Terms of Service

Article I: Acceptance of Terms

1.1 Contracting Entity and Application

These Terms of Service (this "Agreement" or these "Terms") constitute a legally binding contract between you (the "User," "you," or "your") and Zaboca Holdings Inc., a corporation incorporated under the laws of the State of Delaware, United States of America ("Zaboca Holdings," the "Company," or the entity operating the mobile application under the trade name "BNS"), governing your access to and use of the BNS mobile application (bundle identifier com.zaboca.bns), the companion website at blacknosugar.app, and all associated services, features, and functionality (collectively, the "Application"). All rights, obligations, and representations under this Agreement belong exclusively to Zaboca Holdings Inc. as a corporate entity — not to any individual.

1.2 Acceptance by Conduct

By creating an account, accessing the Application, downloading or installing it, entering Debt Facility Data, or otherwise using any feature of the Application, you acknowledge that you have read, understood, and agree to be bound by this Agreement and by the Privacy Policy incorporated herein by reference. If you do not agree, you must immediately discontinue all use of the Application and may not create or maintain an account.

1.3 Eligibility Requirements

You represent and warrant that: (a) you are at least eighteen (18) years of age or the age of legal majority in your jurisdiction of residence, whichever is greater; (b) you possess the legal capacity and authority to enter into this Agreement; (c) if you are using the Application on behalf of a household, you are authorized to enter that household's financial information; and (d) you are not subject to any sanction or restriction that would prohibit your use of the Application under applicable United States export control or sanctions law.

1.4 Incorporation of Policies

This Agreement expressly incorporates by reference the Privacy Policy, available at blacknosugar.app/privacy, which governs Zaboca Holdings Inc.'s collection, use, storage, and disclosure of your Personal Information. In the event of any conflict between this Agreement and the Privacy Policy, this Agreement shall control unless the Privacy Policy expressly states that it supersedes a specific provision of this Agreement.

Article II: Definitions

2.1 Defined Terms

Unless the context clearly requires otherwise, the following terms shall have the meanings set forth below when used in this Agreement:

(a) "Account" means a user account created by a User on the Application, containing the User's household composition, Debt Facility Data, and consent settings.

(b) "Aggregation Provider" means the third-party, read-only bank/loan account-aggregation service the Company engages at a User's election, which is never granted write or transfer permissions.

(c) "BNS Parties" means, collectively, Zaboca Holdings Inc., its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, representatives, contractors, and assigns.

(d) "Debt Facility Data" means the balances, interest rates, terms, and related figures a User enters or links for any mortgage, revolving credit line, auto loan, education loan, or other personal debt, together with the projections, comparisons, goals, and Payment Instructions the Application computes from that data.

(e) "Dispute" means any controversy, claim, or disagreement arising out of or relating to this Agreement, the Application, or the relationship between you and Zaboca Holdings Inc., including claims arising under contract, tort, statute, or any other legal theory.

(f) "Intellectual Property Rights" means all intellectual and industrial property rights of any kind, including patents, copyrights, trademarks, trade names, trade secrets, and any other proprietary rights, whether registered or unregistered.

(g) "Path A" means the structural design commitment described in Article V, under which the Application never takes custody of a User's funds, never initiates a payment, and never connects to any payment rail.

(h) "Payment Instruction" means the amount, target account, and servicer information the Application computes and displays for the User's own manual review and execution, which is not itself capable of moving funds.

(i) "Privacy Policy" means Zaboca Holdings Inc.'s privacy policy published at blacknosugar.app/privacy, as may be updated from time to time, incorporated into this Agreement by reference.

(j) "Pro" means the paid BNS Pro subscription tier described in Article VIII.

(k) "User" or "Users" means any individual who accesses or uses the Application.

(l) "User Content" means Debt Facility Data, captured receipt or statement images and their extracted line items, notes, goals, and any other content a User submits to the Application.

2.2 Interpretation

In the interpretation of this Agreement: (a) headings are for convenience only and do not affect interpretation; (b) the singular includes the plural and vice versa; (c) "including" means "including but not limited to"; and (d) "writing" includes electronic communications.

Article III: Modification of Terms

3.1 Right to Modify

Zaboca Holdings Inc. reserves the right, in its sole discretion, to modify this Agreement at any time, including in response to changes in applicable law, business practices, or Application features.

3.2 Notice and Effective Date

Notice of modifications will be provided via email, in-app notification, or posting on the Application's website. Material changes take effect thirty (30) calendar days after notice, unless a shorter period is required by law. Non-material changes, such as clarifications, take effect immediately upon posting.

