---
title: "Terms of service · cf0"
description: "The agreement between your firm and cf0, Corp.: accounts, acceptable use, data, fees, AI outputs and liability."
canonical: "https://cf0.ai/terms"
---

# Terms of service · cf0

The agreement between your firm and cf0, Corp.: accounts, acceptable use, data, fees, AI outputs and liability.

Updated 8 October 2026

## 1\. Who we are

cf0, Corp. (“cf0”, “we”, “us”) is a company registered in Delaware, United States, at 131 Continental Dr, Suite 305, Newark, DE 19713, United States. cf0 is an AI property manager for letting agencies and landlords.

These terms govern your use of cf0.ai, our APIs, and Zero, our agent, wherever you use it, including from AI assistants and messaging tools (together, the “Service”). They form an agreement between cf0 and you, or the firm you are acting for. By using the Service you accept them.

The [Data processing addendum](/dpa) forms part of these terms. If you have a separate signed agreement with cf0, that agreement governs and these terms fill any gaps.

We published this version of the terms and the Data processing addendum on 8 October 2026. It applies from that date to a firm that first accepts the terms on or after it. A firm that accepted an earlier version keeps that version until 7 November 2026, and this version applies to it from then. For a copy of the earlier version, ask us at the address in section 23.

## 2\. Who may use cf0

You may use the Service if you are at least 18 years old and able to enter a contract. If you are using it for a firm, you confirm you are authorised to accept these terms on that firm’s behalf, and “you” means the firm.

You may not use the Service where doing so would break the law that applies to you, or where it would put us under a registration or licensing requirement we do not hold. cf0 is not built to meet the requirements of specific regimes such as HIPAA, and is not a books-and-records or archiving system for regulatory retention purposes. If your obligations require that, cf0 is not a substitute for it.

## 3\. Accounts and organisations

Accounts are personal to the individual who holds them. Keep your credentials secure, do not share them, and tell us promptly at [luca@cf0.ai](mailto:luca@cf0.ai) if you believe an account has been compromised. You are responsible for what happens under your account.

Most accounts belong to an organisation. Where that is the case:

-   the firm controls the organisation, decides who may join, and may add or remove members;
-   administrators can see the content in the organisation’s workspace, including content you created;
-   the firm is responsible for its members’ use of the Service and for what they upload;
-   if you leave the firm, the content in the organisation’s workspace stays with the firm.

You are responsible for having the right to upload what you upload, including where it contains personal data about other people or information belonging to a third party.

## 4\. Acceptable use

Do not use the Service to:

-   break the law, or infringe anyone’s rights;
-   upload content you have no right to upload, including confidential information you are not permitted to disclose;
-   attack the Service or its infrastructure, bypass access controls or rate limits, or probe another organisation’s data;
-   reverse engineer the Service, or use it to build a competing product, except where the law says you may;
-   resell or redistribute the Service without our written agreement;
-   send spam, marketing or cold outreach through Zero, or have Zero contact a person your firm has no reason to contact;
-   put Restricted Data, as the Data processing addendum defines it, into cf0 without our written agreement;
-   impersonate someone, or misrepresent cf0 output as having been produced or verified by a person who did not produce or verify it.

Automated access is fine through our APIs and within any documented limits. Scraping the interface or evading limits is not.

## 5\. Your data and your outputs

### You own both

**Everything you put into cf0 and everything cf0 produces for you belongs to you.** That covers the documents and data your firm puts into cf0 or connects to it, and the messages Zero receives for your firm (“Customer Data”), and the messages, drafts, plans, summaries and answers the Service produces from them (“Outputs”). As between you and cf0, you own the Customer Data and the Outputs, and you may use them for any purpose, including commercially, without owing us anything further.

We claim no ownership of your Customer Data or Outputs, and nothing you upload becomes ours by uploading it.

### What you let us do

You grant cf0 a limited, non-exclusive licence to host, copy, transmit, process, and display your Customer Data and Outputs, and to pass them to the subprocessors listed in the [Data processing addendum](/dpa#subprocessor-list), for one purpose only: to operate the Service for you and to support, secure, and debug it. That licence lasts as long as we hold the content and ends when it is deleted.

