Terms

Terms of service.

Last updated 2026-07-02 · Version 1.0

These Terms of Service ("Terms") are a legally binding agreement between you and ZephyrHQ, Inc., a Delaware corporation ("ZephyrHQ," "we," "our," or "us"). They govern your access to and use of our website, web application, mobile applications, browser extension, and related services (collectively, the "Services").

Please read these Terms carefully. By accessing or using the Services, you agree to be bound by them, along with our Privacy Policy. If you do not agree, you may not use the Services.

1. Eligibility

1.1 Minimum age. You must be at least 18 years old to use the Services. By using the Services, you represent that you meet this requirement.

1.2 Legal capacity. You must have the legal capacity to enter into a binding contract in your jurisdiction. If you do not, you may not use the Services.

1.3 Personal use. The Services are designed for individuals managing their own personal accounts, mail, and finances. If you use the Services on behalf of another person or an entity, you represent that you are authorized to do so and to bind them to these Terms.

1.4 Compliance with laws. You may not use the Services if you are barred under applicable law or subject to government sanctions. You are responsible for ensuring that your use of the Services complies with all laws, rules, and regulations that apply to you.

2. The Services

2.1 Overview. ZephyrHQ builds an organized view of the accounts you hold — credit cards, memberships, carriers, insurers, and others — and surfaces the benefits, credits, coverage, and protections those accounts already provide. If you connect an email inbox, the Services also extract structured records from your mail (such as trips and events, purchases, bills, promotions, reading, and personal correspondence) and monitor for the limited set of events that require your attention.

2.2 Surfaces. The Services are available through a web application, an iOS application, and a Chrome browser extension. Features differ by surface, and not every feature is available everywhere.

2.3 Service changes. We may improve, enhance, or modify the Services over time. We may also remove or discontinue features. We will make reasonable efforts to provide notice of material changes, but we are not obligated to maintain any particular feature or functionality.

2.4 Beta features. From time to time, we may offer features labeled "beta," "preview," "early access," or similar. Beta features may not be as reliable or available as other parts of the Services, and your use of them is at your own risk.

2.5 No guarantee of availability. We do not guarantee that the Services, or any part of them, will always be available, uninterrupted, or error-free. Downtime may occur for maintenance, technical issues, or for reasons outside our control.

3. Informational Service — Not Professional Advice

3.1 Benefit and coverage information is informational. The Services describe benefits, credits, coverage, and protections associated with cards, memberships, and other accounts based on publicly available documentation published by the issuer or provider, and on the answers you give us. That information may be incomplete, out of date, or inapplicable to your specific account, tier, or circumstances. The issuer's or provider's own current terms always control. Before relying on any benefit — booking travel against a credit, making a purchase for the protection, or filing a claim — verify it with the issuer or provider directly. We link to their posted terms where possible so you can verify directly.

3.2 Not financial, legal, insurance, or tax advice. The Services do not provide financial, investment, legal, insurance, medical, or tax advice, and nothing in the Services creates a fiduciary, advisory, attorney-client, or similar professional relationship. Information about disputing a charge, appealing a denial, passenger rights, policy coverage, or similar topics is general information, not advice about your specific situation. For decisions that matter, consult a qualified professional.

3.3 No guarantee of savings or outcomes. We do not guarantee that you will save money, receive any credit or benefit, win any dispute or appeal, or achieve any particular outcome by using the Services.

3.4 Third-party determinations are not ours. Whether an issuer honors a benefit, a merchant grants a refund, an airline rebooks you, or an insurer covers a claim is decided by that third party under its own terms. We have no control over, and no responsibility for, those determinations.

4. Alerts and Monitoring — No Duty to Detect or Notify

The Services are designed to surface time-sensitive items — flight changes, closing return windows, failed autopays, anomalous bills, refund denials. These features depend on the content and timing of the mail that reaches your connected inbox, on third-party systems, on AI-based classification that can make mistakes, and on notification delivery chains (including Apple's push infrastructure) that we do not control.

