Terms of Service
Last updated: May 2026
Acceptance of Terms
By creating an account, clicking "I Agree," or otherwise accessing or using the Meet Zoro platform (the "Service"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and any additional guidelines or policies incorporated herein by reference. If you do not agree to all of these Terms, you must not access or use the Service. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Zoro Technologies, Inc. ("Zoro," "we," "us," or "our"). Your continued use of the Service following any posted update to these Terms constitutes acceptance of the revised Terms.
Eligibility & Prohibited Regions
You must be at least 18 years of age (or the age of legal majority in your jurisdiction) and have the full legal capacity to enter into binding contracts to use the Service. The Service is not available to residents of, or persons subject to the jurisdiction of, countries or territories subject to comprehensive sanctions by the United States Office of Foreign Assets Control (OFAC), the European Union, or the United Kingdom, including but not limited to Cuba, Iran, North Korea, Syria, Russia, Belarus, and the Crimea, Donetsk, and Luhansk regions of Ukraine. We reserve the right to restrict access based on geographic location at our sole discretion. By using the Service you represent and warrant that you are not located in, incorporated in, or operating under the laws of any such prohibited jurisdiction.
Description of Service
Meet Zoro is an agentic artificial-intelligence trading orchestration platform delivered as a software-as-a-service product. The Service connects to supported digital-asset exchanges via read-and-trade-only API keys provided by you, executes automated trading strategies on your behalf in accordance with a mandate you select, and provides analytics, performance reporting, and audit logs. The Service connects to one or more supported digital-asset exchanges; the list of supported integrations may change from time to time. Meet Zoro does not take custody of your funds, does not hold, transmit, or control your assets, and does not act as an intermediary in any transaction.
Not a Financial Adviser or Broker-Dealer
Meet Zoro is a software product. We are not a registered broker-dealer, investment adviser, commodity trading adviser, futures commission merchant, swap dealer, or any other type of regulated financial intermediary under U.S. federal or state law or the laws of any other jurisdiction. Nothing in the Service, its outputs, its signals, or any communications from us constitutes investment advice, financial advice, trading advice, legal advice, or tax advice. All users who subscribe to the same mandate receive identical trade instructions — the Service does not provide personalized investment recommendations tailored to your individual financial situation, risk tolerance, or investment objectives. You should consult a qualified financial, legal, or tax professional before making any investment decision.
Account Registration & Security
To access the Service you must register for an account and provide accurate, current, and complete information. You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not authorized by you. You agree to notify us immediately at security@meetzoro.io of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to protect your account credentials. We reserve the right to disable your account if we believe your credentials have been compromised or if you are in violation of these Terms.
API Key Authorization & Scope
To enable automated trading, you must provide Meet Zoro with API keys issued by your exchange accounts. You represent and warrant that any API keys you provide are scoped exclusively to trading permissions and do not include withdrawal, transfer, or any other permissions beyond what is necessary to execute trades on your behalf. We programmatically reject and will not store API keys that present withdrawal or transfer permissions. You acknowledge that providing incorrect or overly permissive API keys is solely your responsibility, and you assume all risk of loss arising from API keys that are misconfigured by you. You may revoke API keys at any time through your exchange account settings, and you agree to do so immediately upon termination of your subscription.
Non-Custodial Architecture
Meet Zoro operates a strictly non-custodial architecture. At no time do we hold, control, or take possession of any cryptocurrency, fiat currency, or other digital or financial asset belonging to you. All trades are executed directly on the exchange of your choosing using your own exchange account; settlement, custody, and record-keeping of assets remain exclusively with the relevant exchange. We are not a money services business, a virtual asset service provider, or a custodian under any applicable law. Our role is limited to transmitting trading instructions to exchanges on your behalf via the API keys you provide.
Acceptable Use Policy
You agree to use the Service only for lawful purposes and in accordance with these Terms. You will not use the Service in any manner that could damage, disable, overburden, or impair our servers or networks, interfere with any other party's use and enjoyment of the Service, or violate any applicable law or regulation. You are solely responsible for ensuring that your use of automated trading through the Service complies with all applicable laws, exchange rules, and regulatory requirements in your jurisdiction. You agree not to use the Service to engage in any form of market manipulation, wash trading, layering, spoofing, or any other prohibited trading practice.
Prohibited Activities
Without limiting Section 8, you expressly agree not to: (a) use the Service to engage in, facilitate, or disguise illegal activity including money laundering, terrorist financing, or tax evasion; (b) attempt to circumvent, defeat, or break any security feature of the Service; (c) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any proprietary component of the Service; (d) resell, sublicense, or otherwise commercially exploit the Service or any part thereof without our express written consent; (e) upload or transmit viruses, malware, or any other malicious code; (f) impersonate any person or entity or falsely represent your affiliation with any person or entity; or (g) access the Service using automated means (bots, scrapers, crawlers) other than through our officially documented API integrations.
