At ZeroFund ("we", "us", or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share information about you when you use our mobile application and website.
1. Information We Collect
We collect information you provide directly to us, such as when you create an account, update your profile, or communicate with us.
- Account Information: Name, email address, password.
- Financial Information: Self-reported credit score ranges, current debt amounts, utilization estimates, and existing credit cards. Note: We do not store full credit card numbers or banking login credentials.
- Usage Data: Information about how you interact with our app, including features used and time spent.
2. How We Use Your Information
We use your information to provide, maintain, and improve our services, including:
- Generating personalized application roadmaps and approval odds simulations.
- Calculating potential interest savings.
- Sending technical notices, updates, and support messages.
- Detecting and preventing fraud.
3. We Do Not Sell Your Data
ZeroFund does not sell your personal information to third parties. We build our business by providing value to you, not by trading your data.
4. Information Sharing
We may share your information in the following limited circumstances:
- Service Providers: With vendors who perform services for us (e.g., cloud hosting, analytics).
- Legal Requirements: If required to do so by law or in response to valid requests by public authorities.
5. Analytics & Diagnostics
We may use analytics and diagnostics tools to understand app performance and improve reliability (for example, crash reports and basic usage analytics). These tools may collect device and usage information such as device type, operating system version, and interactions with features.
6. Security
We use reasonable administrative, technical, and physical safeguards designed to protect your data from unauthorized access, disclosure, alteration, and destruction. However, no internet transmission is completely secure.
7. Data Retention
We retain personal information for as long as necessary to provide the services and for legitimate business purposes (such as troubleshooting, security, and compliance). You may request deletion of your account as described below.
8. Your Choices
- Account Information: You can update certain information in the app settings.
- Delete Your Account: You may request account deletion by contacting support.
9. Children's Privacy
ZeroFund is not intended for children under 13, and we do not knowingly collect personal information from children under 13.
10. Changes to This Policy
We may update this Privacy Policy from time to time. If we make changes, we will update the “Last Updated” date above.
11. Contact Us
If you have questions about this Privacy Policy, please contact us at support@zerofund.net.