Terms of service
Last updated October 7, 2026
These terms govern your use of ZeroDay, operated by CPL TX Inc. By creating an account you agree to them.
What ZeroDay is
ZeroDay is a planning tool that calculates debt payoff plans from the information you provide. It is not a lender, a debt settlement or credit counseling service, or a financial, legal, or tax advisor. Results are estimates that depend on the accuracy of your inputs and on terms set by your lenders, which can change.
Your account
You must be at least 18 and provide accurate information. You are responsible for activity under your account and for keeping your password secure.
Subscription and billing
ZeroDay costs $19.99 per month, billed in advance in US dollars, and renews automatically each month until you cancel. You can cancel at any time from your account; cancellation takes effect at the end of the current billing period and you will not be charged again. Except where required by law, payments are non-refundable. We will give you advance notice of any price change.
Acceptable use
Do not misuse the service, attempt to access other users’ data, upload content you have no right to share, or interfere with how ZeroDay works.
Statements you upload
You confirm you have the right to upload each statement. We use it only to extract the figures you review and save.
Disclaimers
ZeroDay is provided “as is.” We do not guarantee any particular financial outcome, payoff date, or savings.
Limitation of liability
To the extent allowed by law, our total liability for any claim relating to ZeroDay is limited to the amount you paid us in the 12 months before the claim.
Termination
You may stop using ZeroDay at any time. We may suspend accounts that violate these terms.
Governing law
These terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules.