I procrastinated my migration and it paid off!
specifically: I moved countries in between and now they require entry of a credit card even though they would supposedly not bill it, but they decline all my credit cards (which they are not going to bill) because the billing country has to match the account country ... as usual the support options end in a dead end / python script etc. Which all just points back to, I'm dealing with a giant borg too big too care and moving is probably the right thing any way.
"I used my account for personal use"
Eventually ended up using a bunch of its business features in time and moved the company email over, they hoovered me up real good.
It has been a very positive experience so far.
You get an office system as part of the package.
Some cases of the spam filter being too aggressive.
I'd move myself if I wasn't so addicted to FastMail's beautiful web+mobile apps.
Not the worst thing ever, but it does seem all Western jurisdictions are ticking time bombs, and thanks to Five Eyes you're at the discretion of the worst one.
I'd consider anything based in the EU to at least be a step above anywhere 5eyes. They at least make an effort towards data privacy.
Regards, Zoho Mail Team