Terms of Service

1. Acceptance of Terms

By accessing and using Zenager ("the Service"), operated by M21 Ventures LLC, you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Service.

2. Description of Service

Zenager is a financial intelligence platform that provides AI-powered insights, financial health scoring through our "Zenager Pulse" system, budget optimization, and social sharing features for financial wellness.

3. Financial Data and Bank Connections

Our Service allows you to connect your bank accounts through secure third-party providers like Plaid. You authorize us to access your account information for analysis and insights. We do not provide personalized financial advice - our recommendations are general in nature.

4. Zenager Pulse and Social Features

The Zenager Pulse is a proprietary scoring system for informational purposes only. When you share your Pulse scores on social media, this information becomes public. We are not responsible for how third parties use your shared information.

5. Subscription and Payment Terms

We offer various subscription plans billed monthly or annually. You may cancel at any time through your account settings. Cancellations are effective at the end of the current billing period.

6. Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose
• Share false or misleading financial information
• Attempt to interfere with or disrupt the Service
• Share your account credentials with others
• Use automated scripts or bots to access the Service

7. Limitation of Liability

The Service is provided "as is" without warranties. To the maximum extent permitted by law, Zenager Inc. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

8. Contact Information

If you have any questions about these Terms, please contact us: