Terms of Service

1. Acceptance & Eligibility

By creating an account, checking the consent boxes at registration, or using any part of Net Worth Nexus — the website at networth.nexus, the web application at app.networth.nexus, the iOS application, and the services behind them (together, the “Service”) — you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

To use the Service you must:

• be at least 13 years of age (registration enforces a birth-year gate);
• if under the age of majority where you live, have permission from a parent or legal guardian who agrees to these Terms on your behalf;
• have the legal capacity to enter a binding contract; and
• not be barred from using the Service under applicable law.

The Service is operated from the United States and is currently intended for users in the United States. If you access it from elsewhere, you are responsible for compliance with your local laws.

2. Service Status; Pre-Launch

The Service is in active development and is not yet enabled for general public use. Descriptions across the site reflect the built product ahead of its public launch. During this period: access may be limited, gated by invitation or access codes, suspended, or reset; features may change or be withdrawn without notice; and data created in pre-launch environments may be deleted as part of development. We may update these Terms at or before public launch, including following attorney review.

3. The Service & Your License

Net Worth Nexus is a personal finance information and analytics platform: it aggregates financial account data you connect through third-party providers or enter manually, computes analytics on it, provides public-market research feeds, and offers planning simulations. Core areas include the Dashboard, Investments, Banking, Markets, and the Time Machine, plus settings, notifications, and an AI-generated daily briefing.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own non-commercial purposes. We reserve all rights not expressly granted.

4. Not Financial, Investment, Legal, or Tax Advice

• We are not your financial adviser, broker, accountant, or attorney, and no fiduciary, advisory, or professional relationship is created by your use of the Service.
• Nothing in the Service is a recommendation, solicitation, or offer to buy or sell any security, option, digital asset, or other financial instrument, or to pursue any strategy.
• Analytics such as concentration measures, option Greeks, tax-lot views, spending analyses, and peer comparisons are descriptive computations, not evaluations or guidance.
• Time Machine projections are hypothetical simulations (Monte-Carlo models under assumptions you control). They are illustrative odds, not predictions or promises. Past performance does not indicate future results.
• Before making financial decisions, consult qualified professionals who know your circumstances. Any decision you make, and its consequences, are yours alone.

5. Not a Financial Institution; Read-Only

NexTech Innovations LLC is a software company. We are not a bank, broker-dealer, investment adviser, exchange, custodian, money transmitter, money services business, credit repair organization, or insurance provider, and we are not registered with the SEC, FINRA, or any comparable authority.

• All account connections are read-only. The Service cannot execute trades, place orders, move or transfer money, or take custody of funds or assets — no such capability exists in the Service.
• Your assets remain at all times with your own institutions, subject to your agreements with them.
• You authenticate with your institutions through the connection providers’ own flows; your institution credentials are never entered into, transmitted through, or stored by our systems.

6. Your Account

• Provide accurate registration information and keep it current. Accounts are personal; do not share credentials or let others use your account.
• You are responsible for all activity under your account and for maintaining the confidentiality of your password and any device-level unlock (such as Face ID) you enable.
• Notify us promptly at [email protected] if you suspect unauthorized access.
• We may suspend or terminate accounts that violate these Terms, present a security risk, or are used unlawfully (see Section 16).
• You may delete your account at any time in Settings; deletion is blocked while a paid subscription is active — cancel first, then delete.

7. Subscriptions & Billing

7.1 Tiers

The Service offers a Free tier and paid subscriptions — currently Pro ($4.99/month) and Nexus ($9.99/month), where Nexus includes all Pro capabilities. Current pricing and inclusions are shown at networth.nexus/#pricing and in-app; posted pricing at time of purchase controls.

7.2 Billing channels

• Web: subscriptions are processed by Stripe. Plan changes take effect with proration; you can manage or cancel in the Stripe customer portal from Settings.
• iOS: subscriptions are in-app purchases billed to your Apple ID, governed also by Apple’s terms; manage or cancel in your Apple ID subscription settings. Apple’s standard auto-renewal rules apply.
• A subscription purchased on one platform is recognized on the other after verification.

7.3 Renewal, cancellation, refunds

• Subscriptions renew automatically each month until canceled. Cancel anytime; access continues through the paid period.
• For iOS purchases, refunds are handled exclusively by Apple under Apple’s policies. For web purchases, fees are non-refundable except where required by law or expressly stated; contact [email protected] and we will review requests in good faith.

