1. Acceptance of these terms
These Terms of Service ("Terms") form a binding agreement between you and Garrett Makes It, LLC ("NetWorthy", "we", "us") governing your use of the NetWorthy web application and its API (the "Service"). By creating an account, checking the agreement box at signup, or otherwise using the Service, you agree to these Terms and to our privacy notice. If you do not agree, do not use the Service.
2. Eligibility and minimum age
You must be at least 18 years old to create an account. NetWorthy is a financial record-keeping product and these Terms are a contract; we do not knowingly collect personal information from anyone under 18. If we learn that an account belongs to someone under 18, we will close it and delete its data. By using the Service you represent that you meet this requirement and that the information you give us is accurate.
3. What NetWorthy is — and what it is not
NetWorthy is a personal-finance record: net worth, accounts, transactions, budgets, bills, goals, debt payoff planning, and optional investment tracking and financial education modules. It helps you see and organise your own money.
NetWorthy is read-only with respect to money movement. It cannot transfer funds, pay a bill, route an order, or move money in any direction. This is a structural property of the product, not a setting: the interfaces through which NetWorthy reads account data expose no method that could move money.
NetWorthy is not a bank, credit union, broker-dealer, investment adviser, money transmitter, tax preparer, or lender, and it is not a substitute for any of them. We hold no funds and no securities on your behalf.
4. Not financial, investment, tax, or legal advice
Everything the Service produces — projections, payoff schedules, savings ladders, emergency-fund coverage, calculator output, guides, documentation, and the education module — is general information and arithmetic performed on figures you supplied. It is not financial, investment, tax, or legal advice, it is not tailored to your circumstances, and nothing in the Service is a recommendation to buy, sell, or hold any specific security or to enter any specific transaction.
Market data, where shown, is provided by a third party, may be delayed, and may be inaccurate or incomplete. Consult a qualified professional before acting on anything you see here. You act on it at your own risk.
5. Your account and acceptable use
You are responsible for safeguarding your credentials and for activity under your account. Enable the security features we offer and tell us promptly if you believe your account has been compromised.
You agree not to:
- use the Service for any unlawful purpose, including money laundering or fraud;
- enter or upload data you have no right to hold, including another person's financial account information without their authority;
- attempt to gain unauthorised access to the Service, another member's data, or any system we or our providers operate;
- interfere with or disrupt the Service's integrity or performance;
- scrape, reverse-engineer, or resell the Service except to the extent that restriction is unenforceable under applicable law;
- misuse the community features — no harassment, no impersonation, no content that is illegal, infringing, or targeted at another member.
We may suspend or close an account that breaches these Terms or applicable law, or to protect other members or the Service.
6. Content you post, and moderation
The community features let you publish free text — a display name, a bio, a savings challenge, a comment. You keep ownership of what you write and grant us the licence needed to store and display it to the people you have chosen to show it to.
Reported content is reviewed. A report about a comment goes to the member whose surface it sits on; a report about text authored by the same member who owns it goes to a moderator instead, because handing that report back to its author would resolve nothing. Upholding a report hides the text; dismissing one leaves it standing. Financial data is never part of any community surface.
7. Connected accounts and third-party data
Where the Service lets you connect an outside source, that connection is read-only and revocable:
- Bank and brokerage connections. When an aggregation provider is available for your institution, connecting it lets NetWorthy read balances and transaction history. It never grants us the ability to move money. You may disconnect at any time, and doing so leaves the data already imported in your account.
- Cryptocurrency wallets. You may attach a public wallet address so a holding's balance is read from the chain. NetWorthy never accepts, stores, or asks for a private key or seed phrase, and no part of the Service could use one. Anyone asking you for one while claiming to be us is not us.
- Life OS links. If you connect another Garrett Makes It, LLC product, you authorise a specific, listed exchange of records at the point you approve it, and you can revoke that link at any time from your settings.
Your relationship with your bank, broker, or exchange is governed by your agreement with them, not by these Terms. We are not responsible for their availability, accuracy, or decisions.
8. Subscriptions, auto-renewal, cancellation, and refunds
The core product is free. Some modules require a paid subscription and are billed in advance on a recurring basis through Stripe, our payment processor. We never see or store your card number.
Auto-renewal. A paid subscription renews automatically at the end of each billing period at the then-current price, and your payment method is charged automatically, unless you cancel before the renewal date.
Cancellation. You may cancel at any time from your billing settings. Cancelling stops future renewals; you keep paid features until the end of the period you have already paid for. Your data stays in your account, and the free features keep working.
Refunds. Except where required by law, payments are non-refundable and the current period is not pro-rated on cancellation. We may change prices prospectively, with notice before the affected renewal.
9. Intellectual property
The Service, including its software, content, and marks, is owned by Garrett Makes It, LLC or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose. You keep ownership of the data and content you submit, and you grant us the licence needed to operate the Service and provide its features to you.
10. Copyright complaints (DMCA notice and takedown)
Garrett Makes It, LLC respects the intellectual property rights of others. Per the DMCA, we will respond expeditiously to claims of copyright infringement on the Service if submitted to our Copyright Agent as described below. Upon receipt of a notice alleging copyright infringement, we will take whatever action we deem appropriate within our sole discretion, including removal of the allegedly infringing materials and termination of access for repeat infringers of copyright-protected content.
If you believe that your intellectual property rights have been violated by us or by a third party who has uploaded materials to the Service, please provide the following information to the designated Copyright Agent listed below:
- a description of the copyrighted work or other intellectual property that you claim has been infringed;
- a description of where the material that you claim is infringing is located on the Service;
- an address, telephone number, and email address where we can contact you and, if different, an email address where the alleged infringing party, if not us, can contact you;
- a statement that you have a good-faith belief that the use is not authorized by the copyright owner or other intellectual property rights owner, by its agent, or by law;
- a statement by you, under penalty of perjury, that the information in your notice is accurate and that you are the copyright or intellectual property owner or are authorized to act on the owner's behalf; and
- your electronic or physical signature.
Garrett Makes It, LLC may request additional information before removing any allegedly infringing material. In the event we remove the allegedly infringing materials, we will immediately notify the person responsible for posting such materials that we removed or disabled access to the materials. We may also provide the responsible person with your email address so that the person may respond to your allegations.
Pursuant to 17 U.S.C. § 512(c), Garrett Makes It, LLC's designated Copyright Agent is Jonathan Bailey, CopyByte, 3157 Gentilly Blvd, Suite # 2254, New Orleans, LA 70122. Phone: 1-504-356-4555. Email: gmi-dmca@copybyte.com (please put "DMCA Notice: NetWorthy" in the subject line).
Counter-notification. If your content was removed or disabled and you believe this was a mistake or misidentification, you may send our designated agent a counter-notice that includes: (1) your physical or electronic signature; (2) identification of the material that was removed and the location where it appeared before removal; (3) a statement, under penalty of perjury, that you have a good-faith belief the material was removed as a result of mistake or misidentification; and (4) your name, address, and telephone number, together with a statement that you consent to the jurisdiction of the federal court for the judicial district in which your address is located (or, if outside the United States, any judicial district in which we may be found) and that you will accept service of process from the person who submitted the original notice or their agent. We may restore the removed material as permitted under 17 U.S.C. § 512(g).
Repeat infringers. We will, in appropriate circumstances, disable or terminate the accounts of users who are determined to be repeat infringers. Submitting a materially false notice or counter-notice may expose you to liability for damages under 17 U.S.C. § 512(f).
11. Disclaimers
The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, that imported or connected data will be complete or accurate, or that any financial outcome will be achieved. Some jurisdictions do not allow certain disclaimers, so parts of this section may not apply to you.
12. Limitation of liability
To the maximum extent permitted by law, Garrett Makes It, LLC and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of, or inability to use, the Service — including any financial decision you make on the basis of anything it shows you. Our total aggregate liability for any claim relating to the Service will not exceed the greater of the amount you paid us in the twelve months before the claim and USD 100. Nothing in these Terms limits liability that cannot be limited under applicable law.
13. Indemnification
You agree to indemnify and hold harmless Garrett Makes It, LLC and its affiliates from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, the data or content you submit, or your breach of these Terms or applicable law.
14. Governing law and dispute resolution
These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules.
Informal resolution first. Before starting any formal proceeding, contact us at garrett@garrettmakesit.com and allow 60 days for us to try to resolve the dispute informally.
Binding arbitration. If we cannot resolve a dispute informally, you and we agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Florida, rather than in court.
Class-action and jury-trial waiver. Disputes will be resolved only on an individual basis; you and we waive any right to a jury trial and to take part in a class, collective, or representative action.
Small-claims carve-out. Either party may instead bring a qualifying claim in small-claims court.
30-day opt-out. You may opt out of this arbitration agreement by emailing garrett@garrettmakesit.com within 30 days of first accepting these Terms. If you opt out, disputes will be resolved in the state and federal courts located in Florida.
Nothing in this section limits rights that cannot be waived under applicable law.
15. Changes to these Terms
We may update these Terms. Material changes will be communicated through the Service or by email, and the "Last updated" date above will change. Continuing to use the Service after a change takes effect means you accept the revised Terms. If you do not accept them, stop using the Service and cancel any subscription.
16. Contact
Questions about these Terms? Contact Garrett Makes It, LLC at support@networthy.app. We aim to reply within two business days. More about who we are is on the About page.
These Terms are general information and are not legal advice for your own situation.