3.3 Acceptance of Modifications

Your continued use of the Application after modifications become effective constitutes your acceptance of the modified Agreement. If you do not agree, your sole remedy is to discontinue use of the Application and delete your Account in accordance with Article XV.

Article IV: Description of the Application

4.1 Nature of the Application

BNS is a personal debt-management and payoff-planning tool that helps a User model a household's debt portfolio — mortgages, revolving credit, auto loans, education loans, and other personal debt — compare payoff strategies including avalanche ordering, cadence comparison, goal-seeking, and refinance simulation, identify discretionary surplus, and generate Payment Instructions.

4.2 What the Application Is Not

Zaboca Holdings Inc. does not originate, underwrite, service, or fund loans; does not provide personalized investment advice; does not operate as a bank, lender, broker-dealer, or money transmitter; and does not sell User financial data or use it for ad targeting. Article V and Article VI describe these boundaries in binding detail.

4.3 Changes to the Application

Zaboca Holdings Inc. reserves the right to modify, suspend, or discontinue any feature of the Application at any time, without liability to Users, subject to Article VIII's protections for Users with an active Pro subscription.

Article V: Path A — Absence of Custody, Payment Initiation, and Money Transmission

5.1 Sole Responsibility for Execution

You are solely responsible for reviewing, confirming, and executing any Payment Instruction or for contacting your servicer. Zaboca Holdings Inc. bears no responsibility for the outcome of any payment or account action you take, or fail to take, based on a Payment Instruction, except to the extent the Payment Instruction was generated from a defect in the Application's own calculations, subject to Article XII and Article XIII.

5.2 Read-Only Bank Connection

If you elect to connect a bank or loan account through the Aggregation Provider, that connection is read-only. The Company does not request, and the Aggregation Provider does not grant, any write or transfer permission through that connection, under any circumstance.

Article VI: Informational Nature of the Application; No Financial, Legal, or Tax Advice

6.1 General Information Only

BNS provides general calculations, projections, and educational information to help you organize your own thinking about debt payoff. It is not personalized financial, investment, legal, or tax advice, and nothing in the Application creates an advisory, fiduciary, or client relationship between you and Zaboca Holdings Inc.

6.2 Independent Verification

Any projection, comparison, or recommendation the Application produces is based on the data you provide and general assumptions; it may not account for your complete financial picture and may not reflect the specific terms of your actual loan or credit agreements. You should independently verify any figure before acting on it and should consult a licensed financial advisor, attorney, or tax professional for advice specific to your situation.

6.3 No Origination Revenue

Zaboca Holdings Inc. does not accept lender-paid placement, referral fees, or commissions for anything shown in the Application. This is an absolute product ruling, not a policy promise subject to quiet revision.

Article VII: User Accounts

7.1 Account Creation

To access the Application, you must create an Account using an email address and password, or an Apple Sign-In or Google Sign-In identifier. You agree to provide accurate information and to keep it current.

7.2 Account Security

You are solely responsible for maintaining the confidentiality of your Account credentials and for all activity occurring under your Account. You agree to notify Zaboca Holdings Inc. immediately of any unauthorized access at support@zaboca.org. Zaboca Holdings Inc. is not liable for loss arising from your failure to secure your credentials.

7.3 Device-Local Biometric Lock

You may enable Face ID or fingerprint app-lock. This authentication occurs entirely on your device through the operating system's own framework; Zaboca Holdings Inc. never receives your biometric data.

Article VIII: Subscription Terms

8.1 Free Tier and Pro

BNS offers a free tier — including unlimited debt tracking, cadence comparison, and manual spend capture — and a paid Pro subscription tier that unlocks additional payoff-planning features described in-app at the time of purchase.

8.2 Exclusive Platform Billing

Pro is sold exclusively through Apple's In-App Purchase (StoreKit) on iOS and Google Play Billing on Android. Zaboca Holdings Inc. does not sell Pro through any external link or payment method, and does not directly process, store, or receive your payment card information.

8.3 Price, Renewal Term, and What You Get

The price and renewal period (monthly or annual, as applicable) are disclosed in the Application and in the App Store or Play Store listing before you subscribe. Pro provides the premium payoff-planning features described in-app at the time of purchase, for the duration of each paid period. Prices may vary by region and are subject to change on notice consistent with Apple's and Google's platform policies.

8.4 Free Trial

New subscribers may receive a one-week free trial of Pro. If you do not cancel before the trial ends, your subscription automatically converts to a paid subscription and you will be charged the then-current price.