Accordingly: the Services are a convenience and not a substitute for your own attention. We do not warrant that any particular event will be detected, classified correctly, or surfaced to you in time to act — or at all. You remain responsible for monitoring your own accounts, bills, bookings, and deadlines. We will not be liable for a missed flight, an expired return window, a lapsed benefit, a late or unpaid bill, or any other consequence of an alert that did not arrive or arrived late.

5. Connected Accounts and Actions You Direct

5.1 Connecting Gmail and Calendar. When you connect a Google account, you authorize us to access it through Google's OAuth system as described in our Privacy Policy, including the Google Limited Use disclosure there. Our Gmail authorization is read-only on your mail content; we do not label, modify, delete, or send mail from your Gmail. (Organizing your Gmail in place — labeling or archiving — is a possible future add-on that would require additional permission and is not part of launch.) Calendar access is read-only. You can disconnect any account at any time, which revokes our access and removes what we extracted (see the Privacy Policy for timing). Gmail is the only email provider supported at launch; if we add others, the connection method and applicable terms may differ, and we will update these Terms and the Privacy Policy before supporting them.

5.2 Your authority. You represent that any inbox, calendar, or other account you connect is yours or one you are authorized to connect. Connecting an employer-administered account may be restricted by your employer's policies; that is between you and them.

5.3 Actions you direct on third-party services. Some features streamline actions on third-party services — pre-filling a merchant support chat with your order details, applying a held promotion code at a merchant checkout, deep-linking you into an issuer's benefit enrollment page, or adding an event to your calendar. These features act only at your direction, and the resulting transaction or enrollment is between you and the third party, governed by their terms. We are not a party to it.

5.4 Promotion codes. Promotion codes surfaced or auto-filled by the Services were sent to your inbox by the merchant. We do not generate, validate, or guarantee them. Whether a code applies, stacks, or is honored is the merchant's decision.

6. Accounts and Security

6.1 Account creation. You may create an account using Google sign-in or a passkey; we do not use passwords. You may optionally add an authenticator app (TOTP) as a second factor. You must provide accurate information and keep it up to date.

6.2 Security of credentials. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Notify us immediately at security@myzephyrhq.com if you suspect unauthorized use of your account.

6.3 Responsibility for activity. You are responsible for all actions taken under your account. If you share your credentials with others, you do so at your own risk.

6.4 Verification for sensitive actions. To protect your account, we may require a fresh sign-in or a second factor before certain actions — for example, deleting your account, changing the email you sign in with, removing a connected mailbox, or changing your security settings. Changing the email you sign in with will sign you out on all devices.

7. Your Content and Data

7.1 Ownership. You own your data. Your emails belong to you, and Gmail remains your permanent copy; we keep the source message only briefly, in encrypted storage (see the Privacy Policy), and retain the records we extract from it. Those records, the accounts you've added, and your answers to our questions remain yours.

7.2 License to ZephyrHQ. So that we can operate the Services, you grant ZephyrHQ a worldwide, non-exclusive, royalty-free license to access, process, store, transmit, and display the content and data described in our Privacy Policy — including processing and briefly storing the content of connected mail to extract structured records — solely to operate, provide, secure, and improve the Services. This license ends when the underlying data is deleted (see the Privacy Policy's retention terms).

7.3 What we will not do with it. We do not sell your personal information, we do not share it for advertising, and we do not use your personal data to train or fine-tune AI models — our own or a third party's. These commitments are described in the Privacy Policy and apply under these Terms as well.

7.4 De-identified data. We use limited de-identified, aggregated operational data to run and secure the Services, as described in the Privacy Policy. We do not use de-identified data to train or fine-tune AI models on your personal data.

7.5 Deletion. You can delete individual records, disconnect inboxes, or delete your entire account at any time. Deletion behavior — hard delete of live data, with backups aging out on our backup-retention window — is specified in the Privacy Policy.

8. Acceptable Use

8.1 Prohibited conduct. You agree not to use the Services in any way that:

8.2 Enforcement. We may investigate violations and take appropriate action, including suspending or terminating accounts and reporting illegal activity to authorities.

9. Plans, Subscriptions, and Billing

9.1 Plans. The Services are offered in tiers — a base plan and one or more higher (advanced) plans. The base plan includes the core accounts-and-benefits view, email categories, browser-extension features, live calendar, and full account security; higher plans add capabilities such as longer history, additional connected inboxes, and assisted actions. Security and trust features are included in every plan. The features in each tier are described at the point of purchase and may change as the product evolves; if we materially reduce what your plan includes, we will give you reasonable notice.

9.2 Subscriptions. Paid plans require a subscription. Prices, billing periods, and included features are presented at the point of purchase. Unless stated otherwise there:

9.3 Purchases through app stores. Subscriptions purchased through the Apple App Store are processed by Apple and additionally governed by Apple's terms; billing, cancellation, and refunds for those purchases are handled through Apple.

9.4 Taxes. Stated prices exclude applicable taxes unless we say otherwise; you are responsible for any taxes we are required to collect.

10. Intellectual Property

10.1 Our rights. The Services — including software, technology, designs, the benefits catalog and rules engine, text, graphics, and other content provided by ZephyrHQ — are the exclusive property of ZephyrHQ and its licensors. Benefit descriptions in our catalog are derived from public documentation, but the structured catalog, its organization, and the Services' analysis are ours.

10.2 Limited license to you. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal use.

10.3 Restrictions. Except as expressly permitted, you may not copy, modify, distribute, sell, or lease any part of the Services without our prior written consent.

10.4 Trademarks. "ZephyrHQ" and our logos are our trademarks. Third-party names appearing in the Services (card issuers, airlines, merchants) are the trademarks of their owners; their appearance does not imply any affiliation with or endorsement by them — see §11.2.

10.5 Feedback. If you provide feedback or suggestions about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use that feedback for any purpose without obligation to you.

11. Third-Party Services

11.1 Integrations. The Services interoperate with third-party services you choose to connect (Google) and link out to many others (issuers, airlines, merchants, utilities). Your use of any third-party service is governed by that party's terms and privacy policy, not ours.

11.2 No affiliation or endorsement. ZephyrHQ is an independent product. We are not affiliated with, endorsed by, or sponsored by Google, Apple, any card issuer, bank, airline, hotel, insurer, merchant, or other company whose accounts or benefits appear in the Services, unless we expressly say otherwise.

11.3 Service providers. We use third-party companies to help operate the Services — hosting, security, payments, and AI processing — as described in the Privacy Policy. They process information on our behalf, on our instructions.

11.4 Third-party content. We do not control and are not responsible for third-party websites, content, or services that the Services link to.

12. Termination and Suspension

12.1 By you. You may stop using the Services and delete your account at any time from settings. Deleting your account cancels these Terms, subject to §12.4.

12.2 By us. We may suspend or terminate your account, or restrict your access, if we reasonably believe: you have violated these Terms; your use poses a risk of harm or liability to ZephyrHQ, our users, or others; we are required to do so by law; or we discontinue the Services. Where practical, we will give you notice and a chance to export your data.

12.3 Inactivity. We may close accounts that have been inactive for an extended period, with reasonable prior notice and an opportunity to export your data first.

12.4 Effect of termination. On termination, your right to use the Services ends and your data is handled per the Privacy Policy's deletion terms. Sections that by their nature should survive (including §§3, 4, 7.1, 7.3, 10, 13–17, and 19) survive termination.

13. Disclaimer of Warranties

13.1 As-is. The Services are provided on an "as is" and "as available" basis, without warranties or conditions of any kind.

13.2 No express or implied warranties. To the fullest extent permitted by law, ZephyrHQ disclaims all express, implied, and statutory warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade.

