Terms of Use

1. Agreement and eligibility

By visiting the service, creating an account, accepting these Terms, purchasing access, submitting content, or otherwise using Zorio, you agree to these Terms and the Privacy Notice. You must be at least 18 and legally able to enter a binding contract. If you use Zorio for an organization, you represent that you can bind it. If you do not agree, do not use the service.

2. Accounts, identity, and access

Member data requires authentication through Sign in with ChatGPT or another method Zorio may approve. When you begin or complete sign-up, Zorio may save the stable account identifier, name and email supplied by the authentication provider, sign-up source, first and last activity dates, legal-acceptance records, communications preferences, and account status. You must provide accurate information, safeguard access to your authentication account, and promptly notify us of suspected misuse. Access is personal unless a team plan says otherwise. We may require reauthentication, updated acceptance, or identity verification. We may refuse, limit, suspend, or terminate access to protect Zorio, users, data providers, property owners, or the public.

3. The service and permitted purpose

Zorio collects, aggregates, organizes, geocodes, compares, and analyzes public, government, licensed, user-submitted, and third-party information to help users screen possible property-related opportunities. Features may include maps, filters, alerts, sale and rental listing boards, rankings, estimated service value, recertification timing, code or permit signals, zoning indicators, property characteristics, transfer records, assessments, tax amounts, recorded mortgage information, rent context, nearby public schools, area-level age, income, housing-tenure and education statistics, reports, and professional-resource links. A source labeled as area-level context does not describe a property's occupants. Zorio is not an MLS and does not claim access to an MLS, Zillow, or another proprietary feed unless the particular source is expressly identified. Features, markets, sources, and methods may change or be discontinued at any time.

4. Data limitations and required verification

Source records can be delayed, incomplete, duplicated, withdrawn, changed without notice, incorrectly matched, or misinterpreted. Addresses, parcel boundaries, ownership, deadlines, case status, zoning, permit status, building age, valuations, and other fields may be inaccurate. A score or label is an analytical output, not an official determination. Before contacting anyone or making a decision, you must verify relevant information directly with the originating agency, title records, the owner, and appropriately licensed professionals.

Zorio provides real estate data, estimates, analytics, and opportunity signals for informational and research purposes only. Information may be incomplete, delayed, estimated, modeled, or inaccurate and should not be relied upon as a substitute for independent verification, professional advice, or due diligence. Zorio does not guarantee the accuracy, completeness, availability, or future performance of any property, investment, zoning, permit, violation, valuation, ROI, rental, or market information. Preliminary zoning analysis only. Development rights depend on current law, parcel-specific conditions, overlays, easements, setbacks, parking, environmental restrictions, approvals, interpretations, and other requirements. Confirm all development rights with the applicable municipality and qualified professionals before acquisition or development.

Zorio relies on information from government agencies, data vendors, public records, listing providers, users, and other third parties. Zorio does not control the creation or maintenance of third-party data and is not responsible for errors, omissions, delays, interruptions, outdated records, incorrect classifications, or discrepancies originating from those sources. Source attribution does not imply endorsement by the source.

5. No professional, fiduciary, or agency relationship

Zorio does not act as your broker, dealer, investment adviser, lender, insurer, attorney, accountant, appraiser, architect, engineer, contractor, property manager, fiduciary, partner, joint venturer, or agent. No content creates a professional-client relationship. Zorio does not recommend that you buy, sell, hold, finance, lease, renovate, develop, or provide services to any property.

6. Automated analysis and forecasts

Scores, confidence tiers, estimated economics, emerging-trend indicators, and recommended next steps may use rules, statistical methods, or artificial intelligence. Outputs are probabilistic and may contain errors or fabricated inferences. Similar inputs can produce different results. You may not present a Zorio output as an official government record, guaranteed outcome, professional opinion, credit decision, appraisal, or verified fact.

Investment estimates, income and appreciation

Estimates and predictions can be wrong. Market trends are unpredictable; actual income, prices, returns and future values may differ materially, and you may lose money. These estimates are not financial, investment, legal or appraisal advice. To the fullest extent permitted by law, Zorio accepts no legal or financial responsibility for differences between estimates and actual outcomes or for decisions based on them. Verify assumptions independently. Nothing excludes liability that cannot lawfully be excluded.

