Terms of Service
Last Updated: November 1, 2025
Table of Contents
1. Acceptance of Terms
By accessing or using Notwerth ("Service", "Platform", "we", "us", "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms constitute a legally binding agreement between you and Notwerth. By creating an account or using any part of our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
2. Description of Service
Notwerth is a free personal finance planning platform that provides tools to help users:
- Track net worth by monitoring assets and liabilities
- Plan for retirement with calculators and projection tools
- Manage budgets and track expenses
- Connect bank accounts via Plaid for automatic data synchronization
- Track real estate properties, mortgages, and investments
- Calculate tax planning scenarios
The Service is provided "as is" and may be modified, updated, or discontinued at any time without notice.
3. Eligibility
You must meet the following requirements to use Notwerth:
- You must be at least 18 years of age
- You must have the legal capacity to enter into binding contracts
- You must not be prohibited from using the Service under applicable laws
- You must provide accurate and complete registration information
By using the Service, you represent and warrant that you meet all of these eligibility requirements.
4. User Accounts
Account Creation
To use certain features of Notwerth, you must create an account by providing:
- A valid email address (which serves as your username)
- A secure password
- Profile information as requested during registration
Account Security
You are responsible for:
- Maintaining the confidentiality of your password and account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized access or security breach
- Ensuring your account information remains accurate and up-to-date
We recommend enabling passkey authentication (FIDO2/WebAuthn) for enhanced account security.
Account Termination
You may delete your account at any time through your account settings. Upon deletion, your personal data will be removed within 30 days as described in our Privacy Policy.
5. Acceptable Use
You agree to use Notwerth only for lawful purposes and in accordance with these Terms. You agree NOT to:
- Use the Service in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to any part of the Service, other users' accounts, or connected systems
- Interfere with or disrupt the Service or servers/networks connected to the Service
- Use any automated means (bots, scrapers, etc.) to access the Service without our express written permission
- Reverse engineer, decompile, or disassemble any part of the Service
- Upload or transmit viruses, malware, or any other malicious code
- Impersonate any person or entity or misrepresent your affiliation
- Harass, abuse, or harm other users
- Use the Service to provide financial advice to others without proper licensing
- Attempt to bypass any security measures or access restrictions
6. User Content
Your Data
You retain all rights to the financial data and personal information you input into Notwerth. By using the Service, you grant us a limited license to store, process, and display your data solely for the purpose of providing the Service to you.
Data Accuracy
You are responsible for ensuring the accuracy of all data you input into the Service. We are not responsible for any inaccuracies in calculations or projections that result from incorrect data entry.
Backup and Export
While we regularly backup data, you are encouraged to export and maintain your own copies of important financial data. We provide data export functionality in your account settings.
7. Intellectual Property
The Service and its original content, features, and functionality are owned by Notwerth and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
Our trademarks, logos, and service marks displayed on the Service may not be used without our prior written consent.
You may not:
- Copy, modify, or create derivative works of the Service
- Distribute, transmit, or make the Service available to third parties
- Remove any copyright or proprietary notices
8. Third-Party Services
Plaid Integration
Our Service uses Plaid Inc. to connect to your financial institutions. Your use of Plaid is subject to Plaid's Terms of Service and Privacy Policy. We are not responsible for Plaid's services or any issues arising from their platform.
Social Authentication
If you choose to authenticate using Google or GitHub, you agree to their respective terms of service and privacy policies. We are not responsible for these third-party authentication services.
External Links
The Service may contain links to third-party websites. We do not endorse and are not responsible for the content, accuracy, or practices of these external sites.
9. Disclaimers
No Financial Advice
All information, tools, calculations, and projections provided by Notwerth are for educational and informational purposes only. They should not be construed as professional financial advice. You should consult with qualified financial, tax, and legal professionals before making any financial decisions.
No Guarantees
We do not guarantee:
- The accuracy, completeness, or reliability of any calculations, projections, or information
- That the Service will meet your specific requirements or expectations
- That the Service will be uninterrupted, timely, secure, or error-free
- That any errors or defects will be corrected
- Any specific financial outcomes or results from using the Service
Service "As Is"
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWERTH AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:
- Any indirect, incidental, special, consequential, or punitive damages
- Any loss of profits, revenue, data, or business opportunities
- Any financial losses resulting from decisions made based on information from the Service
- Any damages resulting from unauthorized access to your account or data
- Any damages arising from third-party services (including Plaid)
- Any damages resulting from service interruptions or data loss
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. Since the Service is currently free, this would be $0.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of these limitations may not apply to you.
11. Indemnification
You agree to indemnify, defend, and hold harmless Notwerth and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
- Your use or misuse of the Service
- Your violation of these Terms
- Your violation of any rights of another party
- Your violation of any applicable laws or regulations
- Any data or content you submit to the Service
12. Termination
By You
You may terminate your account at any time by deleting it through your account settings or by contacting us.
By Us
We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including but not limited to:
- Violation of these Terms
- Fraudulent, abusive, or illegal activity
- Extended periods of inactivity
- Technical or security reasons
- Discontinuation of the Service
Effect of Termination
Upon termination:
- Your right to access and use the Service will immediately cease
- Your data will be handled according to our Privacy Policy
- All provisions of these Terms that should survive termination will remain in effect
13. Changes to Terms
We reserve the right to modify these Terms at any time. When we make changes, we will:
- Update the "Last Updated" date at the top of this page
- Notify you via email for material changes
- Display a notice on the Service for significant updates
Your continued use of the Service after any changes to these Terms constitutes acceptance of those changes. If you do not agree to the modified Terms, you must stop using the Service and delete your account.
We encourage you to review these Terms periodically.
14. Governing Law and Dispute Resolution
Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.
Dispute Resolution
Any disputes arising from these Terms or your use of the Service should first be addressed by contacting us directly. We will attempt to resolve the matter informally.
Arbitration
If informal resolution fails, you agree that any dispute will be resolved through binding arbitration in accordance with the rules of [Arbitration Organization], except where prohibited by law. You waive any right to a jury trial or to participate in a class action lawsuit.
Exceptions
Either party may seek injunctive relief in court for intellectual property infringement or violation of confidentiality obligations.
15. Miscellaneous
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Notwerth regarding the Service.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Waiver
Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.
Assignment
You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.
Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, labor disputes, or internet service provider failures.
16. Contact Information
If you have any questions about these Terms of Service, please contact us:
By using Notwerth, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.