Terms of service

Effective date: October 10, 2026. Last updated: October 10, 2026.

1. Acceptance of these terms

These Terms of Service ("Terms") are a binding agreement between you and Software Secrets LLC, a Utah limited liability company with offices at 155 31st Street, Ogden, UT 84401, United States ("NetWorthCalculator.com," "we," "us" or "our"). They govern your use of the website at networthcalculator.com, the NetWorthCalculator.com web application, and the NetWorthCalculator.com mobile applications for iOS and, when released, Android (together, the "Service").

By using the Service you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

Eligibility

You must be at least 18 years old and able to form a binding contract to create an account. The Service is for your personal use in tracking your own finances (or finances you are legally entitled to manage, such as a spouse's or a dependent's with their consent). If you use the Service on behalf of a business or trust, you represent that you have authority to bind it to these Terms.

2. The Service

NetWorthCalculator.com lets you record assets and liabilities, calculates your net worth, keeps a history of how it changes, and, on paid plans, refreshes balances automatically from financial institutions you connect through Plaid. Features vary by plan and platform and are described on our website and in the apps at the time you choose a plan.

Not financial advice

The Service is a calculator and record-keeping tool. The figures it shows are computed from the data you enter or that your institutions report, and they are only as accurate and current as that data. Nothing in the Service is financial, investment, tax, accounting, legal or lending advice, and we are not a bank, broker, lender, financial advisor or fiduciary. Net worth figures, trends, projections, goal estimates and comparisons (such as net worth by age) are informational and may not reflect the market value of your assets, the payoff amount of your debts, or what a lender would accept. Consult a qualified professional before making financial decisions, and verify any figure independently before relying on it.

Changes to the Service

We may add, change, limit or remove features, change plan contents, or discontinue the Service or any part of it. We will use commercially reasonable efforts to notify you of changes that materially reduce what you have paid for, and if we discontinue a paid plan we will refund the unused portion of any prepaid period.

Technical requirements

You need a compatible device and an internet connection to use the Service. Supported browsers and operating-system versions may change over time.

3. Accounts

You sign in with Apple, Google or an email link managed by Firebase Authentication. You agree to provide accurate information, keep your sign-in method and device secure, and tell us promptly at support@networthcalculator.com if you suspect unauthorized access. You are responsible for activity under your account until you notify us.

If you sign in with a StatementsReady account, both services are provided by Software Secrets LLC, and your eligible StatementsReady plan may include NetWorthCalculator.com Plus as described on our pricing page. StatementsReady has its own terms, which govern that product.

Deleting your account

You may delete your account at any time in the app under Settings → Delete account, or by emailing us. Deletion permanently removes your account and data as described in the Privacy Policy. Deleting your account does not cancel a subscription bought through the App Store or Google Play. You must cancel those with Apple or Google (see Sections 5 and 6) or you will continue to be charged.

4. Bank connections and third-party services

Bank and brokerage connections are provided by Plaid Inc. By connecting an account you authorize Plaid to access your account information at the institution and to share with us the data described in our Privacy Policy, and you authorize us to store and refresh that data to provide the Service. You also agree to Plaid's End User Privacy Policy.

Connections are read-only. Neither we nor Plaid can move money or change anything at your institution.
You must have the right to connect each account. Do not connect accounts you are not authorized to access.
Institutions, Plaid and networks can fail, change, or return stale or incorrect data. We are not responsible for errors, delays or gaps caused by third parties, and you remain responsible for verifying your figures.
Institution availability depends on Plaid's coverage and may change. Where an institution is unavailable, you can enter balances manually.
You may disconnect any account at any time in the app or at my.plaid.com.

Other third-party services we rely on (hosting, payments, analytics, crash reporting) are listed in the Privacy Policy. Their terms govern your relationship with them where applicable.

5. Plans, billing, cancellation and refunds

Plans

Manual tracking is free. Paid plans (currently "Essentials" and "Plus") are sold as auto-renewing monthly or annual subscriptions. The features, limits, price and renewal period of each plan are shown before you buy. Prices are in U.S. dollars unless stated otherwise and may vary by platform and region. Joining the launch list does not start a trial or a subscription.

Billing and auto-renewal

When you subscribe you authorize us (for web purchases, through Stripe) or Apple or Google (for app-store purchases) to charge your payment method at the start of each period. Your subscription renews automatically at the then-current price until you cancel. You can cancel at any time; cancellation takes effect at the end of the current period and you keep access until then. If a charge fails we may retry it, and we may downgrade your account to the free plan if payment is not received within 14 days.

