These Terms of Use ("Terms") govern your access to and use of the ZeroFund website and mobile application (the "Service"), operated by Spirit Services, LLC ("we", "us", or "our").
1. Acceptance of Terms
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not access or use the Service.
2. Educational Nature of the Service
ZeroFund is an educational and informational platform. We are not a bank, lender, credit bureau, credit repair organization, financial advisor, or legal advisor.
All calculators, simulations, AI-generated responses, approval odds, and planning tools are provided for general educational purposes only and do not constitute financial, legal, or credit advice.
Decisions you make based on information from the Service are your sole responsibility. We do not guarantee specific outcomes, including credit score improvements, funding approvals, or interest savings.
3. User Accounts
You may be required to create an account to access certain features. You agree to provide accurate, complete, and current information and to safeguard your login credentials.
You are responsible for all activity that occurs under your account.
4. Prohibited Uses
You agree not to:
- Use the Service for unlawful, fraudulent, or deceptive purposes.
- Attempt to access, probe, or disrupt our systems or security.
- Reverse engineer, scrape, or extract source code, data, or models.
- Misrepresent your identity or submit false information.
5. AI Advisor Disclaimer
The Service may include an AI-based assistant that generates responses based on user inputs and available data. AI-generated content may be inaccurate, incomplete, or outdated.
You acknowledge that AI responses are informational only and should not be relied upon as professional advice.
6. Community & Third-Party Information
Some information displayed in the Service may be provided by users or third parties. We do not independently verify all such information and do not guarantee its accuracy or completeness.
7. Intellectual Property
The Service and all related content, features, trademarks, and software are the exclusive property of Spirit Services, LLC or its licensors.
We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes.
8. Disclaimer of Warranties
The Service is provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, express or implied.
9. Limitation of Liability
To the maximum extent permitted by law, Spirit Services, LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Service.
10. Termination
We may suspend or terminate your access to the Service at any time if we reasonably believe you have violated these Terms or if required for legal, security, or operational reasons.
11. Governing Law
These Terms are governed by the laws of the State of Wyoming, without regard to conflict of law principles.
12. Changes to These Terms
We may update these Terms from time to time. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.
13. Contact Us
If you have questions about these Terms, contact us at support@zerofund.net.