13.3 Specific disclaimers. Without limiting the above, we do not warrant that:

13.4 Third-party dependencies. The Services depend on your connected email provider, app store and push notification infrastructure, and the third-party sites we link to. We do not control these systems and are not responsible for their availability, accuracy, or conduct, including any suspension of our API access by a provider.

14. Limitation of Liability

14.1 Exclusion of certain damages. To the maximum extent permitted by law, ZephyrHQ and its affiliates, officers, employees, agents, licensors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, goodwill, data, or business opportunities — including, without limitation, losses arising from missed or inaccurate alerts, unredeemed or misdescribed benefits, denied refunds or claims, missed travel, late or unpaid bills, or actions you directed through the Services.

14.2 Cap. Our total liability for all claims related to the Services will not exceed the greater of (a) $100, or (b) the amount you paid ZephyrHQ in the 12 months preceding the claim.

14.3 Applicability. These limitations apply to all theories of liability — contract, tort (including negligence), strict liability, or otherwise — even if we were advised of the possibility of such damages.

14.4 Jurisdictional exceptions. Some jurisdictions do not allow certain exclusions or limitations, so some of the above may not apply to you.

15. Indemnification

You agree to indemnify, defend, and hold harmless ZephyrHQ, its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to: (a) your use of the Services; (b) content you submit or actions you direct through the Services; (c) your connection of an account you were not authorized to connect; (d) your violation of these Terms; or (e) your violation of any law or third-party right. You agree to cooperate with us in the defense of any such claim; we reserve the right to assume the exclusive defense of any matter otherwise subject to indemnification.

16. Dispute Resolution and Arbitration

16.1 Informal resolution. Before filing a formal claim, contact us at legal@myzephyrhq.com and give us 30 days to try to resolve the dispute informally.

16.2 Binding arbitration. If we cannot resolve the dispute informally, you and ZephyrHQ agree to resolve all disputes through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, as modified by these Terms. You and we each waive the right to a jury trial.

16.3 Procedures. The arbitrator has exclusive authority to resolve all disputes, including the scope and enforceability of this arbitration agreement. Arbitration will take place in San Mateo County, California or, for claims of $10,000 or less, by telephone, written submissions, or in person in your county of residence, at your choice. The AAA rules govern fees; we will reimburse filing fees for claims under $10,000 unless the arbitrator finds the claim frivolous. The arbitrator may award any relief a court could award on an individual basis.

16.4 Class action waiver. You and ZephyrHQ agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

16.5 Opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@myzephyrhq.com with the subject line "Arbitration Opt-Out" from the email address on your account. If you opt out, you keep your right to litigate in court.

16.6 Exceptions. Either party may bring an individual action in small claims court, or seek injunctive relief in a court of competent jurisdiction for intellectual property infringement or unauthorized access to the Services.

17. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. Subject to §16, any legal proceedings permitted under these Terms must be brought in the state or federal courts located in San Mateo County, California, and you consent to the personal jurisdiction of those courts.

18. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the Services or by email before they take effect. By continuing to use the Services after changes become effective, you agree to the revised Terms. If you do not agree, stop using the Services and delete your account.

19. Miscellaneous

19.1 Entire agreement. These Terms, together with the Privacy Policy and any terms presented at the point of purchase, are the entire agreement between you and ZephyrHQ regarding the Services.

19.2 Severability. If any provision is found invalid or unenforceable, the remaining provisions remain in full force.

19.3 Assignment. You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, or sale of assets.

19.4 Waiver. Our failure to enforce any provision is not a waiver of it.

19.5 Force majeure. We are not liable for failure or delay caused by events beyond our reasonable control.

19.6 Export control. You may not use or export the Services in violation of US export laws and regulations.

19.7 Interpretation. Headings are for convenience only. "Including" means "including without limitation."

19.8 Language. These Terms are written in English; any translation is provided for convenience, and the English version controls.

20. Contact Us

Questions about these Terms: legal@myzephyrhq.com

Support: hello@myzephyrhq.com

ZephyrHQ, Inc., a Delaware corporation qualified to do business in California.