7.4 Downgrades and lapses

• When a paid tier ends or is downgraded, features requiring the higher tier stop; your account and manual data remain.
• If Pro-level access ends, connected brokerage authorizations are disconnected and purged so paid data links do not persist. Reconnecting requires an eligible plan.

7.5 Price changes

We may change subscription pricing prospectively. For active subscribers, changes take effect at the next renewal after reasonable advance notice (via the Service or email); continuing past the effective date is acceptance, and you may cancel before it applies.

8. Third-Party Services

The Service is built on third-party providers, including:

• SnapTrade — brokerage account aggregation (Pro);
• Quiltt, with Finicity connectivity and FinGoal enrichment — bank/credit aggregation (Nexus);
• Stripe — web payments; Apple — iOS payments and push notifications;
• Google Gemini — AI-generated briefing and support responses;
• public data sources such as FRED and SEC EDGAR.

Your use of a provider’s flow (for example, authorizing a connection or completing a checkout) is subject to that provider’s own terms and privacy policy. We do not control third-party services and are not responsible for their acts, omissions, outages, or data. References to any financial institution are illustrative and do not imply endorsement, affiliation, or guaranteed support; institution coverage is determined by the providers’ networks and can change.

9. Data Accuracy & Availability

• Financial data may be delayed, incomplete, estimated, or erroneous — upstream sources, market-hours syncing, caching, and provider outages all affect it. Temporarily unavailable account values may be shown as “carried forward” from the last good reading, marked stale.
• Analytics are computed from that data and inherit its limitations; certain figures (for example, reconstructed cash balances) are derived estimates.
• The Service is not a system of record. Do not rely on it as your sole source of truth for trading, tax preparation, accounting, loan applications, or any official purpose — verify against your institutions’ own statements.
• We do not promise uninterrupted or error-free operation, and scheduled or emergency maintenance may limit availability. We may impose usage and rate limits to protect the Service.

10. AI-Generated Content

Portions of the Service are generated by artificial-intelligence models (currently Google Gemini): the Daily Briefing, and responses from the website support assistant. AI output is constrained to neutral, educational observation, but it is machine-generated and may be inaccurate, incomplete, or outdated despite our safeguards. It is not advice (Section 4), it does not bind us contractually, and authoritative answers about your account come from human support at [email protected]. Do not submit sensitive personal or credential information to chat features.

11. Acceptable Use

You agree not to, and not to attempt or help others to:

• use the Service unlawfully, fraudulently, or to harm others — including connecting financial accounts you are not authorized to access;
• probe, scan, or breach security measures; evade rate limits or access controls; or disrupt the Service’s operation or infrastructure;
• access the Service by automated means (bots, scrapers, crawlers) or harvest data from it, except through interfaces we expressly provide;
• reverse engineer, decompile, or copy the Service or its non-public components, except to the extent a law says this restriction is unenforceable;
• resell, sublicense, frame, or commercially exploit the Service or its data feeds;
• misrepresent your identity, impersonate anyone, or abuse support channels (including the AI assistant) with malicious, harassing, or prompt-injection content;
• use the Service to build a competing dataset or product, or to train machine-learning models on Service content;
• upload malicious code or content you lack rights to.

We may investigate violations and cooperate with law enforcement where appropriate.

12. Feedback

Ideas, bug reports, and suggestions are welcome — by sending them you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them without restriction or compensation, and you represent you have the right to share them.

13. Intellectual Property

The Service — including software, design, charts, text, graphics, logos, and the “Net Worth Nexus” name and marks — is owned by NexTech Innovations LLC or its licensors and protected by intellectual-property laws. These Terms transfer no ownership to you.

Your data remains yours. You grant us a limited license to host, process, and display your account data and manual entries solely to operate, secure, and improve the Service for you, consistent with the Privacy Policy. The license ends when the data is deleted from the Service.

14. Privacy

Our Privacy Policy explains what we collect, how we use it, who processes it, and the choices you have — including that we never store institution credentials, never sell personal data, and use no advertising trackers. It is part of these Terms.

15. Changes to the Service

We iterate quickly. We may add, change, gate behind different tiers, or remove features at any time, and may discontinue the Service entirely with reasonable notice where practicable. We are not liable for modifications or discontinuation, though Section 7 governs any effect on paid periods.

