Terms & Conditions

1. Acceptance of Terms

By creating a Zerko account or using the Zerko web portal, admin console, or mobile app, you agree to these Terms & Conditions. If you're signing up on behalf of a business, you confirm you have authority to bind that business to these terms.

2. Description of Service

Zerko is an AI operating system for businesses: it connects WhatsApp, Instagram, Facebook, email, and website chat, uses an AI assistant ("Otto") to read and reply to customer messages, and provides CRM, sales, invoicing, hiring, and reporting tools. Features available to your account depend on your subscription plan.

3. Accounts

• You must provide accurate business and contact information when signing up.
• You're responsible for keeping your login credentials and connected channel access secure.
• Account owners/admins control team member access and permissions within their business.
• You must be legally able to enter into a contract to create an account.

4. Subscriptions, Billing & Payments

• Monthly plans auto-renew and grant a monthly message allowance; prepaid message bundles can be purchased at any time on top of an active plan.
• Payments are processed via our mobile-money payment partner, Snippe. A failed or reversed payment may suspend paid features until resolved.
• Connecting more numbers/accounts than your plan includes incurs an additional monthly fee per extra number, shown to you before you confirm the connection.
• Prices, plan features, and included allowances may change; we'll show you current pricing before you subscribe or renew.
• Unless required by applicable law, fees already paid are non-refundable. Please review our No Refund Policy before purchasing.

No-refund terms: subscriptions, prepaid message bundles, additional connected-account fees, usage-based messaging charges, and third-party channel costs are final once successfully applied or incurred. Cancelling prevents future renewals but does not refund the current billing period. We will review duplicate charges, incorrect amounts, purchases that were not credited because of a verified Zerko error, and any remedy required by applicable law. The complete rules are in our No Refund Policy, which forms part of these Terms.

5. Acceptable Use

You agree not to use Zerko to:

• Send spam, unsolicited bulk messages, or content that violates WhatsApp's, Meta's, or any connected platform's own policies.
• Send illegal, fraudulent, deceptive, or harassing content to customers.
• Attempt to disrupt, reverse-engineer, or gain unauthorized access to Zerko or connected provider systems.
• Use Zerko to process data you don't have the right to collect or share.

We may suspend or terminate accounts that violate this section or that cause a connected channel (e.g. a WhatsApp number) to be restricted or banned by its provider.

6. AI-Generated Content

Otto drafts and, depending on your settings, automatically sends replies to your customers using AI. AI-generated replies may occasionally be inaccurate or inappropriate. You can configure Otto to require human review before sending, and you can take over any conversation manually at any time. You are responsible for reviewing and configuring Otto's behavior in a way that's appropriate for your business, and for any message ultimately sent from your account.

7. Third-Party Channels

Connecting WhatsApp, Instagram, Facebook, or other channels means your use is also governed by that platform's own terms and policies (e.g. Meta's WhatsApp Business Policy). Zerko is not responsible for outages, policy changes, account restrictions, or fee changes made by those third-party platforms.

8. Intellectual Property

Zerko, its branding, and its software are owned by ForgeLabs. Your business retains ownership of the data you input (contacts, products, invoices, conversation content). You grant us a license to process that data solely to provide the Zerko service to you.

9. Termination

You may stop using Zerko and request account deletion at any time (see our Account Deletion page). We may suspend or terminate accounts that violate these terms, with notice where reasonably possible.

10. Disclaimers & Limitation of Liability

Zerko is provided "as is" without warranties of any kind. To the maximum extent permitted by law, ForgeLabs is not liable for indirect, incidental, or consequential damages arising from your use of Zerko, including message delivery failures, third-party platform outages, or AI-generated content.

11. Changes to These Terms

We may update these terms from time to time. We'll update the "Last updated" date above, and material changes will be communicated in the app or by email. Continued use of Zerko after a change means you accept the updated terms.

12. Contact

Questions about these terms? Email [email protected].