Terms of Service

These terms apply to Live Zero Path on this origin. Creating an account, including agreeing on Register, means you accept them and the Privacy Policy.

The service

Personal-finance and life-planning. You enter household figures. Freedom Date, Path to Zero, and similar reports are computed from what you enter. The public FIRE estimator stays in the browser and is not saved.

Operator

Live Zero Path is operated by Darren Chin as an individual operator. We are not a licensed financial institution, bank, broker-dealer, or investment advisory firm.

Eligibility

Accounts are for people aged 18 or older. Do not create an account on behalf of a child.

Preview period

During the preview period, Plus is not billed on this origin and we block new paid subscriptions. Plus features may still be available without charge at our discretion. We may enable paid plans later. We will update these terms before we start charging new accounts for Plus.

Not advice

Live Zero Path is not financial, tax, or legal advice. Deliberate spend-down is a planning philosophy, not a guarantee. Demo and season-pack households are fictional. You remain responsible for money, insurance, and health decisions.

Your account

Email, password 12–128 characters. New accounts are members, not operators. Keep password and devices to yourself. Settings may add an authenticator, passkeys, and invites for people who should share this ledger. Invites are saved; they cannot open these books yet. Operators do not receive another person’s ledger.

Privacy and data

Your household figures and account data are processed as described in our Privacy Policy. By using the service you agree that we may store and use that data to run the product for your account. Where data is stored, which processors we use, and how export and delete work are also described in the Privacy Policy.

What you must not do

Do not read or change another person’s household. Do not probe for PAN, bank-login passwords, or other secrets this product refuses to store. Do not abuse contact, login, or export. Demo and season overlays block writes on purpose.

Software

We own the Live Zero Path software, branding, and documentation. We grant you a limited, non-exclusive license to use the service for your personal household planning while your account is in good standing. Do not copy, resell, reverse engineer, or scrape the service at scale, or use it to build a competing product.

Plans

Basic is free. During preview, see Preview period above. When paid Plus is offered, it is billed through Stripe on the web or the App Store / Google Play on those platforms. We do not take PAN, CVV, or bank-login passwords. The processor’s cancel and refund rules still apply.

Ending the account

Download a household money file and delete the account from Settings → Privacy & data. Delete asks you to confirm, then to confirm it's you. We may suspend or close an account that breaks these terms or the law.

Availability

The service is provided as-is. We may change, suspend, or discontinue features as the product evolves. We do not guarantee uninterrupted access or error-free calculations.

Limitation of liability

To the fullest extent permitted by law, our total liability to you for claims relating to the service in any twelve-month period is limited to the fees you paid us in that period, or zero when no fee was charged. Freedom Date, Path to Zero, and similar outputs are planning sketches — we do not guarantee financial outcomes.

General

If any part of these terms is held unenforceable, the rest remains in effect. These terms together with the Privacy Policy are the entire agreement between you and the operator for use of Live Zero Path on this origin.

Governing law

These terms are governed by the laws of Malaysia. You agree that the courts of Malaysia have exclusive jurisdiction to resolve disputes arising from these terms, except where mandatory consumer protection law in your country gives you rights that cannot be waived.

Changes

We may update these terms. The date at the top is the current version. Continued use after a change means you accept the new text. Questions: hello@livezeropath.com or Contact on the home page.