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.
Using Zero Debt
Zero Debt is a personal debt-planning tool. It helps you compare payoff approaches, track balances and payments, and understand how changes affect your timeline.
You must be 18 or over to create an account. By using the site or creating an account, you agree to these terms. If you do not agree, do not use the service. Our Privacy Policy and Cookie Policy explain how we handle personal data and cookies.
Important service limitation
Zero Debt does not provide financial, legal, tax, credit, debt counselling, or investment advice. The service is a planning and organisation tool only.
Zero Debt is not regulated by the Financial Conduct Authority (FCA). Our calculators and planning tools provide educational information and estimates only; they are not financial advice.
Calculations, projections, and charts are estimates based on the information you enter. You are responsible for checking your figures and deciding what action to take.
Accounts and security
You are responsible for keeping your login details secure and for activity that happens through your account unless the law says otherwise.
- Keep your email address and account information accurate and up to date.
- Do not share your password or use another person's account without permission.
- We may suspend access if we reasonably believe an account has been compromised or is being misused.
- We use email as the sign-in identifier and do not require a legal name or username at signup.
Zero Debt Pro, billing, and cancellation
Some advanced features are available with Zero Debt Pro. If you choose Pro, pricing and key billing details will be shown to you before checkout.
Zero Debt Pro billing is handled by Stripe. Unless we tell you otherwise at checkout, Pro subscriptions renew automatically until cancelled. You can manage billing details and cancellation through the plan area and Stripe customer portal where available.
If we change the price of Zero Debt Pro, we will tell you by email before the change applies to your next renewal. The new price will not apply until your next renewal after that notice, and you can cancel before then if you do not want to continue.
If a payment fails, a subscription ends, or you cancel renewal, your access may change at the end of the paid period. Nothing in these terms removes any cancellation or refund rights you may have under applicable consumer law.
Refunds and consumer cancellation rights
Zero Debt offers a full refund when you cancel a Zero Debt Pro subscription within 14 calendar days of subscribing (the date the contract starts). We provide the full refund even if Pro access has started or the workspace has been used. Customers in EU countries may have equivalent or additional rights under local law.
After the applicable cancellation period, cancelling normally stops future renewals rather than refunding the current paid period, unless another legal right applies. If you want to cancel or ask about a refund, Pro subscribers can use the support form; anyone can use the public contact form. We will handle any refund due under applicable law.
Your data and content
You remain responsible for the data you enter into Zero Debt and for making sure you have the right to use it. You must not upload unlawful material or personal data about other people unless you have a valid reason and lawful basis to do so.
We use your data to provide the service in line with our Privacy Policy. You keep ownership of the content you enter, but you give us permission to process it as needed to operate the service for you.
Acceptable use
Use the service lawfully and reasonably. Do not try to break, probe, overload, scrape, or reverse engineer the service except where the law clearly permits it.
- Do not use the service to harass, defraud, or harm others.
- Do not attempt unauthorised access to accounts, systems, or data.
- Do not interfere with security, rate limits, abuse protections, or billing systems.
- Do not submit third-party personal data unless you have a lawful basis to do so.
Suspension and termination
We may suspend or end access where this is reasonably necessary for security, legal compliance, non-payment, operational protection, or suspected misuse of the service.
You can stop using the service at any time. If you want your account deleted, follow the account controls or contact us, but note that active paid subscriptions may need to be cancelled first.
Liability
We provide Zero Debt with reasonable care and skill. If we fail to do so, we are responsible for loss or damage you suffer that was a foreseeable result of our failure. Loss is foreseeable if it was obvious it would happen, or if both of us knew it might happen when you started using the service. As explained under Important service limitation, projections are estimates, and you remain responsible for checking payment dates, interest rates and promotional deadlines with your lenders.
To the extent permitted by law, we are not responsible for:
- losses caused by information you entered being incorrect or out of date;
- decisions you make based on a projection, including fees, interest or charges from your lenders;
- business losses, such as lost profit or lost business opportunity, because Zero Debt is for personal use only;
- events outside our reasonable control.
Subject to the paragraph below, our total liability to you for all claims arising from your use of Zero Debt is limited to the greater of the total amount you paid us for Zero Debt Pro in the 12 months before the event giving rise to the claim, or £100.
Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, liability for fraud or fraudulent misrepresentation, any other liability that cannot legally be excluded or limited, or your statutory rights as a consumer, including under the Consumer Rights Act 2015. Citizens Advice can tell you more about your consumer rights.
Changes to the service or these terms
We may update the service and these terms from time to time. If we make a material change, we will update this page and, where appropriate, bring the change to your attention before it takes effect.
Complaints
If you are unhappy with the service, contact us through the contact form or by email with details of your complaint. We aim to acknowledge complaints within 5 business days and to give you a full response within 14 days. If a complaint needs longer to investigate, we will tell you why and when to expect a response. If you are not satisfied with our response, you may be able to pursue the matter through the courts or, for privacy concerns, the Information Commissioner's Office.
Governing law
These terms are governed by the law of England and Wales. You can bring legal proceedings in the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts.
Contact
If you need help with the service or have a question about these terms, use the contact form.