Terms of Service

Welcome to ZenPayoff. These Terms of Service (“Terms”) govern your access to and use of ZenPayoff.com (the “Website”), including any digital products, calculators, or educational resources provided through the platform.

1. Legal Entity & Ownership

The Website ZenPayoff.com is fully owned, operated, and maintained by JMB GENERAL TRADING, a sole establishment legally licensed and registered under the Abu Dhabi Department of Economic Development (Abu Dhabi Trader License) in Abu Dhabi, United Arab Emirates.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, please do not use the Website. Our payment processing is securely handled globally via Stripe, and all legal disputes are subject to the exclusive jurisdiction of the courts of Abu Dhabi, United Arab Emirates.

2. Digital Products and Refund Policy

All digital products, including budget spreadsheets, Notion templates, guides, and planners, are delivered instantly via email. Due to the digital nature of these products, all sales are final and non-refundable once the download link is accessed.

3. Limitation of Liability

The calculators and financial tools provided on ZenPayoff.com are for educational and informational purposes only. They do not constitute professional financial or legal advice. JMB GENERAL TRADING is not liable for any financial decisions or outcomes resulting from the use of this Website.