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 a resident of the United States and located in the United States when you register;
• be at least 18 years of age, or the age of majority in your state if higher;
• have the legal capacity to enter a binding contract; and
• not be barred from using the Service under applicable law, and not be a person or entity subject to U.S. economic sanctions or listed on any U.S. government restricted-party list.

United States only. The Service is operated from the United States and is offered solely to residents of the United States. It is not offered, marketed, or made available to people in the European Economic Area, the United Kingdom, Switzerland, or any other jurisdiction outside the United States, and the iOS application is distributed only on the United States App Store. Prices are shown in U.S. dollars and the Service is provided in English only. Checking the consent box at registration is your confirmation that you are a United States resident. We use network-level signals to decline account creation from outside the United States; if you create or use an account from elsewhere, you do so on your own initiative and at your own risk, in breach of these Terms, and we may suspend or terminate the account.

2. Service Status; Pre-Launch

The Service has not yet opened to the general public. Until it does, creating an account may require an invitation or access code, and features may change before launch. Descriptions across the site reflect the built product. These Terms apply in full to everyone using the Service today.

The interactive demo runs on fictional sample data. No figure shown in the demo, in marketing screenshots, or in promotional material represents a real person, a real account, or the results any user has achieved.

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, Assets, 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, non-sublicensable, revocable license to use the Service for your own personal, 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.
• The Service does not prepare, file, or check tax returns, and its tax-lot and cost-basis figures are display conveniences that may differ from what your institution reports to the IRS. Use your institution’s official tax documents.
• 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, consumer reporting agency, credit repair organization, gambling operator, or insurance provider, and we are not registered with the SEC, FINRA, the CFPB, the New York Department of Financial Services, 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. We do not insure them; we are not an SIPC or FDIC member and no such protection extends to us.
• 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.
• The Service produces no consumer report, credit score, or eligibility determination, and may not be used by anyone as a factor in decisions about credit, insurance, employment, or housing. It is not governed by the Fair Credit Reporting Act.

Sportsbook tracking. The Assets area lets you record a sportsbook balance and a personal ledger of wagers you placed elsewhere. This is bookkeeping for figures you type in yourself. We do not accept, place, broker, settle, or facilitate any wager, we take no position on whether you should gamble, and nothing in the Service is betting advice or a prediction of any outcome. Gambling is regulated differently in every state and is your responsibility. If gambling is causing you harm, the National Problem Gambling Helpline is available 24/7 at 1-800-GAMBLER.

6. Projections, Simulations & Benchmarks

• Simulated results have inherent limitations. There are frequently sharp differences between simulated results and the actual results later achieved. Past performance does not indicate or guarantee future results.
• No projection is a promise, forecast, guarantee, or assurance that any outcome will occur, and small changes to your assumptions can change the output dramatically.
• Projections ignore taxes, fees, spreads, slippage, inflation surprises, sequence-of-returns risk, and your own future behavior unless you model them explicitly.
• Peer and demographic benchmarks shown in the Service are derived from national statistics published by the Federal Reserve (the Survey of Consumer Finances, carried forward each quarter using the Distributional Financial Accounts) and placed against the age and, if you supply it, income you enter. They are a public statistical reference, not a live comparison against other Net Worth Nexus users, and no user’s data is pooled, shared, or shown to anyone else. Treat them as a rough national lens, not a measurement of you.

7. 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. We strongly recommend a password you use nowhere else.
• Connect only financial accounts that you own or are lawfully authorized to access. Connecting someone else’s account without authorization may violate federal and state law as well as your agreement with that institution.
• Notify us promptly at support@networth.nexus 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 23).
• You may delete your account at any time in Settings. Deletion is never blocked by a subscription — you do not have to cancel first. Deleting an account with a web subscription cancels that subscription automatically. Deleting your account does not cancel an App Store subscription — see Section 10.1. Deletion is permanent and we cannot restore a deleted account.

