Terms of Service

These Terms of Service (“Terms”) govern your access to and use of Zarlo, including the website located at zarlo.net and all related services (collectively, the “Platform”). The Platform is operated by Zarlo ([ZARLO LLC — LEGAL NAME PENDING FORMATION], “Zarlo,” “we,” “us,” or “our”). By creating an account or otherwise using the Platform, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

These Terms include our Privacy Policy, Cookie Policy, Billing & Refund Policy, Review & Content Guidelines, and Copyright & DMCA Policy, each of which forms part of this agreement.

1. What Zarlo Is

Zarlo is an editorial SaaS directory. It combines (a) a curated directory of business software listings and (b) original editorial articles, reviews, and comparisons written by Zarlo's editorial team. Zarlo is informational and editorial in nature. Zarlo is not a marketplace, broker, reseller, or party to any transaction between a Consumer and a Business Owner, and does not process purchases of any listed product or service on behalf of either party.

No pay-to-rank. Subscription fees pay for access or a listing — nothing else. Payment does not buy a higher position, a better review, a “verified” status, or favorable editorial coverage.

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to create an account. By using the Platform, you represent that you meet this requirement and that all information you provide during registration is accurate and current. You may not use the Platform if you are barred from receiving it under applicable law, including trade sanctions.

3. Accounts and Roles

Zarlo offers two paid account types, referred to throughout these Terms as roles:

• Consumer — access to the full directory, editorial articles, and the ability to save tools and submit reviews.
• Business Owner — the ability to submit and manage a business listing in the directory, view listing analytics, and reply to reviews left on that listing.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Each account is for one person; you may not share, sell, or transfer access. Your name is set once at signup and is not editable in account settings — contact us if it needs correcting. Notify us immediately at support@zarlo.net if you suspect unauthorized use of your account.

4. Subscriptions and Billing

Zarlo does not offer a free tier. Access requires an active paid subscription, billed in advance (monthly or annually) and processed by our third-party payment processor, Stripe. Current prices are shown on our Pricing page and at checkout, before you pay.

Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. You may cancel at any time from your account settings; cancellation takes effect at the end of the current billing period, and you keep access until then. Payments are generally non-refundable, but Zarlo may issue refunds or credits at its discretion, as described in our Billing & Refund Policy, and will provide refunds where required by applicable law.

If a payment fails, Zarlo may restrict access to the Platform, or hide a listing, until it is resolved. Prices are subject to change with reasonable advance notice before your next renewal. Prices may not include applicable taxes, which are added at checkout where required.

If a Business Owner subscription lapses or is cancelled, the associated listing will be removed from the public directory at the end of the current billing period, as described further in Section 5. It is restored if the subscription is reactivated, provided the listing still complies with these Terms.

5. Business Listings

Business Owners may submit a listing for review. Zarlo reviews all submissions before publication and reserves full editorial discretion to approve, reject, edit, feature, unfeature, suspend, or remove any listing at any time, including listings that are already live, for any reason including but not limited to inaccurate claims, policy violations, or failure to maintain an active subscription. Approval of a listing is not an endorsement of the underlying product by Zarlo.

Business Owners represent that all information submitted about their product — including pricing, features, and company details — is accurate and that they have the authority to submit and manage a listing on behalf of the business described. Website links must be http or https addresses that lead to the business itself.

Editing an approved listing may return it to pending review before the changes are published. A “verified” label reflects Zarlo's review process at a point in time and is not a guarantee of quality or an endorsement.

Business Owners may reply to reviews on their listing and flag reviews that violate our Review & Content Guidelines. Business Owners may not edit or delete a Consumer's review, and may not pressure, reward, or retaliate against reviewers.

6. Reviews and User Content

Consumers may submit reviews of listed products. Reviews must reflect the reviewer's genuine, first-hand experience. You may not submit fake, incentivized, duplicate, or misleading reviews, and Business Owners may not submit or solicit reviews of their own listing or manipulate reviews of a competitor's listing. Reviews are displayed with the reviewer's first name only.

By submitting a review or any other content to the Platform (“User Content”), you grant Zarlo a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, reproduce, display, and distribute that content in connection with operating and promoting the Platform. You retain ownership of your User Content, and you confirm that you have the right to submit it.

Zarlo is not required to monitor User Content, but may remove or edit any User Content that violates these Terms or our Review & Content Guidelines at its discretion.