16. Termination

• By you: stop using the Service and/or delete your account in Settings (cancel any active paid subscription first).
• By us: we may suspend or terminate your access immediately for breach of these Terms, security risk, suspected fraud or unlawful use, extended inactivity in pre-launch environments, or where required by law or providers.
• Effect: your license ends; connected authorizations are revoked; data is deleted or retained per the Privacy Policy. Sections that by nature survive (including 4, 5, 9, 12, 13, 17–21, 23) survive.

17. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE. WE DO NOT WARRANT THAT THE SERVICE, ITS DATA, OR ANY AI OUTPUT WILL BE ACCURATE, COMPLETE, TIMELY, SECURE, UNINTERRUPTED, OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NEITHER NEXTECH INNOVATIONS LLC NOR ITS OFFICERS, MEMBERS, EMPLOYEES, AGENTS, OR PROVIDERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, INVESTMENT LOSSES, TRADING LOSSES, TAX CONSEQUENCES, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING FROM OR RELATING TO THE SERVICE — INCLUDING RELIANCE ON ANY DATA, ANALYTICS, SIMULATION, OR AI OUTPUT — EVEN IF ADVISED OF THE POSSIBILITY; AND (b) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF FIFTY U.S. DOLLARS ($50) OR THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

THESE LIMITS APPLY REGARDLESS OF LEGAL THEORY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THEY DO NOT LIMIT LIABILITY THAT CANNOT BE LIMITED BY LAW (SUCH AS FOR FRAUD OR WILLFUL MISCONDUCT), AND WHERE A JURISDICTION LIMITS EXCLUSIONS, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.

19. Indemnification

You will defend, indemnify, and hold harmless NexTech Innovations LLC and its officers, members, employees, and agents from claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your use or misuse of the Service; (b) your violation of these Terms or applicable law; (c) your violation of any third party’s rights; or (d) financial decisions you make. We may assume the exclusive defense of any matter (at our expense), in which case you agree to cooperate.

20. Dispute Resolution: Arbitration & Class Waiver

20.1 Informal resolution first

Before filing, you and we agree to try to resolve any dispute informally: send a written description to [email protected] (or we will email you), and both sides will negotiate in good faith for 60 days. Most issues get fixed here.

20.2 Binding arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally shall be finally resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The Federal Arbitration Act governs this section. The seat is New York, New York; hearings may proceed remotely or, where the rules allow, on documents alone. The arbitrator decides all issues except that a court decides the enforceability of this arbitration agreement and the class waiver. Judgment on the award may be entered in any court of competent jurisdiction. AAA fees are allocated per its consumer rules; we will not seek attorneys’ fees from you unless your claim is found frivolous.

20.3 Exceptions

Either party may (a) bring an individual claim in small-claims court, and (b) seek injunctive relief in court to protect intellectual property or Service security.

20.4 Class action & jury waiver

ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY — NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING — AND EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL. If the class waiver is held unenforceable as to a particular claim, that claim (and only that claim) proceeds in court.

20.5 30-day opt-out

You may opt out of this arbitration agreement by emailing [email protected] with subject “Arbitration Opt-Out,” your account email, and a statement that you opt out, within 30 days of first accepting these Terms. Opting out does not affect any other section.

20.6 Time limit

To the extent permitted by law, any claim must be filed within one (1) year after it accrues, or it is permanently barred.

21. Governing Law & Venue

These Terms and any dispute arising from them are governed by the laws of the State of New York, without regard to conflict-of-laws rules (and the Federal Arbitration Act for Section 20). For matters not subject to arbitration, the exclusive venue is the state or federal courts located in New York County, New York, and both parties consent to their jurisdiction.

22. Changes to These Terms

We may revise these Terms from time to time. For material changes we will give reasonable notice — in-app, on this page with an updated effective date, or by email. Changes apply prospectively; continued use after the effective date is acceptance. If you do not agree, stop using the Service and delete your account. The consent version you accepted at registration is recorded with your account.

23. Miscellaneous

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service, superseding prior agreements.
• Severability. If a provision is held unenforceable, it is modified to the minimum extent necessary, and the rest remains in effect.
• No waiver. Failure to enforce a provision is not a waiver.
• Assignment. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets, with notice to you.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control (including provider outages, internet failures, and acts of government).
• Apple. For the iOS app, Apple is not a party to these Terms, has no obligation to furnish maintenance or support, and is a third-party beneficiary entitled to enforce them as to the iOS app.
• Notices. We may notify you via the Service or the email on your account; legal notices to us go to [email protected].

24. Contact

NexTech Innovations LLC · [email protected]
Questions about these Terms are welcome — plain-language answers are a product value.