Terms of Use

Effective date: October 23, 2026

These Terms of Use govern your use of zerolever.com (the "Site"), operated by ZeroLever of Scottsdale, Arizona. By using the Site, you agree to these terms. If you do not agree, please do not use the Site.

Important disclaimer

ZeroLever provides education and strategy, not loans or credit. Approval, terms, and amounts are set by lenders and not guaranteed. Results vary.

ZeroLever is not a lender, broker, or credit repair organization and does not make credit decisions. Any 0% INTEREST introductory offers discussed are set by third-party card issuers and lenders, may change at any time, and typically revert to a standard rate after the intro period.

No professional advice

Content on the Site and shared during strategy calls is for general educational purposes only. It is not legal, tax, accounting, financial, or investment advice. Consult qualified professionals before making financial decisions. You are solely responsible for your own decisions and applications.

No guarantees

We make no promises or guarantees about approvals, credit limits, interest rates, credit scores, or any other outcome. Examples or testimonials are not typical and do not predict your results.

Use of the Site

You agree to use the Site lawfully, to provide accurate information in any form, and not to interfere with the Site's operation. All content, logos, and materials on the Site belong to ZeroLever and may not be copied or reused without permission, except for personal, non-commercial use.

Third-party links and services

The Site may link to or use third-party services (such as X, FormSubmit, or lenders' websites). We are not responsible for their content, policies, or practices.

Disclaimer of warranties

The Site and all content are provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the fullest extent permitted by law, ZeroLever and its owner will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, credit, or data, arising from your use of the Site or our content. Our total liability for any claim related to the Site will not exceed one hundred U.S. dollars ($100).

Indemnification

You agree to hold harmless ZeroLever and its owner from claims arising out of your misuse of the Site or violation of these terms.

Governing law

These terms are governed by the laws of the State of Arizona, without regard to conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Maricopa County, Arizona.

Privacy

Your use of the Site is also subject to our Privacy Policy.

Changes

We may update these terms at any time. Continued use of the Site means you accept the updated terms.

Contact

Questions? Email dean@zerolever.com.