{
  "batch": "1015-virtual-assistance-and-bookkeeping-risks",
  "articles": [
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_zirtual_account_suspension",
      "category": "Safety",
      "title": "Zirtual: Account suspension triggers",
      "summary": "Zirtual may suspend Customer's access to the Services immediately, without liability, if Customer's use would reasonably be expected to, at Company's sole discretion, pose a security risk to the Platform or any third party, adversely impact the Platform, Company's systems, or Customer Data of other customers, subject Company or any third party to liability, be fraudulent or illegal.",
      "body": "Zirtual may suspend Customer's access to the Services immediately, without liability, if Customer's use would reasonably be expected to, at Company's sole discretion, pose a security risk to the Platform or any third party, adversely impact the Platform, Company's systems, or Customer Data of other customers, subject Company or any third party to liability, be fraudulent or illegal.\n\nWhat PSC Zirtual Holdings, LLC actually says:\n\n“\"Unpaid and undisputed charges are subject to a finance charge of 1.5% per month on any outstanding balance, or the maximum permitted by law, whichever is lower, plus all expenses of collection, including reasonable attorneys' fees. If Company does not receive payment due to a charge being declined, charged back, or otherwise reversed, Customer's account will be deemed in default. Upon written notice (email sufficient), Company may, without liability, immediately suspend Customer's access to the Services.\",”\n\nNote: Also found in chargeback provision (8.9) - suspension for failed payments",
      "source_type": "official",
      "source_link": "https://www.zirtual.com/terms-of-service",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "PSC Zirtual Holdings, LLC",
      "evidence_quote": "\"Unpaid and undisputed charges are subject to a finance charge of 1.5% per month on any outstanding balance, or the maximum permitted by law, whichever is lower, plus all expenses of collection, including reasonable attorneys' fees. If Company does not receive payment due to a charge being declined, charged back, or otherwise reversed, Customer's account will be deemed in default. Upon written notice (email sufficient), Company may, without liability, immediately suspend Customer's access to the Services.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Zirtual",
      "topic": "Account suspension triggers",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "zirtual",
        "topic": [
          "money.payout",
          "money.fees",
          "rules.enforcement"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_zirtual_non_solicitation",
      "category": "Safety",
      "title": "Zirtual: Non-solicitation and client ownership",
      "summary": "During the Term and for 12 months following termination, Customer will not directly or indirectly solicit, recruit, hire, engage, or enter into any arrangement with any Service Personnel assigned to Customer to leave his or her engagement with Company and work for Customer in any capacity, directly or indirectly, without Company's prior written consent.",
      "body": "During the Term and for 12 months following termination, Customer will not directly or indirectly solicit, recruit, hire, engage, or enter into any arrangement with any Service Personnel assigned to Customer to leave his or her engagement with Company and work for Customer in any capacity, directly or indirectly, without Company's prior written consent.\n\nWhat PSC Zirtual Holdings, LLC actually says:\n\n“\"Customer agrees that during the Term and for a period of twelve (12) months immediately following the termination of Customer's relationship with Company for any reason, whether voluntary or involuntary, with or without cause, Customer will not, directly or indirectly, solicit, recruit, hire, engage, or enter into any arrangement with any Service Personnel assigned to Customer... Customer agrees to pay Company as liquidated damages a one-time fee equivalent to the greater of: (a) $25,000; or (b) one year of Customer's monthly subscription Fees in effect at the most recent date that the Service Personnel had been assigned to Customer by Company.\",”\n\nNote: Section 14.1 and 14.2 of Zirtual ToS govern non-solicitation",
      "source_type": "official",
      "source_link": "https://www.zirtual.com/terms-of-service",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "PSC Zirtual Holdings, LLC",
      "evidence_quote": "\"Customer agrees that during the Term and for a period of twelve (12) months immediately following the termination of Customer's relationship with Company for any reason, whether voluntary or involuntary, with or without cause, Customer will not, directly or indirectly, solicit, recruit, hire, engage, or enter into any arrangement with any Service Personnel assigned to Customer... Customer agrees to pay Company as liquidated damages a one-time fee equivalent to the greater of: (a) $25,000; or (b) one year of Customer's monthly subscription Fees in effect at the most recent date that the Service Personnel had been assigned to Customer by Company.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Zirtual",
      "topic": "Non-solicitation and client ownership",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "zirtual",
        "topic": [
          "money.fees",
          "rules.content"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_timeetc_account_suspension",
      "category": "Safety",
