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Terms of Service

Last updated: July 2026

1. Welcome to Zeteo

By downloading the Zeteo application or using our website, you agree to these Terms of Service. If you disagree with any part of these terms, you may not use our service. We've written these terms in plain English to ensure they are easy to understand.

2. Not Financial Advice

Zeteo is a personal finance management tool designed to give you clarity over your money. We provide algorithmic forecasts, budgeting tools, and visualizations based on the data you connect.

However, Zeteo does not provide professional financial, tax, or legal advice.

You acknowledge that Zeteo is a visualization and organizational tool, not a financial advisor. Any financial decisions you make based on information displayed in Zeteo are made at your own risk. Zeteo is not responsible for overdrafts, missed payments, incorrect forecasts, or any financial losses. You should always consult with a certified financial fiduciary before making significant financial decisions.

3. Bank Connections & Plaid

To provide our core service, Zeteo connects to your financial institutions using our third-party partner, Plaid Inc. ("Plaid").

  • By using Zeteo to link your bank accounts, you also agree to the Plaid End User Services Agreement.
  • Accuracy of Data: The financial data displayed in Zeteo is provided by your bank via Plaid. We are not responsible for the accuracy, completeness, or timeliness of this data. If a transaction is delayed by your bank, leading to an inaccurate forecast or an unexpected overdraft, Zeteo is not liable.
  • We may modify, suspend, or discontinue connections to specific financial institutions at any time without notice, dependent on Plaid's capabilities.

4. Subscriptions and Payments

Zeteo Premium is a paid subscription, billed monthly or annually. We offer a 14-day free trial. The trial gives you full access, and unless you cancel at least 24 hours before it ends, it automatically converts to a paid subscription and your store account is charged at that time. The current price is $8.99 per month or $79.99 per year (in USD; your app store converts to your local currency). Your subscription then renews automatically for the same period and price until you cancel.

Because platform rules require it, all billing, renewals, cancellations, and refunds are processed through the app store you subscribed through. We do not take payments on our own servers, and any refund is subject to that store's refund policies.

  • If you subscribed through the Apple App Store, manage or cancel your subscription in your Apple ID settings (Settings → your name → Subscriptions). Refunds are requested from Apple.
  • If you subscribed through Google Play, manage or cancel your subscription in Google Play → Subscriptions. Refunds are requested from Google Play.

Price changes: If we change the subscription price, we will notify you in advance by email or in-app notice, and the change will apply only after the required Apple or Google consent flow, where the store asks you to agree before any increased amount is charged. If you do not agree, your subscription will not renew at the new price.

5. Acceptable Use and Security

You are responsible for maintaining the security of your device and your Zeteo account. You must notify us immediately if you suspect unauthorized access to your account.

You agree not to reverse-engineer our application, scrape our data, attempt to overwhelm our servers, or use Zeteo for any illegal financial activities. Violating these rules will result in immediate termination of your account without a refund.

6. Limitation of Liability & “As Is” Warranty

We strive for perfection, but technology is not infallible. Zeteo is provided "AS IS," without warranties of any kind, whether express or implied. We do not guarantee that the service will be uninterrupted, error-free, or completely secure.

In no event shall Zeteo be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses arising from the use of or inability to use the service.

In no event shall Zeteo's total liability to you for all damages exceed the amount you paid for the application in the twelve (12) months prior to the claim.

The foregoing limitations do not apply to: (a) liability for death or personal injury caused by negligence; (b) liability for fraud or fraudulent misrepresentation; (c) any liability that cannot be excluded or limited under applicable law, including obligations arising from data protection legislation.

7. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Zeteo and its officers, directors, and employees from third-party claims, damages, or expenses to the extent they arise from: (a) your breach of these Terms; (b) your misuse of the Service; (c) your violation of any law; or (d) your infringement of another person's rights. This obligation does not apply to claims caused by Zeteo's own acts or omissions, and nothing in this section requires you to indemnify us where doing so is prohibited or limited by the consumer-protection laws of your jurisdiction.

8. Your Content

You retain ownership of all personal data and content you submit to Zeteo ("Your Content"). By using Zeteo, you grant us a limited, non-exclusive license to process, store, and analyze Your Content solely to provide and improve the Service as described in our Privacy Policy. This license terminates when you delete your account, subject to the data retention terms in our Privacy Policy.

