Draft — not reviewed by a lawyer yet. This is placeholder language for internal review, not a live legal agreement. Do not treat this as binding until it's been reviewed and formally published.
By using Zlora's negotiation service, you authorize Zlora, its automated systems, and any personnel acting on Zlora's behalf, to contact service providers, insurers, retailers, and other companies ("Providers") on your behalf for the purpose of negotiating pricing, terms, or conditions of service you currently receive or are considering. You confirm that you are the account holder, or are otherwise authorized to request changes to the account(s) you submit for negotiation.
Zlora will represent to Providers that it is acting as your authorized representative for this limited purpose. Zlora's authority under this section is limited to negotiation communications. Any change to your account, service, or pricing resulting from a negotiation requires your review and approval before it is considered final, except where you have specifically enabled autonomous mode for a given negotiation.
Zlora charges a percentage of realized savings on successful negotiations. If a negotiation results in accepting an offer that is not actually lower than what you were paying (for example, switching providers for reasons other than price), a flat $10 fee applies instead. No fee applies if a negotiation does not result in an accepted offer at all.
Savings are calculated as the difference between your prior monthly rate and the accepted offer's monthly rate, projected over twelve months — a one-time calculation made at the moment you accept, not an ongoing measurement. This applies regardless of a Provider's actual contract term (for example, a 6-month insurance policy is still calculated on a 12-month basis) and regardless of any price change a Provider makes after that point, including at renewal. Zlora is not responsible for a Provider raising rates, changing terms, or discontinuing the negotiated rate at any point after you've accepted — the fee reflects the rate you agreed to at acceptance, not what you may end up actually paying over time.
The fee is not charged the moment you accept an offer. It is charged once you confirm the switch actually took effect, or automatically after a short window if you haven't reported a problem by then. If the deal falls through after the fee is charged, you may request a refund within a grace period — the length of which varies by category and is shown to you in your account. Refund requests are reviewed by a person, not approved automatically.
Zlora negotiates on your behalf and presents you with offers, but the decision to accept, decline, or cancel any service — and to actually follow through on switching providers — is yours alone. Zlora is not a party to the service agreement between you and any Provider, is not responsible for a Provider's performance, pricing accuracy, or fulfillment of a negotiated offer once accepted, and does not guarantee that any specific outcome, savings amount, or service quality will result from using Zlora. You are responsible for reviewing any offer before accepting it and for taking any steps required on your end to actually complete a switch (for example, cancelling a prior provider, if applicable).
[DRAFT — needs a lawyer's judgment on specific caps and carve-outs before this is final; see docs/legal-draft-for-review.md section 2c.] To the fullest extent permitted by law, Zlora's total liability to you for any claim arising from your use of the service is limited to the fees you actually paid to Zlora in the twelve months before the claim arose. Zlora is not liable for indirect, incidental, or consequential damages, including lost savings, lost time, or damages caused by a Provider's own acts or omissions. Nothing in this section limits liability that cannot be limited under applicable law.
[DRAFT — needs a lawyer's judgment; see docs/legal-draft-for-review.md section 2i.] Zlora does not guarantee that the service will be available at all times, free of interruption, or free of errors. Zlora relies on third-party infrastructure (including email delivery, payment processing, and hosting providers) that Zlora does not control, and is not responsible for outages, delays, or failures originating from those providers. Zlora takes reasonable steps to verify that messages sent on your behalf reach the intended Provider and that replies are correctly matched back to your negotiation, but does not guarantee that every message will be delivered, received, read, or responded to, or that a message will never be misdirected due to inaccurate contact information Zlora obtained from a Provider or a public source.
You may delete your account at any time from Settings, except while a negotiation is actively in progress (finish or withdraw it first). Deleting your account removes your personal information — name, email, zip code, and saved payment method — from our active systems. Records of past negotiations and payments are retained in de-identified form for accounting, fraud-prevention, and dispute records, as described in our Privacy Policy. Zlora may also suspend or terminate an account for fraud, abuse, or non-payment of fees.
A complete Terms & Conditions also needs sections on dispute
resolution, indemnification, and more — none of which are drafted
yet. See
docs/legal-draft-for-review.md in the project repo for
the full set of open questions flagged for legal review.