Introduction: These User Terms and Conditions (“Terms”) govern your use of the ZARSK website (the “Site”). ZARSK Ltd (“ZARSK”, “we” or “us”) is a company registered in England and Wales (Company No. 09871189). By accessing or using our Site, you confirm that you accept and agree to comply with these Terms. If you do not agree, you must not use the Site.
These User Terms and Conditions govern the creation and use of accounts, subscriptions, and services provided by ZARSK through its online platform. By registering an account or using any member-only services (including subscription-based access to HMO property listings, landlord resources, and mentoring/courses), you agree to these User Terms in addition to the Website Terms above.
By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these User Terms and Conditions and the Website Terms and Conditions (collectively, “the Terms”).
If you do not agree with or accept any part of the Terms, you must not access or use this website.
1. Account Registration: To access subscriber-only content and features, you must create an account. Eligibility – You must be 18 or older and capable of forming a binding contract to register. Each user may maintain only one account – multiple accounts per person are not permitted. When registering, you agree to provide truthful, accurate, and current information about yourself and to keep it updated. This includes selecting the correct user type (e.g. investor, landlord/agent); if you are registering as an agent or property lister, you must not misrepresent yourself as a private individual. We reserve the right to reject any registration or terminate any account that violates these requirements.
Account Security: You are responsible for maintaining the confidentiality of your login credentials. Do not share your password or allow others to use your account. You are liable for all activities conducted under your username/password. If you suspect any unauthorized use of your account or a security breach, you must notify us immediately. We may require you to change your password or provide additional verification for security. ZARSK is not liable for any loss or damage arising from your failure to safeguard your account details.
2. Subscription Plans and Payments: Access to certain features (such as full HMO property listings, detailed resources, or courses) requires a paid subscription. By purchasing a subscription, you agree to pay the applicable fees and charges. Billing – Subscription fees and billing frequency (e.g. monthly or annually) will be presented at the time of purchase. Unless otherwise stated, fees are inclusive of VAT (if applicable). Subscriptions will auto-renew at the end of each billing cycle unless you cancel prior to the renewal date. We (or our authorized payment processor) will charge the same payment method you provided for the initial purchase for each renewal, unless you update your payment information. If we cannot process payment (e.g. card expiry or denial), we may suspend or restrict your account until payment is resolved.
3. Cancellation and Refund Policy:
• You may cancel your subscription at any time via your account settings or by contacting us. Cancellation will prevent your subscription from renewing at the end of your current billing period, but you will continue to have access to all subscriber services until the end of the period you have paid for. No refunds will be given for any unused portion of a subscription period, including partial months or years.
By subscribing and accessing subscriber-only content immediately, you agree that the service will begin straight away and you will lose any statutory 14-day cooling-off right that might otherwise apply under UK consumer law. This does not affect any other statutory rights you may have.
• Cancellation of Auto-Renewal: You may cancel your subscription renewal at any time via your account settings or by contacting us. If you cancel, you will continue to have access to the subscriber services until the end of your paid term, but no further payments will be taken.
• Upgrades/Downgrades: If you upgrade or downgrade your subscription plan, new fees and terms may apply as presented at the time of change. Downgrading may only take effect after your current paid period ends. We will inform you of any prorated charges or credits when you change plans.
• Refunds: We strive to be fair and transparent with refunds. If you believe extraordinary circumstances warrant a refund (e.g. you were unable to access the service due to our fault), please contact us to discuss. Approved refunds will be made to the original payment method within a reasonable time (typically within 7 working days). Note that no refunds will be provided where we terminate or suspend your account for a breach of these Terms or unlawful conduct, or if we find evidence of misuse of the platform.
4. User Content and Listings: ZARSK’s platform allows users (including registered estate agents, deal sourcers, landlords or other content providers) to upload and share property listings, descriptions, images, documents, comments, or other content (“User Content”). If you upload or post any content, you agree to the following:
• Accuracy and Legality: You are solely responsible for the content you post. You must ensure that all property listings or information are accurate, up-to-date, and comply with all applicable laws and regulations (e.g. consumer protection laws, housing regulations). Do not post misleading information or omit material facts. If circumstances change (for example, a listed property is no longer available), you agree to promptly update or remove the listing.