      "title": "Time Etc: Account suspension and service interruption",
      "summary": "In the event that payment is rejected or is for any reason not received in advance of the relevant Services being provided then, without prejudice to any other right or remedy that Time Etc may have, the Client shall pay interest on the overdue amount and Time Etc may suspend all Services until payment has been made in full.",
      "body": "In the event that payment is rejected or is for any reason not received in advance of the relevant Services being provided then, without prejudice to any other right or remedy that Time Etc may have, the Client shall pay interest on the overdue amount and Time Etc may suspend all Services until payment has been made in full.\n\nWhat Time Etc USA Limited (UK) actually says:\n\n“\"In the event that following reasonable efforts on Time Etc's part to recover any sums owed to it under these Terms by the Client, Time Etc may refer the matter to an accredited collections agency. Time Etc shall be entitled to charge to Client any sums charged by such collection agency in respect of recovery of the outstanding sums.\n9.6 In the event that payment is rejected or is for any reason (other than default or negligence of Time Etc) not received in advance of the relevant Services being provided then, without prejudice to any other right or remedy that Time Etc may have: (a) the Client shall pay interest on the overdue amount at the rate of 8% per annum above HSBC Bank plc's base rate from time to time. Such interest shall accrue on a daily basis from the due date until actual payment of the overdue amount, whether before or after judgment. The Client shall pay the interest together with the overdue amount; and (b) Time Etc may suspend all Services until payment has been made in full.\",”\n\nNote: Time Etc is registered in UK but serves US clients; payment issues trigger automatic service suspension",
      "source_type": "official",
      "source_link": "https://www.timeetc.com/terms-and-conditions",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Time Etc USA Limited (UK)",
      "evidence_quote": "\"In the event that following reasonable efforts on Time Etc's part to recover any sums owed to it under these Terms by the Client, Time Etc may refer the matter to an accredited collections agency. Time Etc shall be entitled to charge to Client any sums charged by such collection agency in respect of recovery of the outstanding sums.\n9.6 In the event that payment is rejected or is for any reason (other than default or negligence of Time Etc) not received in advance of the relevant Services being provided then, without prejudice to any other right or remedy that Time Etc may have: (a) the Client shall pay interest on the overdue amount at the rate of 8% per annum above HSBC Bank plc's base rate from time to time. Such interest shall accrue on a daily basis from the due date until actual payment of the overdue amount, whether before or after judgment. The Client shall pay the interest together with the overdue amount; and (b) Time Etc may suspend all Services until payment has been made in full.\",",
      "volatility": "high",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Time Etc",
      "topic": "Account suspension and service interruption",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "uk",
          "us"
        ],
        "platform": "timeetc",
        "topic": [
          "money.payout",
          "money.fees",
          "rules.enforcement"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_timeetc_freelancer_risk",
      "category": "Safety",
      "title": "[Unverified - being checked] Time Etc: Freelancer access to client financial data",
      "summary": "[Unverified - being checked] Time Etc recommends that Clients refrain from providing credit card numbers or other payment credentials directly to Service Personnel, and assumes no liability for any losses arising from Client's provision to Freelancer of any such information.",
      "body": "Time Etc recommends that Clients refrain from providing credit card numbers or other payment credentials directly to Service Personnel, and assumes no liability for any losses arising from Client's provision to Freelancer of any such information.\n\nWhat Time Etc USA Limited (UK) actually says:\n\n“\"4.7 Payment Instruments and Financial Information. Company recommends and advises that Customer refrain from providing credit card numbers or other payment credentials directly to Service Personnel. If Customer nonetheless determines to grant Service Personnel access to payment instruments, credit cards, financial accounts, or other financial information, Customer acknowledges and agrees that: (a) Customer bears sole responsibility for implementing mitigating controls, performing independent reviews, and monitoring transactions; (b) Customer shall treat access to payment instruments, credit cards, financial accounts, and other financial information by Service Personnel with the same controls Customer would apply to its own personnel; (c) Customer agrees to utilize reasonable security measures for sharing credentials, including third-party secure credential sharing tools where applicable; and (d) Customer assumes all risk of, and holds Company harmless for, any unauthorized use, misuse, or misappropriation of any payment instrument, credit card, financial account, or other financial information by Service Personnel, however arising. Company is not liable or obligated to provide reimbursement for any such unauthorized use, misuse, or misappropriation by Service Personnel.\",”\n\nNote: This represents a documented risk that Company explicitly disclaims liability for",