Annual ROI means estimated annual net cash income divided by cash invested; it does not include property appreciation. Future-value scenarios compound the stated annual appreciation assumption over the selected period. User-entered budgets, income assumptions, growth rates and targets are hypothetical inputs, not verified property forecasts. A target return does not establish an expected return. Sourced financial estimates, when available, retain their source and date. Missing financial data is not treated as zero or replaced by an opportunity score. Unless expressly included, appreciation scenarios exclude rental income, financing, acquisition and selling costs, repairs, improvements, inflation and taxes. Estimates do not guarantee occupancy, resale prices, financing, entitlement approvals, liquidity or profitability. You may lose some or all invested capital. Independently verify property-specific cash flows, expenses, valuation and risks with qualified professionals before acting.

Neighborhood screening may combine dated recorded-sale aggregates with municipal zoning applications, existing zoning and project records. A project application is not an approval or proof of construction. Historical neighborhood price trends may be extrapolated only where the displayed data-quality checks pass. Such extrapolations are not validated estimates of the causal price impact of a rezoning or development, and medians can change because different properties sell. Geographic joins, source dates, sample sizes and model limitations are shown with results. Historical prices are not current market quotations. Rental-income ROI is withheld when current rent and expense evidence is insufficient.

7. Lawful outreach and fair-housing compliance

You are solely responsible for any outreach based on Zorio information. You must comply with privacy, telemarketing, text-message, email, do-not-call, fair-housing, anti-discrimination, licensing, solicitation, and consumer-protection laws. Do not harass, threaten, deceive, pressure, discriminate against, or repeatedly contact a person who asks you to stop. Property or area-level socioeconomic data may not be used to infer an individual's protected characteristics, profile occupants, steer housing choices, target or exclude people discriminatorily, or determine eligibility for housing, employment, credit, insurance, or another legally regulated decision.

8. Acceptable use

You may not: access Zorio unlawfully; evade authentication or usage controls; scrape, crawl, bulk-download, mirror, resell, sublicense, or create a competing database from the service; reverse engineer or interfere with the service; introduce malware; use automated means except an expressly authorized interface; test security without written permission; impersonate others; submit false listings; infringe rights; or use Zorio for surveillance, discrimination, fraud, spam, or any unlawful purpose. Reasonable manual use for internal property screening is permitted during authorized access.

9. Property and marketplace submissions

If you submit a property for rent or sale, or submit a message, document, correction, or other content, you represent that it is accurate, lawful, non-confidential, and that you have all rights and authority needed to submit and authorize its display. You grant Zorio a worldwide, nonexclusive, royalty-free license to host, reproduce, format, moderate, analyze, and display that content to operate and improve the service. Zorio may reject, edit, de-list, or retain records of submissions. Zorio is not a broker, property manager, landlord, seller, or party to user transactions and does not verify title, authority, condition, price, rent, lease terms, or availability.

10. Third-party services and professionals

Links, maps, payment processors, authentication providers, public agencies, professionals, data vendors, and other services are controlled by third parties and have separate terms. Zorio does not endorse or control them and is not responsible for their availability, accuracy, security, advice, licensing, acts, or omissions. Independently investigate credentials, insurance, conflicts, scope, and fees.

11. Plans, trials, purchases, and taxes

Zorio may display planned prices and a prelaunch payment terminal before payment collection is enabled. A plan selection, access request, or visit to that terminal does not authorize a charge. Zorio will request payment authorization only after a verified processor is connected and checkout clearly displays the final amount, billing frequency, included features, trial terms, renewal terms, cancellation method, refund terms, and applicable taxes. When live charging is enabled, you authorize the processor to charge only the method and amount you expressly approve. Unless stated otherwise at checkout, subscriptions renew automatically until canceled before the next billing date. Cancellation stops future renewal and ordinarily does not refund the current period. One-time reports and digital access may become nonrefundable once delivered or accessed, except where law requires otherwise. Promotional access can end or change. See the Refund & Cancellation Policy.

