Privacy Policy

ZeroAhead (“we,” “us”) is a debt-payoff guidance app operated by Zeroahead LLC (“the Company”). This policy explains what information we collect, how we use it, and the choices you have. We wrote it in plain language on purpose — if anything is unclear, contact us at support@zeroahead.com.

What ZeroAhead does

ZeroAhead helps you plan debt payoff. You enter your own numbers — income, bills, debts, and spending — and the app suggests what to do next. ZeroAhead never moves your money, never connects to your bank, and never asks for your bank login. You pay your lenders directly, outside the app.

Information we collect

Account information. When you create an account, we collect your email address and a password (stored as a secure hash — we never see your actual password). If you sign in with Google, we receive your name and email address from Google.

Financial information you enter. Debts, balances, interest rates, minimum payments, due dates, bills, income sources, paydays, spending amounts, savings goals, and upcoming needs — everything you type into the app. This is the core of the service, and it exists so the app can build your plan. Because you provide this information specifically to receive the service, you consent to our processing it for that purpose. We process it only to operate the app as described in this policy.

Household sharing. If you invite a partner, we collect their email address to send the invitation. Both household members can see and update the same debts, plan, and progress.

Automatically collected information. Our hosting provider (Cloudflare) collects basic, privacy-respecting analytics such as pages visited and device type. The app also stores your login session on your device (local storage) to keep you signed in. We do not use advertising trackers.

What we do NOT collect

• Bank account numbers, routing numbers, or bank login credentials. The app has no bank-connection feature.
• Payment card details. There is currently no paid tier; if that changes, payments will be processed by a PCI-compliant payment provider and we will update this policy first.

How we use your information

• To operate the app: build your payoff plan, track progress, and send account-related emails (sign-in, password resets, household invitations).
• To improve the service: understand which features are used, in aggregate.
• To comply with the law and protect the service from abuse.

We do not sell your personal information, and we do not share it for cross-context behavioral (targeted) advertising. We do not share it with advertisers or data brokers.

Service providers

Your data is stored and processed by:

• Supabase — database and authentication infrastructure.
• Cloudflare — hosting and privacy-respecting web analytics.
• Google — only if you choose “Continue with Google” for sign-in.

These providers process data only to provide their services to us and are bound by their own privacy obligations.

Categories of personal information

For purposes of state privacy laws such as California’s, the categories we collect are: identifiers (name, email address); financial information you voluntarily provide (debts, income, bills, spending); internet or network activity (pages visited, device type, via privacy-respecting analytics); and account credentials (password hash). We use sensitive information only to provide the service you requested.

If you access ZeroAhead from outside the United States, you consent to your information being processed in the United States.

Your choices and rights

In the app, you can at any time:

• Export: download all of your data as JSON (Profile → Export my data).
• Delete: delete your account and data (Profile → Delete my account).
• Start over: reset your plan without deleting your account (Profile → Start over with a new plan).

Depending on your state of residence, you may also have the right to: know what personal information we collect and how we use it; obtain a copy of your personal information; correct inaccurate information; delete your personal information; opt out of the sale of personal information or its use for targeted advertising (we do neither); and not be discriminated against for exercising these rights.

To exercise any of these rights, email support@zeroahead.com. We will respond within 45 days. If we decline your request, you may appeal by replying to our response.

We do not send marketing email. Account-related emails (password resets, invitations) are part of the service.

Data retention

We keep your account and plan data for as long as your account is active. If you delete your account, we delete your personal data within 30 days, except where we must retain it to comply with legal obligations.

Security

We use encrypted connections (HTTPS), secure authentication, and access controls on our infrastructure. In the event of a data breach affecting your personal information, we will notify you as required by applicable law. No system is perfectly secure, so we encourage you to use a strong, unique password.

Children

ZeroAhead is not directed at children under 18, and we do not knowingly collect their information.

Changes to this policy

If we make material changes, we will notify you in the app or by email before they take effect. Continued use after the effective date means you accept the updated policy.

Contact

Zeroahead LLC
Email: support@zeroahead.com