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User Indemnification Obligation

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Document Record

What it is

Users are required to indemnify, defend, and hold harmless Zillow and its affiliates, directors, officers, employees, and agents from any third-party claims arising from the user's access to or use of the Services, breach of the terms, violation of law, user-submitted content, or unauthorized use of the user's account.

This analysis describes what Zillow's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

This provision places the defense and indemnification obligation on individual users for a broad set of circumstances, including disputes between the user and third parties that arise in connection with the Services, and unauthorized use of the user's account by others.

Interpretive note: Enforceability of broad consumer indemnification clauses varies by jurisdiction and may be limited under state consumer protection law or EU consumer contract law.

Recent Activity

This document changed recently

Medium Jul 13, 2026

The updated terms establish explicit consent for Zillow to contact you through email, phone calls, text messages, and in-app features using automatic dialing systems and prerecorded voices. These communications may include advertising or marketing offers alongside transactional messages. Message and data rates may apply depending on your carrier, and contact frequency will vary based on your account activity. You can opt out of text messages at any time by replying STOP, and calls with Zillow employees may be recorded for quality control and internal business purposes.

View change record →

Consumer impact (what this means for users)

Under this clause, users are financially responsible for defending Zillow and its affiliates against third-party claims arising from the user's platform activity, submitted content, or account misuse. The obligation extends to all claims arising from any dispute between the user and any third party connected to the Services.

Cross-platform context

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▸ View Original Clause Language DOCUMENT RECORD
"
You agree to indemnify, defend, and hold harmless the Zillow Companies, our affiliates, and our respective directors, officers, employees, and agents from any and all claims and demands made by any third party due to or arising out of: (a) your access to or use of the Services; (b) your breach of these Terms of Use; (c) your violation of any law or the rights of a third party; (d) any dispute or issue between you and any third party; (e) any User Materials you upload to, or otherwise make available through, the Services; (f) your willful misconduct; and (g) any other party's access to or use of the Services using your account and password.

Excerpt from Zillow's Terms of Use

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

1. REGULATORY LANDSCAPE: Consumer indemnification clauses interact with state consumer protection statutes and contract law principles. Some jurisdictions limit the enforceability of broad indemnification obligations against consumers. The FTC Act may be relevant where such clauses are characterized as creating an unfair burden on consumers. 2. GOVERNANCE EXPOSURE: Medium. The indemnification scope is broad, extending to all claims arising from use, submitted content, and third-party disputes connected to the Services. The clause includes account misuse by unauthorized parties, which may be operationally significant for professional users who manage multiple client interactions through Zillow platforms. 3. JURISDICTION FLAGS: California and other states with consumer-protective contract law may scrutinize the scope of consumer indemnification obligations. EU consumer contract law generally restricts the enforceability of broad indemnification clauses against natural persons. 4. CONTRACT AND VENDOR IMPLICATIONS: Real estate professionals and business accounts using the Services in a Pro Use capacity should assess whether their professional liability insurance covers indemnification obligations arising from platform use. The clause's extension to third-party disputes arising from Services use is operationally relevant for professionals managing client transactions through Zillow. 5. COMPLIANCE CONSIDERATIONS: Legal counsel advising professional users should evaluate whether the indemnification scope aligns with the user's risk profile and whether contractual arrangements with clients address how indemnification obligations under platform terms are allocated.

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Applicable agencies

  • FTC
    The FTC has authority over unfair or deceptive practices in consumer contracts, including the scope and disclosure of consumer indemnification obligations.
    File a complaint →

Provision details

Document information
Document
Zillow Terms of Use
Entity
Zillow
Document last updated
May 5, 2026
Tracking information
First tracked
July 9, 2026
Last verified
July 9, 2026
Record ID
CA-P-014239
Document ID
CA-D-00231
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
2cb652db3ff156ae7892f761fcf07d4f6bda63450f663b09a98fb4d0fdd82949
Analysis generated
July 9, 2026 05:04 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Zillow
Document: Zillow Terms of Use
Record ID: CA-P-014239
Captured: 2026-07-09 05:04:11 UTC
SHA-256: 2cb652db3ff156ae…
URL: https://conductatlas.com/platform/zillow/zillow-terms-of-use/provision/CA-P-014239/user-indemnification-obligation/
Accessed: July 24, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

Other risks in this policy

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Frequently Asked Questions

What does Zillow's User Indemnification Obligation clause do?

This provision places the defense and indemnification obligation on individual users for a broad set of circumstances, including disputes between the user and third parties that arise in connection with the Services, and unauthorized use of the user's account by others.

How does this clause affect you?

Under this clause, users are financially responsible for defending Zillow and its affiliates against third-party claims arising from the user's platform activity, submitted content, or account misuse. The obligation extends to all claims arising from any dispute between the user and any third party connected to the Services.

Is ConductAtlas affiliated with Zillow?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Zillow.