1. Agreement to Terms

By accessing or using Net Worth Journal ("the Service"), operated by Anchorworth ("we", "our", or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Net Worth Journal is a personal finance tracking application that allows you to manually record and track your financial accounts, investments, properties, and other assets and liabilities. The Service provides tools for visualizing your net worth over time but does not connect to any financial institutions or provide automated data synchronization.

3. Not Financial Advice

The Service is a tracking tool only and does not provide financial, investment, tax, or legal advice. Any information displayed, including charts, calculations, and summaries, is based solely on data you enter and should not be relied upon for making financial decisions. We strongly recommend consulting with qualified financial professionals for any financial planning or investment decisions.

4. Account Registration

To use the Service, you must:

• Provide a valid email address for authentication
• Be at least 18 years of age or the age of majority in your jurisdiction
• Use the Service only for lawful purposes
• Maintain the security of your account by protecting access to your email

5. User Responsibilities

You are responsible for:

• The accuracy of all data you enter into the Service
• Maintaining the confidentiality of your account
• All activities that occur under your account
• Complying with all applicable laws and regulations

You agree not to use the Service to store, transmit, or process any illegal content or to engage in any activity that could harm the Service or other users.

6. Data Accuracy

The Service displays information based on data you manually enter. We do not verify the accuracy of this data. Any calculations, charts, or summaries are provided for informational purposes only and may contain errors if the underlying data is incorrect or incomplete.

7. Service Availability

We strive to provide reliable access to the Service but do not guarantee uninterrupted availability. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue the Service at any time.

8. Account Termination

You may delete your account at any time through the account settings. Upon deletion, all your data will be permanently removed.

We reserve the right to suspend or terminate accounts that violate these Terms or engage in abusive behavior, with or without notice.

9. Intellectual Property

The Service, including its design, features, and content (excluding user data), is owned by Anchorworth and protected by intellectual property laws. You retain ownership of all data you enter into the Service.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANCHORWORTH SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your use or inability to use the Service
• Any errors, mistakes, or inaccuracies in the Service
• Unauthorized access to or alteration of your data
• Any financial decisions made based on information displayed in the Service

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

12. Indemnification

You agree to indemnify and hold harmless Anchorworth from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by posting the updated Terms on this page. Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.

15. Contact

If you have any questions about these Terms, please contact us at support@anchorworth.com