Zero+1. Acceptance of these terms
These Terms of Use (“Terms”) form a binding agreement between you and the providers of the Zero+ application (“Zero+”, “the app”, “we”, “us”, “our”). By downloading, accessing, or using the app, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the app.
2. Eligibility
You must be at least 18 years old, or the age of legal majority where you live, and legally able to enter into a contract, to use Zero+. By using the app you represent that you meet these requirements.
3. Not financial advice
Zero+ provides calculations, projections, scores, tips, and simulations based solely on the figures you enter. All such outputs are illustrative estimates for general information only. They are not professional advice and must not be relied upon as the basis for any financial, investment, borrowing, tax, accounting, or legal decision. We are not your financial advisor, broker, or fiduciary. Before making any decision, consult a qualified, licensed professional who can consider your full circumstances.
4. Accuracy and “as is” nature of results
Projections depend entirely on the accuracy and completeness of the information you provide and on assumptions (such as interest rates, income growth, and timing) that may not reflect reality. Actual results will differ, potentially significantly. Figures shown are estimates and may contain errors, rounding, or omissions. You are solely responsible for verifying any number before acting on it.
5. The app is provided “as is”
To the fullest extent permitted by law, the app is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, reliability, and non-infringement. We do not warrant that the app will be uninterrupted, error-free, secure, or that any result will be accurate or meet your expectations.
6. Limitation of liability
To the maximum extent permitted by applicable law, in no event shall Zero+, its owners, developers, contributors, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, data, goodwill, or other intangible losses, arising out of or relating to your use of, or inability to use, the app — even if advised of the possibility of such damages, and regardless of the legal theory.
To the extent any liability cannot be excluded, our total aggregate liability to you for all claims relating to the app is limited to the greater of (a) the amount you actually paid us for the app in the twelve months before the claim, or (b) US $10.
7. Your responsibilities
- You are solely responsible for the data you enter, for keeping your own backups, and for the security of your device.
- You agree to use the app only for lawful, personal, non-commercial purposes.
- You agree not to misuse the app, including by reverse-engineering, decompiling, tampering with, redistributing, or attempting to derive source code, except where such restriction is prohibited by law.
8. Data and backups
Your information is stored only on your device. We do not hold a copy and cannot recover it for you. Loss of your device, deletion of the app, or a device malfunction may permanently erase your data. Keeping backups is your responsibility.
9. Intellectual property
The app, its name “Zero+”, logo, design, text, and all related content are owned by us or our licensors and are protected by intellectual-property laws. These Terms grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the app for your own personal use. No other rights are granted.
10. Third-party services and stores
The app is distributed through third-party app stores and may link to third-party services (such as WhatsApp). Your use of those services is governed by their own terms, and we are not responsible for them. Where you obtain the app through an app store, that store’s terms also apply.
11. Indemnification
You agree to indemnify, defend, and hold harmless Zero+ and its owners, developers, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your use of the app, your reliance on any output, your violation of these Terms, or your violation of any law or the rights of any third party.
12. Changes to the app and these Terms
We may modify, suspend, or discontinue the app or any feature at any time without notice. We may also update these Terms from time to time; the “Last updated” date reflects the latest version. Your continued use of the app after changes take effect constitutes acceptance of the revised Terms.
13. Termination
These Terms remain in effect while you use the app. You may end them at any time by deleting the app. We may suspend or terminate your access if you breach these Terms. Sections that by their nature should survive termination (including disclaimers, limitation of liability, and indemnification) will survive.
14. Governing law
These Terms are governed by the laws of the Sultanate of Oman, without regard to its conflict-of-laws rules. You agree that the courts located in Oman shall have exclusive jurisdiction over any dispute, unless mandatory local law in your country of residence provides otherwise.
15. Severability and entire agreement
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the app and supersede any prior understandings.
16. Contact
Questions about these Terms? Reach us through the Support page.
This template is provided for general information and does not constitute legal advice. Consider having it reviewed by a qualified lawyer for your jurisdiction and business.