Terms of Service

Last Updated: 3/26/2026

These Terms of Service (“Terms”) govern your access to and use of the Zoie platform, software, applications, websites, and related services (collectively, the “Services”).

The Services are operated by Teraleads LLC FZ, a company incorporated in Dubai, United Arab Emirates, doing business as Zoie (“Zoie,” “we,” “us,” or “our”).

By creating an account, clicking acceptance, or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.

1. Eligibility and Authority

You must be at least 18 years old to use the Services.

If you use the Services on behalf of a business or other entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Description of the Services

Zoie is an AI-powered customer relationship management (CRM) platform that enables businesses to:

• Store and manage leads and contacts
• Communicate via phone calls, SMS, WhatsApp, email, and similar channels
• Deploy AI-powered voice agents and messaging agents
• Automate or manually manage lead nurturing and follow-ups
• Enable or disable AI features at their discretion

Zoie provides technology tools only. Zoie does not provide legal, medical, compliance, financial, or professional advice.

3. Platform Provider Role (No Agency Relationship)

You acknowledge and agree that:

• Zoie is a technology and communications enablement platform only
• Zoie does not initiate, author, approve, or control communications sent using the Services
• All communications are created, configured, and initiated solely by you or your authorized users
• For all legal and regulatory purposes, you — not Zoie — are the sender, advertiser, telemarketer, or communicator.

Zoie is not a party to, and bears no responsibility for, your relationships with your customers, leads, or end users.

4. Account Registration and Security

You must provide accurate and complete information when creating an account.

You are responsible for:

• Maintaining the confidentiality of login credentials
• All activity under your account
• Ensuring only authorized users access the Services

You agree to implement reasonable security measures, including enabling multi-factor authentication where available.

5. Customer Data and Ownership

a. Customer Data

“Customer Data” means all data, content, leads, recordings, messages, and information processed through the Services by you or on your behalf.

You retain ownership of Customer Data. Zoie acts solely as a service provider or processor with respect to Customer Data.

b. Your Responsibilities

You represent and warrant that:

• You have all rights, permissions, and consents to collect and use Customer Data
• Your use of the Services complies with all applicable laws
• You will provide legally required notices to your customers

Zoie does not verify consent and is not responsible for Customer Data legality.

6. Communications Compliance (Calls, SMS, WhatsApp)

Telecommunications and Messaging Services

a. Communications Infrastructure

The Services may include access to telecommunications and messaging features, including but not limited to:

• Voice calling (including AI-powered voice agents)
• SMS and MMS messaging
• WhatsApp and other messaging channels
• Phone numbers, sender IDs, or similar identifiers

Zoie does not operate as a telecommunications carrier. All communications services are provided through third-party carriers, aggregators, and messaging providers (collectively, “Telecom Providers”).

Zoie does not control the availability, quality, routing, delivery, or content filtering of any communications transmitted via Telecom Providers.

b. Sender Responsibility and Legal Classification

You acknowledge and agree that:

• You are the initiator, sender, advertiser, and telemarketer of all communications sent using the Services
• Zoie does not initiate, place, or control calls or messages
• AI voice agents act solely based on your configuration and instructions
• For all legal, regulatory, and carrier purposes, you — not Zoie — are the sender of record.

c. Consent, Opt-In, and Compliance Obligations

You represent and warrant that you have obtained all legally required consents prior to contacting any individual using the Services, including:

• Prior express written consent where required
• Consent compliant with TCPA, TSR, CAN-SPAM, CASL, GDPR, and similar laws
• Platform-specific consent (including WhatsApp and carrier policies)

You are solely responsible for:

• Maintaining consent records
• Honoring opt-out requests
• Maintaining do-not-call lists
• Complying with time-of-day, geographic, and content restrictions

Zoie does not verify consent and does not guarantee compliance.

d. Carrier and Platform Policies

Your use of the communications features is subject to:

• Carrier rules and content policies
• Messaging platform terms (including WhatsApp, SMS registries, and sender verification requirements)
• Industry frameworks such as A2P 10DLC or similar programs

Telecom Providers may:

• Filter, block, throttle, suspend, or reject messages
• Reassign or revoke phone numbers
• Impose additional requirements or restrictions

Zoie is not responsible for carrier enforcement actions.

e. Phone Numbers and Identifiers

If Zoie provisions phone numbers or sender identifiers on your behalf:

• Such numbers are licensed for use, not owned
• Numbers may be reassigned, reclaimed, or released upon suspension, termination, or non-payment
• Upon cancellation, numbers may be released after a reasonable transition period

If you port an external phone number into the Services:

• You represent that you are authorized to do so
• You retain ownership of the ported number, subject to carrier rules

Zoie is not responsible for loss of numbers due to carrier policies, regulatory actions, or your non-compliance.

f. Messaging and Call Charges

Communications features may incur usage-based fees, including but not limited to:

• Call minutes
• Message segments
• Carrier surcharges
• WhatsApp or international delivery fees

Such charges may vary by destination, carrier, and message type and are non-refundable, regardless of delivery outcome.

