Terms of Service
These Terms are an agreement between you and the operator of the Steady Zero website (steadyzero.com) (“we”). Contact: support@steadyzero.com
1. What we offer
Through the Steady Zero website (steadyzero.com), we offer free calculators and paid, downloadable spreadsheet and PDF templates that help you plan and track your payoff. They are educational tools only and are not financial, legal, tax or credit advice. We do not lend money, broker loans, give personal financial advice, contact or negotiate with creditors, settle or change debts, or work on credit reports or scores. See our Disclaimer.
2. Using the calculators
The calculators are free to use. Results are estimates based on what you enter and on the assumptions described on each calculator’s methodology section. Your actual results may differ, and we don’t guarantee any result, savings or payoff date.
3. Buying templates
- Prices are shown in US dollars. Any sales tax or VAT is calculated by Link and shown in the total at checkout before you pay.
- Templates are instant digital downloads. After payment you can download your files from the success page, and you can get fresh links any time on the downloads page with your order number and purchase email.
- Link emails your receipt from an @link.com address.
- Bundle purchases include every template listed in the bundle when you buy it. Bonus: any templates we add to the Debt-Free Toolkit later are included free for existing owners.
- Templates are provided as Excel (.xlsx) files. They work in Microsoft Excel and can be imported into Google Sheets. Apple Numbers is not supported.
4. Refunds
Our Refund Policy is part of these Terms. In short: no refunds for change of mind; files that are not received, broken, not as described, or charged twice or without your permission are fixed, replaced, or refunded; Link (Sold through Link, LLC, a Stripe company), our merchant of record, may also refund these issues within 60 days of purchase. EU, EEA and UK buyers can cancel within 14 days of purchase, or of first getting access to the files if that’s later: email support@steadyzero.com with your order number and a clear statement that you’re cancelling, or cancel through Link. A refund or chargeback ends download access for that order.
5. License
When you buy a template, we grant you a personal, non-exclusive, non-transferable license to use it for your own household planning. You may make copies for your own use. You may not resell, share, sublicense or publish the templates or derivative versions, or use them to provide services to others. We keep all intellectual property rights in the Site, calculators and templates.
6. Acceptable use
Don’t misuse the Site: no attempts to break security, scrape at volume, interfere with other users, or abuse download links.
7. Our promises and their limits
We promise that each template will download, open in the supported apps, and match its product-page description. If it doesn’t, we’ll fix, replace or refund it (Section 4). Calculators and templates are educational tools that produce estimates. We don’t guarantee any financial result, and decisions about your money are yours. Nothing in these Terms limits or excludes any rights you have under the consumer laws that apply to you, including the laws of your country of residence. If any part of these Terms conflicts with those laws, those laws win.
8. Governing law
These Terms are governed by the laws of the State of Georgia, USA. If you live in the EU, EEA or UK, you also keep the protection of the mandatory laws of your country, and you may bring claims in your local courts.
9. Changes
We may update these Terms. The version in effect at the time of your purchase applies to that purchase. We will update the date above when we make changes.
10. Contact
Contact: support@steadyzero.com