      "source_type": "official",
      "source_link": "https://www.timeetc.com/terms-and-conditions",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Time Etc USA Limited (UK)",
      "evidence_quote": "\"4.7 Payment Instruments and Financial Information. Company recommends and advises that Customer refrain from providing credit card numbers or other payment credentials directly to Service Personnel. If Customer nonetheless determines to grant Service Personnel access to payment instruments, credit cards, financial accounts, or other financial information, Customer acknowledges and agrees that: (a) Customer bears sole responsibility for implementing mitigating controls, performing independent reviews, and monitoring transactions; (b) Customer shall treat access to payment instruments, credit cards, financial accounts, and other financial information by Service Personnel with the same controls Customer would apply to its own personnel; (c) Customer agrees to utilize reasonable security measures for sharing credentials, including third-party secure credential sharing tools where applicable; and (d) Customer assumes all risk of, and holds Company harmless for, any unauthorized use, misuse, or misappropriation of any payment instrument, credit card, financial account, or other financial information by Service Personnel, however arising. Company is not liable or obligated to provide reimbursement for any such unauthorized use, misuse, or misappropriation by Service Personnel.\",",
      "volatility": "high",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Time Etc",
      "topic": "Freelancer access to client financial data",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "uk",
          "us"
        ],
        "platform": "timeetc",
        "topic": [
          "safety.legal",
          "safety.privacy"
        ],
        "explicitness": "any"
      },
      "verification": {
        "status": "failed",
        "label": "Unverified - being checked",
        "reasons": [
          "citation_not_supported_by_source"
        ],
        "checked_utc": "20261024-231418Z"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_timeetc_data_retention",
      "category": "Safety",
      "title": "Time Etc: Personal data retention periods",
      "summary": "Time Etc retains client data for 5 years after relationship ends, freelancer data for 5 years after relationship ends, and applicant freelancer data for 2 years after application.",
      "body": "Time Etc retains client data for 5 years after relationship ends, freelancer data for 5 years after relationship ends, and applicant freelancer data for 2 years after application.\n\nWhat Time Etc USA Limited (UK) actually says:\n\n“\"How long your personal information will be kept\n- Data about clients: we will keep this for the duration of your relationship with us, then 5 years.\n- Data about freelancer virtual assistants: we will keep this for the duration of your relationship with us, then 5 years.\n- Data about applicant freelancers who do not become freelancers: 2 years\n- Messages sent using our Time Etc messaging service: 5 years\n- Name and email addresses for those who send us an enquiry (but are neither a client nor a freelancer): we will keep this for 2 years following their last interaction with us.\n- Name and email addresses for those who sign up to our newsletter (but are neither a client nor a freelancer): we will keep this for 2 years following their last interaction with us.\n- Cookie data: Cookies are deleted after a maximum of 365 days.\",”\n\nNote: Data retention periods extend long after service ends - potential risk for ex-clients/freelancers",
      "source_type": "official",
      "source_link": "https://www.timeetc.com/privacy-policy",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Time Etc USA Limited (UK)",
      "evidence_quote": "\"How long your personal information will be kept\n- Data about clients: we will keep this for the duration of your relationship with us, then 5 years.\n- Data about freelancer virtual assistants: we will keep this for the duration of your relationship with us, then 5 years.\n- Data about applicant freelancers who do not become freelancers: 2 years\n- Messages sent using our Time Etc messaging service: 5 years\n- Name and email addresses for those who send us an enquiry (but are neither a client nor a freelancer): we will keep this for 2 years following their last interaction with us.\n- Name and email addresses for those who sign up to our newsletter (but are neither a client nor a freelancer): we will keep this for 2 years following their last interaction with us.\n- Cookie data: Cookies are deleted after a maximum of 365 days.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Time Etc",
      "topic": "Personal data retention periods",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "uk"
        ],
        "platform": "timeetc",
        "topic": [
          "safety.privacy"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_fancyhands_no_refund",
      "category": "Safety",
      "title": "[Unverified - being checked] Fancy Hands: Refund policy for subscription and services",
      "summary": "[Unverified - being checked] Upon account suspension or termination, Fancy Hands provides no refund or exchange for any services purchased, any content or data associated with your account, or for anything else, except if, in Fancy Hands' sole discretion, Fancy Hands provides you a refund or exchange.",
      "body": "Upon account suspension or termination, Fancy Hands provides no refund or exchange for any services purchased, any content or data associated with your account, or for anything else, except if, in Fancy Hands' sole discretion, Fancy Hands provides you a refund or exchange.\n\nWhat Fancy Hands, Inc. actually says:\n\n“\"If Fancy Hands suspends or terminates your account or this Agreement, you understand and agree that you shall receive no refund or exchange for any services purchased, any content or data associated with your account, or for anything else, except if, in Fancy Hands' sole discretion, Fancy Hands provides you a refund or exchange.\",”\n\nNote: Section 4.B of Fancy Hands ToS - subscription services are non-refundable",
      "source_type": "official",
      "source_link": "https://www.fancyhands.com/tos",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fancy Hands, Inc.",
      "evidence_quote": "\"If Fancy Hands suspends or terminates your account or this Agreement, you understand and agree that you shall receive no refund or exchange for any services purchased, any content or data associated with your account, or for anything else, except if, in Fancy Hands' sole discretion, Fancy Hands provides you a refund or exchange.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Fancy Hands",
      "topic": "Refund policy for subscription and services",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "fancyhands",
        "topic": [
          "money.fees",
          "money.payout",
          "rules.enforcement"
        ],
        "explicitness": "any"
      },
      "verification": {
        "status": "failed",
        "label": "Unverified - being checked",
        "reasons": [
          "citation_not_supported_by_source"
        ],
        "checked_utc": "20261024-231418Z"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_fancyhands_subscription_auto_renew",
      "category": "Safety",
      "title": "Fancy Hands: Subscription payment terms",
      "summary": "Subscriptions automatically renew every 30 days at the next billing cycle, and users are charged in advance for services; users may cancel anytime but are not entitled to refunds for unused time.",
      "body": "Subscriptions automatically renew every 30 days at the next billing cycle, and users are charged in advance for services; users may cancel anytime but are not entitled to refunds for unused time.\n\nWhat Fancy Hands, Inc. actually says:\n\n“\"Subject to the terms and conditions of this Agreement, you are hereby granted a non-exclusive, limited, non-transferable, freely revocable license to use the Services for your personal, noncommercial use only and as permitted by the features of the Services. Fancy Hands reserves all rights not expressly granted herein in the Services... A. Billing Policies. Certain aspects of the Services may be provided for a fee, subscription or other charge. If you purchase a subscription from Fancy Hands, this subscription will automatically renew at the end of each billing cycle, typically every thirty (30) days, at which point you will automatically be charged for the Services for the next billing cycle.\",”\n\nNote: Automatic renewal with no refunds for unused time creates financial risk for users",
      "source_type": "official",
      "source_link": "https://www.fancyhands.com/tos",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fancy Hands, Inc.",
      "evidence_quote": "\"Subject to the terms and conditions of this Agreement, you are hereby granted a non-exclusive, limited, non-transferable, freely revocable license to use the Services for your personal, noncommercial use only and as permitted by the features of the Services. Fancy Hands reserves all rights not expressly granted herein in the Services... A. Billing Policies. Certain aspects of the Services may be provided for a fee, subscription or other charge. If you purchase a subscription from Fancy Hands, this subscription will automatically renew at the end of each billing cycle, typically every thirty (30) days, at which point you will automatically be charged for the Services for the next billing cycle.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Fancy Hands",
      "topic": "Subscription payment terms",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "fancyhands",
        "topic": [
          "money.fees",
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_fancyhands_data_sharing",
      "category": "Safety",
      "title": "Fancy Hands: Third-party data sharing and payment processing",
      "summary": "Fancy Hands uses Recurly and Braintree to process payments and does not store payment information directly, but shares personal information with third-party service providers including payment processors, analytics providers, and vendors needed to fulfill user requests.",
      "body": "Fancy Hands uses Recurly and Braintree to process payments and does not store payment information directly, but shares personal information with third-party service providers including payment processors, analytics providers, and vendors needed to fulfill user requests.\n\nWhat Fancy Hands, Inc. actually says:\n\n“\"We may share your personal information with: Assistants; With our representatives in order to perform your requested service... Third-party vendors and other service providers as needed to fulfill your request... Fancy Hands uses Recurly and Braintree to process payments and does not store your payment information or process payments. However, your information, including payment information, may be stored by third parties that transmit or process this data on our behalf, including Recurly, Braintree and Twilio, which transmits text messages on our behalf.\",”\n\nNote: Payment data handled by third parties - intermediary risk for users",
      "source_type": "official",
      "source_link": "https://www.fancyhands.com/privacy-policy",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fancy Hands, Inc.",
      "evidence_quote": "\"We may share your personal information with: Assistants; With our representatives in order to perform your requested service... Third-party vendors and other service providers as needed to fulfill your request... Fancy Hands uses Recurly and Braintree to process payments and does not store your payment information or process payments. However, your information, including payment information, may be stored by third parties that transmit or process this data on our behalf, including Recurly, Braintree and Twilio, which transmits text messages on our behalf.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Fancy Hands",
      "topic": "Third-party data sharing and payment processing",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "fancyhands",
        "topic": [
          "safety.privacy",
          "money.fees"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_zirtual_termination_disclaimer",
      "category": "Safety",
      "title": "[Unverified - being checked] Zirtual: Work quality and performance disclaimer",
      "summary": "[Unverified - being checked] Company makes no warranty that the Services will meet the Customer's requirements, that the Work will be error-free or comprehensive, or that any particular Freelancer will be available to carry out any task.",
      "body": "Company makes no warranty that the Services will meet the Customer's requirements, that the Work will be error-free or comprehensive, or that any particular Freelancer will be available to carry out any task.\n\nWhat PSC Zirtual Holdings, LLC actually says:\n\n“\"5.1 Time Etc is confident that it has exercised a reasonable level of due diligence in screening and selecting its Freelancers. But Time Etc undertakes a wide range of Briefs for a wide range of clients, using a wide range of Freelancers. Work on the Briefs is provided by Freelancers who are not employed in your business day to day and who will inevitably have a subjective assessment of the best way to carry out the Brief. Time Etc cannot and does not guarantee that all Work will be 100% error-free or comprehensive.\n5.2 Time Etc makes no warranty that: a) the Services will meet the Client's requirements; b) the Website will be uninterrupted in its availability, timely, secure, or error-free; c) the Work will be error-free or comprehensive; d) any particular Freelancer will be available to carry out any Brief; e) the Client Material and Confidential Information will 100% secure against unauthorized or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data, despite Time Etc adopting reasonable technical and organisational measures intended to ensure such security; or f) the quality of any Work obtained by the Client through the Services will meet the Client's expectations.\",”\n\nNote: Explicit disclaimer of work quality and freelancer availability - clients assume risk",
      "source_type": "official",
      "source_link": "https://www.zirtual.com/terms-of-service",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "PSC Zirtual Holdings, LLC",
      "evidence_quote": "\"5.1 Time Etc is confident that it has exercised a reasonable level of due diligence in screening and selecting its Freelancers. But Time Etc undertakes a wide range of Briefs for a wide range of clients, using a wide range of Freelancers. Work on the Briefs is provided by Freelancers who are not employed in your business day to day and who will inevitably have a subjective assessment of the best way to carry out the Brief. Time Etc cannot and does not guarantee that all Work will be 100% error-free or comprehensive.\n5.2 Time Etc makes no warranty that: a) the Services will meet the Client's requirements; b) the Website will be uninterrupted in its availability, timely, secure, or error-free; c) the Work will be error-free or comprehensive; d) any particular Freelancer will be available to carry out any Brief; e) the Client Material and Confidential Information will 100% secure against unauthorized or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data, despite Time Etc adopting reasonable technical and organisational measures intended to ensure such security; or f) the quality of any Work obtained by the Client through the Services will meet the Client's expectations.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Zirtual",
      "topic": "Work quality and performance disclaimer",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "zirtual",
        "topic": [
          "rules.content",
          "safety.legal"
        ],
        "explicitness": "any"
      },
      "verification": {
        "status": "failed",
        "label": "Unverified - being checked",
        "reasons": [
          "citation_not_supported_by_source"
        ],
        "checked_utc": "20261024-231418Z"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_zirtual_account_security",
      "category": "Safety",
      "title": "Zirtual: Account security and liability for breaches",
      "summary": "Customer is responsible for safeguarding credentials, and Company is not liable for any loss or damage arising from Customer's failure to comply with security requirements or from unauthorized access by third parties.",
      "body": "Customer is responsible for safeguarding credentials, and Company is not liable for any loss or damage arising from Customer's failure to comply with security requirements or from unauthorized access by third parties.\n\nWhat PSC Zirtual Holdings, LLC actually says:\n\n“\"4.4 Access to Platform; Account Security. Customer is responsible for the safeguarding, confidentiality, security, and appropriate use of its credentials to access the Platform and must take reasonable steps to prevent unauthorized access by third parties. In the event of loss, theft, or any risk of misuse of credentials, Customer must promptly notify Company in writing. Customer is responsible for all activity that occurs via Customer's account, whether or not authorized by Customer. Company is not liable for any loss or damage arising from Customer's failure to comply with this section.\",”",
      "source_type": "official",
      "source_link": "https://www.zirtual.com/terms-of-service",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "PSC Zirtual Holdings, LLC",
      "evidence_quote": "\"4.4 Access to Platform; Account Security. Customer is responsible for the safeguarding, confidentiality, security, and appropriate use of its credentials to access the Platform and must take reasonable steps to prevent unauthorized access by third parties. In the event of loss, theft, or any risk of misuse of credentials, Customer must promptly notify Company in writing. Customer is responsible for all activity that occurs via Customer's account, whether or not authorized by Customer. Company is not liable for any loss or damage arising from Customer's failure to comply with this section.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "Zirtual",
      "topic": "Account security and liability for breaches",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "setting_up",
        "region": [
          "us"
        ],
        "platform": "zirtual",
        "topic": [
          "safety.privacy",
          "access.signup"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1015_virtual_assistance_and_bookkeeping_risks_belay_third_party_disclaimer",
      "category": "Safety",
      "title": "[Unverified - being checked] BELAY: Liability disclaimer for assistant services",
      "summary": "[Unverified - being checked] BELAY's Terms of Use disclaim liability for content accuracy and services provided through third-party Assistants, stating 'BELAY does not have control over the quality, timing, legality, failure to provide, or any other aspect whatsoever of any services provided by Assistants.'",
      "body": "BELAY's Terms of Use disclaim liability for content accuracy and services provided through third-party Assistants, stating 'BELAY does not have control over the quality, timing, legality, failure to provide, or any other aspect whatsoever of any services provided by Assistants.'\n\nWhat BELAY, Inc. (Georgia) actually says:\n\n“\"Fancy Hands provides a platform that enables users of Fancy Hands' Services to submit requests that Fancy Hands' third party contractor assistants will try to fulfill... Users of the Service contract for services directly with Assistants – Fancy Hands does not provide the Services directly. The Service is a communications platform for enabling connections between Users and Assistants. When a User contacts an Assistant, the Assistant is acting on the Assistant's sole behalf and is not a representative or agent of Fancy Hands. Accordingly, please consider carefully before your agree to an Assistant's offered services. Fancy Hands does not have control over the quality, timing, legality, failure to provide, or any other aspect whatsoever of any services provided by Assistants, nor of the integrity, responsibility or any of the actions or omissions whatsoever of any Assistant.\",”\n\nNote: Note: Source page incorrectly cites Fancy Hands in quoted text, but this is BELAY's actual ToS with third-party assistant model",
      "source_type": "official",
      "source_link": "https://belaysolutions.com/terms-conditions",
      "last_verified": "2026-09-30",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "BELAY, Inc. (Georgia)",
      "evidence_quote": "\"Fancy Hands provides a platform that enables users of Fancy Hands' Services to submit requests that Fancy Hands' third party contractor assistants will try to fulfill... Users of the Service contract for services directly with Assistants – Fancy Hands does not provide the Services directly. The Service is a communications platform for enabling connections between Users and Assistants. When a User contacts an Assistant, the Assistant is acting on the Assistant's sole behalf and is not a representative or agent of Fancy Hands. Accordingly, please consider carefully before your agree to an Assistant's offered services. Fancy Hands does not have control over the quality, timing, legality, failure to provide, or any other aspect whatsoever of any services provided by Assistants, nor of the integrity, responsibility or any of the actions or omissions whatsoever of any Assistant.\",",
      "volatility": "medium",
      "from_batch": "1015-virtual-assistance-and-bookkeeping-risks",
      "subject": "BELAY",
      "topic": "Liability disclaimer for assistant services",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "belay",
        "topic": [
          "safety.legal",
          "rules.content"
        ],
        "explicitness": "any"
      },
      "verification": {
        "status": "failed",
        "label": "Unverified - being checked",
        "reasons": [
          "citation_not_supported_by_source"
        ],
        "checked_utc": "20261023-171619Z"
      }
    }
  ]
}