8. Electronic Communications & Consent

By creating an account you consent to receive all communications, agreements, disclosures, notices, and records from us electronically — by email to the address on your account, by in-app message, or by posting to the Service — and you agree that electronic delivery satisfies any legal requirement that such communications be in writing. This consent is given under the federal E-SIGN Act.

• What you need: a device with internet access, a current browser, a working email address, and the ability to view and save PDF or HTML documents.
• Transactional messages cannot be turned off while you have an account: verification, password resets, security alerts, billing and renewal notices, and legal notices. These are part of operating the Service.
• Optional messages can be turned off at any time: product-update emails and push notifications, in Settings. Every marketing email also carries an unsubscribe link and our postal address.
• To withdraw consent to electronic delivery entirely, or to request a paper copy of any record, write to us at the address in Section 32. Because the Service is delivered electronically, withdrawing consent means closing your account.
• Keep your email current. Update it in Settings. A notice sent to the address on your account is effective when sent, even if you no longer read that mailbox.

9. Subscriptions, Automatic Renewal & Billing

9.1 Tiers and price

The Service offers a Free tier and paid subscriptions — currently Pro ($4.99 per month) and Nexus ($9.99 per month), where Nexus includes everything in Pro. Current pricing and inclusions are shown at networth.nexus/#pricing and in-app; the price displayed to you at the moment of purchase controls. Prices are in U.S. dollars and exclude any taxes, which are added where required.

9.2 Material terms of the offer

• What you get: the features listed for the tier you select, for as long as the subscription is active.
• What it costs: the monthly amount displayed at checkout.
• How often you are charged: once per month, on the monthly anniversary of your purchase, automatically.
• How long it lasts: indefinitely — the term renews each month until you cancel. There is no minimum commitment, no term contract, and no cancellation fee.
• Deadline to cancel: any time before the next renewal date. A cancellation made even one minute before renewal stops the next charge.
• How to cancel: Section 10.
• Free trials and promotional pricing: we do not currently offer either. If we ever do, the introductory price, the date it ends, the price that follows, and the deadline to cancel before that price applies will all be disclosed to you before you consent, and again in your confirmation.

9.3 Your consent

We will not charge you for a subscription without your affirmative consent to the automatic-renewal terms above, given separately from any other part of the transaction. We do not use pre-checked boxes. Promptly after you subscribe we send you a confirmation you can keep, restating the plan, the price, the billing frequency, the cancellation deadline, and how to cancel.

9.4 Billing channels

• Web: subscriptions are processed by Stripe. Plan changes take effect with proration. Manage or cancel in the Stripe customer portal, reachable from Settings.
• iOS: subscriptions are in-app purchases billed to your Apple ID and are also governed by Apple’s terms. Apple charges your Apple ID within 24 hours before each period ends, and the subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period. Manage or cancel in your Apple ID subscription settings; the app deep-links you there.
• A subscription purchased on one platform is recognized on the other after verification. Buying on both platforms at once bills you twice — if that happens we will detect it, email you, and help you unwind the overlap.

9.5 Failed payments

If a charge fails we may retry it, and may email you to update your payment method. Paid features may pause during a lapse. We do not send accounts to collections and do not report anything to credit bureaus.

9.6 Price changes

We may change subscription pricing prospectively. If the price of your active subscription increases, or any other material term of your subscription changes, we will send you a clear and conspicuous notice at least five business days and no more than thirty days before the change takes effect, by the same means you chose to receive communications. The notice will state what is changing, the new price, when it applies, and how to cancel. We will not charge you the higher price without either your affirmative consent to it or your right to cancel within at least fourteen days after the charge and receive a pro-rata refund of the increase. If you do not want the new price, cancel before it takes effect.

9.7 Downgrades and lapses

• When a paid tier ends or is downgraded, features requiring the higher tier stop; your account, history, 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.