• Permissions and Rights: You must have all necessary rights and permissions to post the content. This means you either own the content (e.g. you took the photographs, or you wrote the description) or you have the property owner’s and any other relevant party’s consent to publish it. Any images of properties or other media you upload should not infringe any copyright or trademark. By posting User Content, you confirm that doing so does not violate any agreement (such as an exclusive listing agreement) or law.
• No Prohibited Content: You must not upload any content that is unlawful, defamatory, obscene, discriminatory, or that violates privacy or other rights. This includes refraining from posting content that contains personal data about someone without their consent, or any content that could be considered hateful or harassing. We also prohibit posting of any content that promotes illegal activities or violates our Acceptable Use rules (see Section 5 below).
• Agent and Landlord Obligations: If you are using the platform as an agent, sourcing practitioner, or landlord listing properties, you must comply with relevant industry regulations. For example, estate agents and lettings agents are expected to be registered with a government-approved redress scheme in the UK (such as The Property Ombudsman or Property Redress Scheme) and comply with all Estate Agents Act and Consumer Protection laws. You should hold any required licenses (e.g. HMO licenses for HMO properties, where applicable) and adhere to advertising standards. Misrepresenting yourself (for instance, an agent posing as a private seller/landlord) is a serious violation and can result in account termination. We reserve the right to request proof of your business registration, licensing, or scheme membership if you are listing properties in a professional capacity, and to suspend your account pending verification if needed.
• License to ZARSK: By uploading or posting User Content, you grant ZARSK a non-exclusive, worldwide, royalty-free license (with the right to sublicense) to use, reproduce, display, distribute, and prepare derivative works of your content for the purpose of operating and promoting the platform. This license is perpetual and irrevocable, meaning even if you remove the content or terminate your account, we may retain copies for backup or legal purposes, and may continue to use your content that was already published (for example, as part of marketing materials showcasing our listings or user success stories). You retain ownership of your own content; posting does not transfer ownership to us. However, you agree that we may edit or remove your content if we deem it necessary (for example, to crop an image or correct a typo, or remove content that violates these Terms).
• No Compensation: You will not be entitled to any compensation from ZARSK for the use of your User Content. For instance, if you post a particularly useful article or a property listing that attracts many subscribers, you will not receive a fee from us for that content (aside from any arrangements you independently make, such as commission from a property sale).
• Monitoring and Removal: We do not pre-approve all User Content, and we are not responsible for what users post. However, we reserve the right (but do not assume the obligation) to monitor, screen, or moderate user postings. We may remove, disable, or modify any User Content at any time if we believe it breaches these Terms or applicable law, or for any other reasonable reason. Our decision to remove content is final, and we are not liable for any loss you claim due to our removal of your content. If you find content on the platform that you believe violates these Terms or your rights, you can report it to us and we will review it.
5. Acceptable Use Policy: When using your ZARSK account and interacting with others (for example, through any messaging system, forums, or during webinars/mentoring sessions), you must conduct yourself in a professional and respectful manner. In addition to the general Prohibited Conduct rules in the Website Terms (which apply to all users), the following specific rules apply to account holders:
• No Abuse or Harassment: You shall not harass, threaten, or mistreat any other user, ZARSK staff, or third party via our platform. This includes any form of hate speech, aggressive or repetitive unwanted messages, or personal attacks.
• No Unauthorized Commercial Use: You may not use the platform to advertise or solicit business outside of the authorized uses (for example, you cannot scrape our listings to create a competing service, or send marketing messages to other users without permission). Agents or others listing properties may of course advertise those listings on our platform, but should not use user contact information obtained from ZARSK for unrelated solicitations.
• No Data Mining or Interference: You must not run any automated data gathering or extraction tools (such as bots, spiders, or scrapers) on our platform without our explicit written permission. Also, do not attempt to interfere with the proper working of any feature – for example, do not try to circumvent subscription paywalls, manipulate vote or comment systems (if any), or overload the system with unreasonable requests.
• Communication and Transactions: If our platform allows you to communicate with other users (e.g. an agent and an investor discussing a property deal), you should remain on-topic and honest in your communications. You are responsible for any agreements you enter with other users. ZARSK is not a party to contracts between users (e.g. an investor buying a property from an agent) and will not mediate disputes, though we encourage professional and fair dealing. You must not falsely claim to represent ZARSK in any transaction – you should make it clear you are acting in your own or your company’s capacity.