8.5 Auto-Renewal and Cancellation

Subscriptions automatically renew for the same term unless canceled at least twenty-four (24) hours before the end of the current period. Your payment method will be charged for renewal within twenty-four (24) hours prior to the end of the current period. You may cancel at any time through your Apple ID account settings (iOS) or Google Play subscription settings (Android); cancellation takes effect at the end of the current billing period.

8.6 Refunds

Zaboca Holdings Inc. does not process refunds directly. Refund requests are handled by Apple or Google in accordance with their own refund policies, since Zaboca Holdings Inc. never receives your payment. We do not provide prorated refunds for the unused portion of a period except as required by Apple's, Google's, or applicable law's refund policies.

8.7 Lapse of Subscription

If your subscription lapses, your access to Pro features ends at the end of the paid period. Zaboca Holdings Inc. does not promise continued access to Pro features beyond the period you have paid for, and your underlying Debt Facility Data is never deleted merely because a subscription lapses.

Article IX: User Obligations

9.1 Accuracy of Information

You agree to enter accurate Debt Facility Data to the best of your knowledge. The Application's calculations are only as reliable as the data you provide, and Zaboca Holdings Inc. is not responsible for projections derived from inaccurate User-entered data.

9.2 Compliance with Law

You agree to comply with all applicable law in connection with your use of the Application, including any law governing the debts, accounts, or servicers you reference within it.

9.3 Lawful Use of Payment Instructions

You agree to use any Payment Instruction the Application generates solely for your own lawful personal financial management and not to misrepresent a Payment Instruction as an instrument issued, guaranteed, or executed by Zaboca Holdings Inc.

Article X: Prohibited Conduct

You agree not to: (a) use the Application for any unlawful purpose; (b) attempt to reverse-engineer, decompile, or extract source code from the Application except as permitted by law; (c) interfere with or disrupt the Application's infrastructure or security; (d) use automated means to access the Application without the Company's written permission; (e) misrepresent your identity or provide false financial data with intent to defraud a third party; (f) attempt to circumvent Apple's or Google's in-app purchase mechanisms; or (g) resell, sublicense, or commercially exploit the Application without the Company's written consent.

Article XI: Intellectual Property

11.1 Ownership of the Application

The Application, including its software, design, text, graphics, and the BNS and Black, No Sugar names and logos, is owned by Zaboca Holdings Inc. or its licensors and is protected by intellectual property law. Zaboca Holdings Inc. grants you a limited, non-exclusive, non-transferable, revocable license to use the Application for your personal, non-commercial use, subject to this Agreement.

11.2 Ownership of User Content

You retain ownership of the Debt Facility Data and other User Content you enter into BNS. By submitting it, you grant Zaboca Holdings Inc. a license to process it solely to provide and improve the Application, as described in the Privacy Policy.

Article XII: Disclaimers of Warranties

Article XIII: Limitation of Liability

Article XIV: Indemnification

You agree to indemnify and hold harmless the BNS Parties from any claim, loss, or demand, including reasonable attorneys' fees, arising from your use of the Application, your violation of this Agreement, your execution (or failure to execute) any Payment Instruction, or your violation of any law or third-party right.

Article XV: Suspension, Termination, and Account Closure

15.1 Termination by You

You may stop using the Application and delete your Account at any time, in-app or via the web-based deletion request page at blacknosugar.app/delete-my-data.

15.2 Termination by Zaboca Holdings Inc.

Zaboca Holdings Inc. may suspend or terminate your access to the Application if you violate this Agreement, if required by law, or if the Company discontinues the Application, with notice where reasonably practicable.

15.3 Survival

Article V, Article VI, Article XI, Article XII, Article XIII, Article XIV, and Article XIX survive termination.

Article XVI: Privacy and Data Protection

Zaboca Holdings Inc.'s collection, use, and disclosure of your Personal Information is governed by the Privacy Policy, incorporated into this Agreement by reference. By using the Application, you agree to the Privacy Policy's terms, including its description of the categories of data collected and the third parties described therein.

Article XVII: Third-Party Services and Integrations

The Application integrates with third-party services, including the Aggregation Provider, a statement/receipt parsing provider, Apple's and Google's billing systems, and a crash-reporting provider. Your use of any such integration is also subject to that provider's own terms. Zaboca Holdings Inc. is not responsible for the acts or omissions of these third-party providers, except to the extent the Company failed to exercise reasonable care in selecting or overseeing them.

Article XVIII: Dispute Resolution and Arbitration Agreement

18.1 Informal Dispute Resolution Requirement

Before initiating arbitration, you and Zaboca Holdings Inc. agree to first attempt in good faith to resolve any Dispute informally through direct negotiation for at least thirty (30) calendar days. To initiate informal resolution, send written notice to support@zaboca.org describing the Dispute, the relief sought, and your contact information.