10. Cancellation & Refunds

10.1 How to cancel

• If you subscribed on the web: Settings → Subscription → Manage Subscription, then Cancel. It takes effect immediately as a scheduled cancellation, and you keep access through the period you already paid for.
• If you subscribed on iOS: iPhone Settings → your name → Subscriptions → Net Worth Nexus → Cancel Subscription. Apple controls this screen; the app links you straight to it. Apple, not we, processes App Store cancellations.
• Either way, you can also just email us at support@networth.nexus from your account address and ask us to cancel, and we will — for web subscriptions we can do it for you, and for App Store subscriptions we will walk you through Apple’s screen or contact Apple with you.

Cancelling ends the paid tier. It does not delete your account or your data; your account reverts to the Free tier and your history stays. If you also want your data deleted, do that separately in Settings (Section 7).

A tier limit never removes content you already created. The Free tier caps how many accounts you may track by hand, and a paid tier does not. If you cancel while holding more than the Free limit allows, you keep every one of those accounts: they stay visible, stay editable, and stay counted in your net worth. The only thing the limit does is stop you adding another until you are back under it. This applies to any limit we set under Section 22 — we enforce them when content is created, never by deleting or hiding what is already yours.

10.2 Refunds

• iOS purchases: refunds are handled exclusively by Apple under Apple’s policies, through reportaproblem.apple.com. We cannot issue or deny an App Store refund.
• Web purchases: fees are non-refundable except where required by law, where these Terms expressly say otherwise, or where we choose to refund. Write to support@networth.nexus and we will review the request in good faith — in practice we refund the current period for accidental purchases, duplicate billing, and material failures of the Service.
• Nothing here limits any refund right you have under applicable law, including the pro-rata refund described in Section 9.6.

11. 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 and credit aggregation (Nexus);
• Stripe — web payments; Apple — iOS payments and push notifications;
• Google (Gemini API) — AI-generated briefing and support responses;
• Railway — hosting and databases; Cloudflare — DNS, CDN, and edge security; Resend — transactional email;
• public data sources such as FRED and SEC EDGAR.

The Privacy Policy lists what each provider receives. 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, pricing, 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 without notice. A provider can discontinue support for your institution, and if that happens the connection stops working through no fault of ours and with no obligation on us to restore it.

12. 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.
• Market data, insider filings, and news feeds are supplied by third parties and public sources, are provided for information only, are not real-time, and are not warranted for accuracy, completeness, or fitness for trading.
• 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, insurance, legal proceedings, or any official purpose — verify against your institutions’ own statements, which control in any conflict.
• We do not promise uninterrupted or error-free operation, offer no uptime commitment or service-level agreement, and scheduled or emergency maintenance may limit availability. We may impose usage and rate limits to protect the Service.
• You are responsible for keeping your own records. Export your data at any time from Settings; do not rely on us as your only copy.

13. AI-Generated Content

Two features use artificial intelligence, both built on Google’s Gemini API:

• The Daily Briefing. Once a day we send a numeric summary of your portfolio — balances, changes, holding symbols and values, pre-computed patterns — to Google’s Gemini API, which returns one short written observation. We do not send your name, email, username, account numbers, or institution credentials.
• The website support assistant. Questions you type into the widget on networth.nexus are sent to Gemini together with our public product documentation to compose an answer.

How the AI is constrained. Both features run under instructions that forbid financial, investment, legal, and tax advice, forbid recommending that you buy, sell, or hold anything, and require the assistant to answer only from our documentation and hand off to a human when it does not know. These constraints reduce bad output; they do not eliminate it. AI-generated text may be inaccurate, incomplete, outdated, internally inconsistent, or confidently wrong, and can misread your data.

What AI output is not. It is not advice (Section 4). It is not a representation or warranty by us, does not bind us contractually, does not create any obligation on us, and cannot modify these Terms or any pricing, entitlement, or refund decision — only a human at support@networth.nexus can do that. If the assistant tells you something that contradicts these Terms, these Terms control.

What not to send it. Do not put passwords, full account numbers, Social Security numbers, government identifiers, or anyone else’s personal information into chat. Do not attempt prompt injection or try to make the assistant act outside its instructions.

