Terms of Service

1. Eligibility

You must be at least 18 years old and capable of forming a binding contract in your jurisdiction to use Net Worth Tracker. The Service is offered only where permitted by law. By using the Service, you represent that you meet these requirements and that all information you provide is accurate and current.

2. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms or that we reasonably believe pose a security or legal risk.

3. The Service

Net Worth Tracker provides tools to track and organize the net worth information you enter. The Service is offered “as is” and may evolve over time; we may add, change, or remove features without notice.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.
• Attempt to access another user's account, data, or any non-public area of the Service.
• Reverse engineer, decompile, or otherwise attempt to extract the source code of the Service, except to the extent permitted by applicable law.
• Interfere with, disrupt, or place an unreasonable load on the Service, including by submitting malicious code or automated traffic.
• Use the Service to provide financial, investment, tax, or legal advice to third parties as if you were authorized to do so.

5. Not Financial Advice

Net Worth Tracker is an informational tool. The Service does not provide investment, tax, accounting, or legal advice, and nothing in the Service should be interpreted as a recommendation to buy, sell, or hold any security, asset, or financial product. You are solely responsible for your financial decisions. Consult a qualified professional before acting on information you obtain through the Service.

6. Fees

Some features of the Service may be free, while others require a paid subscription. The price and billing cycle are shown before you pay. RevenueCat handles purchases on the website and subscription status in the mobile apps. On the website, you pay in the RevenueCat checkout. In the iOS and Android apps, Apple or Google charges your store account. If a payment fails, we may suspend access to paid features until it succeeds.

8. Intellectual Property

The Service, including its software, design, text, graphics, and logos, is owned by Net Worth Tracker or its licensors and is protected by applicable intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, subject to these Terms.

9. Your Content

You retain ownership of any data, notes, tags, or other content you submit to the Service (“Your Content”). You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, and display Your Content solely to operate, improve, and provide the Service to you.

10. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NET WORTH TRACKER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS (US$100).

12. Indemnification

You agree to defend, indemnify, and hold harmless Net Worth Tracker from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any third-party right.

13. Termination

You may stop using the Service and delete your account at any time from your account settings. We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. Sections that by their nature should survive termination (including disclaimers, limitations of liability, and dispute-resolution provisions) will survive.

14. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice, for example by posting the updated Terms within the Service or sending you an email. Your continued use of the Service after the changes take effect constitutes your acceptance of the updated Terms.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in the State of California, and you consent to personal jurisdiction in those courts.

16. Third-Party Services

The Service uses third parties to operate. Google Firebase handles sign-in, including Google and Apple sign-in, and analytics in the mobile app. Google Analytics measures use of the website. RevenueCat handles website checkout and subscription status on the website and in the mobile apps. Apple and Google charge purchases made in their stores. Resend delivers email when you contact us, send feedback, or join a waitlist. These providers process information only to perform those services. Their own terms and privacy policies also apply.

17. Contact

Questions about these Terms? Reach us at hello@networthtrackerapp.com.