Terms of Service

Last updated 7 September 2026. Effective from first public release.

These terms are the agreement between you and Clanelite LLC for using Zeroly. By using the app you accept them.

1. Who can use Zeroly

You must be at least 13 years old. If you are under the age of majority where you live, you may use Zeroly only with the involvement of a parent or guardian who agrees to these terms. You must not use Zeroly if we have previously banned you, or if the law where you are prohibits it.

2. What Zeroly is, and is not

Zeroly is a tool for recording shared expenses and working out who owes what. That is the whole of it.

Zeroly is not a payment service, a money transmitter, a bank, or a lender. It never holds, transfers, or processes your money. Where the app offers to open another service such as Venmo or PayPal, it is passing you to that service — your payment is between you and them, on their terms, and we are not a party to it.

Zeroly is not financial, tax, or legal advice. Balances are arithmetic on numbers you and your friends typed in. If those numbers are wrong, the balances are wrong.

Balances are informal records. Entering an expense does not create a legally enforceable debt, and deleting one does not extinguish an obligation that exists in the real world. Disagreements about who owes what are between you and the other people involved.

3. Your account

You sign in with Apple or Google. Keep that account secure — anyone who controls it controls your Zeroly account. Tell us promptly at support@zeroly.app if you think someone else has access.

Information you give us must be accurate. One account per person; do not impersonate anyone.

4. Your content

Expenses, descriptions, notes, receipts, group names and photos you add are yours. You keep ownership of them.

You grant us the permission we need to run the service: to store your content, and to display it to the members of groups you have chosen to share it with. That permission exists so the product can function and for no other purpose. We do not use your content to train models, and we do not publish it anywhere.

You are responsible for what you add, and you confirm you have the right to add it — including any receipt or photo containing someone else's information. A receipt you attach is visible to everyone in that group, so check what is on it before you add it.

Anything you add to a group is visible to every member of that group. Treat a group as a room with those people in it.

5. Acceptable use

Do not use Zeroly to:

• Harass, threaten, defame or impersonate anyone, including through expense descriptions, notes, group names or profile details.
• Post content that is unlawful, hateful, sexually explicit, or depicts the exploitation of children.
• Record transactions for illegal activity.
• Break, probe or overload the service, or try to reach data that is not yours.
• Use automated means to scrape the service, or resell access to it.

We may remove content and suspend or close accounts that breach this section. Where user-posted content is visible to others, we provide ways to report, block and mute, and we act on reports.

6. Subscriptions and payment

Zeroly includes a paid subscription, Zeroly Plus.

• There is no free trial, and no charge to start. Zeroly is free to use from the moment you sign in, for as long as you like. Plus is an optional subscription you buy when you want it — nothing begins automatically and nothing starts charging you later.
• What the free tier is. Zeroly works. Reading your history, settling up, recording that someone paid you back, every split type, every currency, editing, deleting, exporting your data and deleting your account are never restricted. A free account has a limit on how many new expenses it can create each day — four, resetting daily, and an expense you edit never counts again. Past that you can watch a short video to add another, as often as you like, or subscribe. Plus removes the limit and the videos, and adds unlimited expenses, attaching receipts to an expense, reading a receipt with your camera and splitting it line by line, spending insights, recurring expenses, converted totals and alternate app icons.
• Receipts — what Plus actually buys. The feature is reading a receipt: you point the camera at it and Zeroly fills in the amounts, so you do not type twelve lines by hand. That is what you are paying for, and it works every time you use it.

  Plus is what lets you add a receipt and read it with the camera. Looking at one is not gated: everybody in the group can open a receipt somebody attached, whether they subscribe or not. If your Plus ends you keep the receipts already attached to your expenses — you simply cannot add new ones.

  Keeping the photograph afterwards is a convenience, not a promise. We store it so the group can glance at it, and we shrink it on your phone before it is sent. Zeroly is not a document store, a filing service, or a place to keep records you rely on. We do not guarantee that a receipt image will still be there, and you should keep your own copy of anything that matters to you.

  A receipt belongs to the expense it is attached to, and goes when that goes. Delete the expense and the receipt is deleted with it once Recently Deleted clears. Delete your account and every receipt you uploaded is deleted too. Ending a subscription does not delete anything. We are under no obligation to keep a receipt image for any particular period, and you should still keep your own copy of anything that matters to you.

  To the fullest extent the law allows, we are not liable for a receipt image being unavailable, altered or lost. Section 10 applies, including the parts of it we cannot lawfully exclude.

• Prices are shown in the app before you purchase, in your local currency, and may differ by region. We may change prices; a change never applies to a period you have already paid for, and Apple will ask you to agree before any increase takes effect on a renewal.
• Billing and auto-renewal. Purchases are made through your Apple ID and are handled by Apple, not by us. Subscriptions renew automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel in Settings → your name → Subscriptions on your device.
• Refunds are handled by Apple under their policy, not by us. Request one at reportaproblem.apple.com. Write to us anyway if something went wrong — we would rather know.
• If your subscription lapses, your expenses, payments, groups, balances and notes are never deleted or hidden. You keep full read access to your entire history, and you can still export and delete it. Receipt images are included in that: ending a subscription stops you adding new ones and takes nothing away.

7. Availability and changes

We aim to keep Zeroly running but do not promise uninterrupted service. We may change, add or remove features. If we remove something you are paying for, or make a change that materially reduces what a Plus subscription provides, we will tell you in the app beforehand.

If we ever discontinue Zeroly, we will give reasonable notice and time to export your data.

8. Ending the agreement

You may stop at any time by deleting your account in the app — Account → Delete account. See what happens when you delete.

We may suspend or close an account that breaches these terms, or where required by law. Except where the breach is serious or we are legally prevented, we will tell you why and give you a chance to respond.

9. Disclaimer of warranties

Zeroly is provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that balances it calculates are accurate, since they depend entirely on what people enter.

Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

10. Limitation of liability

To the fullest extent permitted by law, Clanelite LLC will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data, or amounts you owe to or are owed by another person, arising out of your use of Zeroly.

Our total liability for any claim relating to Zeroly is limited to the greater of the amount you paid us in the twelve months before the claim, or twenty US dollars.

Nothing here excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud. Some jurisdictions do not allow these limitations, so they may not apply to you.

11. Indemnity

You agree to indemnify Clanelite LLC against claims brought by a third party arising from content you added, your breach of these terms, or your misuse of the service.

12. Governing law and disputes

These terms are governed by the laws of the Commonwealth of Pennsylvania, United States, without regard to its conflict-of-laws rules. Courts located in Pennsylvania have jurisdiction, and you and we consent to that venue.

If you are a consumer resident in the European Union, the United Kingdom, or another jurisdiction whose law gives you the right to bring proceedings locally and to the protection of mandatory consumer rules, this section does not take those rights away.

Before starting proceedings, please write to support@zeroly.app. Most things are resolvable that way.

13. General

If a provision is found unenforceable, the rest stays in force. Our not enforcing a provision is not a waiver of it. You may not transfer these terms; we may transfer them to a successor of the business. These terms and the Privacy Policy are the entire agreement between us about Zeroly.

If we change these terms materially, we will tell you in the app before the change takes effect. Continuing to use Zeroly after that means you accept the change.

Your use of Zeroly is also subject to Apple's App Store terms. Apple is not a party to this agreement and has no obligation to provide support for Zeroly.

14. Contact

support@zeroly.app
Clanelite LLC, Pennsylvania, United States