Terms of Service

Last updated: June 15, 2026

These Terms may be updated. We will give notice of any material change as described in Section 18.

1. Introduction and acceptance

These Terms of Service ("Terms") are a binding agreement between you ("you", "your") and NettWorth ("NettWorth", "we", "us", "our"), governing your access to and use of the NettWorth application, websites, and related services (together, the "Service").

By creating an account, clicking "I agree", or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

If you are using the Service on behalf of your household (see Section 5), you confirm you have the authority to do so and accept these Terms for that use.

2. Definitions

  • "Content" means the financial data, documents, figures, statements, and other information you upload to or enter into the Service.
  • "Output" means analysis, summaries, extractions, and other material the Service generates from your Content, including AI-generated responses.
  • "Knowledge Graph" means NettWorth's proprietary structures, ontology, schema, models, and derived representations used to organise, enrich, and analyse Content. The Knowledge Graph is NettWorth's property (see Section 11).
  • "Subscription" means a paid plan giving access to the Service subject to the limits shown at signup or on our pricing page.

3. Eligibility

To use the Service you must:

  1. Be at least 18 years old, or the age of majority in your jurisdiction if higher;
  2. Be located in a jurisdiction where the Service is offered — currently the United States, the European Economic Area, the United Kingdom, Switzerland, and Singapore; and
  3. Not be a person with whom dealings are restricted under applicable sanctions or export-control laws, and not be located in a country or territory subject to comprehensive U.S. sanctions or embargoes.

We may add, restrict, or withdraw availability in any jurisdiction at any time.

4. Your account and security

You must provide accurate registration information and keep it current. You may hold one account per person. You are responsible for safeguarding your login credentials and for all activity that occurs under your account. You must notify us promptly at support@nettworth.ai if you suspect any unauthorised access. We are not liable for losses arising from your failure to keep your credentials secure.

Where the Service offers third-party single sign-on (for example, Google), your use of that sign-in method is also subject to that provider's terms. Signing in for the first time creates a NettWorth account and constitutes acceptance of these Terms.

5. Permitted use — personal and household

The Service is licensed to you for personal, non-commercial use to manage:

  1. your own financial affairs; and
  2. the financial affairs of your own household, including your spouse or partner and your own legal minor children, where you are lawfully entitled to manage those affairs.

You may not use the Service to manage the finances of any other person, to provide financial, advisory, or similar services to third parties, or for any commercial or white-label purpose. You are responsible for ensuring you have the right to enter any Content relating to members of your household.

6. What the Service is — and is not

The Service provides information, organisation, and analytical tools to help you understand your own financial situation and make your own decisions.

The Service does not provide financial, investment, tax, legal, accounting, or insurance advice, and nothing in the Service constitutes a recommendation to buy, sell, or hold any security or other financial product. NettWorth is not a registered investment adviser, broker-dealer, bank, tax preparer, accountant, or law firm, and is not acting in any fiduciary or advisory capacity. No advisory or fiduciary relationship is created by your use of the Service.

You are solely responsible for your financial decisions. Before acting on anything you see in the Service, you should consult a qualified, licensed professional regarding your specific circumstances.

7. AI features and automated output

The Service uses automated and artificial-intelligence systems, including third-party AI processors, to extract, organise, and analyse Content and to generate Output (including the "Sheldon" assistant and voice features).

You acknowledge and agree that:

  1. Output is informational and automated, may be incomplete, inaccurate, or out of date, and must not be relied upon as the sole basis for any financial, tax, or legal decision;
  2. Automated document reading and data extraction (OCR) may contain errors, and you are responsible for reviewing and confirming extracted figures before relying on them; and
  3. Output is provided "as is" and is subject to the disclaimers in Section 14.

8. Third-party services

The Service relies on third-party providers, including cloud-hosting, third-party AI processors, payment processing, and financial-data and account-aggregation providers. Your use of features that depend on those providers may be subject to their terms. We are not responsible for the acts, omissions, availability, or content of third-party services. The specific categories of providers we use are described in our Privacy Policy.

9. Subscriptions, trials, billing, and renewal

9.1 Plans and limits. Access to the Service is provided through a Subscription, subject to the plan-specific limits (such as document and AI-usage limits) and the prices shown at signup or on our pricing page. Those limits and prices form part of these Terms by reference and may change as described below.

9.2 Free trial. Each plan begins with a 15-day trial. If you cancel before the trial ends, you will not be charged.

9.3 Auto-renewal and authorisation. Unless you cancel, your Subscription automatically renews at the end of each term, and you authorise us (and our payment processor) to charge the applicable fees on a recurring basis. We do not store your full payment-card details.