• Compliance with Law: You are responsible for ensuring that your use of the platform and any content you provide comply with all laws that apply to you. This includes data protection laws when handling other users’ personal information (see Privacy Policy), anti-money laundering regulations if applicable (e.g. if you are involved in property transactions, you may need to perform customer due diligence outside the platform), and other relevant regulations in the property sector. If a law or regulation requires you to have certain credentials or perform certain actions when using a service like ZARSK, you must do so. We may ask for evidence of such compliance.
Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account, and in serious cases, reporting to law enforcement or regulatory authorities.
6. Intellectual Property Rights (Platform & Content):
• Our Platform IP: All intellectual property rights in the ZARSK platform, including our website design, text, graphics, logos, software code, databases, and compiled listings, are owned by ZARSK or our licensors. We grant active subscribers a limited, non-transferable, revocable license to access and use the platform and its content for the intended purposes (personal or internal business use of finding investment properties, learning from resources, etc.). Except for this limited license, no right, title or interest in our intellectual property is transferred to you. You must not copy, distribute, modify, or create derivative works of our platform content without our permission, except as allowed under law or expressly under these Terms. For example, you may download or print materials for your personal use or record individual pieces of information for your own analysis, but you may not mass-download our listings to publish elsewhere, nor use our content to create a competing database.
• Your Feedback: If you provide us with any suggestions, ideas, or feedback about the platform (“Feedback”), you grant us a free, perpetual license to use and implement that Feedback (and we may incorporate it into our services without any obligation to you). We welcome Feedback but are not obliged to act on it or to keep it confidential.
• Third-Party IP: All third-party trademarks (e.g. names of properties or companies mentioned) and third-party content (e.g. estate agency logos, if used in listings) belong to their respective owners. Posting any third-party content within your User Content (such as a photograph taken by someone else, or a floorplan from another source) is prohibited unless you have that third party’s permission. If you believe any content on our platform infringes your intellectual property rights, please notify us with details and we will investigate promptly.
7. Disclaimers Specific to Services: In addition to the general Website Disclaimers in our Site Terms, the following apply to the subscriber services:
• Property Listings: ZARSK is not an estate agent or property broker, and we do not own, take possession of, or formally vet the properties listed on our platform. The listings are provided by third parties (agents or sellers). We do not guarantee that every property is available, that it will meet your investment criteria, or that returns or rental yields indicated will be achieved. Any financial or investment information provided (such as estimated yields or investment advice in resources) is for informational purposes only and is not professional financial advice. Users should conduct independent due diligence, including viewing properties, obtaining professional surveys/valuations, and seeking legal or financial advice before entering into any property purchase or lease. You assume all risk when acting on information obtained through our service.
• Landlord Resources and Mentoring: Any guides, articles, mentoring sessions, or courses provided via the platform are intended as general education for landlords and property investors. While we strive for accuracy and usefulness, we do not warrant that this content is comprehensive or suited to your particular situation. Regulations (such as housing laws or tax rules) change over time, and personal circumstances vary; thus, you should verify information and seek professional advice where appropriate. Neither ZARSK nor any mentors or contributors shall be liable for decisions you make based on the educational content. For example, if you follow an HMO management tip from our resource library and encounter losses or legal issues, that remains your responsibility.
• Platform Availability: We aim to keep the platform up 24/7, but we do not guarantee uninterrupted service. Downtime may occur for maintenance or due to technical issues. We will try to schedule maintenance at low-traffic times and give advance notice when possible, but emergency/security updates might occur immediately. We are not liable for any inconvenience or loss (e.g. missed opportunity) due to the platform being unavailable or slow at times.
• Data Integrity: We do not guarantee that the platform or content is free of bugs, errors, or viruses, although we take reasonable measures for security. You are responsible for using your own antivirus protection on your devices. Any downloadable content is provided at your own risk.
8. Limitation of Liability: The liability limitations set forth in the Website Terms apply fully to the use of the subscription services. To summarize and reinforce:
• ZARSK’s total liability to you for any claim arising out of these User Terms or your use of the subscriber services shall, to the extent legally permissible, be limited to the amount you paid to us in subscription fees in the 12 months preceding the claim. We will not be responsible for losses that were not caused by our breach or negligence, nor for any losses that were not reasonably foreseeable to both you and us at the time you agreed to these Terms.
