{"platform":"Zavo","slug":"zavo","category":"Workflow & Automation","website":"https://zavopay.com","risk_rating":"low","verification":"fully_verified","verification_detail":{"tier":"fully_verified","partial_reason_code":"none","partial_reason_label":"Complete","blocked_core_documents":[]},"rating":{"value":"low","unknown_reason_code":"none","unknown_reason_label":"Rated"},"corpus_status":"corpus_complete","canonical":"https://airinetwork.com/platform/zavo","machine_url":"https://airinetwork.com/api/machine/platform/zavo","last_reviewed":"2026-09-01","findings_count":0,"findings":[],"documents":[{"doc_type":"privacy","pdf_page_count":null,"extraction_method":"static","page_level_citations":false,"last_captured":"2026-09-01","last_verified_scan":"2026-09-01","verified_scan_count":1},{"doc_type":"terms","pdf_page_count":null,"extraction_method":"static","page_level_citations":false,"last_captured":"2026-09-01","last_verified_scan":"2026-09-01","verified_scan_count":1}],"clause_intelligence":{"clauses_count":61,"risk_patterns_count":8,"stance_events_count":8,"patterns_by_family":{"ip_license":3,"ip_ownership":1,"legal_burden":1,"privacy_sharing":3},"risk_summary":{"high":2,"medium":6},"evidence":[{"pattern_key":"sublicensable_or_transferable_license","pattern_family":"ip_license","risk_rating":"high","confidence":"medium","stance_key":"content_license","stance_value":"sublicensable_or_transferable","evidence":"7.2 Subject to your complete and ongoing compliance with these Terms, we grant you a personal, non-transferable, non-exclusive, revocable, limited license to: Use and access the Services solely as permitted by these Terms.","reason":"The clause includes sublicensable, transferable, or assignable rights.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"privacy_data_use","quote":"7.2 Subject to your complete and ongoing compliance with these Terms, we grant you a personal, non-transferable, non-exclusive, revocable, limited license to: Use and access the Services solely as permitted by these Terms.","source_url":"https://zavopay.com/policies/website-policy","deep_link":"https://zavopay.com/policies/website-policy#:~:text=%207.2%20Subject%20to,permitted%20by%20these%20Terms.","structural_citation":"§ 7.2","citation_basis":"section_number","char_start":7668,"char_end":7892}},{"pattern_key":"broad_content_license","pattern_family":"ip_license","risk_rating":"medium","confidence":"medium","stance_key":"content_license","stance_value":"broad_license","evidence":"7.2 Subject to your complete and ongoing compliance with these Terms, we grant you a personal, non-transferable, non-exclusive, revocable, limited license to: Use and access the Services solely as permitted by these Terms.","reason":"The clause grants a broad content license.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"privacy_data_use","quote":"7.2 Subject to your complete and ongoing compliance with these Terms, we grant you a personal, non-transferable, non-exclusive, revocable, limited license to: Use and access the Services solely as permitted by these Terms.","source_url":"https://zavopay.com/policies/website-policy","deep_link":"https://zavopay.com/policies/website-policy#:~:text=%207.2%20Subject%20to,permitted%20by%20these%20Terms.","structural_citation":"§ 7.2","citation_basis":"section_number","char_start":7668,"char_end":7892}},{"pattern_key":"broad_content_license","pattern_family":"ip_license","risk_rating":"medium","confidence":"medium","stance_key":"content_license","stance_value":"broad_license","evidence":"7.5 All data you provide to us through your use of the App and Services (“Customer Data”) shall remain owned by you, but you grant Zavo and its affiliates a non-exclusive, worldwide, royalty-free license to use, copy, store, transmit, modify, create derivative works of, and display the Customer Data solely to the extent necessary to provide the App and Services.","reason":"The clause grants a broad content license.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"subprocessors_data_sharing","quote":"7.5 All data you provide to us through your use of the App and Services (“Customer Data”) shall remain owned by you, but you grant Zavo and its affiliates a non-exclusive, worldwide, royalty-free license to use, copy, store, transmit, modify, create derivative works of, and display the Customer Data solely to the extent necessary to provide the App and Services.","source_url":"https://zavopay.com/policies/website-policy","deep_link":"https://zavopay.com/policies/website-policy#:~:text=%207.5%20All%20data,the%20App%20and%20Services.","structural_citation":"§ 7.5","citation_basis":"section_number","char_start":9052,"char_end":9417}},{"pattern_key":"platform_claims_ownership","pattern_family":"ip_ownership","risk_rating":"high","confidence":"medium","stance_key":"content_ownership","stance_value":"platform_claims_or_reserves_rights","evidence":"7.3 We reserve all rights not expressly granted to you by these Terms. Except as permitted through the Services or as otherwise permitted by us in writing, your license does not include the right to: License, sell, transfer, assign, distribute, host, or otherwise commercially exploit the Services, or any content made available through the Services.","reason":"The clause appears to reserve or claim ownership rights for the platform.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"commercial_use","quote":"7.3 We reserve all rights not expressly granted to you by these Terms. Except as permitted through the Services or as otherwise permitted by us in writing, your license does not include the right to: License, sell, transfer, assign, distribute, host, or otherwise commercially exploit the Services, or any content made available through the Services.","source_url":"https://zavopay.com/policies/website-policy","deep_link":"https://zavopay.com/policies/website-policy#:~:text=%207.3%20We%20reserve,available%20through%20the%20Services.","structural_citation":"§ 7.3","citation_basis":"section_number","char_start":7995,"char_end":8347}},{"pattern_key":"liability_limitation","pattern_family":"legal_burden","risk_rating":"medium","confidence":"medium","stance_key":"legal_burden","stance_value":"liability_limited","evidence":"10.1 We make no warranties or representations of any kind about the Services or any content provided through them, and we disclaim all liability in respect of your use of the Services to the fullest extent permissible by law.","reason":"The clause limits liability or disclaims warranties.