Terms of Service

1. Acceptance of Terms

By accessing and using NetWorthCurve.com (the "Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Website.

We reserve the right to modify these Terms at any time. Your continued use of the Website following any changes indicates your acceptance of the modified Terms. Please review these Terms periodically for updates.

2. Description of Service

NetWorthCurve.com provides free, web-based financial calculation tools including:

• Net worth calculator (balance sheet generator)
• Compound interest and wealth projection calculator
• Multi-currency financial modeling
• Educational content about wealth management

All calculations are performed client-side within your web browser. We do not provide financial advice, investment recommendations, or professional financial services.

3. Disclaimer of Financial Advice

Specifically:

• Projections are hypothetical scenarios based on user inputs and do not account for all real-world variables.
• Past performance does not guarantee future results.
• All investments carry risk of loss, including potential loss of principal.
• Inflation, taxes, fees, and market volatility may significantly impact actual returns.
• Individual financial circumstances vary, and general tools may not apply to your specific situation.

You should consult with licensed financial advisors, tax professionals, and legal counsel before making any significant financial decisions.

4. User Responsibilities

By using this Website, you agree to:

• Use the Website only for lawful purposes
• Not attempt to interfere with or disrupt the Website's operation
• Not attempt to gain unauthorized access to our systems
• Not use automated systems to access the Website without permission
• Verify any calculations before relying on them
• Seek professional advice for financial decisions

5. Intellectual Property

The Website, including its design, text, graphics, logos, and software, is the property of NetWorthCurve.com and is protected by intellectual property laws. You may:

• Access and use the Website for personal, non-commercial purposes
• Share links to the Website
• Reference the Website in non-commercial educational contexts

You may not:

• Copy, reproduce, or redistribute Website content without permission
• Modify or create derivative works based on the Website
• Use the Website for commercial purposes without authorization
• Remove or alter any proprietary notices

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NETWORTHCURVE.COM AND ITS OWNERS, OPERATORS, AFFILIATES, AND PARTNERS SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, income, or data
• