Terms of Service

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 is a premium service. We offer a 14-day free trial on the Apple App Store. Afterward, a subscription is required to continue using the service ($8.99/mo or $79/yr).

Because platform rules dictate it, all billing, cancellations, and refunds are handled entirely by Apple. We cannot manually cancel your subscription or issue refunds from our servers. You must manage your subscription through your Apple ID settings.

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.

7. Indemnification

You agree to indemnify, defend, and hold harmless Zeteo and its officers, directors, and employees from any claims, damages, or expenses arising from your use of the service or violation of these Terms.

8. Third-Party Services

Zeteo integrates with third-party services including Plaid, Apple, Supabase, and Firebase. 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.

9. 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.

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.

10. 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.

11. Contact Us

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