Terms & Conditions

1. Agreement to these terms

These Terms & Conditions ("Terms") are a legal agreement between you and [Your Company or Legal Entity Name] ("Zion Solutions", "we", "us", or "our") governing your access to and use of the tools available at this website, including merging PDFs, converting Word to PDF, converting PDF to Word, removing image backgrounds, and the budget, debt, and investment planning calculators (together, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

2. Description of the Services

The Services are free, browser-based tools. Unless we tell you otherwise on a specific page, all processing — including reading, converting, merging, and analyzing your files, images, and financial figures — happens locally on your own device, inside your web browser. We do not operate a back-end that receives, stores, or processes the content of your files as part of delivering these tools.

3. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, and have the legal capacity to enter into a binding agreement, to use the Services. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

4. License and acceptable use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes. You agree not to:

use the Services for any unlawful purpose or to process content that is illegal, infringing, defamatory, or that you do not have the right to process; attempt to reverse-engineer, decompile, or extract the source code of the Services beyond what is exposed by ordinary browser use; interfere with, overburden, or disrupt the Services or the servers or networks connected to them; use automated means (bots, scrapers) to access the Services in a manner that sends excessive requests; upload or process files containing malware or other harmful code; misrepresent your identity or affiliation; or use the Services in any way that violates applicable local, national, or international law, including EU and UK law and US federal and state law.

5. Your files and content

You retain all ownership rights in and responsibility for the files, images, and data you process using the Services. Because processing happens locally in your browser, we never receive, view, store, or have access to that content. You are solely responsible for ensuring you have the necessary rights and permissions to upload, convert, or otherwise process any file or image you use with the Services, and for keeping your own backup copies — closing or reloading the page will discard any unsaved work.

6. Intellectual property

The Zion Solutions name, and the design, layout, and original code of the Services (excluding the third-party open-source libraries described below), are owned by us or our licensors and are protected by intellectual property laws. These Terms do not grant you any right to use our branding except as necessary to use the Services as intended.

The Services incorporate open-source, third-party software libraries — including pdf-lib, mammoth.js, html2pdf.js, pdf.js, and the @imgly background-removal library — each of which remains the property of its respective authors and is used under its own open-source license.

7. No fees; no account required

As of the date of these Terms, the Services are provided free of charge and do not require you to create an account. If we introduce paid features, accounts, or subscriptions in the future, additional terms will apply to those features and will be presented to you at that time.

8. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. Conversion and extraction tools (such as PDF-to-Word text extraction or Word-to-PDF conversion) may not perfectly preserve layout, formatting, images, or content fidelity, and background-removal results may vary depending on the image. You should always review the output of any tool before relying on it.

The budget, debt payoff, and investment growth planners are simplified estimation tools provided for general informational and educational purposes only. They rely on assumptions you provide (such as interest rates, expected returns, and fixed payments) and do not account for taxes, fees, inflation, or changes in your actual circumstances. They do not constitute financial, investment, tax, accounting, or legal advice, and should not be relied upon as a substitute for advice from a qualified professional before making financial decisions.

9. Limitation of liability

To the maximum extent permitted by applicable law, in no event will we be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or business opportunity, arising out of or related to your use of, or inability to use, the Services, even if we have been advised of the possibility of such damages. Because the Services are provided free of charge, our total aggregate liability for any claim arising from these Terms or the Services will not exceed the greater of the amount you paid us in the twelve months before the claim (which, for most users, will be zero) or the minimum amount permitted by applicable law.

Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded, including liability for death or personal injury caused by negligence, fraud, or any statutory consumer rights that cannot be waived under the law of your country of residence — including mandatory consumer protections available to consumers in the European Union and United Kingdom.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, and expenses (including reasonable legal fees) arising from your misuse of the Services, your violation of these Terms, or your violation of any law or the rights of a third party.

11. Availability and changes to the Services

We may modify, suspend, or discontinue all or part of the Services at any time, with or without notice. We are not liable to you or any third party for any such modification, suspension, or discontinuation.

12. Governing law and dispute resolution

These Terms are governed by the laws of [Governing Law Jurisdiction — e.g., the State of Delaware, USA], without regard to its conflict-of-laws principles, except where applicable law requires otherwise. If you are a consumer habitually resident in the European Union or the United Kingdom, this choice of law does not deprive you of the protection of any mandatory provisions of the law of your country of residence, and you may also be entitled to bring proceedings in the courts of that country.

EU consumers may also access the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr to resolve disputes without going to court. We encourage you to contact us first so we can try to resolve any concern directly.

13. Severability and entire agreement

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Services and supersede any prior agreements on this subject.

14. Changes to these Terms

We may update these Terms from time to time. We will revise the "Last updated" date above when we do, and material changes will be given reasonable notice. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.