Zero App — Terms of Service
Version: 3.0 (Draft) | Last updated: 2026-06-12 | Status: DRAFT — Requires professional legal review before publication
IMPORTANT: This document is a working draft prepared for internal review. It must be reviewed and approved by a qualified solicitor before being published or shown to users.
What changed in v3.0: The App is now a paid-upfront purchase with no in-app purchases and no user accounts. All user data is stored on the user's device only — the App operates no server-side storage of user data. Account, sign-in, tier, in-app purchase, and partner-linking clauses removed accordingly.
Terms of Service
Effective date: [TBD — date of launch]
Last updated: 2026-06-12
These Terms of Service ("Terms") govern your use of the Zero mobile application ("the App"), operated by Shooting Systems Ltd ("we", "us", "our"). By purchasing, downloading, or using the App, you agree to these Terms.
1. About the App
1.1. Zero is a financial education and personal finance management application. It provides interactive UK personal finance calculators and a daily finance tracker (income, tax, deductions, bills, savings pots, debts, and standing orders).
1.2. The App does not provide financial advice. All calculators, projections, and educational content are for illustrative and informational purposes only. The App does not constitute regulated financial advice under the Financial Conduct Authority (FCA) framework. The operators of the App are not regulated financial advisers.
1.3. You should consult a qualified, FCA-regulated financial adviser before making significant financial decisions. The App is not a substitute for professional advice.
1.4. No accounts. The App has no registration, sign-in, or user accounts. Everything you enter is stored on your device only (see section 7).
2. Eligibility
2.1. You must meet the minimum age requirements of the Apple App Store or Google Play Store to purchase the App, and you must be at least 18 to act on its financial content without parental guidance.
2.2. The App is designed for residents of the United Kingdom (England, Scotland, Wales, and Northern Ireland). Tax thresholds, regulatory information, and calculator defaults are based on UK rules for the current tax year. Users outside the UK may use the App but should verify all figures against their local regulations.
3. Purchase and Access
3.1. The App is sold as a one-time paid download on the Apple App Store (iOS) and Google Play Store (Android) at the price shown on the store listing (set in local currency by the platform's regional pricing matrix). The purchase includes all features: all 36 calculators, saved calculator results and history, and the Daily Finance tracking module.
3.2. There are no in-app purchases, no subscription, no recurring billing, and no auto-renewal.
3.3. You may re-download the App at no additional charge on any device signed in to the same Apple or Google account used for the original purchase, in accordance with the platform's terms. Note that your data does not transfer automatically between devices (see section 7).
3.4. Annual updates: Each spring we update calculator thresholds (income tax bands, National Insurance rates, pension allowances, ISA limits, Stamp Duty / LBTT / LTT bands, benefit thresholds, and other regulatory figures) for the new UK tax year. These updates are included at no additional charge. We reserve the right to release future editions of the App as separate purchases, with clear store-listing and in-app messaging before any change; the edition you purchased will continue to function.
3.5. From time to time we may distribute promotional codes (for example, to purchasers of the companion book) that allow the App to be downloaded free of charge. Promotional codes are subject to Apple's and Google's promo-code terms, are non-transferable, and have no cash value.
4. Payment
4.1. The purchase is processed by the Apple App Store or Google Play Store using your existing platform account. Payment terms — including method, currency, taxation, and receipt — are governed by the respective platform's terms.
4.2. Refund requests are handled by Apple or Google according to their refund policies (e.g. Apple's "Report a Problem", Google Play's refund window). We do not directly process refunds. We may, in our discretion, ask the platform to expedite a refund on your behalf in cases of mistaken purchase.
5. Calculator Accuracy and Disclaimers
5.1. All calculator outputs are illustrative estimates only. They are based on the inputs you provide and the regulatory thresholds configured in the App at the time of calculation.
5.2. Tax year data: Tax bands, National Insurance rates, pension allowances, ISA limits, Stamp Duty bands, benefit thresholds, and other regulatory figures are based on the current UK tax year unless otherwise stated. These figures change annually and may change mid-year following government announcements.