Zoie does not guarantee message or call delivery.

g. Monitoring, Suspension, and Enforcement

Zoie reserves the right to:

• Monitor usage for abuse, fraud, or policy violations
• Suspend or restrict communications features
• Disable phone numbers or messaging access
• Terminate accounts that create legal, carrier, or reputational risk

Such actions may be taken without prior notice where required to comply with carrier, legal, or security obligations.

h. AI Voice and Automated Calling

You acknowledge that:

• AI voice calls are automated communications
• Additional consent requirements may apply under applicable law
• You are responsible for disclosing AI usage to recipients where required

Zoie does not assume liability for claims arising from automated or AI-generated calls initiated using the Services.

i. Indemnification (Telecommunications)

You agree to indemnify and hold harmless Zoie from any claims, fines, penalties, or damages arising from:

• Communications sent using the Services
• Failure to obtain proper consent
• Carrier enforcement actions
• TCPA, telemarketing, or privacy violations
• AI voice or automated outreach activities

7. Artificial Intelligence Features

a. AI Usage and Limitations

Zoie offers optional AI-powered voice agents and messaging agents.

You acknowledge that:

• AI output may be inaccurate, incomplete, or inappropriate
• AI responses are automated and require human review
• You are responsible for configuring, monitoring, and supervising AI behavior

Zoie does not guarantee outcomes, accuracy, or conversions.

b. Disclosure Obligations

You agree to disclose to end users when they are interacting with AI-based systems where required by law.

c. No Public Model Training

Zoie does not use Customer Data to train generalized or public AI models.

8. Prohibited Uses

You may not use the Services to:

• Violate any law or regulation
• Send unlawful, deceptive, abusive, or spam communications
• Impersonate others or misrepresent identity
• Transmit malware or malicious code
• Reverse engineer or exploit the Services
• Use AI features for professional advice, discrimination, or misinformation

Zoie may suspend or terminate accounts engaging in prohibited use.

9. Privacy, Data Subject Rights, and Breach Responsibility

You are solely responsible for:

• Responding to data subject access, deletion, correction, or portability requests
• Maintaining legally compliant privacy policies
• Complying with HIPAA or other sector-specific regulations where applicable

If Zoie receives a data rights request related to your Customer Data, Zoie may redirect it to you.

You are responsible for all legally required breach notifications related to Customer Data under your control.

10. Fees, Billing, and Payments

You agree to pay all applicable subscription fees, usage-based charges, and add-ons.

• Fees are billed in advance unless stated otherwise
• Payments are non-refundable except where required by law
• Failure to pay may result in suspension or termination

Zoie may modify pricing with reasonable notice.

11. Third-Party Services and Integrations

The Services may integrate with third-party platforms.

Zoie:

• Does not control third-party services
• Is not responsible for outages, data handling, or compliance of third parties

Your use of third-party services is at your own risk and subject to their terms.

12. Intellectual Property

Zoie retains all rights to the Services, including software, AI systems, trademarks, and documentation.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the Services during your subscription.

You may not copy, resell, sublicense, or reverse engineer the Services.

13. Beta and Experimental Features

Zoie may offer beta or experimental features.

Such features are provided “as is”, without warranties, and may be modified or discontinued at any time.

14. Termination and Suspension

a. By You

You may cancel your account at any time. Cancellation does not entitle you to refunds.

b. By Zoie

Zoie may suspend or terminate access if:

• You breach these Terms
• Your use creates legal or security risk
• Required by law

Zoie may delete Customer Data after a reasonable retention period.

15. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZOIE DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• ZOIE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• ZOIE’S TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO ZOIE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM

17. Indemnification

You agree to indemnify and hold harmless Zoie from claims arising out of:

• Your communications and AI usage
• Failure to obtain consent
• Customer Data handling
• Regulatory violations
• Misuse of the Services

18. Governing Law

These Terms are governed by the laws of the United Arab Emirates, without regard to conflict-of-law principles.

19. Binding Arbitration and Class Action Waiver

Any dispute arising from these Terms shall be resolved by binding individual arbitration, not in court.

You waive the right to participate in class actions, collective actions, or representative proceedings.

Arbitration shall be conducted under recognized international arbitration rules in a mutually agreed venue.

20. Changes to These Terms

Zoie may update these Terms from time to time. Continued use of the Services constitutes acceptance of the updated Terms.

21. Contact Information