Terms of Service

Effective date: November 4, 2026

These Terms of Service are an agreement between you and Hitham Hauter ("PayZeroX", "we", "us"). By creating an account or using the PayZeroX app, you agree to these terms and to our Privacy Policy. If you do not agree, do not use PayZeroX.

Who can use PayZeroX

• You must be at least 18 and live in the United States.
• You may connect only financial accounts that belong to you or that you are allowed to access.

Your account

• Give us accurate information, including a real email address. We use it to send password reset codes.
• Keep your password private. You are responsible for activity on your account.
• Tell us right away at support@payzerox.com if you think someone else has used your account.
• One person per account. Do not sell, share or transfer your account.

What PayZeroX does

PayZeroX shows the credit card information your bank shares through Plaid, and calculates estimates: a monthly payment, a debt-free date, and interest compared with paying only minimums.

PayZeroX is not financial, credit, legal or tax advice. We are not a bank, lender, credit counselor or financial advisor.

• Estimates can be wrong. Banks change interest rates, recalculate minimum payments monthly, and add fees and new charges that our calculations do not include.
• Your bank's numbers win. Always check your statement and your card issuer's website for your actual balance, minimum payment and due date.
• We do not make payments. PayZeroX never moves money. You are responsible for paying your cards on time, and for any late fees or interest.
• Data can be delayed or missing. Information from your bank may be out of date, incomplete, or temporarily unavailable.

Decisions about your money are yours. Consider talking to a qualified professional about your situation.

Connecting your bank

• PayZeroX uses Plaid Inc. to connect to your bank. You sign in to your bank on Plaid's screen, not ours.
• By connecting, you allow PayZeroX and Plaid to access your credit card information as described in our Privacy Policy, and you agree to the Plaid End User Privacy Policy.
• Plaid and your bank are separate companies. We are not responsible for their services, outages or decisions.
• Your bank may sometimes ask you to log in again. The app will tell you when this happens.
• You can disconnect your bank anytime in Settings > Connected banks.

Free beta and plan limits

• PayZeroX is free during the beta. We do not charge you, and we do not ask for payment details.
• The free plan includes one connected bank (with all of its credit cards). We may change this limit.
• Beta software can have bugs and may change, pause or stop. We will try to give notice before major changes.
• Future paid features: we may later offer a paid plan, for example for more connected banks. Paid features will come with their own price and terms, shown clearly before you subscribe. Nothing changes to a paid plan without your agreement.

Acceptable use

Do not:

• connect accounts that are not yours or that you are not allowed to access
• try to access other users' data, our servers or systems without permission
• probe, attack, overload or get around the app's security or limits
• copy, reverse engineer or resell the app, except where the law allows
• use PayZeroX for anything illegal or fraudulent

Our app and your data

• PayZeroX, including its design, code and name, belongs to Hitham Hauter. We give you a personal, non-transferable right to use the app while you follow these terms.
• Your financial information stays yours. We use it only as described in our Privacy Policy.
• If you send us feedback or ideas, we may use them without owing you anything.

Disclaimers

PAYZEROX IS PROVIDED "AS IS" AND "AS AVAILABLE". To the fullest extent the law allows, we make no warranties, express or implied, including that the app will be accurate, uninterrupted, error-free or fit for a particular purpose. We do not guarantee that you will become debt-free by any date.

Limitation of liability

To the fullest extent the law allows:

• We are not liable for indirect, incidental, special or consequential damages, or for lost money, late fees, interest charges, credit score changes or lost data, arising from your use of PayZeroX.
• Our total liability for any claim about PayZeroX is limited to the greater of the amount you paid us in the 12 months before the claim or $50.

Some places do not allow these limits, so some of them may not apply to you.

Ending your account

• You can delete your account anytime in Settings > Delete Account. We end your bank connections and delete your data as described in the Privacy Policy.
• We may suspend or close an account that breaks these terms, puts other users at risk, or is required by law. Where reasonable, we will tell you why.
• The sections on not financial advice, disclaimers, limitation of liability and governing law continue after your account ends.

Changes to these terms

We may update these terms. We will change the effective date above and, for important changes, tell you in the app or by email before they apply. If you keep using PayZeroX after that, you accept the new terms.

Governing law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law rules.

Apple

These terms are between you and Hitham Hauter, not Apple. Apple is not responsible for PayZeroX or its content.

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