protection laws require otherwise. Any disputes will be subject to the exclusive jurisdiction of the courts located in Wyoming, unless applicable law requires otherwise.
14. Changes to these Terms
We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and, where appropriate, notify you through the Service or by email. Your continued use of Zaldo after the changes take effect constitutes acceptance of the updated Terms.
15. Contact
Questions about these Terms? Contact us at:
Jaguar Hosting LLC
1309 Coffeen Avenue, Sheridan, Wyoming, 82801, United States
support@mizaldo.com