These Terms of Service ("Terms") constitute a legally binding agreement between you and ZeroBound LLC ("ZeroBound," "we," "us," or "our") governing your use of the ZeroBound mobile application (the "App").
BY ACCESSING OR USING ZEROBOUND, YOU AGREE TO BE BOUND BY THESE TERMS. If you do not agree to these Terms, you may not access or use the App.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting in the App or on our website. Your continued use after changes are posted constitutes acceptance of the modified Terms.
To use ZeroBound, you must:
Export controls and legal compliance: By using ZeroBound, you represent and warrant that: (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
By using ZeroBound, you represent and warrant that you meet all eligibility requirements.
To access ZeroBound's features, you must create an account by providing a valid email address, your name, and authentication credentials via Apple's passkey system.
You agree to:
You are solely responsible for maintaining the security of your account. We are not liable for any loss or damage arising from your failure to maintain account security.
ZeroBound is a debt payoff planning and tracking application.
ZeroBound does NOT: make payments on your behalf, provide financial advice, act as a financial institution or debt consolidation service, guarantee specific financial outcomes, negotiate with creditors, or provide credit repair, debt settlement, or bankruptcy services.
Free tier: Manual debt tracking (up to 3 debts), snowball method calculations, basic payment tracking, and progress visualization.
Premium tier: Unlimited debt tracking, avalanche method calculations, Plaid integration for automatic balance updates, and advanced analytics. Pricing: $6.99–$8.99/month as displayed in the App Store.
All subscription payments are processed exclusively through Apple's In-App Purchase system.
If you downgrade from Premium to Free, access to premium features is immediately removed, your data is preserved but limited to free tier restrictions, Plaid connections are disconnected, and no refunds are provided for the remaining premium period.
ZeroBound LLC is solely responsible for providing all maintenance and support services with respect to the App, as specified in these Terms or as required under applicable law. You and ZeroBound LLC acknowledge that Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the App.
Authorization: When you connect your financial accounts through Plaid, you authorize: (1) ZeroBound to access your account information through Plaid's services; (2) Plaid to retrieve and share your account data with ZeroBound; and (3) ongoing automatic updates to your account balances and information.
Third-party service: Plaid is an independent third-party service provider. By using Plaid integration, you agree to Plaid's Terms of Service and Privacy Policy. You acknowledge that we are not responsible for Plaid's services, availability, or data handling.
Disconnection: You may disconnect Plaid at any time through the ZeroBound App settings, direct contact with your financial institution, or Plaid's account management interface.
Data accuracy: We cannot guarantee real-time accuracy of synced balances. You remain responsible for verifying information and making timely payments to your creditors.
Accurate information: You agree to provide accurate debt information, keep it current, and verify that calculations align with your actual obligations.
You agree NOT to:
Violation of these terms may result in immediate account termination and potential legal action.
Our rights: All content, features, and functionality of ZeroBound — including software code, user interface design, text, images, logos, trademarks, and calculation methodologies — are owned by ZeroBound LLC and protected by United States and international intellectual property laws.
Limited license: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the App for personal, non-commercial purposes on any Apple-branded products that you own or control, as permitted by the Apple Media Services Terms and Conditions, including access by other accounts associated with you via Family Sharing or volume purchasing.
This license does not include the right to:
Intellectual property infringement claims: You and ZeroBound LLC acknowledge that, in the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, ZeroBound LLC, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
Your content: You retain ownership of data you input into ZeroBound. By using the App, you grant us a limited license to store and process your data to provide the service, create anonymized aggregated analytics, and display your data back to you within the App.
Feedback: If you provide feedback or suggestions, we may use them without obligation or compensation to you.
Not financial advice: ZeroBound provides tools for tracking and planning debt payoff only. We DO NOT provide financial advice, recommendations, or counseling. We are not licensed financial advisors, credit counselors, or debt settlement services.
No guarantees: We make no guarantees regarding payoff timelines, interest savings, financial outcomes, or calculation accuracy.
