Terms of Use

Last updated November 8, 2026

By using Zunova you agree to these terms. If you don't agree, don't use the app. You must be 18 or older.

What Zunova is

Zunova is a budgeting and money-habit tool. It shows estimates based on numbers you type in and, if you choose to connect an account, data shared through Plaid.

Not professional advice

Zunova is not a financial advisor, investment advisor, accountant, tax preparer, credit counselor or lawyer, and nothing in the app is financial, investment, accounting, tax, credit or legal advice. Talk to a qualified professional about your own situation.

Not a bank or lender

Zunova is not a bank, lender or payment service. It can't move money, pay bills, open credit or dispute charges. Paying your bills on time and avoiding fees and overdrafts stays your responsibility.

Estimates can be wrong

Every figure, including "safe to spend", is an estimate. It can be late, incomplete or wrong, for example when a bank delays data, a transaction is pending, a bill or paycheck is missing, or a number you typed is out of date. Check your bank or card company before you rely on a number.

Your decisions

You alone decide what to do with your money and are responsible for those decisions.

No warranty

Zunova is provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows. We don't promise it will be accurate, uninterrupted or error-free, or that any bank will stay connected.

Limit of liability

To the fullest extent the law allows, Zunova and its owners aren't liable for indirect or consequential losses, or for losses, fees, overdrafts, interest, late charges or missed payments arising from your use of the app. Some places don't allow these limits, so they may not fully apply to you, and nothing here limits rights you can't legally give up.

Connected accounts

Connections run through Plaid under Plaid's own terms and privacy policy. You can disconnect at any time. See our Privacy Policy.

Changes

If these terms change in a meaningful way, the date above changes and the app asks you to agree again.

Who runs Zunova

Zunova is operated by Identified Business Solutions LLC, 3636 Miramontes Circle, Wellington, FL 33414. "We" in these terms means that company. Questions: support@getzunova.com.