ZeroFund is an educational platform operated by Spirit Services, LLC. ZeroFund is not a bank, lender, credit card issuer, credit bureau, or credit repair organization. We do not make credit decisions and we do not guarantee approvals.
Educational Use Only (No Financial, Legal, or Credit Advice)
All content provided through ZeroFund—including calculators, estimators, roadmaps, credit strategy content, and AI Advisor responses—is for informational and educational purposes only. It is not financial advice, legal advice, tax advice, or credit repair advice. You should consult qualified professionals before acting on any information from the Service.
No Guarantees
Outcomes vary by individual and lender. We do not guarantee credit score improvements, interest savings, approval outcomes, credit limits, APRs, promotional terms, or funding amounts. Lenders and issuers make independent decisions using their own underwriting criteria and a review of your complete application and credit profile.
AI Advisor Limitations
The AI Advisor may generate responses based on your inputs and general information. AI-generated content may be inaccurate, incomplete, or outdated and should not be relied on as professional guidance. You are responsible for verifying information before applying for financial products or making financial decisions.
Approval Odds, Match Scores, and Simulations
Any “approval odds,” “match scores,” “funding capacity,” or similar estimates are simulations that may be based on user-provided data and general market assumptions. These estimates do not reflect any lender’s internal model and do not guarantee approval. Actual results depend on lender policies, bureau data, income/ability-to-pay verification, business details, and other factors.
Credit Reporting and Data Sources
ZeroFund may allow you to enter self-reported information. We are not a Consumer Reporting Agency (CRA) and do not provide “credit reports” as defined by the Fair Credit Reporting Act (FCRA). If ZeroFund ever integrates with third-party providers for credit monitoring or reporting, those providers’ terms and privacy policies apply.
Third-Party Offers and Accuracy of Offer Terms
Information about credit card and lending offers (including APRs, promotional durations, balance transfer fees, and eligibility criteria) may come from public sources and may change at any time without notice. We strive to keep information current, but we do not guarantee accuracy. Always confirm terms directly with the issuer before applying.
Advertising and Affiliate Disclosure
ZeroFund may show third-party product offers and links. We may receive compensation if you click a link, submit an application, or are approved for a product. Compensation can affect how and where offers appear (including order and placement). ZeroFund does not include every financial company or every available offer.
Balance Transfers and Fees
Balance transfers may include fees and promotional limits. Promotional 0% APR offers may apply only to qualifying transfers, purchases, or time periods and may end early if account terms are not met. Always review issuer disclosures and cardmember agreements.
Contact
Questions about these disclosures? Contact us at support@zerofund.net.