Subscription Plans & Pricing
The Service is offered under a single flat-rate subscription of USD $149 per month, providing live trading on the exchanges supported at the time of your subscription. All paid subscriptions include a 14-day free trial as described in Section 10. Pricing is denominated in U.S. dollars. We reserve the right to introduce additional plans, change features included in your plan, or modify pricing upon at least thirty (30) days' advance written notice. Your continued use of the Service after the effective date of a price change constitutes your acceptance of the new price. We do not charge assets-under-management fees, performance fees, or per-trade commissions on any plan.
Free Trial
Paid subscription plans include a 14-day free trial period for new subscribers. No payment method is charged during the trial period; however, you must provide valid payment information to activate the trial. If you do not cancel before the end of the 14-day trial period, your payment method will be charged the applicable monthly subscription fee automatically. You are entitled to one free trial per account; Zoro reserves the right to refuse or revoke a free trial at its discretion if it determines the offer is being abused. Free trial access is limited to the features of the paid tier you selected at sign-up.
Billing & Payment
Subscription fees are billed monthly in advance on the anniversary of your subscription activation date. We accept payment via major credit and debit cards and any other payment methods made available in the Service from time to time. By providing a payment method, you authorize us (or our designated payment processor) to charge the applicable subscription fee on each renewal date until you cancel. You are responsible for all taxes, levies, or duties imposed on your subscription by applicable law; where required by law, such amounts will be added to your invoice. If a charge is declined, we will attempt to reprocess payment; if payment is not received within ten (10) calendar days, we may suspend or downgrade your account.
Refund Policy
All subscription fees are non-refundable except where expressly required by applicable law. If you cancel a paid subscription mid-cycle, you retain access to the Service through the end of the current billing period but will not receive a prorated refund for unused days. If you believe a charge was made in error, you must notify us at billing@meetzoro.io within thirty (30) days of the charge; we will investigate and, if we determine an error occurred, issue a credit or refund at our discretion. Chargebacks initiated without first contacting us are a violation of these Terms and may result in immediate account suspension.
Auto-Renewal & Cancellation
Subscriptions renew automatically at the end of each billing cycle unless you cancel. You may cancel at any time through your account settings or by contacting support@meetzoro.io; cancellation takes effect at the end of the then-current billing period. Upon cancellation, your account will be downgraded to the Free tier at the end of the paid period. We will send a renewal reminder email no fewer than seven (7) days before each billing date. Cancellation does not affect your obligation to pay any fees already accrued prior to the effective date of cancellation.
Trading Risks & Disclaimers
Trading digital assets, including cryptocurrencies and derivatives, involves a high degree of risk and is not suitable for all investors. You may lose some or all of your invested capital. Price volatility, leverage, liquidity risk, counterparty risk, technical failures, and regulatory changes can all result in significant financial loss. The Service automates trade execution based on strategy signals; it cannot guarantee profits or protect against losses. You acknowledge that you have independently assessed the risks of automated digital-asset trading and have determined that it is appropriate for your financial situation and risk tolerance. Nothing in the Service's performance data, simulations, or analytics constitutes a guarantee or prediction of future results.
Backtesting Limitations
The Service may provide backtested performance data showing how a given strategy would have performed over historical market data. Backtested results are hypothetical, are subject to inherent limitations, and do not reflect actual trading results. Historical performance data used in backtesting may be incomplete, delayed, or adjusted; slippage, fees, and market-impact costs are estimated and may differ materially from live-trading costs. Past performance — whether backtested or live — does not predict, imply, or guarantee future results. You should not make any investment decision based solely on backtested data provided through the Service.
AI & Algorithmic Decision-Making Disclosures
The Service uses artificial intelligence and algorithmic models to generate and execute trading signals. These models are trained on historical market data and may not generalize to novel market conditions, black-swan events, or structural market changes. AI-generated signals are not infallible; they can and do produce erroneous or suboptimal decisions. All users subscribed to the same mandate receive the same trade instructions simultaneously; the Service does not differentiate execution based on individual user characteristics. Zoro does not warrant the accuracy, completeness, or fitness of any AI-generated output and expressly disclaims liability for any financial loss arising from reliance on AI-generated trading signals.