5.3. We endeavour to update regulatory thresholds promptly after each Budget and at the start of each tax year (6 April), delivered through App updates. However, we do not guarantee that thresholds are up to date at any given moment, and updates require you to install the updated version of the App.
5.4. You are responsible for verifying any figures before making financial decisions. We accept no liability for decisions made based on calculator outputs.
5.5. Growth rate assumptions (e.g. 7% nominal return on pensions/investments) are illustrative and based on commonly used long-term averages. Real-world returns will vary and are not guaranteed. Past performance is not a reliable indicator of future results.
6. Future Features
6.1. Digital Legacy Vault (planned, not yet available): A future end-to-end encrypted vault for accounts, documents, and contacts, with a configurable next-of-kin access mechanism, is in design. The Vault tab in the App currently displays a Coming Soon placeholder. No vault data is collected or processed under this version of the Terms. If and when the Vault feature launches, these Terms will be updated to describe encryption, recovery, and next-of-kin handling, and you will be asked to acknowledge them before enrolling.
7. Your Data Stays on Your Device
7.1. All information you enter into the App — your profile answers, finance records, and saved calculations — is stored only on your device. We operate no server that receives, stores, or processes this data, and we cannot access, recover, or restore it.
7.2. Backups are your responsibility. Because your data exists only on your device, deleting the App, erasing your device, or device loss/failure will destroy your data unless you have a copy. The App provides Profile → Export data (JSON) to save a portable copy, and standard platform device backups (e.g. iCloud or Android backup) may also include App data, subject to the platform's terms.
7.3. The App provides Profile → Erase all data, which permanently removes all data the App holds on your device. This action cannot be undone.
7.4. The only information that leaves your device is: (a) crash reports (via Sentry), and (b) anonymous usage analytics (via PostHog) only if you opt in under Profile → Privacy & Data. Neither contains the financial data you enter. See the Privacy Policy for details.
8. Your Responsibilities
8.1. You are responsible for the security of the device on which the App is installed, including any device passcode or biometric protection.
8.2. You must not use the App for any unlawful purpose or in any way that could damage, disable, or impair the App.
8.3. You must not attempt to reverse engineer, decompile, or extract the source code of the App except as permitted by law.
9. Intellectual Property
9.1. The App, its content, features, and functionality are owned by Shooting Systems Ltd and are protected by copyright, trademark, and other intellectual property laws.
9.2. Your data remains yours. We do not claim ownership of any data you enter into the App — indeed, we never receive it.
10. Limitation of Liability
10.1. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App.
10.2. Without limiting the foregoing, we are not liable for:
- Financial losses resulting from reliance on calculator outputs
- Inaccurate regulatory thresholds due to delays in updating tax year data or your not installing App updates
- Loss of data stored on your device, including through App deletion, device loss, device failure, or use of the Erase all data function
10.3. Our total aggregate liability to you for any claims arising from these Terms or your use of the App shall not exceed the amount you paid for the App.
11. Ending Use
11.1. There is no account to close. You may stop using the App at any time by deleting it from your device, optionally using Profile → Erase all data first.
11.2. Deleting the App removes the App and (subject to platform behaviour) its data from your device. It does not automatically remove any exports you have created or platform backups; those are under your control.
12. Changes to These Terms
12.1. We may update these Terms from time to time. Material changes will be communicated via in-app messaging and the version notes accompanying App updates, with the updated Terms published at darrensterling.co.uk/terms.
12.2. Your continued use of the App after changes take effect constitutes acceptance of the updated Terms. If you do not agree, stop using the App and delete it.
13. Governing Law
13.1. These Terms are governed by the laws of England and Wales. Disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact
For questions about these Terms, contact us at:
Email: privacy@darrensterling.co.uk
Postal: Shooting Systems Ltd, Riverside House, 4 Melbourne Street, Stalybridge, SK15 2JE, United Kingdom (Company number 16001177; ICO registration ZC135407).
These Terms of Service are a draft and have not been reviewed by legal counsel. They must be reviewed and approved by a qualified solicitor before publication.