Legal entity and contact details
The Zero Debt website is operated by CORE ZERO LTD, a private limited company registered in England and Wales (company number 17451720). Registered office: 128 City Road, London, United Kingdom, EC1V 2NX.
For legal, privacy, or service questions, use our contact form.
What this policy covers
Zero Debt uses a small amount of cookies and browser storage to keep the service secure, remember preferences, and save temporary drafts. This policy covers cookies, localStorage, and sessionStorage.
Cookies we use
Necessary cookies support sign-in, security, and core service functions, so they do not need your consent. We do not currently use advertising or analytics cookies.
| Name | Purpose | Type | Duration |
|---|---|---|---|
zerodebt-session | Keeps you signed in | Necessary | Until you sign out or the session times out |
zerodebt.csrf.v2 | Protects forms and account actions against forged requests | Necessary | Up to 12 hours |
zerodebt.known-device.v1 | Recognises a browser you have signed in from, so someone else's failed login attempts cannot lock you out | Necessary | 1 year |
zerodebt.theme.v1 | Remembers your light or dark theme | Necessary (preference) | 1 year |
zerodebt.data-export.cooldown.v1 | Stops repeated data-export downloads | Necessary | 2 minutes |
| Other short-lived protection cookies | Prevent repeated sensitive actions | Necessary | A few minutes |
cf_clearance (Cloudflare) | Records that your browser passed Cloudflare's security check, so you are not asked again | Necessary | Up to 1 year |
__cf_ob and other Cloudflare security cookies (such as __cf_bm) | Protect website traffic and Turnstile checks on some forms from automated abuse | Necessary | Until you close your browser, or short-lived |
Temporary browser storage
Some features use browser storage instead of cookies. This data stays on your device and can be cleared through your browser settings.
- Session storage: holds temporary drafts and similar in-session information until the tab or browser session ends.
- Local storage: remembers settings and interface state on the same device until you clear it.
- Cloudflare: Cloudflare's security check may store a tab identifier (
_cfPre_tabId) in session storage. It holds no personal information and is removed when the tab closes. - Some locally stored information may mirror data already saved in your account so the interface can recover after a refresh. This is cleared from your browser when you sign out or delete your account.
Advertising
Zero Debt does not currently show advertising and does not load advertising technology. If we introduce advertising, we will update this policy and ask for your consent before any optional advertising cookies are set.
Managing your choices
You can block or clear cookies and browser storage through your browser settings, although this may sign you out, reset preferences, or clear local drafts.