9.4 Cancellation. You may cancel at any time in your account settings. Cancellation takes effect at the end of the current paid term, and you retain access until then.

9.5 Refunds. Other than the 15-day trial, fees are non-refundable, including for partial terms and unused capacity, except where a refund is required by applicable law (including mandatory consumer-protection rights in the EEA, the United Kingdom, and Switzerland).

9.6 Founding-cohort pricing. Where you joined under founding-cohort pricing, your rate is locked for the life of your account and will be honoured on renewal, subject to these Terms.

9.7 Price changes. We may change prices or plan limits. We will give you advance notice before the change applies to your next renewal, and you may cancel before it takes effect. Founding-cohort locked pricing is excepted.

9.8 Taxes. Prices are exclusive of VAT, GST, sales, and similar taxes, which will be added where applicable.

10. Your Content, data ownership, and your rights

10.1 You own your Content. As between you and NettWorth, you retain all ownership of your Content. We claim no ownership of it.

10.2 Licence you grant us. You grant NettWorth a limited, worldwide, non-exclusive, royalty-free licence to host, store, encrypt, process, analyse, and display your Content solely to operate and provide the Service to you, and for no other purpose. This licence lasts while your Content remains in your account, plus a short retention window of up to 30 days for backups and deletion processing.

10.3 What we will not do. We will not:

  1. use your Content to train or fine-tune any AI model, ours or any third party's;
  2. sell your Content to anyone, in any form; or
  3. pool or aggregate your Content with other users' data. NettWorth operates no peer benchmark, aggregate statistic, or cross-user comparison today. If we ever introduce any such capability, it will be designed so that individual data cannot be re-identified or reverse-engineered back to your portfolio, and we will publish the design before any such feature launches, consistent with our published commitments.

10.4 Export. You can export the Content you provided — your financial data — in a portable format (such as CSV or JSON) at any time from your account. This in-product export covers user-provided Content; it does not include NettWorth's derived or system-generated materials (such as the Knowledge Graph representation, internal analyses, embeddings, or assistant chat logs), which remain NettWorth's property (see Section 11).

10.5 Statutory data-subject requests. Separately from the in-product export, if you have rights under applicable data-protection law (such as the GDPR or CCPA), you may exercise them — including rights of access, correction, and deletion — by contacting privacy@nettworth.ai. Such requests are handled under our Privacy Policy and applicable law, which may entitle you to categories of personal data beyond the in-product export.

10.6 Deletion. You may delete your account and Content at any time. Following deletion, we will permanently delete your Content within 30 days, except for the minimum records we are required by law to retain (for example, for tax or regulatory purposes), as described in our Privacy Policy.

11. NettWorth intellectual property

The Service, including all software, the Knowledge Graph (its ontology, schema, models, and all derived representations of Content), "Sheldon" and other assistant features, the NettWorth name, logos, and trademarks, and the overall look and feel, is owned by NettWorth and its licensors and is protected by intellectual-property and trade-secret laws. The Knowledge Graph and the methods by which NettWorth organises and enriches Content are NettWorth's confidential trade secrets.

We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Service for the permitted use in Section 5. No other rights are granted. You may not remove or obscure any proprietary notices.

Feedback. If you send us suggestions or feedback, you grant us an unrestricted, perpetual, royalty-free right to use them without obligation or compensation to you.

12. Acceptable use

You agree not to, and not to permit anyone to:

  1. use the Service to facilitate or further any unlawful activity, including tax evasion, money laundering, sanctions evasion, or circumvention of KYC/AML requirements;
  2. reverse engineer, decompile, scrape, or attempt to extract the Service, the Knowledge Graph, or any underlying models, structures, or data, or otherwise attempt to derive NettWorth's proprietary methods;
  3. attempt to access another user's account or data, or probe, scan, or test the security of the Service without authorisation;
  4. upload third-party data you have no right to share, malware, or infringing or unlawful content;
  5. resell, sublicense, white-label, or use the Service to provide services to third parties; or
  6. abuse AI features, including attempting prompt injection to exfiltrate data or to generate unlawful content.

13. Suspension, reporting, and enforcement

We may suspend or terminate your access to the Service, in whole or in part, if you breach these Terms, fail to pay fees, or where required by law. Where we reasonably suspect unlawful activity (such as money laundering or sanctions evasion), we may suspend the account and, where legally required, report it to the relevant authorities.

14. Disclaimers

To the maximum extent permitted by law, the Service and all Output are provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any Output is accurate, complete, or current.

Nothing in these Terms excludes or limits any warranty or right that cannot be excluded or limited under applicable law, including mandatory consumer-protection rights in the EEA, the United Kingdom, and Switzerland.

15. Limitation of liability

To the maximum extent permitted by law:

  1. NettWorth will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, or financial loss arising from decisions you make using the Service or Output; and
  2. NettWorth's total aggregate liability arising out of or relating to the Service or these Terms will not exceed the amount of Subscription fees you actually paid for the then-current active Subscription term.

Nothing in this Section limits liability that cannot be limited under applicable law, including liability for fraud, gross negligence, wilful misconduct, or death or personal injury caused by negligence, or any mandatory consumer-protection rights in the EEA, the United Kingdom, and Switzerland.

16. Indemnification

You agree to indemnify and hold harmless NettWorth and its officers, employees, and agents from any claims, damages, liabilities, and reasonable expenses (including legal fees) arising out of your misuse of the Service, your Content, or your breach of these Terms, except to the extent caused by NettWorth.

17. Term and termination

These Terms apply while you use the Service.

17.1 By you. You may stop using and cancel the Service at any time in your account settings. Cancellation takes effect at the end of the current paid term (Section 9.4); no refund is due except as set out in Section 9.5.

17.2 By us, for cause. We may suspend or terminate immediately for breach, non-payment, or where required by law.

17.3 By us, otherwise. Apart from the for-cause grounds above, we will not terminate your account without cause except on at least 30 days' prior notice, during which you will retain the ability to export your Content (Section 10.4) before access ends.

17.4 Effect of termination. On termination, your licence to use the Service ends and we will delete your Content as described in Section 10.6. Sections that by their nature should survive (including 10.1, 11, 14, 15, 16, 18.2, 19, and 20) survive termination.

18. Changes to the Service and to these Terms

18.1 Changes to the Service. We may modify, add, or discontinue features of the Service over time.

18.2 Changes to these Terms and to our model — notice and your way out. We may update these Terms. For any material change — including any material change to how we make money, to pricing structure, or to the data commitments in Section 10 — we commit to:

  1. notify you in advance (by email and/or in-app);
  2. explain the rationale for the change; and
  3. give you a reasonable period before the change takes effect during which you may export your Content and delete your account if you do not wish to continue.

Each version of these Terms carries an effective date and version number. Material changes take effect only after the notice period and, where we ask for it, your renewed acceptance. Non-material changes take effect when posted. Continuing to use the Service after a change takes effect means you accept the updated Terms.

19. Assignment and change of control

You may not assign or transfer these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets, except that your Content does not automatically transfer with such a transaction. Any acquirer must either (a) affirm the commitments in Section 10 in writing as a condition of the transaction, or (b) the transaction will trigger a 90-day window during which you may export your Content and delete your account before any transfer of control of your Content takes effect.

20. Dispute resolution and governing law

20.1 Talk to us first. Before bringing any formal claim, you agree to contact us at legal@nettworth.ai and give us at least 60 days to resolve the dispute informally.

20.2 Governing law and venue. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules, and the courts located there will have jurisdiction, subject to Section 20.4.

20.3 Court, jury, and class-action waiver (where permitted). Disputes will be resolved in court (not arbitration). To the extent permitted by applicable law, you and NettWorth each waive any right to a jury trial and agree that claims may be brought only on an individual basis and not as a plaintiff or class member in any class or representative action.

20.4 Consumers in the EEA, UK, Switzerland, and California. If you are a consumer in the EEA, the United Kingdom, or Switzerland, nothing in this Section deprives you of the protection of mandatory laws of your country of residence, including your right to bring proceedings in your local courts; the governing-law choice in Section 20.2 and the waivers in Section 20.3 do not apply to you to the extent they conflict with those mandatory protections. California residents likewise retain any non-waivable rights under California law.

21. General

  • Severability. If any provision is found unenforceable, the rest remains in effect.
  • No waiver. Our failure to enforce a provision is not a waiver of it.
  • Force majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control.
  • Notices. We may give notice by email or in-app; you may give notice to legal@nettworth.ai.
  • Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and NettWorth regarding the Service and supersede prior agreements on that subject.
  • Language. The governing language of these Terms is English; any translation is for convenience only.

22. Contact

  • Legal notices: legal@nettworth.ai
  • General support: support@nettworth.ai
  • Privacy requests: privacy@nettworth.ai