**We do not train models on your Customer Data or Outputs**, and we do not sell them or use them to build features for other customers.

### Personal data

For the personal data in your Customer Data, your firm is the controller and cf0 is its processor, as the [Data processing addendum](/dpa) sets out. Your firm is responsible for having a legal basis for, and giving the required notices to, the people on its records and the people Zero contacts for it.

### Something worth knowing

Outputs are not unique to you. Another customer may receive a similar or identical answer to a similar question, and nothing here stops us from serving them.

### Feedback

If you send us suggestions or feedback about the Service, we may use them to improve cf0 without restriction or payment. This covers feedback about the product only. It does not touch your Customer Data or Outputs.

## 6\. Our intellectual property

The Service itself (the software, models, interfaces, design, documentation, and the cf0 name and marks) belongs to cf0 or our licensors. We grant you a non-exclusive, non-transferable, revocable right to use the Service for your firm’s internal business purposes for as long as these terms are in force. Everything not expressly granted is reserved.

Copyright complaints. If you believe material made publicly available through the Service, for example a shared file, infringes your copyright, email [luca@cf0.ai](mailto:luca@cf0.ai) with a description of the work, the shared link or location, your contact details, a good-faith statement that the use is unauthorised, and a statement, under penalty of perjury, that you are the rights holder or authorised to act for them. We will review it, remove material we conclude is infringing, and notify the account holder where appropriate. Repeat infringers lose their accounts.

## 7\. Connected accounts and third parties

You can connect third-party accounts (mail, calendar, property-management, file, notes and messaging tools) so cf0 can work with them. When you do, you authorise us to access that data within the scopes you grant, you confirm you are permitted to grant that access, and you accept that the third party’s own terms continue to govern its service. You can disconnect at any time.

The Service links to and draws on third-party sources and content. We do not control them and are not responsible for them.

## 8\. AI outputs and no professional advice

cf0 is built on large language models. They are useful and they are fallible. **Outputs can be incomplete, out of date, or confidently wrong, including names, dates and figures.** You are responsible for reviewing and verifying anything you rely on, and for any decision you take.

**cf0 does not provide legal, tax, or accounting advice, and is not a substitute for your professional judgement.** Proposals and drafts it produces are there for you to check, and the decision on any tenancy, work order, or notice stays with you.

Where you use cf0 output in something you give to a client or a regulator, that material is yours, and the obligation to check it is yours.

## 9\. Availability and changes

We work to keep the Service available and we publish live status. We do not offer a service level agreement or an uptime commitment, and **you should not treat cf0 as a system of record or a sole copy of anything**. Keep your own copies of material you cannot lose.

We may change, add to, or remove features. If we plan to remove or materially degrade a feature you rely on, we will give reasonable advance notice by email or in the product, unless the change is needed for security, legal, or urgent operational reasons.

## 10\. Fees and billing

Your firm pays for cf0 in one of two ways: Tasks only, or a cf0 contract.

### Tasks only

Tasks only is the plan your firm can buy on cf0.ai without a contract. A task is a piece of work a member of your staff hands to Zero, on cf0.ai or from an AI assistant such as ChatGPT or Claude. Each completed task is billed at your firm’s task price, which your firm sees on the billing page of cf0.ai before checkout. There is no monthly fee and no free trial. Tasks are billed from the first day, and task charges are invoiced monthly through our payment processor.

A task is complete when the person it concerns confirms it by reply, or when a system record shows it done. The charge becomes final 7 days after the task’s deadline, or 7 days after it is complete if that is later, and is billed after that. A task that is never completed, fails, is cancelled, runs out of time or is taken over by your staff costs nothing. Take over and Cancel stop every email Zero has not started to send; an email that is being handed to the mail provider at that moment can still arrive. If your firm cancels its billing with us, a task that is complete when the billing ends is still billed once its charge is final, and a task that is not complete by then costs nothing.

