Zuz: Privacy, Terms and Refunds

Last updated: November 2, 2026. In plain words where we can.

Privacy Policy

Zuz is run from Columbus, Ohio, USA (“we”, “us”). This policy explains what we collect, why, and what you can do about it. We keep it short because we don’t want your data to be a mystery.

What we collect

• Your numbers. The income, expenses, goals, school costs, check-ins, first name, main focus and language you enter in the app.
• Your account. Your email address and a password. Your password is stored in scrambled (hashed) form and we can’t read it.
• Your membership status. Whether you have an active trial or paid membership, and when it ends.
• Payment details are handled by Stripe, not us. We never see or store your card number. Stripe gives us your email, a customer ID and your subscription status.

Where your numbers live

• On your device. Your numbers are stored in your browser on your device so the app works.
• In your account. When you have an account and your trial or membership is active, your numbers are also saved to our database so they follow you to other devices.

How we use it

• To run the app, save and sync your numbers, and show you your plan.
• To sign you in, manage your trial and membership, and process payments.
• To answer your emails and fix problems.

We don’t sell your information. We don’t show ads. We don’t share your numbers with advertisers or data brokers.

Who helps us run it

• Supabase stores accounts and saved numbers and handles sign-in.
• Stripe processes payments and subscriptions.
• Netlify hosts the website.
• Google Fonts and a content delivery network (jsDelivr) deliver fonts and code to your browser, which means they can see your IP address when your browser loads them.
• Google Forms, if you use our waitlist or feedback form.

These companies process data only to provide their service to us, under their own privacy terms. We may also share information if the law requires it.

How long we keep it

• While your account is open, we keep your saved numbers.
• If your trial or membership ends and you don’t renew, we keep your saved numbers for about 30 days so you can come back without losing anything, then delete them.
• You can delete your account any time in the app (Account → Delete my account). That deletes your account and saved numbers. Copies may remain briefly in backups.
• Payment records are kept by Stripe, and we may keep basic records of transactions as required for taxes and accounting.

Your choices

• See, fix or delete your information: email us at the address below.
• Clear the numbers on a device: use “Clear my numbers” in the app or sign out.
• Cancel your membership any time (see Terms).

Security

We use reputable providers and encrypted connections (HTTPS), and access to your saved numbers is limited to your account. No system is perfectly secure, so please use a strong, unique password.

Age

Zuz is for people 13 and older. We don’t knowingly collect information from children under 13. If you think a child under 13 has an account, email us and we’ll delete it.

Changes

If we change this policy in a meaningful way, we’ll update the date above and, when it matters, tell you in the app or by email.

Terms of Use

By creating an account or using Zuz, you agree to these terms. If you don’t agree, please don’t use the app.

What Zuz is (and isn’t)

Zuz is a budgeting and planning tool. It gives general information and rules of thumb. It is not personal financial, investment, tax or legal advice, and we are not financial advisors. It does not guarantee any result. You are responsible for your own money decisions. For advice about your situation, talk to a qualified professional.

Your account

• You must be 13 or older. If you’re under 18, you need a parent or guardian’s permission to subscribe.
• Give us a real email, keep your password private, and tell us if you think someone else is using your account. You’re responsible for what happens on your account.

Free trial and membership

• Free trial. New accounts get 14 days of full access, starting when you sign up. No card is needed.
• After the trial, you need a membership to keep using the app. Membership is $5.99 USD per month, billed monthly through Stripe, until you cancel.
• Auto-renewal. Your membership renews each month and your card is charged automatically until you cancel.
• Cancel any time using “Manage membership” in your Account. You keep access until the end of the period you already paid for, and you won’t be charged again.
• Price changes. If we change the price, we’ll tell you ahead of time, and the new price applies from your next billing period. You can cancel before then.
• Refunds are covered in the Refund Policy below.
• Taxes may be added where required by law.

Your numbers

The numbers you enter belong to you. You give us permission to store and process them only to run the app for you.

Please don’t

• Break the law or use the app to harm others.
• Try to break, overload, copy or reverse-engineer the app, or get around the membership.
• Use someone else’s account or share yours.

We may suspend or close accounts that break these rules. You can stop using Zuz and delete your account any time.

The app is provided “as is”

We work hard to make Zuz accurate and reliable, but we can’t promise it will be error-free, always available, or that its numbers will fit your situation. To the fullest extent the law allows, we aren’t liable for indirect or consequential losses, or for financial decisions you make using the app, and our total liability for any claim is limited to the amount you paid us in the 3 months before the claim. Some places don’t allow some of these limits, so they may not fully apply to you.

Other

• These terms are governed by the laws of the State of Ohio, USA.
• We may update these terms. If the change is meaningful, we’ll tell you, and using the app after that means you accept the update.
• If any part of these terms can’t be enforced, the rest still applies.

Refund Policy

• 7-day money-back guarantee. If you’re not happy, email us within 7 days of your first payment and we’ll refund it in full, no questions asked.
• Forgot to cancel? If a renewal charges you and you didn’t mean to continue, email us within 7 days of that charge and we’ll review it, and we’ll usually refund it.
• How refunds are paid. Refunds go back to your original payment method. Your bank may take 5 to 10 business days to show it.
• Cancelling. You can cancel any time in the app (Account → Manage membership). Cancelling stops future charges, and you keep access until the end of the period you paid for.
• Before disputing a charge with your bank, please email us first. We’re quick to fix mistakes.

Contact

Questions, refunds, or requests about your data:
Zuz, Columbus, Ohio, USA
zuzwillhelp@gmail.com

We usually reply within 2 business days.