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TERMS OF SERVICE

A clear plan.
Clear limits.

Last updated and effective: October 24, 2026

The short version

  • Go to Zero is a free planning tool. It shows estimates, not promises.
  • It isn’t financial, legal, or tax advice. You make the decisions and the payments.
  • If you share a household, the other members can see and change its shared debts and plan.
  • We never sell your data. Some links may earn us a commission, and we label them.
  • You can delete your account at any time.
  • North Carolina law applies, and our liability is limited as far as the law allows.

1. About these Terms

These Terms are an agreement between you and the individual who runs Go to Zero as a free personal project (“Go to Zero,” “we,” “us”). They cover gotozero.app, the app, the Zero Date calculator, our emails, and related features (together, the “Service”). Our Privacy Policy is part of these Terms. When you create an account or use the Service, you agree to these Terms. If you don’t agree, please don’t use the Service.

2. Who can use Go to Zero

You must be 18 or older, and able to make a binding contract, to create an account. The Service isn’t meant for children. If we learn that an account belongs to someone under 18, we’ll close it and delete its data.

3. Your account

  • Give us accurate information and keep it current.
  • Keep your password secret. You are responsible for activity on your account.
  • Tell us at hello@gotozero.app right away if you think someone else got into your account.
  • One person per account. Don’t share your login. Invite your partner to your household instead.

4. What Go to Zero does, and doesn’t do

Go to Zero helps you organize your debts, compare payoff strategies (such as avalanche and snowball), and plan a path to a debt-free retirement.

  • Estimates only. Payoff dates, interest totals, and savings are projections. They depend on what you enter and on simplified assumptions in our calculations. Real results will differ because of lender fees, how and when interest is calculated, rate changes, payment timing, and other factors.
  • No bank connection. Go to Zero doesn’t connect to your bank or lender and doesn’t move money. When you record a payment in the app, no payment is made. Always follow your lender’s statements and due dates.
  • You keep it current. Update balances, rates, and payments when they change.
  • Not a financial company. We aren’t a bank, lender, credit counselor, debt-relief or debt-settlement company, credit repair organization, credit bureau, investment adviser, broker, or tax preparer.

5. Not financial, legal, or tax advice

Everything in the Service, including calculations, articles, and emails, is general educational information. It isn’t personal financial, investment, legal, or tax advice, and it doesn’t make us your adviser or fiduciary. Before a major decision (for example, refinancing, using a HELOC, consolidating debt, or using retirement savings), think about talking with a qualified professional who knows your full situation.

6. Shared households

  • What sharing means. Every member of a household can see and edit its shared debts, payments, plans, and settings. Members can see each other’s name and email address. Only invite someone you are comfortable sharing this information with.
  • Roles. The person who creates a household is its owner. The owner invites and removes members.
  • Your responsibility. Only enter information you have the right to share. If you add debts that belong to your partner, you confirm that they agree.
  • Leaving. A member can leave a household from the household menu in the app, and the owner can remove a member from Account settings. After that, the former member loses access. They may already have seen or copied the shared data, and we can’t undo that.
  • If the owner deletes their account. The whole household and its records are deleted for every member, and we email the other members. Write down anything you need before that happens.
  • Disagreements. We can’t settle disagreements between household members about shared data, and we aren’t responsible for changes one member makes to it.
  • Safety. If you are worried about your safety or about financial abuse, email hello@gotozero.app and we’ll help you leave a shared household.

7. Partner links

Go to Zero is free. To help cover costs, some pages and emails may include links to partner products. If you sign up or buy through one of these links, we may earn a commission at no extra cost to you.

  • We label these links clearly, next to the link.
  • Partner payments don’t change your calculations or results.
  • A partner link takes you to the partner’s site, where the partner’s own terms and privacy policy apply. We don’t send partners your personal or debt information.
  • We aren’t responsible for partner products, their decisions (such as a loan approval), or their terms.