Consult professionals: For personalized financial advice, consult licensed financial advisors, certified credit counselors, or qualified tax and legal professionals.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZEROBOUND AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES; LOST PROFITS, LOST REVENUE, OR LOST DATA; DAMAGE TO CREDIT SCORE OR FINANCIAL STANDING; MISSED PAYMENTS OR LATE FEES; OR INTEREST CHARGES OR PENALTIES FROM CREDITORS, ARISING FROM OR RELATED TO YOUR USE OR INABILITY TO USE ZEROBOUND.
Cap on liability: Our total liability to you shall not exceed the greater of: (1) $100 USD, or (2) the amount you paid to us in subscription fees in the 12 months preceding the claim.
Exceptions: Some jurisdictions do not allow limitations on implied warranties or liability for certain damages. If these laws apply to you, some or all of the above limitations may not apply.
ZEROBOUND IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Apple App Store warranty: In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App (if any) to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are ZeroBound LLC's sole responsibility.
You and ZeroBound LLC acknowledge that ZeroBound LLC, not Apple, is responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App, including but not limited to:
ZeroBound LLC's liability to you may not be limited beyond what is permitted by applicable law.
You agree to indemnify, defend, and hold harmless ZeroBound LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:
This indemnification obligation survives termination of these Terms.
These Terms remain in effect while you use ZeroBound.
Termination by you: You may terminate your account at any time by deleting your account through the App settings under Account → Delete Account. Simply uninstalling the App does NOT delete your account or data. Active subscriptions must be cancelled separately through your Apple account settings.
Termination by us: We reserve the right to suspend or terminate your access immediately, without notice, for violation of these Terms, fraudulent or illegal activity, abuse of the service, extended inactivity (inactive accounts may be deleted after 12 months), or risk to the security of our systems.
Informal resolution: Before filing a formal claim, contact us at [email protected] to attempt to resolve the dispute informally.
Binding arbitration: If informal resolution fails:
Class action waiver: YOU AND ZEROBOUND AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.
Opt-out: You may opt out of arbitration by sending written notice to [email protected] within 30 days of first accepting these Terms.
These Terms are governed by the laws of the State of Maine and the United States, without regard to conflict of law principles. If arbitration does not apply, exclusive jurisdiction lies in the state and federal courts located in Androscoggin County, Maine.
Entire agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and ZeroBound regarding the App.
Severability: If any provision is found invalid or unenforceable, the remaining provisions remain in full force and effect.
No waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
Assignment: You may not assign or transfer these Terms without our written consent. We may assign or transfer these Terms without restriction.
Force majeure: We are not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, acts of terrorism or war, internet or telecommunications failures, third-party service outages, or government actions.
Notices: We may provide notices through the App, via email to your registered address, or by posting on our website. You may provide notices to us at:
Email: [email protected]
Mail: ZeroBound LLC, 75 Park Street Suite 200 PMB 70033, Lewiston, ME 04240
Survival: The following sections survive termination: Intellectual Property, Financial Disclaimers, Limitation of Liability, Disclaimers and Warranties, Indemnification, Dispute Resolution, Governing Law, and General Provisions.
Third-party terms of agreement: When using the App, you must comply with applicable third-party terms of agreement, including but not limited to Plaid's Terms of Service (plaid.com/legal) when using Plaid integration features.
We reserve the right to modify these Terms at any time. Changes are effective immediately upon posting. We will notify you of material changes through in-app notification, email to your registered address, or notice on our website.
Your continued use of ZeroBound after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using ZeroBound and delete your account.
General inquiries: [email protected]
Legal inquiries: [email protected]
Privacy inquiries: [email protected]
ZeroBound LLC
75 Park Street Suite 200 PMB 70033
Lewiston, ME 04240
United States
Phone: (207) 850-8466
Website: zerobound.app
We will respond to inquiries within 5 business days.
Questions before agreeing? Email [email protected]