Terms of Service

The agreement between you and Zero LLC for use of the Valt product.

Last updated: June 14, 2026

These Terms of Service (“Terms”) govern your access to and use of the websites, applications, and services provided by Zero LLC, which operates the Valt product (“Valt,” “we,” “us,” or “our”). By creating an account or using Valt, you agree to these Terms. If you do not agree, do not use Valt.

1. Eligibility and your account

You must be at least 18 years old and able to form a binding contract to use Valt. You are responsible for the accuracy of the information you provide and for keeping your login credentials secure. You are responsible for all activity that occurs under your account. Notify us promptly at support@valtgrowth.com if you suspect unauthorized use.

2. What Valt does — and doesn’t — do

Valt aggregates and displays financial information so you can understand your overall financial picture. Valt is read-only with respect to your money: it does not move funds, execute trades, pay bills, or take any action on your financial accounts. Any figures, projections, scores, or suggestions shown in Valt are estimates for informational purposes and may be incomplete or inaccurate. You are solely responsible for your financial decisions.

3. No financial advice

Valt is not a broker-dealer, investment adviser, financial planner, accountant, or tax advisor, and nothing in the product constitutes professional advice or a recommendation to buy, sell, or hold any security or to take any financial action. Consult a qualified professional before making financial decisions.

4. Connected accounts and Plaid

If you choose to connect a financial institution, you authorize Valt and its data provider, Plaid Inc. (“Plaid”), to access and retrieve information from that institution on your behalf. Your use of Plaid is governed by Plaid’s end user policies, including Plaid’s End User Privacy Policy. You represent that you are authorized to provide your account credentials and to grant this access, and you can disconnect an institution at any time. See our Privacy Policy for how we handle this data.

5. Subscriptions, free trials, and automatic renewal

Valt offers a free plan and paid plans (currently Plus and Premium), available on a monthly or annual basis through our third-party payment processor (Stripe). The current prices and what each plan includes are shown at the point of purchase in the app.

Automatic renewal. Paid plans are billed in advance and renew automatically at the then-current price for the plan and billing period you selected (for example, monthly or annually) until you cancel. By starting a paid plan, you authorize us and our payment processor to charge your payment method for each renewal until you cancel.

Free trials. If you start a free trial (for example, the 14-day Premium trial), your paid subscription begins automatically and your payment method is charged at the then-current price when the trial ends, unless you cancel before the trial period is over.

Cancellation. You can cancel at any time in Settings → Membership (which opens your payment processor’s billing portal) or by contacting support@valtgrowth.com. Cancellation stops future renewals and takes effect at the end of the current billing period; you keep your paid access until then.

Refunds. Except where required by applicable law, payments and subscription fees are non-refundable, including for partial billing periods.

Price and plan changes. We may change plan features or prices on a going-forward basis. We will give reasonable advance notice of a price increase that would affect your renewal, and the new price will apply to your next renewal after the notice period unless you cancel first.

6. Acceptable use

You agree not to: (a) misuse, disrupt, or attempt to gain unauthorized access to the service or its systems; (b) reverse engineer or copy any part of the service except as permitted by law; (c) use the service to violate any law or the rights of others; or (d) use automated means to access the service in a way that burdens our infrastructure. We may suspend or terminate accounts that violate these Terms.

7. Intellectual property

Valt and its content, features, and branding are owned by Zero LLC and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the service for your personal, non-commercial purposes. You retain ownership of the data you provide; you grant us a license to process it solely to operate and improve the service as described in our Privacy Policy. If you send us feedback, suggestions, or ideas about Valt, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without any obligation to you.

8. Disclaimers

The service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, secure, error-free, or that any information shown is accurate or complete.

Some features may be offered as beta, preview, or early access and are provided on an “as is” basis — they may change, be unstable, or be withdrawn at any time without notice and carry no service-level commitment. Valt may link to or rely on third-party sites, content, and services (such as your financial institutions, Plaid, our payment processor, and external resources the product may surface); we do not control and are not responsible for them, and your use of them is at your own risk and subject to their terms.

9. Limitation of liability

To the maximum extent permitted by law, Zero LLC and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising from or related to your use of the service. Our total liability for any claim relating to the service will not exceed the greater of the amount you paid us in the twelve months before the claim or one hundred U.S. dollars.

10. Indemnification

You agree to indemnify and hold harmless Zero LLC and its affiliates from any claims, losses, and expenses (including reasonable legal fees) arising from your use of the service or your violation of these Terms.

11. Termination

You may stop using Valt and delete your account at any time from within the app. We may suspend or terminate your access if you violate these Terms or if we discontinue the service. Upon termination, the provisions that by their nature should survive (including ownership, disclaimers, and limitations of liability) will survive.

12. General terms

Electronic communications and consent (E-SIGN)

By creating an account or using Valt, you consent to receive agreements, notices, disclosures, billing and renewal information, and other communications from us electronically — by email, in-app message, or by posting to our website — and you agree that electronic delivery satisfies any legal requirement that such communications be in writing. You can retain these communications by saving or printing them. You may withdraw this consent by closing your account, which will also end your ability to use Valt.

Notices

We may give you notice by email to the address associated with your account, by in-app message, or by posting on our website, and such notice is deemed received when sent or posted. You may send us legal notice at support@valtgrowth.com.

Assignment

You may not assign or transfer these Terms or your account without our consent. We may assign these Terms, in whole or in part, including in connection with a merger, acquisition, financing, reorganization, or sale of assets.

Force majeure

We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, governmental action, internet or utility failures, or the acts or outages of third parties such as financial institutions, Plaid, payment processors, or hosting providers.

Export controls and sanctions

You represent that you are not located in, and are not a national or resident of, any country or region subject to comprehensive U.S. sanctions, and that you are not on any U.S. government list of prohibited or restricted parties. You agree to comply with applicable export-control and sanctions laws when using Valt.

Severability, entire agreement, and no waiver

If any provision of these Terms is held unenforceable, it will be limited or removed to the minimum extent necessary and the remaining provisions will stay in full effect. These Terms, together with our Privacy Policy and any terms presented to you at the point of purchase, are the entire agreement between you and Valt regarding the service and supersede any prior or contemporaneous statements, including marketing materials. Our failure to enforce any provision is not a waiver of it.

Survival and interpretation

Provisions that by their nature should survive termination — including “No financial advice,” “Intellectual property,” “Disclaimers,” “Limitation of liability,” “Indemnification,” “Governing law,” this section, and any fees owed — will survive. Headings are for convenience only, and “including” means “including without limitation.”

13. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by posting the updated Terms with a new “Last updated” date or by notifying you in-app or by email). Your continued use of Valt after changes take effect constitutes acceptance of the updated Terms.

14. Governing law

These Terms are governed by the laws of the State of Iowa, without regard to its conflict-of-laws rules, except where a different governing law is required by applicable consumer-protection law. Disputes will be resolved in the state or federal courts located in Iowa, and you consent to their jurisdiction.

15. Contact us

Questions about these Terms can be sent to support@valtgrowth.com, or by mail to Zero LLC, 1619 E Bremer Ave, Waverly, Iowa.