Interpretation and Definitions
Interpretation
The words with initial letters capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or plural.
Definitions
For the purposes of these Terms and Conditions:
Account means a unique account created for You to access our Service or parts of our Service.
Country refers to: California, United States.
Company (referred to as either "the Company", "We", "Us", or "Our" in this Agreement) refers to Zero Cost Refinancing, located at
2195 Tully Road, San Jose, CA 95122.
Device means any device that can access the Service, such as a computer, cell phone, or digital tablet.
Feedback means feedback, innovations, or suggestions sent by You regarding the attributes, performance, or features of our Service.
Service refers to the Website.
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Acknowledgement
These Terms and Conditions govern the use of this Service and the agreement that operates between You and Zero Cost Refinancing. These Terms set out the rights and obligations of all users regarding the use of the Service.
By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, then You may not access the Service.
You represent that You are over the age of 18. The Company does not permit anyone under 18 to use the Service.
Your access to and use of the Service is also conditioned on Your acceptance of and compliance with Our Privacy Policy, which describes how We collect, use, and disclose Your personal information.
User Accounts
When You create an account or submit information through our forms, You must provide accurate, complete, and current information at all times. Failure to do so constitutes a breach of these Terms, which may result in immediate termination of Your access to the Service.
You are responsible for safeguarding any login information or access credentials and for all activities under Your account. You must notify Us immediately upon becoming aware of any unauthorized access or use.
You may not use a name or identity that infringes upon the rights of others, or is offensive, vulgar, or misleading.
Intellectual Property
All content, features, and functionality available through the Service—including text, graphics, logos, icons, images, and software—are the exclusive property of Zero Cost Refinancing or its licensors.
You may not reproduce, distribute, modify, or exploit any portion of the Service without Our prior written consent.
Feedback
You assign all rights, title, and interest in any Feedback You provide to the Company. If such assignment is not possible, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use and distribute such Feedback for any lawful purpose.
Links to Other Websites
Our Service may contain links to third-party websites or services that are not owned or controlled by Zero Cost Refinancing.
We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.
You acknowledge and agree that the Company shall not be held liable for any damage or loss caused by or related to the use of such external websites.
We strongly advise You to read the terms and conditions and privacy policies of any third-party sites that You visit.
Limitation of Liability
To the maximum extent permitted by law, Zero Cost Refinancing and its suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, resulting from:
Your use or inability to use the Service
Any unauthorized access to or use of Our servers and/or any personal information stored therein
Any interruption or cessation of transmission to or from the Service
In no event shall our total liability exceed $100 USD or the amount You have paid to Us (if any).
"AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to You “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied.
We make no guarantee that the Service will be uninterrupted, secure, or error-free, or that any defects will be corrected.
You agree that Your use of the Service is at Your sole risk.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, excluding its conflict of law provisions.
Your use of the Service may also be subject to local, state, national, or international laws.
Dispute Resolution
If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.
Severability and Waiver
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver
Failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights.
Changes to These Terms and Conditions
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time.
If a revision is material, We will provide notice prior to new terms taking effect.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms.
Contact Us
If You have any questions about these Terms and Conditions, You can contact us:
Zero Cost Refinancing
Contact: Vinod Mahboobani
Email: [email protected]
Phone: +1 (408) 555-1234 (replace with actual business number)
Address: 2195 Tully Road, San Jose, CA 95122
Policy Last Updated: 11/07/2025