Terms of Service & Privacy Policy 

Last modified September 17, 2026. 

THE BOTTOM LINE UP FRONT 

At Zero, protecting your privacy is our core commitment. We collect only the information our users volunteer and that is necessary to provide our services. Unless it is volunteered, we collect no information about a user’s identity. As a noncustodial application – unlike other services – we hold no decryption keys and therefore have no access to users’ accounts. To the extent we come into possession of a user’s personal data (for example, if it is volunteered outside of the Zero app), we will never sell or market it and will only transfer or disclose it according to the limitations defined in this policy. 

TERMS OF SERVICE 

By using or installing the apps, services, or website (the “Services”) offered by Zero Information, Inc., its subsidiaries, and affiliates (“Zero”), you agree to be bound by these Terms of Services (“Terms”). 

Age. You must be at least 13 years of age, or the minimum age applicable in your country, to use our Services. Minors must additionally have their parent or guardian’s permission to use the Services. 

Authorized Uses. You agree not to use the Services for any illegal or otherwise prohibited purpose. This includes but is not limited to: 

1. Disrupting Zero’s Services or infrastructure 

2. Accessing, sharing, downloading, uploading, or otherwise engaging in activity with respect to illegal content, including Child Sexual Abuse Material (“CSAM”) 

3. Engaging in any criminal activity, including communications to facilitate any conspiracy or criminal enterprise; the creation, possession or dissemination of CSAM; the destruction or concealment of evidence subject to any official investigation; obstruction of justice; or providing instructions to another person on the commission of any crime or wrongful act 

4. Engaging in any abusive, obscene, defamatory, threatening, intimidating, harassing, hateful conduct, or any similar conduct that would violate the law in your jurisdiction 

5. Infringing upon the intellectual property rights of Zero or any third party 

6. Impersonating another person, sharing your login or account recovery credentials, or otherwise allowing another person to use your account 

7. Engaging in spamming or otherwise sending unsolicited bulk materials, phishing, spearphishing, or otherwise seeking to gain access to another person’s accounts, systems, or information 

8. Using multiple free accounts to evade Zero’s conditions of payment  

Limited Warranties and Liability. Zero makes no warranty about the reliability of the Services or the security of user data. The Service is provided “as is” and “as available,” without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, accuracy, non-infringement, or warranties that may arise from course of dealing or course of performance or usage of trade. It is the user’s responsibility to ensure the ultimate privacy and security of the information they may possess. 

As a noncustodial service, Zero possesses no decryption keys. Zero has no obligation to, and is technically unable to, access your account or data, or assist you in the recovery of your account or data. You acknowledge and agree the responsibility for safekeeping any login information, recovery keys, and data is your own, and Zero has no responsibility in this regard. 

To the extent not prohibited by law, you acknowledge and agree that in no event will Zero be responsible or liable to you or any third party, under any theory of responsibility or liability, for any indirect, special, exemplary, incidental, consequential, or punitive damages (including, but not limited to, procurement of substitute goods or services; loss of data, use, or profits; business interruptions; or any other damages or losses), for any multiplier on or increase to damages, or for any costs or fees (including attorneys’ fees), whether under these Terms or otherwise, arising in any way in connection with your Account, the Services, or these Terms, whether arising at law, in equity, or otherwise, and whether based in contract, strict liability, tort (including negligence or otherwise), common law, statute, equity, or otherwise, even if we have been advised of the possibility of such damage, or for any other claim, demand, or damages whatsoever, arising out of or related to your use or inability to use your Account or the Services. 

Without limiting the foregoing, and to the extent not prohibited by law, the total liability of the Company’s parties for any reason whatsoever arising out of or related to the use of, or inability to use the Services, or these Terms, shall not exceed $100, or the amount you paid us, if any, for use of the Services, whichever amount is greater. This liability, if any, shall be complete and exclusive. The foregoing limitations will apply even if the above stated remedy fails of its essential purpose. 

In jurisdictions that do not permit the waiver of implied warranties, the limitation of liability of certain damages set forth above, including the provisions of this section that limit or exclude special, exemplary, consequential, or punitive damages, or limit or exclude the use of any multiplier on or increase to damages, and limit the liability of Zero to the greater of either $100 or the amount paid by you for use of your Account or the Services. 

IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE § 1542, WHICH SAYS: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY. 

DATA PRIVACY RIGHTS AND PROTECTIONS 

User data and Zero’s access to it. When you create an account and use Zero, we have access to the following information. 

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How we secure your data. We use administrative, technical, and physical safeguards to protect any personal information from unauthorized access, use, or disclosure. We do so principally by collecting the absolute minimum of information about users and only information they volunteer and employing encryption on a noncustodial basis. We require our service providers to maintain appropriate security measures. While Zero is designed to optimize security and privacy, no system can be guaranteed fully secure. 

How we use, disclose, and transfer your data. Zero possesses the minimum information about you and only information that you volunteer. In the rare circumstance Zero comes into possession of personal information about a user, we may use it to detect and prevent fraud or abuse of Zero and to comply with legal obligations. We may disclose certain information to service providers who perform functions on our behalf, such as our support platform, cloud hosting, and IT security. These providers are contractually restricted to using data only to perform services for us‍. 

Zero Information, Inc. is the controller of any personal information collected under this policy, acting together with its subsidiaries and affiliates. Zero operates across multiple jurisdictions, including where it does not maintain a subsidiary presence. Any information that we possess may be transferred to, stored in, and processed in any of these locations as necessary. Where required by law, we implement appropriate safeguards for such transfers, such as the UK International Data Transfer Agreement or Standard Contractual Clauses. You may contact us for more information about these safeguards. 

Zero cooperates with government investigations and complies with all lawful orders of government agencies. Although Zero has no access to your private key and is physically unable to decrypt your messages, we may disclose information to which we have access, such as the randomized alphanumeric code associated with your account if legally compelled to do so.  

It is Zero’s policy not to provide the Services in jurisdictions where we are actually compelled to create a “secret backdoor” or similar access point for any government, and to  withdraw from any jurisdictions in which Zero is actually compelled to submit to any so-called secret “national security order” or similar directive purporting to compel the disclosure of user data. 

Changes to this policy. We may revise this Policy. If we make material changes, we will post the revised Policy with a new effective date and, where required by law, provide additional notice. 

Contact us. If you have questions, please contact us at Privacy@Zero.tech 

AGREEMENT TO ARBITRATE 

If you are not a user in the United States or Canada, you agree that any claim or cause of action you have against Zero, and for any claim or cause of action Zero files against you, you and Zero agree that any such claim or cause of action (“Dispute”) will be resolved exclusively in the United States District Court for the Southern District of California or a state court located in Los Angeles County in California and you agree to submit to the personal jurisdiction of such courts for the purposes of litigating any such claim or cause of action, and the laws of the State of California will govern any such claim or cause of action without regard to conflict of law provisions. Without prejudice to the foregoing, you agree that, in our sole discretion, we may elect to resolve any Dispute we have with you that is not subject to arbitration in any competent court in the country in which you reside that has jurisdiction over the Dispute. 

IF YOU ARE A USER IN THE UNITED STATES OR CANADA PLEASE READ THIS SECTION CAREFULLY BECAUSE IT CONTAINS ADDITIONAL PROVISIONS APPLICABLE ONLY TO OUR UNITED STATES AND CANADA USERS. IF YOU ARE A ZERO USER LOCATED IN THE UNITED STATES OR CANADA, YOU AND WE AGREE TO SUBMIT ALL DISPUTES TO BINDING INDIVIDUAL ARBITRATION, EXCEPT FOR THOSE THAT INVOLVE INTELLECTUAL PROPERTY DISPUTES AND EXCEPT THOSE THAT CAN BE BROUGHT IN SMALL CLAIMS COURT. THIS MEANS YOU WAIVE YOUR RIGHT TO HAVE SUCH DISPUTES RESOLVED IN COURT BY A JUDGE OR JURY. FINALLY, YOU MAY BRING A CLAIM ONLY ON YOUR OWN BEHALF, AND NOT ON BEHALF OF ANY OFFICIAL OR OTHER PERSON, OR CLASS OF PEOPLE. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN, OR HAVE YOUR DISPUTE HEARD AND RESOLVED AS, A CLASS ACTION, A CLASS ARBITRATION, OR A REPRESENTATIVE ACTION. 

