Workflow & Automation · zavopay.comZavo
Graded against 809 verified platforms, from its own policy text. Automated assessment against a published rubric — not legal advice.
No lens is bandable yet — banding requires fully verified documents with on-criteria findings. The gap is shown honestly, never estimated.
No verified risks yet
AIRIN has not published verified findings for this record yet. The page shows the gap instead of guessing.
How to read this page: Overall risk rates what Zavo's own policy terms mean for your prompts, outputs, and data. The benchmark bands below grade those same verified terms relative to peers — a platform in a risky-by-default category can rate HIGH risk and still grade STRONG against its peer set. Both trace to the cited findings.
Fully verified — complete core corpus captured and read in full.
- Privacy PolicyVerified - read in full - 0 citationsstaticLast captured 2026-09-01
- Terms of ServiceVerified - read in full - 0 citationsstaticLast captured 2026-09-01
Clause A states Zavo's purpose involves using third-party payment processors, implying active engagement, while Clause B's conditional phrasing suggests that Zavo might not currently engage third parties for personal data processing, creating a direct conflict regarding the current operational state.
" 2. Purpose The purpose of the Zavo App and Services is to enable you to make and receive payments from your end customers by allowing you to register for payment processing services with a third-party provider."
" Whenever we transfer personal data to third-party processors, we ensure appropriate safeguards, such as data processing agreements, audit rights, and, for cross-border transfers, standard contractual clauses or adequacy mechanisms. If we do not currently engage third parties to process personal data on behalf of Zavo, we should state that clearly; and if we begin doing so, a third-party access policy / vendor due diligence procedure will be applied."
Across documentsClause A implies current use of third-party services like Stripe for payment processing, which involves personal data, while Clause B suggests the possibility that Zavo might not currently engage third parties to process personal data.
" Third-Party Service Provider Terms : These apply if you use services from our partners, including Stripe for payment processing."
" Whenever we transfer personal data to third-party processors, we ensure appropriate safeguards, such as data processing agreements, audit rights, and, for cross-border transfers, standard contractual clauses or adequacy mechanisms. If we do not currently engage third parties to process personal data on behalf of Zavo, we should state that clearly; and if we begin doing so, a third-party access policy / vendor due diligence procedure will be applied."
Across documentsClause A implies Zavo might not currently engage third-party processors for personal data, while Clause B explicitly states they use Stripe as a third-party payment processor for account registration and verification.
" Whenever we transfer personal data to third-party processors, we ensure appropriate safeguards, such as data processing agreements, audit rights, and, for cross-border transfers, standard contractual clauses or adequacy mechanisms. If we do not currently engage third parties to process personal data on behalf of Zavo, we should state that clearly; and if we begin doing so, a third-party access policy / vendor due diligence procedure will be applied."
" 4.1 The Services can be accessed once you have installed the App and registered an Account by completing the onboarding process powered by our third-party payment processor, Stripe. We will collect details relating to you and your business and conduct verification checks as part of our fraud monitoring, Anti-Money Laundering (“AML”), and Know-Your-Customer (“KYC”) obligations. By submitting your information and requesting an Account, you confirm you are happy for us to verify your information in this manner."
Across documents
Clause intelligence
Canonical clauses and stance patterns extracted from the same gate-verified citations shown on this page.
The clause includes sublicensable, transferable, or assignable rights.
“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.”Open source citation
The clause grants a broad content license.
“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.”Open source citation
The clause grants a broad content license.
“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.”Open source citation
The clause appears to reserve or claim ownership rights for the platform.
“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.”Open source citation
The clause limits liability or disclaims warranties.
“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.”Open source citation
Tier matrix
Plan-level conditions detected from citation-backed clauses. Empty tiers mean AIRIN has not captured decisive tier language yet.
| Tier | Surface | Verdict | Risk | Citations |
|---|---|---|---|---|
| All applicable tiers | commercial use | worsens | HIGH | 1 |
| All applicable tiers | data retention | conditional | MEDIUM | 1 |
| All applicable tiers | indemnity liability | conditional | MEDIUM | 1 |
| All applicable tiers | privacy data use | worsens | HIGH | 3 |
| Free | subprocessors data sharing | conditional | MEDIUM | 2 |
Policy evolution
Open full timelineBefore/after stance changes across captured policy versions. When no material delta exists yet, AIRIN shows the latest citation-backed stance events instead.
Latest stance: third party or vendor sharing on data retention
“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.”Open timeline citation
Latest stance: third party or vendor sharing on privacy data use
“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).”Open timeline citation
Latest stance: broad license on subprocessors data sharing
“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.”Open timeline citation
Latest stance: platform claims or reserves rights on commercial use
“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.”Open timeline citation
Latest stance: third party or vendor sharing on subprocessors data sharing
“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.”Open timeline citation
Latest stance: sublicensable or transferable on privacy data use
“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.”Open timeline citation
Latest stance: liability limited on indemnity liability
“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.”Open timeline citation
Latest stance: broad license on privacy data use
“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.”Open timeline citation
Capture recency
- Privacy Policy:Last captured 2026-09-01· verified 2026-09-01verified once — not yet re-verified
- Terms of Service:Last captured 2026-09-01· verified 2026-09-01verified once — not yet re-verified
Dates state when our pipeline captured and verified each document — not when the vendor last changed it. Documents are re-scanned on a recurring cadence; a document verified once says so until a re-scan confirms it again.
61 findings first captured First scan: September 2026.
Compare and stack are saved in your browser. Open compare · View your stack. A correction triggers an automated re-read of Zavo's policies — no human edits the data.
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Every finding above is a verbatim quote from Zavo's own published policy, captured to an immutable snapshot and read in full through a two-gate verification pipeline. Confidence labels and any analysis are AI-generated and informational only — not legal advice.
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