Terms of Use — ClearZero

Important

ClearZero is a planning and visualization tool, not a financial advisor. Nothing on this site is financial advice. Please read Section 2 carefully. If you subscribe to Premium, Section 6 explains billing, cancelling and refunds in plain terms.

1. About ClearZero

ClearZero is a personal finance visualization tool designed to help you understand and plan your path to debt freedom. By accessing or using ClearZero at clearzero.money (the "Service"), you agree to these Terms of Use. If you do not agree, please do not use the Service.

2. Not Financial Advice

ClearZero is not a financial advisor, and nothing on this site is financial advice. The calculations, projections, and visualizations ClearZero provides are tools to help you think about your financial situation. They are based entirely on the numbers you enter and standard mathematical models. They do not account for taxes, fees, life events, or individual circumstances.

Before making significant financial decisions, we strongly encourage you to consult a qualified financial professional. ClearZero makes no guarantee that following any payoff strategy or projection shown by the tool will produce any particular outcome.

3. Eligibility

You must be at least 13 years old to use ClearZero. To create an account or buy Premium, you must be at least 18 years old, or the age of majority where you live. ClearZero is intended for personal, non-commercial use.

4. Your Data and Privacy

The financial data you enter into ClearZero is stored in your browser's local storage on your own device. It is not sent to or stored by ClearZero, even if you have an account. An account stores only your email address and your plan. See our Privacy Policy for full details.

Because your debts live only in your browser, clearing your browser data or switching devices means re-entering them. You are responsible for the security of your device and for keeping any copies of your data you want.

5. Accounts

You only need an account for Premium. You sign in with a one-time link sent to your email address, so please keep your email account secure. Each account is for one person. You can delete your account at any time from your Account page. We may suspend or close an account that is used to break these Terms, abuse the Service, or commit fraud.

6. Free Plan and Premium

Free plan: Available to everyone at no charge, with the feature limits described on the site.

Premium: A monthly subscription. The price is shown before you pay; it is currently $6.99 per month in US dollars, plus any applicable taxes. Payment is processed by Stripe and charged at the start of each month of service. Your subscription renews automatically every month until you cancel.

Free trials: If we offer you a free trial, for example as a waitlist launch offer, its length is shown at checkout. You won't be charged until the trial ends, and if you cancel before then you won't be charged at all.

Cancelling: You can cancel at any time, yourself, from your Account page → Manage billing. Premium stays on until the end of the month you've already paid for, and you won't be charged again.

Refunds: If you're not happy, email hello@clearzero.money within 14 days of any charge and we'll refund that charge in full, no questions asked. Outside that window we don't refund partial months, except where the law requires it. Deleting your account cancels Premium immediately; the 14-day refund still applies.

Price changes: If the price changes, we will email you at least 30 days before the new price applies to your subscription, so you can cancel first if you choose.

Changes to features: We may add, change, or remove features. If we discontinue Premium altogether, we will refund the unused part of your current month.

7. Acceptable Use

You agree not to use ClearZero in any way that violates applicable law, interferes with or disrupts the Service or its infrastructure, attempts to reverse-engineer or copy any part of the Service, or is fraudulent or harmful to ClearZero or other users.

8. Intellectual Property

All content, design, code, and materials on ClearZero are owned by or licensed to ClearZero and are protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any part of the Service without our express written permission.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CLEARZERO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY FINANCIAL CALCULATION OR PROJECTION IS ACCURATE OR COMPLETE.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CLEARZERO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE — INCLUDING, WITHOUT LIMITATION, ANY FINANCIAL DECISIONS MADE IN RELIANCE ON THE SERVICE — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT YOU PAID TO CLEARZERO IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR $10, WHICHEVER IS GREATER.

11. Third-Party Services

ClearZero uses Stripe (payments), Supabase (sign-in and accounts), Resend (sign-in emails), Netlify (hosting), and Google Analytics (usage statistics). Your use of those services is subject to their own terms and privacy policies, and ClearZero is not responsible for their practices.

12. Ending Your Use

You can stop using ClearZero at any time, and delete your account whenever you like. We may suspend or end access for anyone who breaks these Terms. If we end a paid subscription for a reason other than a breach of these Terms, we will refund the unused part of the current month.

13. Changes to These Terms

We may update these Terms from time to time and will change the date at the top of this page when we do. If a change materially affects Premium subscribers, we will email account holders before it takes effect. Continuing to use the Service after a change means you accept the revised Terms.

14. Governing Law

These Terms are governed by the laws of the State of Wisconsin, United States, without regard to conflict-of-law rules. Any dispute arising from these Terms or the Service will be resolved in the state or federal courts located in Dane County, Wisconsin. Nothing in these Terms limits any consumer rights you have under the law where you live that cannot be waived by contract.

15. Contact

If you have questions about these Terms, please contact us at:
hello@clearzero.money