7. Editorial Content

Articles, comparisons, and reviews published by Zarlo's editorial team reflect the independent opinion of Zarlo and its writers at the time of publication. A listing or subscription does not guarantee that Zarlo will cover, review, or favorably describe a product. Editorial content is provided for general informational purposes only and does not constitute professional, financial, or legal advice, and should not be the sole basis for any purchasing decision. Zarlo does not guarantee the accuracy, completeness, or current relevance of any editorial content, and pricing or feature information for third-party products may change without notice.

8. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable law;
• Attempt to gain unauthorized access to any account, system, or data not belonging to you;
• Scrape, harvest, or bulk-extract data from the Platform without Zarlo's prior written consent, or use the Platform's content to train machine-learning models;
• Submit false, misleading, defamatory, or fraudulent content of any kind;
• Impersonate any person or business, or misstate your affiliation with one;
• Harass, threaten, or abuse other users;
• Circumvent rate limits, authentication, or other security measures;
• Share, resell, or sublicense your account access;
• Interfere with or disrupt the integrity or performance of the Platform; or
• Use the Platform to build a directly competing product using data obtained from Zarlo.

9. Intellectual Property

The Platform, including its editorial content, design, logos, and underlying software, is owned by Zarlo or its licensors and is protected by intellectual property laws. While you have an active subscription, Zarlo grants you a limited, non-exclusive, non-transferable license to use the Platform for your own personal or internal business purposes. No other rights are granted to you in Zarlo's intellectual property. If you send Zarlo feedback or suggestions, Zarlo may use them without obligation to you.

If you believe content on the Platform infringes your copyright, follow the process in our Copyright & DMCA Policy.

10. Third-Party Services and Links

Listed businesses are independent of Zarlo. Links to their websites, and to services such as Stripe, are provided for convenience. Zarlo is not responsible for third-party content, products, or practices, and your dealings with them are governed by their own terms.

11. Disclaimers

The Platform is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Zarlo does not warrant that the Platform will be uninterrupted, error-free, or secure, or that any listing, review, or editorial content is accurate or complete.

Reviews are the opinions of their authors. Zarlo applies verification and moderation processes but does not guarantee that any review is accurate. Nothing on the Platform is legal, financial, or other professional advice.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Zarlo and its officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or data, arising from your use of the Platform. Zarlo's total aggregate liability for any claim arising from these Terms or the Platform will not exceed the greater of the amount you paid to Zarlo in the twelve (12) months preceding the claim or US$100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including liability for fraud or for death or personal injury caused by negligence, or any mandatory consumer rights you have where you live.

13. Indemnification

To the extent permitted by law, you agree to indemnify and hold Zarlo harmless from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Platform, your User Content, or your violation of these Terms.

14. Termination

You may terminate your account at any time through your account settings. Zarlo may suspend or terminate your account, or remove content, for violation of these Terms, non-payment, suspected fraudulent or harmful activity, or where required by law. Where reasonable, we will tell you why; if you believe we made a mistake, contact support@zarlo.net.

When an account ends, your access ends and any listing is removed. Any refund is handled under our Billing & Refund Policy or as required by law. Sections of these Terms that by their nature should survive termination (including Sections 6, 9, 11, 12, 13, and 15) will survive.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.

Talk to us first. Before starting a formal proceeding, send a written description of the dispute to support@zarlo.net and give Zarlo 30 days to try to resolve it.

If the dispute is not resolved, it will be subject to the exclusive jurisdiction of the state and federal courts located in Texas, and you and Zarlo consent to their jurisdiction and venue. Either party may bring an eligible claim in small-claims court.

If you are a consumer, nothing in this section removes mandatory consumer-protection rights, or a right to bring a claim in the courts of your home country, that you have under the law where you live.

16. Changes to These Terms

Zarlo may update these Terms from time to time. Material changes will be communicated by posting an updated version on this page with a revised “Last updated” date and, at least 30 days before they take effect, by additional notice such as email. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms. If you do not agree, cancel before the changes take effect.

17. General Terms

• Entire agreement. These Terms and the documents they reference are the complete agreement between you and Zarlo about the Platform.
• Severability and waiver. If a provision is unenforceable, the rest remains in effect. Not enforcing a provision is not a waiver of it.
• Assignment. You may not assign these Terms without Zarlo's consent. Zarlo may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control.
• Notices. Zarlo may give notices by email to your account address or by posting on the Platform.

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