### A cf0 contract

Full Zero comes with a cf0 contract: Zero answers your firm’s phone line, WhatsApp and inbox, and runs guest agents. cf0 approves and sets up each contract firm. If your firm has a contract, its fees, how its tasks are billed and how we invoice it are as the contract says.

### Voids

An admin can void a task charge on cf0.ai within 7 days of the person confirming, with no review. In each month your firm can void 1 charge or 10% of the tasks confirmed that month, whichever is more, rounding the 10% down. For anything beyond that, email us and we will look at it.

### The monthly cap

An admin sets a monthly cap on task charges at checkout and can change it on cf0.ai at any time. Zero takes no new task once the next one would go over the cap, until the next month starts. A lowered cap applies to new tasks only, and a cap of 0 turns tasks off.

### What a month means

In this section, a month is your firm’s billing period with our payment processor. It runs from the date your firm’s billing with us started, or from the renewal date we agreed with you, to the same date the next month. Voids, the cap and invoices all follow it.

### Payment

On the Tasks only plan, payments are processed by Stripe. You enter your card details, your firm’s business name, its address and, where your country has one, its tax ID on Stripe’s own checkout page. Card details never reach cf0. The business details are how we verify your firm: Zero sends nothing on a task until they are in place. Invoices and payment methods are managed in Stripe’s billing portal, which you open from cf0.ai.

### Taxes, refunds and price changes

Prices are in US dollars and do not include tax. Where we have to charge tax, it is added to the invoice based on the address and tax ID given at checkout.

Fees already paid are not refundable except where the law requires it or we agree otherwise in writing. If we change a price, we will tell you before the change applies to you, and you can cancel rather than accept it.

If you are on a free, evaluation or pilot plan, we may change or end it at any time.

## 11\. Using Zero from AI assistants

Your staff can reach Zero from an AI assistant such as ChatGPT or Claude. How to connect, and what Zero does there, is on the [support page](/support#assistants).

-   **Your firm chooses the assistant.** The assistant comes from its own provider, such as OpenAI or Anthropic, under your firm’s or your staff member’s own agreement with that provider. cf0 does not provide it. Whatever Zero returns to the assistant is then held under that provider’s terms and data practices, not ours. Depending on the plan and its settings, a provider may keep conversations or use them to train its models, so check them before you connect.
-   **Results describe people by role and property, never with contact details.** A person on your firm’s records appears as a reference code with their role. Email addresses, phone numbers and access codes are removed. A name that is not on your firm’s records, such as one your staff type into the chat, is passed back as written.
-   **Approvals bind your firm.** Anyone at your firm who can approve a message on cf0.ai can approve an ordinary one from the assistant, after a preview showing the recipient’s role and reference code, the property, the send time in your firm’s time zone and the full message, with the recipient’s details replaced by the reference code. That approval counts the same as one given on cf0.ai. Only ordinary emails, guest messages, property-management system updates, calendar changes and cleaner visits can be approved from an assistant. These can only be approved on cf0.ai: messages to 10 or more people; Zero’s first emails to 10 or more people it never emailed before, handed to it by one member in 24 hours; email replies; documents; messages too long to show in full; and messages holding sensitive content, such as an access code, a phone number or an email address.
-   **One person per task, by email.** Each task concerns one person on your firm’s records. A staff member can also add a new person from the assistant with their name, email address, role and property. Zero first shows those details, and adds the person only after the staff member confirms them. Zero contacts the person by email only, from your firm’s Zero email address, as your firm, and only after a member of your staff approves the email. Your firm is responsible for the details its staff give and for having a reason to contact the person.
-   **Zero says it is an AI.** The first time Zero writes to a person, it tells them it is your team’s AI assistant, and it never claims to be a person.
-   **Zero never moves money.** It does not take, send or refund payments, and it never asks for card or bank details. It can remind a current tenant about late rent, with the amount and due date your firm gives. It also takes no task about cold outreach to people your firm has no relationship with, tenant screening checks, legal notices or emergencies.