Free trials

If a plan offers a free trial, the trial length, the price after the trial and the renewal terms are shown before you start it. You will be charged when the trial ends unless you cancel at least 24 hours before. If you cancel during the trial, paid features stop at the end of the trial. One trial per person.

Price changes

We may change prices. If you have an active subscription we will give you at least 30 days' notice by email before a price increase takes effect, and the new price will apply only from your next renewal after that notice. If you do not accept the increase, cancel before the renewal.

Refunds for web purchases

If you bought your subscription on networthcalculator.com, you may request a full refund within 30 days of the first charge by emailing support@networthcalculator.com. No reason is needed. After 30 days, and for renewals, fees are non-refundable except where the law requires otherwise. Refunds are returned to the original payment method within 5 to 10 business days. When a refund is issued your account returns to the free plan; your data stays in your account.

Refunds for App Store and Google Play purchases

Subscriptions bought in the mobile apps are sold by Apple or Google under their terms, and refunds are handled by them, not by us. Apple: reportaproblem.apple.com. Google: Google Play refund help.

Taxes

Prices exclude taxes unless stated. Where we or the app store are required to collect sales tax, VAT or similar taxes, they are added at checkout.

6. Apple App Store auto-renewable subscription terms

These terms apply to subscriptions purchased in the iOS app and control over Section 5 if they conflict.

The subscription title, length, price per period, and what you receive are shown on the in-app purchase screen before you confirm.
Payment is charged to your Apple Account at confirmation of purchase, or at the end of any free trial.
The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your Apple Account is charged for renewal within 24 hours before the current period ends, at the price shown at purchase or as later disclosed by Apple.
You can manage or cancel in your device settings (Settings → [your name] → Subscriptions). Cancelling stops future renewals; the current period is not refunded by us.
Any unused portion of a free trial is forfeited when you purchase a subscription.
All digital features in the iOS app are purchased only through Apple's in-app purchase system.

7. Your data and our intellectual property

Your content

You own the data you enter or sync into the Service ("Your Content"). You grant Software Secrets LLC a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, back up and display Your Content solely to operate, secure, support and improve the Service. This license ends when you delete the content or your account, except for routine backups removed on their normal schedule and records we must keep by law. We may use information derived from Your Content in de-identified, aggregated form (for example, average balances by age range) provided it cannot reasonably identify you. We do not sell Your Content or use it for advertising.

Export

You can export Your Content from the app in a standard file format at any time.

Our property

The Service, including its software, design, text, graphics, logos and the NetWorthCalculator.com name, is owned by Software Secrets LLC or its licensors and is protected by copyright, trademark and other laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service. You may not copy, modify, distribute, sell, rent, reverse engineer or create derivative works from the Service, remove proprietary notices, or use the Service to build a competing product, except where the law permits.

Feedback

If you send us ideas or suggestions, we may use them without obligation or payment to you.

8. Acceptable use

You agree not to:

Break any law, or use the Service for fraud, money laundering, or to misrepresent your finances to a lender or anyone else.
Connect accounts or enter data you are not authorized to access or use.
Access another person's account or share your own.
Scrape, crawl, bulk-download or use automated tools against the Service without our written permission.
Probe, bypass or interfere with security, rate limits or access controls, or upload malicious code.
Resell, sublicense or offer the Service to third parties.
Interfere with other users' use of the Service.

We may investigate violations, remove content, suspend or terminate accounts, and cooperate with law enforcement.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, SOFTWARE SECRETS LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT ANY FIGURE, BALANCE, VALUATION, TREND OR PROJECTION IT DISPLAYS IS ACCURATE, COMPLETE OR CURRENT. YOU USE THE SERVICE AT YOUR OWN RISK. Some jurisdictions do not allow these exclusions, so some may not apply to you.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SOFTWARE SECRETS LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, INVESTMENT LOSSES, LOST DATA, OR DECISIONS MADE IN RELIANCE ON THE SERVICE, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR $100.

These limits do not apply to liability that cannot be limited by law, including for gross negligence, willful misconduct, or death or personal injury caused by negligence, and they do not limit your non-waivable rights as a consumer.

11. Indemnification

You agree to defend, indemnify and hold harmless Software Secrets LLC and its officers, members, employees and agents from claims, damages, losses and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or applicable law, your misuse of the Service, Your Content, or your infringement of any third party's rights. This does not apply to claims caused by our own gross negligence, willful misconduct or violation of law.

12. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms and do not cure the breach within 10 days of notice (or immediately for fraud, illegal activity, security threats or where the law requires), if your payment remains unpaid 30 days after notice, or if we discontinue the Service. On termination your license ends, and we may delete your data after 30 days unless the law requires us to keep it. Sections 7, 9, 10, 11, 13, 14 and 15 survive termination.