• No Liability for User Transactions: We are not a party to any agreement between a buyer and a seller/agent for a property. We do not accept liability for any issues arising from property transactions or rental agreements facilitated through our platform. For example, if an investment deal you found on ZARSK turns out to be unsatisfactory or fraudulent, any remedy lies against the other party (the seller/agent) and not against ZARSK. We will, however, assist law enforcement or regulators in any investigation of fraudulent listings if required, and we may take action against the offending user (such as account termination).
• We do not exclude or limit liability where it would be unlawful to do so (including for death or personal injury caused by our negligence or for fraudulent misrepresentation). However, subject to that, our liability is excluded for: indirect or consequential losses; loss of profit or business; loss of data or goodwill; and similar types of damages, as explained in the Website Terms.
• If you are dissatisfied with any aspect of the service or these Terms, your sole and exclusive remedy is to stop using the service and (if you are a subscriber) terminate your subscription.
9. Termination of Services:
• By You: You may terminate your user account at any time if you no longer wish to use the service. You can do this by contacting us to deactivate your account or using any self-service account deletion function (if available). Please note that simply canceling your subscription payment is not the same as deleting your account – if you cancel payments, your account may revert to a free/basic status at the end of the paid term, but we might retain your data unless you also request deletion per our Privacy Policy. If you terminate your account, no refunds will be given for any remaining subscription period except at our discretion (see Section 3 on cancellation).
• By Us: We may terminate or suspend your account (and/or access to subscriber content) with or without notice if: (a) you materially breach these Terms or the law; (b) we are unable to process payment and you do not promptly cure the failure; or (c) we decide to discontinue the subscription service entirely. In most cases, for minor breaches we will issue a warning and an opportunity to correct the issue, but for serious breaches (e.g. posting fraudulent content, engaging in illegal activity, or actions that harm other users or the platform), suspension or termination can be immediate. If we terminate your account for breach, you will not be entitled to any refund of fees pre-paid. If we terminate the service entirely (e.g. shutting down the platform), we will provide you with as much advance notice as is reasonably practicable along with information on any refunds (for example, we may provide pro-rata refunds for unused portions of subscriptions if we cease operations).
• Upon termination of your account, your right to access subscriber areas will cease. We may delete or anonymize your user content, or we may retain it for records or to support other users’ experience (for example, if you posted useful content in a forum, we might leave those posts but dissociate them from your profile). Our Privacy Policy details how we handle personal data post-termination.
10. Dispute Resolution: We aim to satisfy our users and encourage you to contact us to resolve any issue. If you have a complaint about the service, please reach out to our support team. We will endeavor to respond and settle the matter amicably.
If a dispute arises that we cannot resolve informally, you and ZARSK agree that the laws of England and Wales will govern these User Terms and any dispute or claim (contractual or non-contractual) arising out of or in connection with them or the services. You agree to submit to the exclusive jurisdiction of the courts of England and Wales for resolution of such disputes, provided that if you are a consumer resident in Scotland or Northern Ireland, you may choose to bring legal proceedings in your local courts as well.
Consumers may have additional avenues for dispute resolution, such as the UK’s Online Dispute Resolution (ODR) platform or alternative dispute resolution bodies, and we will inform you of such options if applicable and required by law.
11. Miscellaneous:
• No Waiver: If we do not enforce a provision of these Terms, that is not a waiver of our right to do so later.
• Severability: If any part of these Terms is found to be illegal or unenforceable, the rest will continue in full force.
• Entire Agreement: These User Terms, together with the Website Terms and any referenced policies (Privacy Policy, etc.), constitute the entire agreement between you and ZARSK regarding the use of the subscription services. They supersede any prior agreements or understandings on the same subject matter.
• Assignment: You may not assign or transfer your rights or obligations under these Terms to anyone else without our consent. We may assign our rights and obligations to an affiliate or in connection with a merger or acquisition, provided that your rights are not materially affected.
• No Partnership: Nothing in these Terms creates any agency, partnership, or joint venture between you and ZARSK. You and we are independent contracting parties.
By using the ZARSK platform and its subscription services, you acknowledge that you have read, understood, and agree to these User Terms and Conditions.