Terms of Service

These Terms of Service (“Terms”) govern your use of Zerofy, the bill and debt tracking service available at zerofyapp.com (the “Service”). By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.

Zerofy is a tool for tracking bills, balances, and payments you manage yourself. Optional bank discovery through Plaid suggests recurring bills for your review (section 10); suggestions can be incomplete, delayed, or wrong, and you decide what to save. The Service does not move money and does not provide financial, legal, tax, or investment advice. The numbers in Zerofy are the numbers you enter or approve.

The Service is currently offered in beta, free of charge. Features may change, break, or be removed, and availability is not guaranteed. If paid plans are introduced later, you will be notified before anything you use starts costing money.

You need an account to use the Service. You are responsible for the accuracy of the information you provide, for keeping your password confidential, and for all activity under your account. You must be at least 18 years old. Notify us promptly at support@zerofyapp.com if you suspect unauthorized use of your account.

You agree not to:

• use the Service for any unlawful purpose;
• attempt to access data belonging to other users or probe, scan, or test the vulnerability of the Service;
• interfere with the Service's operation, including by imposing an unreasonable load on our infrastructure;
• resell, sublicense, or offer the Service to third parties without our written consent.

You own the data you enter into Zerofy. We claim no rights over it beyond what is needed to operate the Service (storing it, displaying it back to you, generating your exports). You can export your data as CSV at any time from Settings. How we collect and handle personal data is described in the Privacy Policy.

The Service applies automatic housekeeping to old records (for example, detailed monthly payment records older than 12 months and payment audit history older than 36 months are deleted). Export regularly if you want records beyond those windows.

You may stop using the Service and request deletion of your account and data at any time by contacting support@zerofyapp.com. We may suspend or terminate accounts that violate these Terms or put the Service or other users at risk. On termination, your data is deleted in accordance with the Privacy Policy.

The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. Zerofy is a record-keeping aid — you remain responsible for actually paying your bills and for verifying any figure before relying on it.

To the maximum extent permitted by law, Zerofy and its operator will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, missed payments, late fees, credit impacts, or data loss arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the greater of $50 or the amount you paid us in the 12 months before the claim (during the free beta, that means $50).

We may update these Terms as the Service evolves. If a change is material, we will notify you by email or an in-app notice before it takes effect. Continuing to use the Service after a change takes effect means you accept the updated Terms.

These provisions are the same text saved with your bank consent (version terms-bank-v1; Effective October 15, 2026 for the private bank pilot.)

You own the data you enter. We claim no rights beyond those needed to operate the Service, including storing, displaying, processing and exporting it. The Privacy Policy describes personal data handling. Settings exports cover supported tracking records and a separate bank-data download. Old records are subject to housekeeping, including the 12-month detailed payment and 36-month payment audit windows; export regularly if needed.

Bank access requires separate consent. You may disconnect in Settings to stop scans and delete live bank evidence. Saved bills and payments remain. Provider removal runs separately; interrupted setup or cleanup may require restricted recovery records to remain, including after account deletion. Plaid and your bank have their own terms and privacy practices. Disconnecting Zerofy does not cancel subscriptions, close bank accounts or guarantee immediate deletion of every provider-held record.

Questions about these Terms: support@zerofyapp.com