System Availability & Downtime
We aim to provide high availability of the Service but do not guarantee uninterrupted, error-free operation. Planned maintenance windows will be communicated in advance where practicable. Unplanned outages, network failures, cloud-provider incidents, or exchange API disruptions may cause the Service to be unavailable or to execute trades with delay or not at all during such periods. Zoro shall not be liable for any financial loss, missed trade, or adverse market movement arising from Service unavailability. Your sole remedy for extended unavailability caused solely by Zoro's systems is a prorated credit toward future subscription fees, as determined by Zoro in its reasonable discretion.
Third-Party Exchanges & Brokerages
The Service connects to third-party exchanges and trading venues that are independently owned and operated and are not affiliated with Zoro. Your use of any exchange is subject to that exchange's own terms of service, fee schedules, and applicable laws. Zoro makes no representations or warranties regarding the reliability, availability, solvency, security, regulatory compliance, or fitness for purpose of any third-party exchange. We are not responsible for any loss of funds, account freezes, exchange hacks, insolvency events, or other adverse outcomes arising from your use of a third-party exchange. You should conduct your own due diligence on any exchange before connecting it to the Service.
API Key Revocation & Termination by Exchange
Exchanges may, at any time and without notice to Zoro, revoke, suspend, or restrict the API keys you have provided to us. Rate limits imposed by exchanges may delay or prevent order execution. If an exchange terminates your account or disables API access, the Service will cease to function for that exchange connection. Zoro accepts no liability for losses arising from exchange-imposed API key restrictions, revocations, or account suspensions. You are responsible for monitoring the status of your exchange accounts and API keys and for notifying us promptly if access is revoked.
Intellectual Property
All rights, title, and interest in and to the Service — including but not limited to the software, algorithms, models, user interface, design, trade secrets, trademarks, service marks, logos, and all content created by Zoro — are owned exclusively by Zoro Technologies, Inc. or its licensors and are protected by applicable intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal, non-commercial use during your active subscription period, subject to full compliance with these Terms. No rights are granted other than as expressly set forth herein. You may not use our trademarks or brand assets without our prior written consent.
User Content & Feedback
If you submit feedback, suggestions, bug reports, feature requests, or other communications to Zoro regarding the Service ("Feedback"), you hereby grant Zoro a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, reproduce, modify, adapt, publish, and incorporate such Feedback into the Service or any future product without compensation or attribution to you. You represent that any Feedback you provide does not violate the rights of any third party. Zoro is not obligated to act on, implement, or acknowledge any Feedback.
Confidentiality
Each party agrees to keep confidential any non-public information disclosed by the other party that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure ("Confidential Information"). Each party agrees not to disclose Confidential Information to any third party and to use Confidential Information only for the purpose of performing its obligations or exercising its rights under these Terms. The confidentiality obligations set forth herein do not apply to information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was rightfully known to the receiving party prior to disclosure; (c) is independently developed by the receiving party without use of Confidential Information; or (d) must be disclosed pursuant to applicable law or court order.
Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZORO EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ZORO DOES NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, THAT OPERATION OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY TRADING SIGNAL OR ALGORITHM WILL PRODUCE ANY PARTICULAR RESULT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM ZORO OR THROUGH THE SERVICE, WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ZORO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, TRADING LOSSES, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF ZORO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ALL CASES, ZORO'S AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO ZORO IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IN SUCH JURISDICTIONS, ZORO'S LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.
Indemnification
You agree to defend, indemnify, and hold harmless Zoro, its officers, directors, employees, contractors, agents, affiliates, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of or inability to use the Service; (b) your violation of these Terms; (c) your violation of any applicable law, regulation, or third-party right, including any exchange terms of service; (d) your provision of false or misleading information to Zoro; or (e) your trading activity, investment decisions, or financial losses. Zoro reserves the right to assume exclusive control of any matter subject to indemnification by you, in which case you agree to cooperate with Zoro in asserting any available defenses.
Account Suspension & Termination
We may suspend or terminate your account and access to the Service, with or without notice, if: (a) you breach any provision of these Terms; (b) we are required to do so by applicable law, court order, or regulatory authority; (c) your account is involved in suspected fraudulent, abusive, or illegal activity; or (d) we decide to discontinue the Service. Upon termination, your license to use the Service ceases immediately. Within thirty (30) days of termination, you may request an export of your trade history and audit logs; after that period, we have no obligation to retain your data beyond what is required by applicable law. Termination does not relieve you of any payment obligations accrued prior to the effective date of termination.
Governing Law
These Terms and any dispute arising out of or relating to the Service shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict-of-laws principles. If you are a consumer resident of the European Union or United Kingdom, mandatory consumer-protection provisions of your local law may also apply and are not waived by this clause. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.