We may use anonymized, non-re-identifiable, aggregated data derived from Your Content to improve the Service and for product analytics. No individual user's data can be identified from such aggregated data.

9. Third-Party Services

Zeteo integrates with third-party services including Plaid, Apple, Google, Supabase (hosted on AWS), Firebase, RevenueCat, PostHog, Sentry, and Anthropic. These are the same providers described in our Privacy Policy. We are not responsible for the availability, accuracy, or security practices of these third-party services. Your use of these services is subject to their respective terms and privacy policies.

10. Governing Law & Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the Province of British Columbia, Canada, without regard to its conflict of law provisions.

Notwithstanding the foregoing, nothing in this Agreement limits any rights you may have under applicable data protection legislation in your jurisdiction, including GDPR, CCPA/CPRA, PIPEDA, or PIPA. Users in those jurisdictions retain all statutory rights provided by those laws.

Any disputes arising from these Terms shall be resolved through binding arbitration in British Columbia, Canada, rather than in court, except for claims that qualify for small claims court.

Before initiating arbitration, the disputing party must provide written notice to the other party describing the dispute in reasonable detail and the relief sought. The parties shall have 30 days from receipt of that notice to attempt to resolve the dispute informally. Arbitration may only be initiated after this 30-day notice period has expired without resolution.

Notwithstanding this arbitration agreement, nothing in this Agreement prevents you from: (a) filing a complaint with your applicable data protection supervisory authority (including the Office of the Privacy Commissioner of Canada or any EU/EEA supervisory authority); (b) bringing claims in small claims court for disputes within that court's jurisdiction; or (c) seeking injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

This arbitration provision applies only to the extent permitted by the law that governs you. Some jurisdictions do not permit mandatory arbitration of consumer disputes; if the law where you live gives you a non-waivable right to bring your claim in court or before a consumer tribunal, this section does not take that right away.

If you use Zeteo from outside Canada, these Terms are governed by British Columbia law, but you keep any mandatory consumer-protection and data-protection rights that the law of your country of residence gives you, and nothing here waives those rights.

11. Platform Terms (Apple and Google)

These Terms are between you and Zeteo only, not with Apple Inc. or Google LLC. Where you download Zeteo from the Apple App Store or Google Play, the following also apply:

  • If you download Zeteo from the Apple App Store, Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you as they relate to your license to use the app.
  • If you download Zeteo from Google Play, these Terms are your end-user license agreement and are solely between you and Zeteo. Google is not a party to them and is not responsible or liable for them. To the extent these Terms conflict with the Google Play Developer Distribution Agreement, that agreement governs the conflicting part.
  • Apple and Google have no obligation to provide any maintenance or support for Zeteo.
  • Apple and Google provide no warranty for the app. To the maximum extent permitted by law, any statutory warranty that cannot be disclaimed is the responsibility of Zeteo, not the platform.
  • Apple and Google are not responsible for addressing any claims relating to the app, including product-liability claims, claims that the app fails to conform to legal requirements, or claims under consumer-protection or privacy law.
  • If a third party claims the app infringes their intellectual property, Zeteo (not the platform) is responsible for the investigation, defense, settlement, and discharge of that claim to the extent required by these Terms.
  • You confirm you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government restricted-parties list, as required by the app stores.

12. Beta and Testing Versions

We sometimes make pre-release versions of Zeteo available through Apple TestFlight, Google Play testing tracks, or similar programs. Beta versions are provided "as is" and may be incomplete, unstable, or changed or discontinued at any time. They carry no service-level commitment. If you send us feedback about a beta, you grant Zeteo a non-exclusive, royalty-free license to use that feedback to improve the Service, without obligation to you. You agree not to publicly disclose non-public beta features without our permission.

13. Account Death or Incapacity

Zeteo accounts are personal and non-transferable. If a user dies or becomes incapacitated, an authorized representative may contact us at support@zeteoapp.com to request closure of the account and deletion of its data, subject to reasonable verification and to the retention and shared-record limits described in our Privacy Policy. Because subscriptions are billed by the app stores, any active subscription must be cancelled through Apple or Google.

14. Changes to Terms

We reserve the right to update these Terms at any time. We will notify you of any material changes via email or an in-app notification. Continuing to use the app after changes indicates your acceptance of the new terms.

15. Contact Us

If you have questions regarding these Terms, please contact us at support@zeteoapp.com.