Terms of Service

Effective Date: May 15, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Zero Dev LLC, a Florida limited liability company ("Company," "we," "us," or "our"), governing your access to and use of the ZeroTerminal platform available at zeroterminal.io and any associated services (collectively, the "Service").

By creating an account, connecting a brokerage account, or otherwise accessing the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Eligibility

You must be at least eighteen (18) years of age and a legal resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements. The Service is not intended for use by individuals outside the United States.

3. Account Registration

You must create an account through our authentication provider (Clerk) to access the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@zeroterminal.io if you become aware of any unauthorized use of your account.

4. Description of Service

ZeroTerminal is a portfolio intelligence platform that aggregates data from your connected brokerage accounts and third-party sources into a unified workspace. The Service may include:

Portfolio position tracking and account aggregation via brokerage API connections (currently Schwab and TradeStation, with additional brokers planned)
Corporate actions calendars and SEC filing alerts
Margin analysis and risk exposure data derived from your broker-reported account information
Curated social media content from X (Twitter) scoped to your portfolio positions
AI-powered analysis and summaries generated by third-party large language models (xAI/Grok)
News aggregation relevant to your holdings

The specific features available to you depend on your subscription tier. Feature availability may change as we develop the platform.

5. Brokerage Account Connections

5.1 Read-Only Access

The Service connects to your brokerage accounts exclusively in read-only mode. ZeroTerminal cannot and will not execute trades, transfer funds, modify orders, or take any action in your brokerage account. We access only the data necessary to provide the Service, including positions, balances, account information, and margin data.

5.2 OAuth Authorization

Brokerage connections are established via OAuth authorization directly with your broker. We do not store your brokerage login credentials. You may revoke ZeroTerminal's access to your brokerage account at any time through your broker's settings or through the ZeroTerminal Settings page.

5.3 Broker Data Accuracy

All portfolio data, position information, margin figures, and account balances displayed in ZeroTerminal are sourced directly from your broker's API. We display this data as received and do not independently verify its accuracy. Data may be delayed, incomplete, or temporarily unavailable due to broker API limitations, maintenance windows, or connectivity issues. You should always verify critical information directly with your broker.

6. Subscription, Billing, and Refunds

6.1 Subscription Tiers and Pricing

The Service offers multiple subscription tiers, including a free tier and paid tiers. Paid tiers are available on monthly and annual billing cycles at the prices displayed on the ZeroTerminal pricing page and within the application at the time of purchase. Add-on products (such as MAX X packs, which provide additional X Timeline search capacity) may be offered as either recurring add-ons that bill alongside your base subscription or one-time purchases, as indicated at the time of purchase. We reserve the right to modify pricing, tier composition, and feature allocations with thirty (30) days' notice to active subscribers for changes affecting their current subscription.

6.2 Billing, Taxes, and Payment Processor

Paid subscriptions and one-time purchases are processed through our third-party payment processor (Stripe). All fees are stated in U.S. dollars. Prices are exclusive of any applicable sales tax, use tax, value-added tax, goods and services tax, or other taxes or duties imposed by any taxing authority; where such taxes apply, they will be calculated and added at checkout based on your billing address. You authorize us, through Stripe, to charge your selected payment method for all applicable fees, taxes, and duties.

6.3 Auto-Renewal and Cancellation

Paid subscriptions automatically renew at the end of each billing cycle (monthly or annual, as selected at purchase) at the then-current price for your tier, using the payment method on file, until you cancel. This disclosure is provided in compliance with applicable auto-renewal disclosure laws, including California Business and Professions Code §17600 et seq. and similar state statutes.

You may cancel your subscription at any time through the Settings page or by contacting support@zeroterminal.io. Cancellation takes effect at the end of your current billing period; you will retain access to paid features through that date and will not be billed for the subsequent period. We do not offer prorated refunds for partial billing periods or for canceled subscriptions mid-cycle.

Recurring add-ons (such as MAX X recurring packs) cancel on the same schedule as your base subscription unless canceled separately. One-time credit pack purchases are not subscriptions and do not auto-renew.

6.4 Refunds

Except where required by applicable law, all fees are non-refundable. In particular:

Monthly and annual subscription fees are non-refundable once a billing period has begun. Canceling before the end of a period does not generate a refund; access continues through period end.
One-time credit pack purchases (such as MAX X 10/25/50 packs) are non-refundable. Credits from one-time packs expire thirty (30) days after purchase and do not carry over beyond their stated expiration period.
Recurring add-on fees are non-refundable for the billing period in which they were charged; canceling stops future charges only.

Notwithstanding the above, we may at our sole discretion issue refunds or credits in individual cases (for example, material service failures attributable to us). Any refund issued does not entitle you to future refunds and does not modify these Terms.

6.5 Failed Payments and Suspension

If a payment attempt on your subscription fails, Stripe may automatically retry the charge according to its standard retry schedule. We may notify you via email or in-app banner and provide access to our billing portal to update your payment method. If payment cannot be collected after the retry period, we reserve the right to suspend or terminate your paid features. Your account may be downgraded to the free tier (if applicable) or suspended until payment is resolved.

6.6 Chargebacks and Payment Disputes

If you dispute a charge with your card issuer or bank (commonly called a "chargeback") without first contacting us at support@zeroterminal.io to resolve the issue, we reserve the right to suspend or terminate your account and may pursue recovery of the disputed amount plus any chargeback fees assessed by our payment processor. We encourage you to contact us before initiating any dispute so we can address billing concerns directly.

7. Not Financial, Investment, or Trading Advice

THIS SECTION IS CRITICAL. PLEASE READ IT CAREFULLY.

