Terms of Use

Zip's services are delivered by people. A member of the team looks after your home and answers your messages. The portal makes that work visible and documented; it doesn't replace it, and it never sends automatic replies.

• You must be 18 or older to have an account.
• Sign in with your own email address and keep that email account secure: sign-in links are sent there. Don't share a sign-in link, a password or an authenticator code with anyone, including someone in your household; the owner can invite them instead.
• You are signed out after an hour without use. You can add two-factor sign-in for extra protection; ask the team.
• If you think someone else has got into your account, email management@zipmgroup.com straight away.

When you set up your home yourself, your portal opens straight away and a person on the team confirms the details afterwards. Until then you can write to us in words; photos, videos and documents can be added once your home is confirmed. If the team can't confirm the home, it may link your account to the household you belong to, or close the account, and will let you know.

The owner of a household decides who else may use the portal and what each person sees: everything except payments (and only the documents the owner shares), only requests and the calendar, or only statements. The owner is responsible for the people they invite and can remove their access at any time. Only the owner sees payments and saved payment methods.

The owner, and anyone the owner gave full access, can approve quotes for the household.

• Anything with a cost is quoted before the work starts.
• When you approve a quote (in the portal, or by replying YES to a text once texting is offered), you authorize Zip to do the work described in it and to charge the amounts shown, including any option you chose.
• Approving doesn't charge a card on the spot or fix a time. Timing is proposed, then confirmed with you.
• You can decline a quote. Until you approve it, the team may revise it (the new version replaces the old one) or withdraw it, with a reason you can see.

• Your membership, its monthly price and what it includes are set out in your service agreement and shown in the portal.
• Every amount on your account says what it is (membership, at cost, project fee, reserve, payment received) and whether it belongs to Management, Concierge or both. A vendor's cost passed on to you is shown at cost.
• Charges are due as your service agreement says.
• Today you pay by Zelle, check or wire, and the team records each payment with its reference. Card and bank payments through Stripe will be added later.
• Monthly owner statements for a home you rent out are prepared by the team and uploaded to the portal. Zip's portal doesn't collect rent, hold money in trust or keep rental ledgers.

Keys, door and alarm codes and access instructions you give us are used only to deliver the services you ask for, by the team and by the vendors we send for a job. Codes are encrypted when they are stored. Please tell us when you change a code.

Some work is done by independent vendors we arrange, such as plumbers, electricians or cleaners. We choose them with care and coordinate their work, and the vendor's name appears on your request. Each vendor is responsible for its own work.

Zip's services don't replace your homeowner's insurance. Please keep your own insurance for your home and belongings in place.

Zip is not an emergency service. If there is danger to people or property right now, such as a fire, a gas smell, a break-in, flooding or a medical emergency, call 911 first, then tell us. Messages are read by people and are not watched every minute.

Severe-weather alerts are a courtesy: the team may get in touch when severe weather is expected near your home, but we can't promise to warn you about every storm.

• Use Zip for your own household's affairs.
• Don't upload or send anything unlawful, harmful, or that you don't have the right to share, and never anything that could harm a computer, such as a malicious file.
• Don't try to see other people's records, test our security without permission, or overload the service.
• Files and links are accepted only from approved accounts. Until the team confirms your home, Zip doesn't accept files from you, and links you write aren't clickable for the team; the same goes for emails from people who aren't confirmed clients.
• We may remove content, or suspend an account, that breaks these rules, and we will tell you why.

What you upload and write stays yours. You allow Zip to store it, to show it to the people in your household who may see it and to the team, and to use it to deliver your services.

How we look after it is explained in our Privacy Policy.

We work to keep the portal available and accurate, but it can occasionally be unavailable, for example during maintenance, or show a mistake; tell us and we will put it right. Your service agreement sets out what Zip is responsible for and its limits; these terms don't add to or reduce them.

You can stop using Zip at any time by telling the team. We may close an account that breaks these terms, or one we can't confirm, and will tell you why. Your service agreement says how the services themselves end. When an account closes, your information is kept or deleted as our Privacy Policy describes.

We may update these terms. When we do, we change the date at the top, and for an important change we tell you in the portal or by email before it takes effect. Using Zip after that means you accept the new terms.

These terms are governed by the laws of the State of Illinois. If there is ever a disagreement, please email us first and we will try to sort it out together. If we can't, the state and federal courts in Cook County, Illinois, will decide it.

Zip Management Group LLC, Chicago, Illinois. Email management@zipmgroup.com.