Terms of Service

Welcome to ZhanPlan. These Terms of Service (“Terms”) form a binding legal agreement between you (“you,” “your,” or “User”) and ZhanPlan LLC, a Florida limited liability company headquartered in Tampa, Florida (“ZhanPlan,” “we,” “us,” or “our”). They govern your access to and use of the ZhanPlan website at zhanplan.com, our mobile and desktop applications, and all related products, features, content, and services (collectively, the “Services”).

BY CREATING AN ACCOUNT, CLICKING “I AGREE,” DOWNLOADING OUR APPLICATION, OR OTHERWISE USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS, INCLUDING THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 20. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

1. About the Services

ZhanPlan is a personal finance software-as-a-service (SaaS) application designed to help users plan budgets, track income and spending, manage debt, set savings and retirement goals, and gain insight into their personal finances. The Services provide financial organization tools, budgeting calculators, AI-assisted categorization, and optional AI coaching features. ZhanPlan is not a bank, broker-dealer, investment adviser, registered financial planner, accountant, tax adviser, or any other type of licensed financial professional. Nothing in the Services constitutes financial, investment, tax, legal, or accounting advice. All financial decisions are made entirely by you.

2. Eligibility

To use the Services, you must: (a) be at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater); (b) have the legal capacity to enter into a binding contract; (c) not be a person prohibited from using the Services under any applicable law, including U.S. export control laws; and (d) not have a previously terminated ZhanPlan account unless you have received our explicit written consent to create a new one. The Services are not directed to children under 13, and we do not knowingly collect information from children under 13.

3. Your Account

You must register for an account to access most features. You agree to: (a) provide accurate, current, and complete information during registration; (b) keep your account credentials confidential and not share them with any third party; (c) promptly update your information if it changes; and (d) be solely responsible for all activity that occurs under your account, whether or not authorized by you. Notify us immediately at support@zhanplan.com of any unauthorized use of your account or any other security breach. You may not create more than one account per person without our written consent.

4. Subscriptions, Fees, and Billing

5. Cancellation and Refunds

You may cancel your subscription at any time through your Account Settings, through the applicable app store (for app store subscriptions), or by contacting support@zhanplan.com. Cancellation takes effect at the end of your current billing period; you retain access to paid features until that date. All fees are non-refundable unless otherwise required by applicable law (including consumer protection laws in your jurisdiction). We do not provide refunds or credits for partial subscription periods, unused features, or plan downgrades. ZhanPlan may, in its sole discretion, offer a refund on a case-by-case basis as a courtesy. Any such courtesy does not create an obligation to provide future refunds.

6. Your Content and Data

You retain full ownership of any data, files, transactions, notes, goals, or other information you submit to the Services (“User Content”). You grant ZhanPlan a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, copy, transmit, display, modify, and process your User Content solely as necessary to: (a) provide, operate, and maintain the Services for you; (b) secure, back up, and restore the Services; (c) comply with legal obligations; and (d) improve and develop the Services using de-identified or aggregated data only.

You represent and warrant that: (a) you have all rights necessary to grant this license; (b) your User Content does not violate any applicable law, regulation, or third-party right; and (c) your User Content does not contain malware, viruses, or harmful code.

7. Acceptable Use

You agree not to use the Services to:

• Violate any applicable law, regulation, or third-party right
• Engage in fraud, deception, or any unlawful activity
• Upload or transmit viruses, malware, ransomware, or any other harmful code
• Attempt to gain unauthorized access to the Services, other accounts, our servers, or third-party systems
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code or underlying algorithms from the Services
• Scrape, crawl, spider, or harvest data from the Services through automated means without our written consent
• Resell, sublicense, rent, lease, or otherwise commercially exploit the Services without our prior written consent
• Interfere with or disrupt the integrity, performance, or availability of the Services or any connected systems
• Impersonate ZhanPlan, a ZhanPlan employee, another user, or any other person or entity
• Use the Services to transmit unsolicited bulk communications (spam)
• Circumvent or attempt to circumvent any access controls, authentication, or security features
• Use the Services in any manner that could damage, disable, overburden, or impair our servers or infrastructure

Violation of this section may result in immediate suspension or termination of your account without refund.

8. Third-Party Services and Integrations

The Services integrate with and rely upon third-party service providers including Supabase (database and authentication), Stripe (payment processing), Plaid Financial LLC (optional bank account connection), OpenAI (AI features), Resend (email), and Vercel (hosting and analytics). When you use features that depend on these services, your information is processed by them under their respective terms and privacy policies. We do not control third-party services and are not responsible for their availability, accuracy, security, or practices. A list of our service providers is available in our Privacy Policy.

9. AI-Powered Features

10. Intellectual Property

The Services, including all software, code, designs, interfaces, text, graphics, logos, trademarks, service marks, and other content (excluding User Content), are owned by ZhanPlan or its licensors and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial purposes in accordance with these Terms. All rights not expressly granted are reserved. You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any portion of the Services except as expressly permitted by these Terms or our prior written consent.

11. Feedback

If you submit ideas, suggestions, feature requests, or other feedback about the Services (“Feedback”), you grant ZhanPlan a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, sublicense, and incorporate such Feedback into the Services or any future product, without any obligation, compensation, or attribution to you. You waive any moral rights in the Feedback to the extent permitted by law.

12. Privacy

Your use of the Services is governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Security Policy and Cookie Policy are also incorporated by reference. Please review them to understand how we collect, use, protect, and share your information.

