ZeroFi ("ZeroFi", "we", "us") is operated by Nirvana Consulting Company. This Privacy Policy explains what information we collect through our marketplace and software at zerofi.ai and app.zerofi.ai (the "Services"), how we use it, and the choices you have. By using the Services you agree to this Policy.
1. Information we collect
Information you provide
- Homeowners / customers: the job description you enter, your city or ZIP, optional photos, and the name, email, and phone you provide when you request an estimate.
- Professionals / businesses: account details (name, email, password), business profile information (company name, address, phone, website, trade, services), and content you create in the software (quotes, jobs, invoices, customer records).
- Listing requests: details you submit to be added to our directory.
- Communications: messages you send us and email interactions.
Information collected automatically
- Usage and device data (pages viewed, actions, approximate location from IP, browser type) via cookies and analytics.
- Email engagement (opens and clicks) in messages we send, using standard tracking pixels and links.
Information from public sources
- We compile business listings (name, address, phone, website, ratings) from publicly available sources to power our directory and matching. A business may claim, correct, or request removal of its listing at any time.
2. How we use information
- Provide the Services — match homeowners with pros, generate AI estimates and DIY guidance, and run the business software.
- Send transactional messages (verification codes, receipts, lead notifications) and, where permitted, outreach we believe is relevant to your business.
- Improve, secure, and troubleshoot the Services and prevent abuse or fraud.
- Comply with legal obligations.
3. How we share information
- Between marketplace participants: when you request an estimate, we share your request and contact details with the pro(s) you select so they can respond.
- Service providers (processors) who help us operate, including hosting and database (Supabase), deployment (Vercel), email delivery (Resend), AI processing (OpenAI), maps and places (Google), and payments (Stripe). They may process data only on our instructions.
- Legal and safety: to comply with law, enforce our terms, or protect rights and safety.
- Business transfers: in connection with a merger, acquisition, or sale of assets.
- We do not sell your personal information.
4. Cookies & analytics
We use cookies and similar technologies for essential functionality and analytics (including Google Analytics 4) to understand usage. You can control cookies through your browser settings; disabling some may affect functionality.
5. Your choices & rights
- Marketing email: unsubscribe any time via the link in our emails; we honor opt-outs across all campaigns.
- Access, correction, deletion: depending on your location (including under CCPA/CPRA and similar laws), you may request access to, correction of, or deletion of your personal information.
- Listing removal: businesses may request correction or removal of a directory listing.
- To exercise any right, contact privacy@zerofi.ai. We will not discriminate against you for exercising your rights.
6. Data retention
We keep information for as long as needed to provide the Services, comply with legal obligations, resolve disputes, and enforce agreements, then delete or de-identify it.
7. Security
We use administrative, technical, and organizational safeguards including encryption in transit, access controls, and row-level data isolation. See our Security page. No method of transmission or storage is 100% secure.
8. AI-generated content
Estimates, matches, and DIY guidance are generated using AI and provided for general information only. They are not professional advice and may be inaccurate — always confirm with a licensed professional.
9. Children
The Services are not directed to children under 16, and we do not knowingly collect their personal information.
10. International users
ZeroFi is operated in the United States and the Services are intended for U.S. users. If you access them from elsewhere, you consent to processing in the United States.
11. Changes to this Policy
We may update this Policy from time to time. Material changes will be posted here with an updated date.
12. Contact
Questions? Email privacy@zerofi.ai. ZeroFi is a product of Nirvana Consulting Company (ainirvana.ai).
This document is provided for general informational purposes and does not constitute legal advice.