DRAFT — not yet reviewed by an attorney. This page is a starting point, not a binding legal document. Do not rely on it as final Terms, Policy, or Disclaimer language until qualified legal counsel has reviewed and approved it.

Financial Disclaimer

Last updated: August 2026 (draft)

ZERA provides educational financial organization and allocation tools. ZERA does not provide individualized investment, accounting, tax, legal, or financial advice. Allocation percentages and financial strategies may not be appropriate for every person or business. Consider consulting qualified financial, tax, accounting, and legal professionals regarding your individual circumstances.

No Guaranteed Outcomes

Using ZERA does not guarantee any specific financial result, including profitability, debt elimination, financial independence, or investment performance. Your ZERA Score measures consistency with a self-selected plan — it is not a credit score, a measure of net worth, or a prediction of future results.

Not a Substitute for Professional Advice

Nothing in the app, this website, or any ZERA communication should be interpreted as a recommendation to buy, sell, or hold any investment, or as tax, legal, or accounting advice. Your circumstances are unique; a qualified professional can evaluate them in ways a general-purpose tool cannot.

Faith-Informed Language

ZERA’s branding draws on Biblical concepts of stewardship, sowing, and harvest. This language is intended to communicate a philosophy of intentionality, not a promise that financial outcomes are tied to faith, giving, or any spiritual practice. ZERA does not claim that using the product will cause any particular financial or spiritual outcome.