Terms of Service
Last updated: October 7, 2025
The Plain English Version
Welcome to zfinx.ai. We're different. We measure success by how quickly you don't need us anymore.
Free trial available globally. Paid subscriptions require a US-issued payment card. Content is US-focused, though the underlying principles are universal.
By using zfinx.ai, you agree to these terms. If you don't agree, don't use the site. Simple.
Eligibility
- Free Trial: Available globally to anyone 18+ with a valid email address
- Paid Subscriptions: Require a US-issued payment card (processed via Stripe)
- Age 18+: You must be at least 18 years old
- Valid Email: You must provide a valid email address
Content is currently US-focused, though the underlying financial principles are universal. We reserve the right to verify eligibility and terminate accounts that don't meet these requirements.
Critical Disclaimer: Education Only
THIS IS A FINANCIAL EDUCATION PLATFORM ONLY.
We provide general educational content about personal finance concepts. We do NOT provide:
- Personalized financial advice
- Investment recommendations
- Tax guidance
- Legal advice
All content is generic and educational. Any examples using numbers, ages, or situations are hypothetical. Apply concepts to your situation at your own discretion.
What We Are (And Aren't)
We ARE:
- A financial education platform (free trial global, paid US-only)
- A tool for tracking your general anxiety level about money
- A source of weekly educational nudges
We ARE NOT:
- Registered investment advisors
- Licensed financial planners
- Tax professionals
- Fiduciaries
Your Account
- Anonymous by design: We don't collect personal financial information
- Email only: Just for login and weekly nudges
- Generic data: Your selections help us show relevant education
Payments & Refunds
- Processor: Stripe handles all payments securely
- Plans: Monthly ($10/month) or Annual ($100/year) billed in USD
- Payment methods: US-issued credit/debit cards only. International cards will be declined.
- Refunds: Cancel anytime through your account. No partial refunds
- Price changes: 30 days notice before any increases
Educational Content
Nature of Content:
- General financial education principles based on US systems
- Hypothetical examples using US scenarios
- Generic calculators for US financial situations
- Research-based insights for US financial planning
The Legal Stuff
NO WARRANTIES: Educational content is provided "as is." We don't guarantee outcomes.
LIMITED LIABILITY: Our maximum liability equals your last 12 months of fees. You're responsible for your financial decisions.
INDEMNIFICATION: You'll cover our costs if you misuse the service.
INTELLECTUAL PROPERTY: Our content is copyrighted. Don't republish without permission.
Regulatory Compliance
Zero Financial Anxiety Inc. is NOT registered with the SEC, FINRA, or any state securities regulator because we provide only general education, not advice. Our content is currently designed for US financial systems and regulations, though the underlying principles are universal.
Termination
- You can cancel anytime: Via your account dashboard
- We can terminate for: Terms violations, ineligibility, or legal requirements
- Data deletion: Request full deletion anytime
Disputes
- Governing law: Delaware, USA
- Jurisdiction: Courts in Delaware
- Process: Good faith discussion → Mediation → Arbitration
- No class actions: Individual proceedings only
Changes
We may update these terms with 30 days notice via email.
Contact
Zero Financial Anxiety Inc.
A Delaware C Corporation
Email: sanjay@zfinx.ai
Privacy Policy
Last updated: October 7, 2025
Our Privacy Philosophy
We collect the absolute minimum. No personal financial data. No creepy tracking. Just what's needed to deliver financial education.
Access: Free trial available globally. Paid subscriptions require US-issued payment cards. Content is US-focused, though underlying principles are universal.
What We Collect
Account Information
- Email address: For login and weekly nudges (via SendGrid)
- Password: Encrypted, we can't see it
- Payment info: Handled entirely by Stripe
Educational Preferences (All Generic)
- Which lessons interest you
- Which calculators you want
- Your demographic category (young/older adult)
- Quarterly anxiety level (low/medium/high)
Technical Data
- Basic analytics: Pages visited, features used
- Browser type and IP address (for security)
- Session cookies (for login state only)
What We DON'T Collect
- Income or net worth
- Account balances
- Investment holdings
- Social Security numbers
- Birth dates
- Specific financial goals
- Personal financial history
Cookie Policy
We use cookies ONLY for:
- Keeping you logged in
- Basic site functionality
- Security purposes
We DON'T use cookies for:
- Tracking across websites
- Behavioral advertising
- Building profiles
- Third-party marketing
How We Use Data
Service Delivery
- Send weekly educational nudges via SendGrid
- Show relevant educational content
- Process payments via Stripe
- Provide customer support
Service Improvement
- Understand which lessons help most
- Improve educational content
- Fix technical issues
Service Providers
We share data ONLY with:
- Railway: Hosts our website (US servers)
- Stripe: Processes payments (PCI compliant)
- SendGrid: Sends emails (weekly nudges)
These providers access only what's necessary for their specific service.
Data Security
- All data encrypted in transit (HTTPS)
- Passwords encrypted at rest
- Regular security reviews
- Minimal data retention
- No personal financial data to protect
Educational Content & AI
We use AI tools (Claude, ChatGPT, NotebookLM) to create generic educational content. Your individual data is NEVER:
- Fed to AI systems
- Used for AI training
- Shared with AI providers
State Privacy Rights
California (CCPA)
California residents have additional rights:
- We don't sell personal information
- Full access and deletion rights
- No discrimination for exercising rights
Other States
We extend similar rights to all US users regardless of state.
Children's Privacy
zfinx.ai is for adults 18+. We don't knowingly collect data from children.
Service Availability
Free trial available globally to anyone 18+ with a valid email address. Paid subscriptions require a US-issued payment card (credit/debit). While our content is currently US-focused, the underlying financial principles are universal and applicable globally.
Regulatory Status
Zero Financial Anxiety Inc. provides general education only. We're not regulated as investment advisors because we don't collect personal financial information or provide personalized advice.
Changes
We'll email you about any material changes to this policy.
Contact Us
Privacy Officer
Zero Financial Anxiety Inc.
Email: sanjay@zfinx.ai
Data Requests: sanjay@zfinx.ai
General Support: sanjay@zfinx.ai
Bottom Line: We keep it simple. Generic education only. Minimum data. Maximum privacy. When you achieve financial peace and don't need us anymore, we'll delete your data and celebrate your success.