Arbitration & Dispute Resolution
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS. Except for disputes where either party seeks equitable or other relief for the alleged unlawful use of intellectual property, or where a claim falls within the jurisdiction of a small-claims court, any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved by final and binding individual arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules then in effect. The arbitration shall be conducted in English in Wilmington, Delaware, or, at your election, via video or telephonic hearing. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The parties agree to share arbitration costs equally, except that Zoro will pay all AAA fees for claims that do not exceed USD $10,000, provided the claim is not frivolous.
Class Action Waiver
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND ZORO EACH AGREE THAT ANY PROCEEDING TO RESOLVE A DISPUTE WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. You expressly waive any right to participate in a class action lawsuit or class-wide arbitration. If a court or arbitrator finds that this class action waiver is unenforceable for any reason, the dispute shall proceed in a court of competent jurisdiction and the arbitration agreement in Section 29 shall not apply to that dispute. Nothing in this section prevents either party from participating in a class-wide settlement.
Regulatory Compliance
You are solely responsible for determining whether your use of the Service complies with all applicable laws and regulations in your jurisdiction, including but not limited to securities laws, commodities laws, anti-money-laundering laws, tax laws, and exchange-specific terms of service. Zoro does not represent that the Service is appropriate or legally available in any particular jurisdiction. Automated trading may be regulated or restricted in certain jurisdictions; you should obtain independent legal advice before using the Service. Zoro reserves the right to restrict access to the Service in any jurisdiction at any time if we determine, in our sole discretion, that continued operation poses legal, regulatory, or reputational risk.
Sanctions & Export Controls
The Service is subject to U.S. export control laws and regulations, including the Export Administration Regulations (EAR) and OFAC sanctions programs. You agree not to access, use, export, re-export, or transfer the Service to any country, person, or entity that is: (a) located in a country subject to a U.S. government embargo; (b) identified on any U.S. government restricted-party list, including the OFAC Specially Designated Nationals (SDN) list, the BIS Entity List, or equivalent EU or UK lists; or (c) otherwise prohibited under applicable export-control or sanctions laws. You represent and warrant that you are not on any such list and are not acting on behalf of any such person or entity. Violations of this section are grounds for immediate account termination and may be reported to relevant authorities.
Anti-Money Laundering
Zoro maintains an anti-money-laundering (AML) compliance program consistent with applicable law. We may, at our sole discretion, require you to provide identity verification documentation (know-your-customer, or KYC), source-of-funds declarations, or other information as part of our onboarding or ongoing monitoring processes. We reserve the right to suspend or terminate any account that we reasonably suspect is being used for money laundering, terrorist financing, or other illicit financial activity, and to report such activity to relevant law enforcement or regulatory authorities without prior notice to you. You represent that all funds used in connection with the Service are derived from legitimate sources and that your use of the Service is not intended to circumvent any AML or counter-financing-of-terrorism regulation.
Modifications to Terms
We reserve the right to modify these Terms at any time. If we make material changes, we will provide notice via email to the address associated with your account and/or by posting a prominent notice within the Service at least thirty (30) days before the changes take effect. Changes that are required by law or that do not materially affect your rights may take effect immediately. Your continued use of the Service after the effective date of any modification constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, your sole remedy is to cancel your subscription and cease using the Service before the effective date.
Force Majeure
Neither party shall be liable to the other for any delay or failure to perform its obligations under these Terms (other than payment obligations) to the extent such delay or failure is caused by circumstances beyond that party's reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, pandemic, governmental action, power or telecommunications failure, internet outages, exchange-imposed restrictions, or blockchain network disruptions. The affected party shall notify the other party as soon as reasonably practicable and shall use commercially reasonable efforts to resume performance. If a force majeure event continues for more than sixty (60) days, either party may terminate the affected subscription upon written notice without liability.
Entire Agreement & Severability
These Terms, together with the Privacy Policy and any other policies or guidelines incorporated by reference, constitute the entire agreement between you and Zoro with respect to the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written. If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of that provision or any other provision. Section headings are for convenience only and have no legal effect. You may not assign or transfer your rights or obligations under these Terms without our prior written consent; Zoro may assign these Terms without restriction.
Audit Log Retention
Meet Zoro maintains a tamper-evident audit log of all trade instructions issued through the Service for a minimum period of seven (7) years from the date of each instruction. This log records the timestamp, exchange, instrument, direction, quantity, and mandate identifier for every order transmitted on your behalf. Upon written request, we will provide you with a copy of your audit log data in machine-readable format within a commercially reasonable time. Retention beyond the seven-year minimum may be required by applicable law, in which case we will retain records for the period required by law.