8. Emails

  • Account emails. We send the emails you need to use the Service: email verification, password resets, email-change confirmations, household invitations, deletion confirmations, and important notices about the Service or these Terms. You can’t turn these off while you have an account.
  • Check-in reminders. We email you on a debt’s reminder day when it needs an update. You can turn reminders off, or mute one debt, in Account settings.
  • Product updates. We send these only if you opt in. Every product update has an unsubscribe link, and you can turn them off in Account settings.

9. Acceptable use

Don’t use the Service to break the law. Don’t access other people’s accounts or data. Don’t probe, scan, attack, or overload the Service, or get around its security or bot check. Don’t scrape it or access it in bulk with automated tools. Don’t upload malware or impersonate anyone. Don’t use the Service to harass, stalk, or financially control another person. Don’t resell or commercially use the Service without our permission.

10. Your data and our rights

  • Your data stays yours. You own the information you enter. You let us store, process, and show it only as necessary to run the Service for you and your household, as the Privacy Policy describes.
  • Our work. The Service, its software, design, text, and branding belong to us or our licensors. You may use the Service for your own personal and household planning, not for commercial use.
  • Feedback. If you send us ideas or suggestions, we may use them without owing you anything.

11. Free service, changes, and availability

The Service is free today. If we ever add paid features, we’ll tell you the price and terms first, and we won’t charge you unless you agree. We may change, pause, or stop any part of the Service. If we shut the Service down, we’ll try to give at least 30 days’ notice so you can save your information. The Service may sometimes be unavailable for maintenance or for reasons outside our control. Keep your own records of important information.

12. Ending your account

You can delete your account at any time in Account settings. We send a link to your email to confirm, and nothing is deleted until you click it. If you own a household, deleting your account also deletes the household and its data for every member (see section 6). We may suspend or close an account that breaks these Terms or puts others at risk. Sections 5, 10, and 13 to 17 stay in effect after your account ends.

13. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DON’T PROMISE THAT CALCULATIONS ARE FREE OF ERRORS, THAT THE SERVICE WILL ALWAYS BE AVAILABLE OR SECURE, OR THAT DATA WILL NEVER BE LOST. Some states don’t allow these disclaimers, so some may not apply to you.

14. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS: (A) WE AREN’T LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, INTEREST OR FEES YOU PAY TO LENDERS, OR LOST DATA, THAT COME FROM YOUR USE OF THE SERVICE, YOUR INABILITY TO USE IT, OR YOUR RELIANCE ON ITS ESTIMATES; AND (B) OUR TOTAL LIABILITY FOR ALL CLAIMS ABOUT THE SERVICE IS NO MORE THAN THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM. These limits don’t apply where the law doesn’t allow them, such as for gross negligence, willful misconduct, or fraud.

15. Indemnity

If you misuse the Service, break these Terms, or violate someone else’s rights (including a household member’s), and that causes a claim against us by someone else, you agree to cover our reasonable losses and costs from that claim, to the extent the law allows.

16. Governing law and disputes

  • Talk to us first. Most problems can be fixed quickly. Email hello@gotozero.app and give us 30 days to try to solve the problem informally.
  • Law. The laws of the State of North Carolina and applicable U.S. federal law govern these Terms, without regard to conflict-of-laws rules. This doesn’t remove consumer protections you have under the laws of the state where you live.
  • Courts. Any dispute goes to the state courts in Union County, North Carolina, or the U.S. District Court for the Western District of North Carolina, and you and we agree to those courts’ jurisdiction. Either side may use small claims court if the claim qualifies.

17. General

  • Changes to these Terms. If we make an important change, we’ll tell you by email or in the app before it takes effect. If you continue to use the Service after that, you accept the change. A change doesn’t apply to a dispute we already knew about.
  • The whole agreement. These Terms and the Privacy Policy are the whole agreement between us about the Service. If a part can’t be enforced, the rest stays in effect. If we don’t enforce a part, we don’t give up the right to enforce it later.
  • Transfer. You may not transfer these Terms. We may transfer them to a new owner of the Service, such as a company we form, and we’ll tell you.
  • Notices. You agree that we can send you notices by email and in the app.

18. Contact

Email hello@gotozero.app.