Human review and training. We do not use AI to make automated decisions that produce legal or similarly significant effects about you — nothing about your entitlement, billing, refunds, or account standing is decided by a model. Our arrangement with our AI provider is on terms under which your prompts and outputs are not used to train the provider’s general models; the Privacy Policy describes this and any change to it.

14. No Emergency, Crisis, or Counseling Service

Money is stressful, and a number on a screen can land hard. Nothing in the Service — including the Daily Briefing, benchmarks, projections, and the support assistant — is mental-health care, counseling, crisis intervention, or a substitute for a professional. Do not use the Service or its support channels to report an emergency; we may not see the message for days.

If you are in danger, call 911. If you are struggling with thoughts of suicide or self-harm, call or text 988 (the Suicide & Crisis Lifeline), available free and confidential 24/7 in the United States. If gambling is the problem, call 1-800-GAMBLER. If debt is the problem, a nonprofit credit counselor through the National Foundation for Credit Counseling can help. These are real people; we are a spreadsheet with good typography.

15. Your Content & Community Spaces

15.1 Your content

“Your Content” means everything you put into the Service: manual accounts and balances, tickers, options, wagers, watchlist entries and the theses you write on them, account nicknames, profile details, support messages, and anything you type into the assistant. Your Content stays yours. You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, and display it solely to operate, secure, support, and improve the Service for you. That license ends when the content is deleted from the Service.

You represent that you have the right to submit Your Content and that it does not violate law or anyone’s rights. You are responsible for it. Almost all of it is private to your account — the Service has no social feed, no public profiles, no sharing between users, and no way for one user to see another user’s content.

15.2 No file uploads

The Service does not accept file uploads of any kind — no documents, no images, no statements, no attachments. There is no upload control anywhere in the product and no endpoint that receives one. Anything presenting itself as a Net Worth Nexus upload page is not ours; do not use it, and please report it to support@networth.nexus.

15.3 Community spaces

We operate a community Discord server. It is hosted by Discord Inc. and governed by Discord’s own terms and privacy policy in addition to these Terms. Anything you post there is visible to other members and to Discord, and is not covered by the privacy protections that apply to your account data. Do not post account numbers, balances, screenshots containing personal financial detail, or anyone else’s information.

In our community spaces and support channels, do not post content that is:

• unlawful, harassing, threatening, hateful, defamatory, or sexually explicit;
• investment advice, a recommendation, a solicitation, a promotion of a security or token, or a coordinated trading scheme;
• spam, referral-link farming, phishing, malware, or an impersonation of us or anyone else;
• someone else’s personal, confidential, or copyrighted material.

We do not pre-screen user content and have no obligation to monitor it, but we may remove any content and suspend or ban any participant, at any time, for any reason or none, without notice. Opinions posted by users are theirs, not ours, and we do not endorse, verify, or adopt them. Interacting with other members is at your own risk; people who ask you to move money, buy a token, or join a signals group are not vetted by us and are usually running a scam.

16. 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, paywalls, 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, mirror, or commercially exploit the Service or its data feeds, or use it to provide services to third parties;
• misrepresent your identity, impersonate anyone, or abuse support channels (including the AI assistant) with malicious, harassing, automated, or prompt-injection content;
• use the Service to build a competing dataset or product, or to train machine-learning models on Service content or output;
• submit malicious code, or content you lack the rights to;
• use the Service in violation of U.S. export control or sanctions law, or from an embargoed country.

We may investigate violations, remove content, throttle or suspend access, and cooperate with law enforcement where appropriate. Reporting a security vulnerability in good faith to support@networth.nexus is welcome and is not a violation of this section, provided you do not access other users’ data, degrade the Service, or publicly disclose before we have had a reasonable chance to fix it.

17. Copyright Complaints (DMCA)

We respect intellectual property and respond to valid notices under the Digital Millennium Copyright Act. If you believe material on the Service infringes your copyright, send our designated agent a written notice containing: your physical or electronic signature; identification of the copyrighted work; identification of the material and where it is located; your address, telephone number, and email; a statement that you have a good-faith belief the use is not authorized; and a statement, under penalty of perjury, that the information is accurate and you are authorized to act for the owner.