13. Financial Tools — Not Advice; Accuracy Disclaimer

ZhanPlan provides budgeting calculators, financial tracking tools, planning forecasts, and educational resources for informational and organizational purposes only. Specifically:

• Nothing in the Services constitutes financial, investment, retirement, tax, legal, insurance, or accounting advice
• We do not recommend or endorse any specific investment, financial product, or financial institution
• Projections, forecasts, and retirement estimates are based on inputs you provide and are mathematical approximations — they are not guarantees of future results
• We do not warrant that information presented through the Services is accurate, complete, current, or appropriate for your specific situation
• Past financial patterns shown in the Services do not predict future results
• You are solely and entirely responsible for all financial decisions you make
• Always consult a qualified licensed financial professional, CPA, or attorney before making material financial, investment, tax, or legal decisions

14. Disclaimers of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZHANPLAN AND ITS LICENSORS, AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION: (A) WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT; (B) WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE; (C) WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS; (D) WARRANTIES AS TO THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY CONTENT OR INFORMATION IN THE SERVICES; AND (E) WARRANTIES THAT DEFECTS WILL BE CORRECTED. NO ADVICE OR INFORMATION OBTAINED FROM ZHANPLAN WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ZHANPLAN OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR: (A) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; (B) LOSS OF PROFITS, REVENUE, GOODWILL, BUSINESS, OR ANTICIPATED SAVINGS; (C) LOSS, CORRUPTION, OR UNAUTHORIZED ACCESS TO DATA OR FINANCIAL INFORMATION; (D) COST OF SUBSTITUTE SERVICES; (E) DECISIONS MADE IN RELIANCE ON INFORMATION OR AI OUTPUTS PROVIDED BY THE SERVICES; OR (F) ANY OTHER INTANGIBLE LOSSES — IN EACH CASE, REGARDLESS OF WHETHER ZHANPLAN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE THEORY OF LIABILITY. IN ALL EVENTS, ZHANPLAN’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF: (I) THE AMOUNTS ACTUALLY PAID BY YOU TO ZHANPLAN IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR (II) ONE HUNDRED U.S. DOLLARS ($100.00). THESE LIMITATIONS ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN ZHANPLAN AND YOU, AND APPLY EVEN IF ANY LIMITED REMEDY FAILS ITS ESSENTIAL PURPOSE.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain types of damages. In such jurisdictions, the above limitations apply to the maximum extent permitted by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless ZhanPlan LLC and its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to: (a) your use of or access to the Services; (b) your User Content; (c) your violation of these Terms; (d) your violation of any applicable law or regulation; (e) your violation of any third-party rights; or (f) any inaccuracy in information you provide to us. ZhanPlan reserves the right to assume exclusive control of the defense of any matter otherwise subject to indemnification by you, at your expense, and you agree to cooperate fully.

17. Suspension and Termination

We may suspend, restrict, or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have: (a) violated any provision of these Terms; (b) engaged in fraudulent, abusive, or illegal activity; (c) posed a security, legal, or operational risk to the Services or other users; or (d) failed to pay amounts owed. We are not liable for any loss resulting from suspension or termination.

You may terminate your account at any time by canceling your subscription and submitting an account deletion request through Account Settings or by emailing support@zhanplan.com. Upon termination for any reason: your right to use the Services ends immediately; paid features become inaccessible; and we will process deletion of your data per our Privacy Policy and Data Retention schedule. The following sections survive termination: 6 (Your Content and Data — license limited to post-deletion legal obligations), 10, 11, 13, 14, 15, 16, 18, 19, 20, 21, 22, 23, 24, and any other provisions that by their nature should survive.

18. App Store Users — Additional Terms

19. Export Controls and Sanctions

The Services are subject to U.S. export control laws, including the Export Administration Regulations (EAR) and the regulations administered by the Office of Foreign Assets Control (OFAC). You represent and warrant that: (a) you are not located in, and are not a national or resident of, any country subject to a U.S. government embargo or that has been designated by the U.S. government as a “terrorist supporting” country; and (b) you are not listed on any U.S. government list of prohibited or restricted parties, including the OFAC Specially Designated Nationals list. You agree to comply with all applicable U.S. and international export control laws and regulations when using the Services.

20. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

21. Governing Law and Venue

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-laws principles. Subject to Section 20 (Arbitration), any claim or action that is exempt from arbitration or where the arbitration agreement is unenforceable will be brought exclusively in the state or federal courts of competent jurisdiction located in Hillsborough County, Florida, and you consent to personal jurisdiction in those courts. If you are a consumer resident of a jurisdiction where the choice of Florida law is not permitted (e.g., certain EU member states), local mandatory consumer protection laws of your country may additionally apply.

22. Force Majeure

ZhanPlan will not be liable for any delay or failure to perform its obligations under these Terms to the extent such delay or failure is caused by circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemic or epidemic, war, terrorism, riots, civil disturbances, governmental actions or regulations, strikes or labor disputes, power outages, internet or telecommunications failures, cyberattacks, or failure of third-party service providers (including cloud infrastructure, payment processors, or AI API providers). We will notify you as soon as practicable and use commercially reasonable efforts to resume performance. If a force majeure event continues for more than sixty (60) days, either party may terminate the affected Services upon written notice.

23. Changes to These Terms

We may modify these Terms at any time. If we make material changes, we will provide at least 30 days advance notice by email and/or a prominent notice within the Services, and update the “Last Updated” date above. Changes to pricing, dispute resolution procedures, or liability limitations are always considered material. Your continued use of the Services after the effective date of the updated Terms constitutes your acceptance. If you do not agree to the updated Terms, you must stop using the Services and may request account deletion. We will not apply material changes retroactively to disputes already filed.

24. General Provisions

25. Contact Us