Privacy Policy

Quintaeon Holdings LLC ("Quintaeon," "we," "us," or "our") provides the ZeroBound mobile application and the website at zeroboundfinance.com (together, the "Services").

ZeroBound is an offline-first debt payoff calculator. This policy explains what stays on your device, what leaves it, and how to reach us at support@zeroboundfinance.com.

Debt information stays on your device

When you add debts, ZeroBound stores this information locally on your phone or tablet:

• The name and category you enter
• Balance, annual percentage rate (APR), and minimum payment
• The payoff strategy you select (Snowball or Avalanche)
• Any extra monthly payment, and the timelines calculated from those inputs

Your debts never leave this device. There is no account and no cloud sync. We do not receive your balances, rates, creditor names, or payoff plans, and we cannot see them. Uninstalling ZeroBound, or choosing Reset offline data in Settings, deletes that information from the device. We cannot restore it.

Purchases

ZeroBound Pro, if you choose to buy it, is billed by Google Play. Google processes the payment under its own terms. We never receive your card number, bank account, or full billing details.

The app uses RevenueCat to check whether Pro is active on the device. For that check, RevenueCat receives an anonymous app user ID created on the device and subscription status, such as whether Pro is active and which plan is attached. Your debt entries are not included. The Pro flag is not written into the local debt file. It is read from the store entitlement when the app can reach RevenueCat.

Emails you send us

If you contact support@zeroboundfinance.com, we receive your email address, the message, and anything you include, such as a RevenueCat app user ID. We use that only to reply, help with a purchase, or complete a deletion request.

Settings can open a pre-filled message with the subject "Data Deletion Request - ZeroBound" and your RevenueCat app user ID, so we can find the matching purchase record.

This website

zeroboundfinance.com describes the app and hosts this policy. The site does not ask you to create an account or to enter financial information. We do not use advertising or analytics cookies.

The site is hosted on Vercel. The host may process standard technical logs, such as IP address, browser type, and the page requested, to deliver and protect the site.

What we do not do

• We do not sell personal information.
• We do not use debt information for advertising. We do not have it.
• We do not require a ZeroBound account.
• We do not upload your payoff plan to our servers.

Children

ZeroBound is not directed to children under 13, and we do not knowingly collect personal information from children.

How to delete information

On the device. Open Settings and choose Reset offline data. That deletes the debts and settings stored on that device.

Purchase records. Email support@zeroboundfinance.com with the subject "Data Deletion Request - ZeroBound". Include the Support ID shown under the version in Settings if you have it. We will delete the purchase records we control that are tied to that ID and confirm by email. That request does not erase debts stored only on your phone. Use Reset offline data for those.

If the laws where you live give you a right to access or delete personal information, email us and we will respond about the information we actually hold: support messages and purchase identifiers.

Changes

If this policy changes, we will post the new version at https://zeroboundfinance.com/privacy and update the date above. The app opens this page from Settings.

Contact

Quintaeon Holdings LLC
support@zeroboundfinance.com