Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legal agreement between you ("User" or "you") and Zero Balanced ("we," "us," or "our"). By accessing or using our website, calculator, or any related services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Agreement Updates

• These Terms may be updated periodically
• Continued use after updates constitutes acceptance
• Material changes will be clearly communicated
• Previous versions remain available upon request

2. Service Description

Zero Balanced provides a free, web-based financial planning calculator and educational resources to help users plan their financial future.

What We Provide

• Financial Calculator: Interactive tool for goal planning and investment calculations
• Educational Content: Blog articles and guides on financial planning
• Planning Tools: Scenarios, insights, and recommendations
• Privacy Protection: Client-side processing ensures data privacy

What We Don't Provide

• Personalized financial advice
• Investment recommendations for specific securities
• Tax planning or legal advice
• Account management or investment services
• Guaranteed returns or outcomes

3. Eligibility and User Responsibilities

Age Requirements

• Users must be at least 18 years of age
• Users under 18 may use the service with parent/guardian consent
• We do not knowingly collect information from children under 13

User Responsibilities

• Accurate Information: Provide accurate financial data for meaningful results
• Appropriate Use: Use the service only for legitimate financial planning purposes
• No Misuse: Do not attempt to hack, damage, or disrupt our services
• Legal Compliance: Comply with all applicable laws and regulations
• Professional Advice: Consult qualified professionals for important financial decisions

4. Educational Purpose and Disclaimers

Not Financial Advice

• All calculations and suggestions are for educational purposes only
• Results are based on assumptions and may not reflect actual outcomes
• Past performance does not guarantee future results
• Market conditions, inflation, and other factors can significantly impact results

Professional Consultation Required

• Always consult qualified financial advisors for personalized advice
• Consider your unique circumstances, risk tolerance, and goals
• Verify all calculations independently
• Review investment options with licensed professionals

Assumptions and Limitations

• Calculations are based on standard financial formulas
• Returns are projected and not guaranteed
• Inflation rates are estimates based on historical data
• Tax implications are not considered in calculations
• Life expectancy and other factors are user-provided estimates

5. Intellectual Property Rights

Our Content

• Zero Balanced website, calculator, and content are protected by copyright
• Trademarks, logos, and branding are our exclusive property
• Educational content and articles are original works
• Source code and algorithms are proprietary

Your Usage Rights

• Personal, non-commercial use of our calculator and content
• Right to export and save your financial plans
• Right to share results with your financial advisors
• Educational use in academic or training contexts (with attribution)

Restrictions

• No commercial use without written permission
• No copying, modifying, or redistributing our code
• No creating derivative works or competing services
• No removing copyright notices or branding

6. Privacy and Data Handling

Your Financial Data

• All financial calculations happen locally in your browser
• We never see, store, or transmit your financial information
• You have complete control over your data
• Data is automatically cleared when you close the browser

Non-Financial Information

• Website analytics help us improve our service
• Optional information is used only to enhance user experience
• Cookies enhance user experience
• Detailed privacy practices are outlined in our Privacy Policy

7. Limitation of Liability

Specific Exclusions

• Financial Losses: We are not responsible for any financial losses based on calculator results
• Investment Decisions: We are not liable for investment decisions made using our tools
• Calculation Errors: While we strive for accuracy, we cannot guarantee error-free calculations
• Third-Party Services: We are not responsible for third-party services or links
• Service Interruptions: We are not liable for temporary unavailability or technical issues

Maximum Liability

In any case, our total liability to you for all damages, losses, and causes of action shall not exceed the amount you paid to use our service (which is zero, as our service is free).

8. Service Availability and Modifications

Service Availability

• We strive to maintain 99.9% uptime but cannot guarantee uninterrupted service
• Planned maintenance will be announced when possible
• Emergency maintenance may occur without notice
• Service may be temporarily unavailable due to technical issues

Service Modifications

• We may modify, update, or discontinue features at any time
• Significant changes will be communicated to users
• We reserve the right to change these Terms as needed
• Continued use constitutes acceptance of modifications

9. Prohibited Uses

You May Not

• Use the service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service or servers
• Use automated tools to access the service excessively
• Impersonate another person or entity
• Transmit viruses, malware, or harmful code
• Violate any applicable laws or regulations
• Infringe on intellectual property rights

Enforcement

• We may suspend or terminate access for violations
• We may report illegal activities to authorities
• We reserve the right to take legal action when necessary

10. Third-Party Services

External Links

• Our website may contain links to third-party websites
• We are not responsible for external content or services
• Third-party sites have their own terms and privacy policies
• Links do not constitute endorsement

Integrated Services

• Google Analytics for website statistics
• Google AdSense for advertising
• CDN services for performance
• These services have their own terms and policies

11. Indemnification

You agree to indemnify, defend, and hold harmless Zero Balanced, its operators, employees, and affiliates from any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from:

• Your use or misuse of the service
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial decisions made based on calculator results

12. Termination

Termination by You

• You may stop using our service at any time
• Clear your browser data to remove any locally stored information
• Clear browser data to remove any locally stored preferences

Termination by Us

• We may terminate or suspend access for Terms violations
• We may discontinue the service at any time
• Reasonable notice will be provided when possible
• Termination does not affect data you've already exported

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the service shall be subject to the exclusive jurisdiction of the courts in [Your City], India.

Dispute Resolution

• We encourage resolving disputes through direct communication
• Review our About page for more information about our service
• Mediation may be pursued before litigation
• Small claims court may be appropriate for minor disputes

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.