Access follows your firm’s membership in cf0. When someone leaves your firm in cf0, their assistant loses access to Zero at their next request.

## 12\. Zero’s email address

When an admin sets up your firm’s billing on cf0.ai and it is ready for tasks, cf0 creates a Zero email address for your firm on agents.cf0.ai, a domain that cf0 owns. Its name comes from your firm’s name and a short code, for example harbourside-short-lets-k7mq@agents.cf0.ai. A firm on a cf0 contract can create the same address in Setup on cf0.ai. Instead of it, your firm can connect its own domain.

-   Zero sends email from this address for your firm, with Zero’s name and your firm’s name as the sender name, for example “Zero - Harbourside Short Lets”, and reads the replies to do its work. Every email that Zero drafts on a task waits until a member of your staff approves it.
-   Your firm may use the address for as long as it uses Zero. The domain stays cf0’s. When the address is removed, for example because your firm moves Zero to its own domain or its account closes, the mailbox and the mail in it are deleted, and replies to earlier emails no longer reach Zero.
-   Every firm’s address shares the same domain, so mail from one firm affects the delivery of mail from all of them. Sending that breaks section 4 is a risk to other customers under section 15. Zero also has its own sending limits, such as at most 25 new email threads for each firm in 24 hours.

## 13\. Confidentiality

Each of us may receive confidential information from the other. We will not disclose your confidential information, including your Customer Data, to anyone except the subprocessors listed in the [Data processing addendum](/dpa#subprocessor-list), our staff and advisers who need it and are under confidentiality obligations, or where the law compels disclosure. Where we are legally compelled and permitted to tell you, we will.

## 14\. Privacy and data processing

How we handle personal data is set out in our [Privacy policy](/privacy), which forms part of these terms. It describes what we collect, how long we keep it, how deletion works, and what we do and do not commit to. Read it. It is written to be accurate rather than reassuring.

When cf0 processes personal data for your firm, the [Data processing addendum](/dpa) applies. It forms part of these terms. It sets out our duties as your firm’s processor, names our subprocessors, and includes the Standard Contractual Clauses for transfers out of the EEA, the UK and Switzerland.

## 15\. Term, suspension and termination

These terms apply for as long as you use the Service. You may stop at any time, and you may ask us to close your account and delete your data by emailing [luca@cf0.ai](mailto:luca@cf0.ai).

We may suspend or terminate access if you materially breach these terms, if your use creates a legal or security risk to us or to other customers, or if you do not pay. Except where a breach is serious or urgent, we will tell you what the problem is and give you a reasonable chance to fix it first.

On termination your right to use the Service ends. For 30 days afterwards you may ask us to export your Customer Data and Outputs, and we will provide them in a structured, machine-readable format. After that we may delete them. Deletion works as described in our [Privacy policy](/privacy) and the [Data processing addendum](/dpa#deletion). Sections that by their nature should survive do so: ownership, confidentiality, the Data processing addendum for as long as we hold your data, fees that are due, disclaimers, liability, indemnity, and governing law.

## 16\. Disclaimers

The Service is provided on an “as is” and “as available” basis. To the fullest extent the law allows, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be uninterrupted or error-free, or that Outputs will be accurate, complete, or suitable for any particular purpose. Some jurisdictions do not allow certain exclusions, in which case they do not apply to you.

## 17\. Limitation of liability

To the fullest extent the law allows, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, lost data, or loss of rental income, even if warned they were possible.

Each party’s total liability arising out of or relating to these terms is limited to the amounts you paid cf0 in the 12 months before the event giving rise to the claim. If you have paid us nothing, our total liability is limited to US $100. This limit applies to all claims together, including claims under the Data processing addendum, and more than one claim does not raise it.

These limits do not apply to your obligation to pay fees, to either party’s indemnity obligations, or to liability that cannot be limited by law. Some jurisdictions do not allow these limits, in which case they do not apply to you.

## 18\. Indemnification

You will defend and indemnify cf0 against third-party claims, and reasonable legal costs, arising from your Customer Data, your use of the Service in breach of these terms, or your violation of law or of a third party’s rights.

