Terms of Use

Last Updated: September 2026

Welcome to ZM Softwares. These Terms of Use ("Terms") apply when you visit zmsoftwares.com or use our free online tools, business software, document generators and related services.

By using our website or services, you agree to these Terms. If you do not agree with them, please do not use the relevant service.

1. Our Services

ZM Softwares provides a combination of free online tools and commercial software. Depending on the service, this may include:

Features may change, be improved, added or removed over time as we continue to develop our services.

2. Generated Documents and User Responsibility

Our document tools are designed to help users create common business documents. They do not replace professional accounting, tax, legal or regulatory advice.

You are responsible for:

ZM Softwares does not guarantee that a generated document will satisfy every legal, tax, accounting or regulatory requirement in every country, industry or transaction.

3. Accounts, Saved Documents and Links

Some features may allow you to create an account, save documents, access a My Documents area, receive a document link by email, or use a QR code or other retrieval feature.

You are responsible for maintaining the confidentiality of your account credentials and for controlling access to document links or other information generated through your account.

If you believe your account, document link or access credentials have been compromised, please contact us promptly.

4. Acceptable Use

You agree not to use ZM Softwares services to:

5. Commercial Software and Custom Services

Commercial software, implementation, customization, support, training and custom development may be subject to separate quotations, proposals, invoices, service descriptions or written agreements.

Where a separate written agreement applies, that agreement will govern the relevant paid service to the extent that it conflicts with these general website Terms.

6. Intellectual Property

The website, software, source code, interface designs, branding, original written content and other materials created by ZM Softwares are owned by or licensed to ZM Softwares, except where otherwise stated.

You may use documents generated from our tools for your own lawful personal or business purposes. This permission does not give you ownership of our software, source code, templates, website design or brand assets.

7. Third-Party Services and Links

Our website may use or link to third-party services, websites or platforms. Those services are operated independently and may have their own terms, privacy policies and availability.

ZM Softwares is not responsible for the content, availability, security or practices of third-party websites or services that we do not control.

8. Availability and Changes to the Service

We aim to keep our website and tools available and working reliably, but we do not guarantee uninterrupted or error-free operation.

We may update, maintain, suspend or discontinue a feature when reasonably necessary for security, technical, legal or business reasons.

9. Disclaimer of Warranties

To the extent permitted by applicable law, our website, free tools and related services are provided on an "as is" and "as available" basis.

We do not guarantee that every feature will always be available, that all output will be free from errors, or that any particular tool will be suitable for every user's specific legal, tax, accounting or business requirements.

10. Limitation of Liability

To the extent permitted by applicable law, ZM Softwares will not be liable for indirect, incidental, special or consequential losses arising from use of, or inability to use, the website or free tools.

Users remain responsible for reviewing generated documents and making their own business, accounting, tax and legal decisions.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable law.

11. Privacy

Our handling of personal information is described in our Privacy Policy. Please review it for information about document data, account information, cookies, analytics, saved documents and privacy-related requests.

12. Suspension or Restriction of Access

We may restrict or suspend access to a service or account where reasonably necessary to address misuse, security risks, suspected fraud, unlawful activity or serious violations of these Terms.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, technology, business practices or applicable requirements.

The current version will be posted on this page with an updated revision date. Continued use of the website after an update means the new Terms will apply to future use of the service.

14. Contact Us

If you have questions about these Terms, contact:

ZM Softwares
Email: info@zmsoftwares.com