Designated agent: Copyright Agent, NexTech Innovations LLC, 3 E Evergreen Rd Ste 101 PMB 270, New City, NY 10956 · +1 (329) 224-9791 · support@networth.nexus

We will remove or disable access to material that is the subject of a valid notice, notify the person who posted it, and restore it on a valid counter-notice unless the complainant files suit. Misrepresentations in a notice or counter-notice can carry liability under 17 U.S.C. § 512(f). We terminate the accounts of repeat infringers.

18. 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. We are under no obligation to keep feedback confidential or to act on it.

19. 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. Data supplied by third-party providers and public sources remains subject to their rights and terms.

20. Privacy & Security

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

We maintain administrative, technical, and physical safeguards designed to protect your information, described in the Privacy Policy. No system is perfectly secure. We do not warrant that the Service or your data will be free from unauthorized access, and except where the law provides otherwise we are not liable for unauthorized access that occurs despite reasonable safeguards. If a breach affecting your personal information occurs, we will notify you as required by law, including New York’s breach-notification statute.

21. Accessibility

We build the Service to be usable by everyone and work toward conformance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. Accessibility is ongoing work and parts of the Service may not yet meet that standard. If any part of Net Worth Nexus is difficult or impossible for you to use, tell us at support@networth.nexus — describe the page and the barrier and we will work with you to provide the information or function through another means, and to fix it. We treat accessibility reports as bugs, not as complaints.

22. 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. If we remove a material feature of a tier you are paying for, or discontinue the Service, you may cancel under Section 10 and we will refund the unused portion of your then-current paid period.

23. Termination

• By you: stop using the Service and/or delete your account in Settings at any time. Deletion is never blocked by a subscription — you do not have to cancel first. Deleting an account with a web subscription cancels that subscription automatically; an App Store subscription must be cancelled with Apple (see Section 10.1), because we cannot cancel it for you.
• By us: we may suspend or terminate your access immediately for breach of these Terms, security risk, suspected fraud or unlawful use, chargeback or payment abuse, prolonged inactivity, or where required by law or by our providers. Where the reason is not urgent we will give notice and, when practicable, a chance to fix it. When we close an account for a breach of these Terms, its email address cannot be used to open a new account unless we agree to reopen it. Signing up with that address sends it a link to ask us, and a person reads every request.
• If we terminate without cause and you have an active paid subscription, we refund the unused portion of the then-current period.
• 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, 6, 12, 13, 14, 15.1, 18, 19, 24 through 28, and 31 — survive termination.

24. 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, ITS ANALYTICS, ITS PROJECTIONS, ITS BENCHMARKS, OR ANY AI OUTPUT WILL BE ACCURATE, COMPLETE, TIMELY, SECURE, UNINTERRUPTED, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. NO ADVICE OR INFORMATION, ORAL OR WRITTEN, OBTAINED FROM US OR THROUGH THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

25. 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, GAMBLING LOSSES, TAX CONSEQUENCES, MISSED OPPORTUNITIES, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING FROM OR RELATING TO THE SERVICE — INCLUDING RELIANCE ON ANY DATA, ANALYTICS, SIMULATION, BENCHMARK, 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 ONE HUNDRED U.S. DOLLARS ($100) 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 — INCLUDING LIABILITY FOR FRAUD, FRAUDULENT MISREPRESENTATION, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR PERSONAL INJURY — AND WHERE A JURISDICTION LIMITS EXCLUSIONS, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED. THE ALLOCATION OF RISK IN THIS SECTION AND SECTION 24 IS AN ESSENTIAL BASIS OF THE BARGAIN AND IS REFLECTED IN THE PRICE.

26. Indemnification

You will defend, indemnify, and hold harmless NexTech Innovations LLC and its officers, members, employees, and agents from third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your misuse of the Service; (b) your violation of these Terms or applicable law; (c) your violation of any third party’s rights, including by connecting an account you were not authorized to access; or (d) Your Content. This does not apply to the extent a claim arises from our own breach, negligence, or misconduct. We will notify you of any claim, and we may assume the exclusive defense of any matter at our expense, in which case you agree to cooperate. You will not settle any matter in a way that imposes an obligation on us without our written consent.

27. Dispute Resolution: Arbitration & Class Waiver

27.1 Scope

This section applies to any dispute, claim, or controversy between you and us arising out of or relating to these Terms, the Privacy Policy, the Service, any marketing of it, or our relationship — whether based in contract, tort, statute, fraud, misrepresentation, or any other theory, and whether arising before, during, or after these Terms end. It does not apply to the exceptions in Section 27.4. The Federal Arbitration Act governs its interpretation and enforcement.

27.2 Informal resolution comes first

Before starting an arbitration or a small-claims case, the complaining party must send the other a written Notice of Dispute. Yours goes to support@networth.nexus and to the postal address in Section 32; ours goes to the email on your account. It must include the sender’s name, account email, mailing address, a description of the claim, the specific relief sought, and a signature. Both sides will negotiate in good faith for 60 days from receipt, and either may request an individual telephone settlement conference. The 60-day period tolls any applicable limitations period. Completing this step is a condition precedent to filing, and a court or arbitrator may enforce it. Most problems end here.

27.3 Binding individual arbitration

If informal resolution fails, the dispute will be finally resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at adr.org. If the AAA is unwilling or unable to administer the dispute consistent with this section, the parties will agree on another established administrator, or a court of competent jurisdiction will appoint one. The arbitration is before a single arbitrator. The seat is New York County, New York, but you may elect to have any hearing held in the federal judicial district where you live, by telephone or video, or — where the rules allow and the claim permits — on documents alone. The arbitrator may award any relief a court could award to that individual claimant, including statutory damages and attorneys’ fees where a statute provides them, and must issue a reasoned written award. Judgment on the award may be entered in any court of competent jurisdiction.

The arbitrator decides all issues, except that a court — not an arbitrator — decides (a) whether this arbitration agreement or the class waiver in Section 27.5 is enforceable, and (b) the scope of the exceptions in Section 27.4.

27.4 Exceptions

Either party may, without arbitrating:

• bring an individual claim in small-claims court, if it qualifies and stays there;
• seek injunctive or equitable relief in court to stop infringement or misuse of intellectual property or to protect the security of the Service;
• bring an individual action alleging sexual assault or sexual harassment, which federal law makes non-arbitrable at the claimant’s election.

27.5 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, PRIVATE-ATTORNEY-GENERAL, OR REPRESENTATIVE PROCEEDING — AND EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL. THE ARBITRATOR MAY NOT CONSOLIDATE OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING. If the class waiver is held unenforceable as to a particular claim or particular relief, that claim or relief (and only that claim or relief) is severed and proceeds in court under Section 28, and the rest stays in arbitration.

27.6 Fees and coordinated filings

Arbitration fees are allocated under the AAA consumer rules, which cap what a consumer pays; where those rules require us to bear the balance, we will. We will not seek our attorneys’ fees from you unless the arbitrator finds your claim or the relief sought frivolous or brought for an improper purpose. If 25 or more substantially similar demands are filed against us by or with the coordination of the same counsel, the parties will ask the administrator to apply its mass-arbitration or multiple-case-filing procedures, including staged batching, so the cases are resolved efficiently and fairly; limitations periods are tolled for unbatched claimants while batching proceeds. This paragraph does not limit anyone’s right to bring an individual claim.

27.7 30-day opt-out

You may reject this arbitration agreement by emailing support@networth.nexus with the subject “Arbitration Opt-Out,” stating your name, account email, and that you opt out — within 30 days of first accepting these Terms (or, for a materially changed version of this Section 27, within 30 days of that change taking effect). Opting out is free, will not affect your account or how we treat you in any way, and does not affect any other section of these Terms. If you opt out, Section 28 governs.

27.8 Time limit

To the extent permitted by law, any claim must be filed within one (1) year after the claimant knew or should have known of the facts giving rise to it, or it is permanently barred. This does not shorten any period that applicable law forbids shortening.

27.9 Survival and severability

This Section 27 survives termination of these Terms and closure of your account. If any part of it other than the class waiver is found unenforceable, that part is severed and the rest remains in effect.

28. 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 by the Federal Arbitration Act as to Section 27. For any matter 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 personal jurisdiction and waive any objection based on inconvenient forum. Nothing here deprives you of the protection of any mandatory consumer law of your home state that cannot be waived by agreement.

29. Changes to These Terms

We may revise these Terms at any time. For material changes we will give reasonable advance notice — in-app, by email, or by posting on this page with a new effective date — and, where the change affects your subscription price or another material subscription term, the specific notice described in Section 9.6. Changes apply prospectively only; they do not apply to any dispute of which we had notice before the effective date. Continued use after the effective date is acceptance. If you do not agree, stop using the Service, cancel any subscription, and delete your account — that is your remedy for a change you do not accept.

Each version of these Terms carries a version identifier, and the version you accepted is recorded with your account. When we publish a materially changed version, the app asks you to accept it before you continue.

30. Apple App Store Terms

These additional terms apply to the iOS application and control over any conflicting term for that app only:

• These Terms are between you and NexTech Innovations LLC, not Apple. Apple is not a party to them.
• Your license to the iOS app is a non-transferable license to use it on Apple-branded devices you own or control, as permitted by the App Store Terms of Service.
• Apple has no obligation to furnish any maintenance or support for the app. Direct all support questions to support@networth.nexus.
• To the maximum extent permitted by law, Apple has no warranty obligation for the app. If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price; beyond that, Apple has no other warranty obligation.
• Apple is not responsible for addressing any claim by you or a third party relating to the app, including product-liability claims, claims that the app fails to conform to a legal or regulatory requirement, and claims under consumer-protection or privacy law.
• If a third party claims the app infringes their intellectual property, Apple is not responsible for the investigation, defense, settlement, or discharge of that claim.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and are not on any U.S. Government restricted-party list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms as to the iOS app and may enforce them against you.
• App Store subscriptions, renewals, refunds, and cancellations are governed by Apple’s terms and processed by Apple, as described in Sections 9.4 and 10.

31. Miscellaneous

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service, superseding prior agreements and understandings on the subject.
• Severability. If a provision is held unenforceable, it is modified to the minimum extent necessary to be enforceable, or severed if it cannot be, and the rest remains in effect.
• No waiver. Failure or delay in enforcing a provision is not a waiver of it or of any other provision.
• Assignment. You may not assign or transfer these Terms or your account; any attempt is void. We may assign them in connection with a merger, acquisition, financing, or sale of assets, with notice to you.
• No third-party beneficiaries, except Apple as stated in Section 30.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control, including provider outages, internet and cloud failures, cyberattacks, labor disruption, and acts of government or nature.
• Relationship. Nothing here creates a partnership, joint venture, agency, or employment relationship.
• Interpretation. Headings are for convenience only. “Including” means “including without limitation.” These Terms will not be construed against the drafter.
• Notices. We may notify you via the Service or the email address on your account, effective when sent. Legal notices to us must go to the address in Section 32 and are effective on receipt.

32. Contact & Legal Notices

NexTech Innovations LLC
3 E Evergreen Rd Ste 101 PMB 270
New City, NY 10956, United States

Support, privacy requests, legal notices, Notices of Dispute, arbitration opt-outs, and DMCA notices all reach us at support@networth.nexus. Put the subject (“Privacy request,” “Arbitration Opt-Out,” “DMCA”) in the subject line so it is routed and answered on time.

Questions about these Terms are welcome — plain-language answers are a product value. New York residents may also contact the New York State Attorney General’s Bureau of Consumer Frauds and Protection, and any user may contact the Federal Trade Commission at reportfraud.ftc.gov.