We will defend and indemnify you against third-party claims that the Service itself, used as permitted, infringes that party’s intellectual property rights.

In each case the indemnified party must give prompt notice, let the other control the defence, and provide reasonable cooperation.

## 19\. Changes to these terms

We may update these terms. The date at the top of the page shows when they last changed, and section 1 says from when the current version applies. If a change materially affects your rights or obligations, we will give notice by email to account holders or in the product at least 30 days before it takes effect for a firm that already uses the Service, unless a shorter period is needed for legal or security reasons. A firm that first accepts these terms after a change accepts the changed terms.

If you do not accept a change, stop using the Service and tell us before it takes effect; we will refund any unused prepaid fees for the remainder of your period. Continuing to use the Service after a change takes effect means you accept it.

## 20\. Governing law and disputes

These terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law rules.

If a dispute arises, email [luca@cf0.ai](mailto:luca@cf0.ai) first and we will try to resolve it directly within 30 days. In practice this settles almost everything. If it does not, the state and federal courts located in New Castle County, Delaware have exclusive jurisdiction, and both parties consent to venue there. Either party may seek injunctive relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

Nothing here removes any right you have to bring proceedings in your own country where the law gives you that right and it cannot be contracted out of.

## 21\. General

These terms, together with the [Privacy policy](/privacy), the [Data processing addendum](/dpa) and any signed agreement between us, are the entire agreement about the Service. If a provision is unenforceable, the rest stands. Not enforcing something once does not waive it. You may not assign these terms without our consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. Neither party is liable for failure caused by events beyond its reasonable control. Nothing here creates a partnership, agency, or employment relationship.

Electronic communications and signature. You agree that we may provide notices and records to you electronically (by email to your account address or in the product) and that electronic signatures satisfy any requirement for a written signature between us. You can withdraw that consent for non-service communications by emailing us; service and legal notices will still come electronically while your account exists.

Export control. You will not use the Service on behalf of any person or entity that is subject to US sanctions, nor export, re-export, or transfer anything you receive from us in breach of US export-control laws.

California users. Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd, Suite N-112, Sacramento, CA 95834, or by telephone at (800) 952-5210, regarding the Service. Our provider contact details are in section 23 below.

Notices to you go to your account email; notices to us go to [luca@cf0.ai](mailto:luca@cf0.ai).

## 22\. Text messages (SMS)

This section applies to anyone who gets text messages from cf0, including renters and residents. The cf0 text program sends you messages about the homes you ask about on cf0: answers to your questions, viewing times, and updates when the owner or the owner’s agent takes over your enquiry. If you live in a home that cf0 manages and you report a repair to cf0 by phone or on the web, cf0 also texts you updates about that repair. We do not send marketing texts.

-   **Opt-in.** You opt in when you add your mobile number to a viewing request on cf0.ai/homes, next to the text that describes this program, or when you text the cf0 lettings number first. For repair updates, you opt in when you say yes to texts on the repair call or on the repair form. Giving your number is optional. Consent to texts is not a condition of renting a home, of getting a repair, or of any purchase.
-   **Message frequency.** Message frequency varies with your enquiry or repair.
-   **Rates.** Message and data rates may apply.
-   **Stop.** Reply STOP to cancel at any time. UNSUBSCRIBE, CANCEL, END and QUIT also work. We send one message to confirm, and then no more texts unless you opt in again by replying START.
-   **Help.** Reply HELP for help, or email [luca@cf0.ai](mailto:luca@cf0.ai).
-   **Carriers.** Mobile carriers are not liable for delayed or undelivered messages.
-   **Privacy.** How we handle your mobile number is in the [Text messages section of our Privacy policy](/privacy#sms).

## 23\. Contact

Questions about these terms, or about anything else, go to [luca@cf0.ai](mailto:luca@cf0.ai). A person reads that address.

cf0, Corp.  
131 Continental Dr  
Suite 305  
Newark, DE 19713  
United States  
[luca@cf0.ai](mailto:luca@cf0.ai)