ZEROTERMINAL IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, FINANCIAL PLANNER, FINANCIAL ANALYST, OR SECURITIES DEALER. NOTHING IN THE SERVICE CONSTITUTES INVESTMENT ADVICE, FINANCIAL ADVICE, TRADING ADVICE, OR ANY OTHER SORT OF ADVICE, AND YOU SHOULD NOT TREAT ANY OF THE SERVICE'S CONTENT AS SUCH.

The Service aggregates data, displays information, and surfaces AI-generated analysis for your convenience. Specifically:

AI-generated content (including but not limited to Grok analysis, summaries, and sentiment indicators) is produced by third-party large language models. This content may be inaccurate, incomplete, outdated, or misleading. AI models can and do produce errors, fabrications, and hallucinations. You must never rely on AI-generated content as the sole basis for any investment or trading decision.
Social media content from X (Twitter) displayed in the Service represents the views and opinions of third-party users, not the views of ZeroTerminal or Zero Dev LLC. Social media content is unverified, may be manipulative, and may constitute market manipulation, pump-and-dump schemes, or other fraudulent activity. We do not endorse, verify, or vouch for any social media content.
Risk metrics, margin analysis, and exposure data are derived from broker-reported information and internal calculations. These figures are approximations and should not be treated as precise or guaranteed. Options Greeks, if displayed, are estimates that may use simplified models and may not reflect actual market conditions.
SEC filing data and corporate actions information are sourced from public databases and third-party providers. While we make reasonable efforts to display accurate information, we do not guarantee the completeness, timeliness, or accuracy of this data.

YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN INVESTMENT AND TRADING DECISIONS. You should consult with a qualified, licensed financial professional before making any investment decisions. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

8. Prohibited Conduct

You agree not to:

Use the Service for any purpose that violates applicable law or regulation
Attempt to reverse-engineer, decompile, or extract source code from the Service
Use automated tools (bots, scrapers, crawlers) to access the Service, except through our documented API if one is provided
Resell, redistribute, or commercially exploit any data obtained through the Service
Interfere with or disrupt the Service, servers, or networks connected to the Service
Circumvent subscription limits, metering, or access controls
Share your account credentials or allow third parties to access the Service through your account
Use the Service to engage in market manipulation or any form of securities fraud

9. Intellectual Property

The Service, including its design, code, features, documentation, and branding, is the property of Zero Dev LLC and is protected by applicable intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial purposes in accordance with these Terms.

You retain ownership of your brokerage data and any content you create within the Service. By using the Service, you grant us a limited license to process your data solely to provide and improve the Service.

10. Third-Party Services

The Service integrates with and relies upon third-party services including but not limited to brokerage APIs (Schwab, TradeStation), X (Twitter) API, xAI/Grok, Clerk (authentication), and Stripe (payments). Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the availability, accuracy, or conduct of any third-party service.

If a third-party service experiences downtime, modifies its API, revokes our access, or otherwise becomes unavailable, portions of the Service may be degraded or unavailable. This does not entitle you to a refund or credit unless the core Service is materially unavailable for an extended period, at our sole discretion.

10.1 TradeStation Disclosures

If you connect a TradeStation brokerage account to the Service, the following disclosures apply:

Zero Dev LLC is not affiliated or associated with, or a partner of, or an agent, representative, delegate, associated person or introducing broker for, any TradeStation company. The products and services offered by Zero Dev LLC are not sponsored, endorsed, sold or promoted by any TradeStation company, and TradeStation makes no representation regarding any products or services offered by Zero Dev LLC.

Equities, equity options and commodity futures products and services are offered by TradeStation Securities, Inc. (Member NYSE, FINRA, CME and SIPC).

TradeStation will have no liability for the failure of the Zero Dev LLC product, including, without limitation, for the failure of the Zero Dev LLC product to connect or accurately transmit information to TradeStation or for any malfunction of or suggestions made by or advice given by the Zero Dev LLC product.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, reliability, or completeness of any data, analysis, or content provided through the Service.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZERO DEV LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, TRADING LOSSES, INVESTMENT LOSSES, OR ANY DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY EXCEED THE AMOUNT YOU HAVE PAID TO US IN SUBSCRIPTION FEES DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR FIFTY DOLLARS ($50.00), WHICHEVER IS GREATER.

This limitation applies regardless of the legal theory on which the claim is based, including negligence, breach of contract, strict liability, or any other theory.

13. Indemnification

You agree to indemnify, defend, and hold harmless Zero Dev LLC, its officers, members, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, your investment or trading decisions, or your violation of any applicable law or regulation.

14. Account Termination

We reserve the right to suspend or terminate your account at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service ceases immediately. You may request deletion of your account at any time by contacting support@zeroterminal.io. Account deletion is described in our Privacy Policy.

15. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, available at zeroterminal.io/privacy. The Privacy Policy describes how we collect, use, store, and protect your information.

16. Modifications to Terms

We may update these Terms at any time. Material changes will be communicated via email or in-app notification at least thirty (30) days before they take effect. Your continued use of the Service after the effective date of any changes constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and cancel your subscription.

17. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law provisions. Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in Florida. You consent to the personal jurisdiction of such courts.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

19. Entire Agreement

These Terms, together with the Privacy Policy and any subscription-specific terms presented at the time of purchase, constitute the entire agreement between you and Zero Dev LLC regarding the Service and supersede all prior agreements and understandings.

20. Contact

If you have questions about these Terms, contact us at:

Zero Dev LLC Email: support@zeroterminal.io Website: zeroterminal.io