Terms of Service

Last Updated: December 27, 2024

These Terms of Service ("Terms") govern your use of ZIGO (tryzigo.com). By using ZIGO, you agree to these Terms.

📋 Terms in Plain English

✓ ZIGO is free to use for personal, non-commercial purposes

✓ We provide credit card analysis "as is" - recommendations are educational, not financial advice

✓ You're responsible for verifying card details before applying

✓ Don't abuse the service or use it for illegal purposes

✓ We can update these terms - continued use means you accept changes

1. Acceptance of Terms

By accessing or using ZIGO, you agree to be bound by these Terms and our Privacy Policy. If you don't agree, please don't use ZIGO.

These Terms apply to all users of ZIGO, whether you're just browsing our guides or actively using the credit card analysis tool.

2. Description of Service

ZIGO provides:

  • • A client-side web application that analyses credit card and bank statement CSV files
  • • Personalized recommendations for credit cards based on your spending patterns
  • • Educational guides and content about credit cards, rewards, and personal finance
  • • Calculators and tools for comparing credit card benefits

Important Disclaimers:

  • • ZIGO is an informational tool, not a financial advisor
  • • Recommendations are based on mathematical calculations, not personalized financial advice
  • • We don't guarantee card approval or specific rewards amounts
  • • Card terms can change - always verify current offers with card issuers

3. User Responsibilities

When Using ZIGO, You Agree To:

  • • Use the service only for personal, non-commercial purposes
  • • Provide accurate information when using our tools
  • • Verify all credit card details independently before applying
  • • Not attempt to reverse engineer, scrape, or abuse our service
  • • Not use ZIGO for any illegal or unauthorized purpose
  • • Comply with all applicable laws and regulations

Prohibited Uses:

  • • Automated scraping or data collection from ZIGO
  • • Attempting to overwhelm our servers (DDoS attacks)
  • • Uploading malicious files or code
  • • Impersonating ZIGO or claiming affiliation without permission
  • • Redistributing our content without attribution
  • • Using ZIGO to provide commercial financial advisory services

4. Not Financial Advice

⚠️ CRITICAL DISCLAIMER

ZIGO provides educational information and analysis tools, NOT personalized financial advice. We are not financial advisors, and using ZIGO does not create a financial advisor-client relationship.

Our recommendations are based solely on mathematical calculations comparing your spending patterns to published credit card benefits. We don't consider:

  • • Your overall financial situation
  • • Your credit score or credit history
  • • Your ability to responsibly manage credit
  • • Other factors a financial advisor would consider

Before applying for any credit card:

  • • Verify current terms and conditions with the card issuer
  • • Ensure you can afford to pay off balances in full
  • • Check your credit score and eligibility
  • • Consider consulting a licensed financial advisor for personalized advice

5. Accuracy and Availability

Content Accuracy

We strive to keep ZIGO's information accurate and up-to-date, but:

  • • Credit card terms change frequently
  • • Card issuers may update benefits without notice
  • • Our guides reflect information as of their publication date
  • • We don't guarantee the accuracy of third-party information

Always verify current terms directly with card issuers before making decisions.

Service Availability

ZIGO is provided "as is" and "as available." We don't guarantee:

  • • Uninterrupted access to the service
  • • Error-free operation
  • • Compatibility with all browsers and devices
  • • Permanent availability of any feature

We may modify, suspend, or discontinue ZIGO (or any part) at any time without notice.

6. Affiliate Relationships

ZIGO participates in affiliate marketing programs. When you click on a credit card recommendation and apply, we may earn a commission from the card issuer if you're approved.

What This Means:

  • • Some links on ZIGO are affiliate links
  • • We earn commissions from approved applications
  • • This doesn't affect your rate, rewards, or approval odds
  • • You never pay extra for using our links
  • • Our recommendations remain based on your spending analysis

We're transparent about this business model. Read more in our About page.

7. Intellectual Property

Our Content

All content on ZIGO (guides, calculators, design, code, branding) is owned by ZIGO or licensed to us. This includes:

  • • Text, images, and graphics
  • • Software and source code
  • • ZIGO name and branding
  • • Analysis algorithms and methodologies

Your Rights

You may:

  • • Share links to ZIGO content
  • • Quote brief excerpts with attribution
  • • Use ZIGO for personal purposes

You may NOT:

  • • Republish our guides or content without permission
  • • Copy our analysis algorithms or source code
  • • Use ZIGO branding or imply endorsement
  • • Create derivative works or competing services using our content

8. Limitation of Liability

IMPORTANT LEGAL DISCLAIMER

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZIGO AND ITS OPERATORS ARE NOT LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

This includes, but is not limited to:

  • • Financial losses from credit card decisions
  • • Inaccurate recommendations or calculations
  • • Credit score impacts from card applications
  • • Service downtime or data loss
  • • Security breaches or privacy violations
  • • Any indirect, incidental, or consequential damages

You use ZIGO at your own risk. We provide information, but all credit decisions are your responsibility.

9. Indemnification

You agree to defend, indemnify, and hold harmless ZIGO and its operators from any claims, damages, or expenses (including legal fees) arising from:

  • • Your use or misuse of ZIGO
  • • Your violation of these Terms
  • • Your violation of any third-party rights
  • • Any content you submit or upload to ZIGO

10. Third-Party Links and Services

ZIGO contains links to third-party websites (credit card issuers, comparison sites, etc.). We're not responsible for:

  • • The content or practices of third-party sites
  • • The accuracy of information on linked sites
  • • Your interactions with third parties
  • • Third-party privacy policies or terms

When you click a link and leave ZIGO, you're subject to that site's terms and policies.

11. Changes to Terms

We may update these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date.

For significant changes, we'll provide notice through the website or email (if you're subscribed).

Continued use of ZIGO after changes means you accept the updated Terms. If you don't agree, stop using ZIGO.

12. Termination

We reserve the right to:

  • • Terminate or suspend your access to ZIGO
  • • Remove content that violates these Terms
  • • Modify or discontinue ZIGO at any time
  • • Block users who abuse the service

You can stop using ZIGO at any time. Since there's no account system, simply close the browser tab.

13. Governing Law

These Terms are governed by the laws of the United Kingdom. Any disputes will be resolved in UK courts.

If any provision of these Terms is found invalid, the remaining provisions remain in full effect.

14. Contact Us

Questions about these Terms? Contact us:

Email:

legal@tryzigo.com

General Contact:

Contact page

⚖️ Terms Summary

Use Responsibly

ZIGO is for personal use. Don't abuse the service or use it for commercial purposes without permission.

Not Financial Advice

We provide information and analysis, not personalized financial advice. Verify everything before making decisions.

No Guarantees

ZIGO is provided "as is." We don't guarantee accuracy, availability, or specific results.

Your Risk

You use ZIGO at your own risk. We're not liable for financial losses or credit decisions.

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