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"indemnity_liability","quote":"10.1 We make no warranties or representations of any kind about the Services or any content provided through them, and we disclaim all liability in respect of your use of the Services to the fullest extent permissible by law.","source_url":"https://zavopay.com/policies/website-policy","deep_link":"https://zavopay.com/policies/website-policy#:~:text=%2010.1%20We%20make,extent%20permissible%20by%20law.","structural_citation":"§ 10.1","citation_basis":"section_number","char_start":11013,"char_end":11239}},{"pattern_key":"third_party_sharing","pattern_family":"privacy_sharing","risk_rating":"medium","confidence":"medium","stance_key":"data_sharing","stance_value":"third_party_or_vendor_sharing","evidence":"Zavo Ltd and its affiliates (“we,” “us,” “our”) respect your privacy and are committed to protecting your personal data. This Privacy Policy (“Policy”) explains how we collect, use, disclose, retain, and protect personal information when you (a) use the Zavo App (the “App”), (b) create a Zavo Account, (c) visit our website (the “Site”), or (d) otherwise interact with us, including through the Zavo Rewards Program ...","reason":"The clause permits disclosure or sharing with third parties, affiliates, vendors, or subprocessors.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"data_retention","quote":"Zavo Ltd and its affiliates (“we,” “us,” “our”) respect your privacy and are committed to protecting your personal data. This Privacy Policy (“Policy”) explains how we collect, use, disclose, retain, and protect personal information when you (a) use the Zavo App (the “App”), (b) create a Zavo Account, (c) visit our website (the “Site”), or (d) otherwise interact with us, including through the Zavo Rewards Program or via Zavo Terminals. This Policy also sets out your data protection rights.","source_url":"https://zavopay.com/policies/privacy-policy","deep_link":"https://zavopay.com/policies/privacy-policy#:~:text=%20Zavo%20Ltd%20and,your%20data%20protection%20rights.","structural_citation":"Privacy Policy › “Privacy Policy”","citation_basis":"heading_path","char_start":377,"char_end":872}},{"pattern_key":"third_party_sharing","pattern_family":"privacy_sharing","risk_rating":"medium","confidence":"medium","stance_key":"data_sharing","stance_value":"third_party_or_vendor_sharing","evidence":"Because Zavo (or its service providers) operates internationally, personal data may be transferred to countries outside the UK / EEA (or to jurisdictions with different data protection laws). We ensure such transfers are subject to appropriate safeguards, including: Adequacy decisions (if applicable).","reason":"The clause permits disclosure or sharing with third parties, affiliates, vendors, or subprocessors.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"privacy_data_use","quote":"Because Zavo (or its service providers) operates internationally, personal data may be transferred to countries outside the UK / EEA (or to jurisdictions with different data protection laws). We ensure such transfers are subject to appropriate safeguards, including: Adequacy decisions (if applicable).","source_url":"https://zavopay.com/policies/privacy-policy","deep_link":"https://zavopay.com/policies/privacy-policy#:~:text=%20Because%20Zavo%20(or,Adequacy%20decisions%20(if%20applicable).","structural_citation":"§ 6 (International Transfers)","citation_basis":"section_number","char_start":5496,"char_end":5801}},{"pattern_key":"third_party_sharing","pattern_family":"privacy_sharing","risk_rating":"medium","confidence":"medium","stance_key":"data_sharing","stance_value":"third_party_or_vendor_sharing","evidence":"7.5 All data you provide to us through your use of the App and Services (“Customer Data”) shall remain owned by you, but you grant Zavo and its affiliates a non-exclusive, worldwide, royalty-free license to use, copy, store, transmit, modify, create derivative works of, and display the Customer Data solely to the extent necessary to provide the App and Services.","reason":"The clause permits disclosure or sharing with third parties, affiliates, vendors, or subprocessors.","matcher_version":"clause-intelligence-2026-06-17.1","citation":{"surface":"subprocessors_data_sharing","quote":"7.5 All data you provide to us through your use of the App and Services (“Customer Data”) shall remain owned by you, but you grant Zavo and its affiliates a non-exclusive, worldwide, royalty-free license to use, copy, store, transmit, modify, create derivative works of, and display the Customer Data solely to the extent necessary to provide the App and Services.","source_url":"https://zavopay.com/policies/website-policy","deep_link":"https://zavopay.com/policies/website-policy#:~:text=%207.5%20All%20data,the%20App%20and%20Services.","structural_citation":"§ 7.5","citation_basis":"section_number","char_start":9052,"char_end":9417}}]},"tier_conditions":[],"disclaimer":"Informational only, not legal advice. Every finding is a verbatim quote from a fully-read, gate-verified document; verify via snapshot_sha256 + wayback_url. Partially-verified platforms show findings only from their verified document(s).","benchmark":{"disclaimer":"Automated assessment against a published rubric — not legal advice.","bands":[]},"@jsonld":{"@context":"https://schema.org","@type":"Dataset","name":"Zavo — AI policy risk findings","description":"Verified, cited policy findings for Zavo across 13 risk surfaces.","url":"https://airinetwork.com/platform/zavo","creator":{"@type":"Organization","name":"AIRIN","url":"https://airinetwork.com"},"isAccessibleForFree":true,"license":"https://airinetwork.com/terms","additionalProperty":[{"@type":"PropertyValue","name":"verification","value":"fully_verified"},{"@type":"PropertyValue","name":"tier_condition_count","value":0}],"hasPart":[],"variableMeasured":[]}}