12. Zorio Credits

Any Zorio Credits are closed-loop credits redeemable only for eligible Zorio services. They are not deposits, bank accounts, securities, investments, stored-value cash, or government-insured funds; do not earn interest; are non-transferable; and cannot be withdrawn for cash except where required by law. Additional expiration and refund terms will be disclosed before purchase.

13. Intellectual property and limited license

Zorio and its licensors own the service, software, selection and organization of data, scoring methods, design, trademarks, reports, and original content, excluding source records and user content owned by others. Subject to these Terms, Zorio grants you a limited, revocable, nonexclusive, nontransferable license to use the service internally for its intended purpose. No other rights are granted. Feedback may be used without restriction or compensation.

14. Privacy and measurement

To operate, secure, and improve the service, Zorio measures visits, acquisition source, viewed pages or screens, session duration, device and approximate geographic region, account conversion, filters, search terms, markets, property addresses and reports viewed, saved items, and similar product activity. These measurements may be linked to an account after sign-in and used in aggregated performance reporting for investors and business partners. Approved administrator identities are excluded from customer-performance reporting. Investors receive aggregated or de-identified performance information rather than Zorio's customer contact list. See the Privacy Notice for details and choices. Zorio does not intentionally store full IP addresses in its product analytics tables.

15. Email communications and promotional offers

Zorio may use your account email to send service, security, legal, support, and requested-alert messages. If you separately opt in, Zorio and affiliated businesses, including Polar Contractors, may also send product news and promotional offers relevant to real estate, property compliance, recertification, construction, remediation, and related professional services. Marketing emails will identify the sender, use accurate routing and subject information, include a valid postal address and a clear unsubscribe method, and honor valid opt-out requests within the period required by law. You can withdraw marketing consent through your member preferences or the method provided in an email without losing member access; operational or legally required messages may continue. Zorio does not authorize unrelated third parties to use the customer contact list for their own direct marketing without additional notice or consent. Marketing calls or text messages require separate consent where required and are not authorized merely by accepting these Terms.

16. Confidentiality and exports

Member-only data and reports may contain proprietary organization and analysis. You must protect them from unauthorized disclosure and may share them only as permitted by your plan and applicable law. Exports are provided for your internal use; they do not transfer database, source, or redistribution rights.

17. Availability, changes, and beta features

Zorio may be interrupted, delayed, insecure, unavailable, or changed. Beta or preview features are provided for evaluation and may fail or disappear. We may impose limits, update sources, correct outputs, or remove content without notice. You are responsible for maintaining copies of information you need and for business continuity.

18. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZORIO IS PROVIDED “AS IS” AND “AS AVAILABLE.” ZORIO AND ITS OWNERS, AFFILIATES, CONTRACTORS, LICENSORS, AND DATA PROVIDERS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING ACCURACY, COMPLETENESS, TIMELINESS, TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SECURITY, AVAILABILITY, AND RESULTS. NO ORAL OR WRITTEN INFORMATION CREATES A WARRANTY.

19. Liability and dispute provisions

Limitation of liability, indemnification, arbitration, class-action waiver, governing law, and venue provisions require attorney-approved language. No specific monetary cap, arbitration agreement, class waiver, or exclusive venue is imposed by this version of the Terms. Applicable law governs any dispute.

20. Copyright and rights complaints

Send copyright, privacy, or other rights complaints to support@zorio.ai with your contact information, the material or location at issue, the basis for your claim, and a statement that the information is accurate. We may remove material and terminate repeat infringers where appropriate.

21. Suspension and termination

You may stop using Zorio at any time. Zorio may suspend or terminate access for breach, risk, nonpayment, legal requirements, data-provider restrictions, or discontinuation. Provisions that by their nature should survive will survive, including ownership, data limitations, and accrued payment obligations.

22. Changes, notices, and general terms

Zorio may update these Terms. Material changes may require renewed acceptance. Notices may be provided in-product, by email, or on the service. You may not assign these Terms without consent; Zorio may assign them in connection with financing, reorganization, or transfer of the business. Failure to enforce is not a waiver. If a provision is unenforceable, it will be narrowed and the rest remains effective. These Terms and incorporated notices are the entire agreement concerning the service.

23. Contact

Questions, legal notices, privacy requests, and support: support@zorio.ai.