18.2 Agreement to Arbitrate

Except as provided in Sections 18.6 and 18.7, any Dispute not resolved through informal negotiation shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by this Agreement. This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.

18.3 Arbitration Costs

If the amount in controversy is USD $10,000 or less, Zaboca Holdings Inc. will pay all AAA filing, administration, and arbitrator fees. Each party bears its own attorneys' fees unless the arbitrator awards fees to the prevailing party as permitted by law.

18.4 Class Action Waiver

You and Zaboca Holdings Inc. agree that any arbitration or legal proceeding shall be conducted on an individual basis only and not as a class, collective, or representative action. If this waiver is found unenforceable, the entirety of this Arbitration Agreement shall be null and void, and any Dispute shall be resolved in court under Article XIX.

18.5 Waiver of Jury Trial

To the fullest extent permitted by law, you and Zaboca Holdings Inc. each waive the right to a trial by jury in any proceeding arising out of or relating to this Agreement.

18.6 Small Claims Court Exception

Either party may bring an individual action in small claims court if the claim is within that court's jurisdiction and is brought on an individual basis.

18.7 Injunctive Relief Exception

Zaboca Holdings Inc. may seek injunctive relief in any court of competent jurisdiction to prevent infringement of its intellectual property, unauthorized access to the Application, or other conduct threatening immediate and irreparable harm for which monetary damages would not be adequate.

18.8 Opt-Out Right

You may opt out of this Arbitration Agreement by sending written notice to support@zaboca.org within thirty (30) calendar days of first accepting this Agreement, including your full name, email address, and a clear statement of your intent to opt out. If you opt out, all other terms remain in effect, and Disputes will be resolved in court under Article XIX.

18.9 Severability and Survival

If any provision of this Arbitration Agreement is found unenforceable, that provision shall be severed and the remainder shall remain in effect, except as provided in Section 18.4. This Arbitration Agreement survives termination of this Agreement and closure of your Account.

Article XIX: Governing Law and Jurisdiction

19.1 Governing Law

This Agreement is governed by the laws of the State of Delaware, United States of America, without regard to its conflict-of-laws principles, except where mandatory consumer-protection law of your state or country of residence requires otherwise. The FAA governs interpretation of Article XVIII.

19.2 Consent to Jurisdiction

To the extent any lawsuit or court proceeding is permitted under this Agreement, you and Zaboca Holdings Inc. consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware, except where applicable law gives you the right to bring a claim in your local courts.

19.3 Limitations Period

Except as prohibited by applicable law, any claim arising out of this Agreement must be filed within one (1) year after the claim accrued or be forever barred.

Article XX: General Provisions

20.1 Entire Agreement

This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and Zaboca Holdings Inc. regarding the subject matter hereof and supersedes all prior agreements or understandings relating to such subject matter.

20.2 Severability

If any provision of this Agreement is held invalid, illegal, or unenforceable, such provision shall be severed and the remaining provisions shall remain in full force and effect.

20.3 No Waiver

Zaboca Holdings Inc.'s failure to enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision.

20.4 Assignment

You may not assign your rights or obligations under this Agreement without Zaboca Holdings Inc.'s prior written consent. Zaboca Holdings Inc. may assign this Agreement without your consent in connection with a merger, acquisition, or corporate reorganization.

20.5 Force Majeure

Zaboca Holdings Inc. is not liable for delays or failures in performance resulting from causes beyond the Company's reasonable control, including acts of God, cyberattacks, government actions, pandemics, infrastructure failures, or third-party service provider outages.

20.6 Notices

Notices to you will be sent to the email address associated with your Account. Notices to Zaboca Holdings Inc. should be sent to support@zaboca.org or to Zaboca Holdings Inc., 254 Chapman Rd, STE 208, Newark, DE 19702, USA.

20.7 Relationship of the Parties

Nothing in this Agreement creates a partnership, joint venture, agency, or employment relationship between you and Zaboca Holdings Inc. Neither party has authority to bind the other.

20.8 Language

This Agreement is executed in the English language, which shall control in the event of conflict with any translated version.

Article XXI: Acknowledgment and Acceptance

END OF TERMS OF SERVICE
Effective Date: August 12, 2026  |  Last Updated: August 12, 2026
© 2026 Zaboca Holdings Inc. All rights reserved.
BNS (Black, No Sugar) is a trade name of Zaboca Holdings Inc., a Delaware Corporation.