The ToS and Privacy Policy are huge. I briefly skimmed through and stopped my analysis before reading even just 15% of the garbage. It was laughable. They list half a dozen partners and put in their terms a condition that you must agree to agree to all the terms of all their partners. LOL.
Some of my findings:
manual human labor imposed; cannot use software to access the site
(5) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise;
you agree to not use the site for any “unauthorized” purpose; who’s my dad? Who decides what purpose I am “authorized” to have?
(6) you will not use the Site for any illegal or unauthorized purpose;
No personal use? WTF? The site solicits individuals then bans them in the terms.
If you open a ZilMoney account or use the Services, you do so on behalf of a business, commercial enterprise, non-profit organization, or government entity and not in your capacity as a consumer for personal, family, or household purposes.
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You will use the Site and the Services, including without limitation any Business Payments, solely for business or commercial purposes and not for personal, family, or household purposes.
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The Site and the Services, including without limitation any Zil Money payment, disbursement, or collection functionality, are offered solely for business and commercial purposes. The Services are not intended to be used, and you agree not to use them, for personal, family, or household purposes.
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You acknowledge and agree that any external bank account you link to your Zil Money account for ACH debits or credits is used primarily for business or commercial purposes and not for personal, family, or household purposes.
“You agree to lick the boots of all of our partners, not just our boots”
Therefore, you hereby unconditionally and irrevocably acknowledge and agree that these Terms of Use of ours essentially include and integrate the terms and conditions of our service partners and/or service providers. You hereby further acknowledge and agree that by your acceptance of and agreement to our Terms of Use, you, unconditionally, irrevocably and without further action, agree to and accept the terms and conditions of our service partners and/or service providers from time to time as the weblinks to the terms and conditions of our service partners and/or service providers and provided below for your access, review and acceptance, as if those constitute integral part of our Terms of Use.
Your money is lumped into a giant single pot of money with all other customers. And that whole pot of money is only insured for $250k! LOL!
Subject to applicable requirements, including the maintenance of records identifying each beneficial owner, funds in the FBO account may be eligible for FDIC pass-through insurance coverage up to $250,000 per depositor. This limit applies to the total funds held on your behalf at the same FDIC-insured institution and is not applied separately to each individual account or sub-account.
Your business activity must be specifically approved by Zil Money.
The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
You agree not to say bad things about Zil Money or onelinecheckwriter.com
As a user of the Site, you agree not to:
4. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
You agree not to snoop on their code to try to understand how they are snooping on you.
As a user of the Site, you agree not to:
20. Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.
In forums, you agree to not say anything that they consider “objectionable”; indeed, you must be able to read their mind and know in advance what they think is objectionable.
6. Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).
They can remove any review they want
We may accept, reject, or remove reviews in our sole discretion.
You give up your right to sue them in advance.
Binding Arbitration
If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved through binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.
They are committed to protecting your right to privacy; and us stupid consumers are expected to just believe that as they provide a Microsoft email address for privacy issues.
Thank you for choosing to be part of our community at the services platform of OnlineCheckWriter.com powered by Zil Money Corporation, doing business as OnlineCheckWriter.com (“Online Check Writer”, “we”, “us”, “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at support@onlinecheckwriter.com.
Indeed, support@onlinecheckwriter.com is hosted by onlinecheckwriter-com.mail.protection.outlook.com (a surveillance advertiser).
I could not read the rest of the privacy policy because I got interrupted. And when I returned to the website (over Tor) I was blocked. That is not how you demonstrate commitment to privacy.