Terms of Service

1. Acceptance of Terms

By accessing or using DeadlineZero (“the Service”) at deadlinezero.com, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Service.

These Terms apply to all users of the Service, including visitors, registered users, and paying subscribers.

2. Description of Service

DeadlineZero is a financial tracking tool that helps users monitor deferred-interest and promotional financing deals. The Service provides:

• Calculation of required monthly payments to avoid retroactive interest
• Deadline tracking and email alert notifications
• Retroactive interest exposure estimates
• Optional bank account synchronization via Plaid (Premium)

DeadlineZero provides informational tools only. We are not a financial advisor, lender, or credit counseling service.

3. User Accounts

To access certain features, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Providing accurate and up-to-date information
• Notifying us immediately of any unauthorized account access

We reserve the right to suspend or terminate accounts that violate these Terms or that we determine, in our sole discretion, pose a risk to the Service or other users.

4. Subscription Plans and Billing

DeadlineZero offers a Free plan and a Premium plan. Premium features are available via a monthly or annual subscription billed through Stripe.

• Subscription fees are charged at the beginning of each billing period
• You may cancel your subscription at any time through the billing portal
• Cancellation takes effect at the end of the current billing period
• We do not offer refunds for partial subscription periods
• We reserve the right to change pricing with 30 days’ notice

5. Financial Information Disclaimer

DeadlineZero provides calculations and estimates based on information you enter. These are for informational purposes only and should not be construed as financial advice. Specifically:

• Calculations depend entirely on the accuracy of data you provide. We are not responsible for errors resulting from incorrect input.
• Alert emails depend on reliable email delivery. We cannot guarantee delivery or timeliness of all alerts.
• Plaid balance syncs may not reflect real-time account data. Always verify balances with your financial institution before making payment decisions.
• DeadlineZero is not responsible for any financial losses, retroactive interest charges, or other damages resulting from reliance on our calculations or missed alerts.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any regulations
• Attempt to gain unauthorized access to any part of the Service or its systems
• Transmit viruses, malware, or other harmful code
• Scrape, crawl, or data-mine the Service without written permission
• Use the Service to collect or harvest personal information about other users
• Impersonate any person or entity or misrepresent your affiliation

7. Intellectual Property

The Service and its original content, features, and functionality are owned by DeadlineZero and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written consent.

You retain ownership of the financial data you enter into the Service. By using the Service, you grant us a limited license to store and process that data solely to provide the Service to you.

8. Termination

You may delete your account at any time by contacting us. Upon termination, your right to use the Service ceases immediately and your data will be deleted within 30 days.

We may terminate or suspend your access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

9. Limitation of Liability

To the maximum extent permitted by law, DeadlineZero and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to financial losses, data loss, or service interruptions, arising out of your use of or inability to use the Service.

Our total liability to you for any claims arising from use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

10. Disclaimer of Warranties

The Service is provided “as is” and “as available” without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by email or by posting a notice on the Service. Continued use of the Service after changes constitutes acceptance of the updated Terms.

13. Contact Us

For questions about these Terms, contact Danesha at daneshayvette@gmail.com.