13. Dispute resolution and arbitration

Please read this section carefully. It affects your rights.

Talk to us first

Before starting any formal proceeding, send a written description of the dispute and the relief you seek to support@networthcalculator.com or the mailing address above. We will respond within 30 days and both sides will try in good faith to resolve the matter for 60 days from your notice.

Binding arbitration

If we cannot resolve it informally, you and Software Secrets LLC agree that any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator. The Federal Arbitration Act governs this section. Arbitration will take place in Salt Lake County, Utah, or by video or telephone if you prefer, and the arbitrator may award any relief a court could award to you individually. We will pay the AAA filing and arbitrator fees for claims under $10,000 unless the arbitrator finds the claim frivolous.

Exceptions

Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to stop unauthorized use or infringement of intellectual property.

Class action and jury waiver

Claims may be brought only on an individual basis, not as a plaintiff or class member in any class, consolidated or representative proceeding, and the arbitrator may not consolidate claims of different users. To the extent a claim proceeds in court, both parties waive trial by jury.

30-day opt-out

You may opt out of this arbitration agreement by emailing support@networthcalculator.com within 30 days of first accepting these Terms, with your name, the email on your account, and a statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

Consumers outside the United States

If you live outside the United States, nothing in this section or Section 14 deprives you of mandatory consumer protections of your country, including any non-waivable right to bring proceedings in your local courts under your local law.

14. Governing law and venue

These Terms are governed by the laws of the State of Utah and applicable U.S. federal law, without regard to conflict-of-law rules. Subject to Section 13, any court proceeding will be brought exclusively in the state or federal courts located in Salt Lake County, Utah, and you consent to their jurisdiction.

15. Apple-required terms (iOS app)

These terms apply if you obtained the NetWorthCalculator.com app from the Apple App Store and are required by Apple Inc. ("Apple"). They supplement the rest of these Terms.

Acknowledgment. These Terms are between you and Software Secrets LLC only, not Apple. Apple is not responsible for the app or its content. Software Secrets LLC, not Apple, is solely responsible for the app.
Scope of license. Your license to the app is non-transferable and limited to use on Apple-branded devices you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the app may be accessed by other accounts associated with you through Family Sharing or volume purchasing.
Maintenance and support. Software Secrets LLC is solely responsible for maintenance and support of the app. Apple has no obligation to provide any.
Warranty. Software Secrets LLC is solely responsible for any product warranties, express or implied, to the extent not disclaimed. If the app fails to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price of the app, if any. To the maximum extent permitted by law, Apple has no other warranty obligation, and any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to a warranty are Software Secrets LLC's sole responsibility.
Product claims. Software Secrets LLC, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your use of it, including product liability claims, claims that the app fails to conform to a legal or regulatory requirement, and claims under consumer protection, privacy or similar laws.
Intellectual property. If a third party claims the app infringes its intellectual property rights, Software Secrets LLC, not Apple, is solely responsible for the investigation, defense, settlement and discharge of the claim.
Legal compliance. 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 that you are not on any U.S. Government list of prohibited or restricted parties.
Third-party terms. You must comply with applicable third-party terms when using the app, including your wireless carrier's.
Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms and, on your acceptance, may enforce them against you.
Developer contact. Questions, complaints or claims about the app go to Software Secrets LLC, 155 31st Street, Ogden, UT 84401, United States, email support@networthcalculator.com, telephone 801-644-1361.

16. General

Changes to these Terms. We may update these Terms. For material changes we will give at least 30 days' notice by email or in the app before they take effect. Continued use after the effective date is acceptance; if you do not agree, cancel and stop using the Service before then. Changes to Section 13 do not apply to disputes you notified us of before the change.
Electronic communications. You agree to receive notices, receipts and disclosures electronically at the email on your account or in the app, and that they satisfy any requirement that communications be in writing.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service and replace any prior agreements.
Severability. If a provision is unenforceable it will be enforced to the maximum extent permitted and the rest remains in effect. If the class action waiver is found unenforceable as to a claim, that claim will be heard in court, not arbitration.
No waiver. Our failure to enforce a provision is not a waiver of it.
Assignment. You may not assign these Terms. We may assign them to an affiliate or a successor to the Service, with notice to you.
Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control, including outages at institutions, Plaid, app stores, hosting providers or networks.
Export. You may not use the Service in violation of U.S. export laws.

17. Contact

Email: support@networthcalculator.com
Phone: 801-644-1361
Mail: Software Secrets LLC, Attn: Legal, 155 31st Street, Ogden, UT 84401, United States