“Excluded Dispute” means any Dispute relating to the enforcement or infringement of your or our intellectual property rights (such as copyrights, trademarks, domains, logos, trade dress, trade secrets, and patents) or efforts to interfere with our Services or engage with our Services in unauthorized ways (for example, automated ways). For clarity and notwithstanding the foregoing, those Disputes relating to, arising out of, or in any way in connection with your rights of privacy and publicity are not Excluded Disputes. 

Federal Arbitration Act. The United States Federal Arbitration Act governs the interpretation and enforcement of this “Special Arbitration Provision For United States Or Canada Users" section, including any question whether a Dispute between Zero and you is subject to arbitration. 

Duty to arbitrate for users in the United States and Canada. For Zero users who live in the United States or Canada, Zero and you each agree to waive the right to a trial by judge or jury for all Disputes, except for the Excluded Disputes. Zero and you agree that all Disputes (except for the Excluded Disputes), including those relating to, arising out of, or in any way in connection with your rights of privacy and publicity, will be resolved through final and binding arbitration. Zero and you agree not to combine a Dispute that is subject to arbitration under our Terms with a Dispute that is not eligible for arbitration under our Terms. 

Before you commence arbitration of a Dispute, you must provide us with a written Notice of Dispute that includes your (a) name; (b) residence address; (c) username; (d) email address or phone number you use for your Zero account; (e) a detailed description of the dispute; and (f) the relief you seek. Any Notice of Dispute you send to us should be mailed to Zero at the address made available on our website. Before we commence arbitration, we will send you a Notice of Dispute to the email address you provide, or other appropriate means. If we are unable to resolve a dispute within sixty (60) days after the Notice of Dispute is received, you or we may commence arbitration. 

The arbitration will be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules in effect at the time the arbitration is started, including the Optional Rules for Emergency Measures of Protection and the Supplementary Procedures for Consumer-Related Disputes (together, the “AAA Rules”). The arbitration will be presided over by a single arbitrator selected in accordance with the AAA Rules. The AAA Rules, information regarding initiating a Dispute, and a description of the arbitration process are available at www.adr.org. Issues relating to the scope and enforceability of the arbitration provision are for a court to decide. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA Rules. 

Opt-out procedure. You may opt out of this agreement to arbitrate. If you do so, neither we nor you can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing postmarked within 30 days of the later of: (a) the date that you first accepted our Terms; and (b) the date you became subject to this arbitration provision. To opt out, you must mail us at the address provided on our website. You must include: (i) your name and residence address; (ii) the mobile phone number associated with your account; and (iii) a clear statement that you want to opt out of our Terms’ agreement to arbitrate. 

No class actions, class arbitrations, or representative actions. We and you each agree that if you are a Zero user located in the United States or Canada, each of we and you may bring Disputes against the other only on its or your own behalf, and not on behalf of any other person or entity, or any class of people. We and you each agree not to participate in a class action, a class-wide arbitration, Disputes brought in a private attorney general or representative capacity, or consolidated Disputes involving any other person or entity in connection with any Dispute. If there is a final judicial determination that any particular Dispute (or a request for particular relief) cannot be arbitrated in accordance with this provision's limitations, then only that Dispute (or only that request for relief) may be brought in court. All other Disputes (or requests for relief) remain subject to this provision.