Terms of Use

Acceptance of Terms

By accessing and using Zonary.io ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Use of Service

Informational Use Only

The information provided by Zonary.io is for informational and professional reference purposes. All data and information provided on this site:

• Is provided for informational and professional reference purposes
• Does not constitute legal, financial, insurance, or real estate advice
• Should be used as part of a comprehensive risk assessment process
• Users assume all risks in relying on this information
• Professional users should combine this data with other sources and expert judgment

License and Access

Subject to these Terms of Use, Zonary.io grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your legitimate business and personal use, including commercial applications such as insurance underwriting, risk assessment, and professional consulting services.

Business and Professional Use

The Service is designed to support professional workflows including:

• Real-time hazard data access for client assessments
• Integration with existing underwriting systems
• Professional reporting and documentation
• Multi-location portfolio analysis
• Historical trend analysis and risk modeling

Accuracy and Liability

Data Sources

The hazard data provided by Zonary.io is sourced from FEMA (Federal Emergency Management Agency) and other official open-data providers. We make every effort to ensure the information is accurate and up to date.

Limitations and Disclaimers

• Occasional omissions, delays, or errors may occur during data collection and processing
• Data accuracy cannot be guaranteed at all times
• Users should verify all information with official sources before making decisions
• Zonary.io shall not be liable for any damages arising from the use of this information

Liability Limitations

To the maximum extent permitted by applicable law, Zonary.io and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

User Responsibilities

Independent Verification

You are solely responsible for independently verifying any information obtained through Zonary.io before making any decisions or taking any actions based on that information. This includes, but is not limited to:

• Contacting official sources (FEMA, local authorities, etc.)
• Consulting with qualified professionals (insurance agents, attorneys, etc.)
• Conducting your own research and due diligence

Prohibited Uses

You agree not to use the Service for any unlawful purpose or to conduct any unlawful activity, including but not limited to:

• Web scraping, data mining, or automated data collection without authorization
• Creating and reselling competing databases or services using our data
• Violating any applicable laws or regulations
• Impersonating others or providing false information
• Using the service to harass, abuse, or harm others
• Attempting to reverse engineer, decompile, or disassemble the service

Permitted Business Uses

Insurance professionals, brokers, underwriters, and other qualified users may use the Service for legitimate business purposes including:

• Risk assessment and underwriting decisions
• Client consultations and advisory services
• Policy pricing and coverage recommendations
• Due diligence and property evaluations
• Professional reporting and documentation

Account Security

If you create an account, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account.

Account and Payments

Subscription Services

Certain features of Zonary.io require a paid subscription. By subscribing to our services, you agree to pay all applicable fees and charges.

Payment Terms

• All payments are processed securely through our payment providers
• Subscription fees are billed in advance on a recurring basis
• Payment information is handled in accordance with our Privacy Policy

Refunds and Cancellation

• Subscription cancellations take effect at the end of the current billing period
• Refunds are provided in accordance with our refund policy
• Unpaid or canceled accounts may lose access to premium features
• Data associated with canceled accounts may be deleted after a grace period

Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms, illegal activity, or other conduct that we determine to be harmful to the service or other users.

Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of Palm Beach County, Florida.

Modification of Terms

We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last Updated" date at the top of this page and may provide additional notice.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Contact Information

If you have any questions about these Terms of Use, please contact us: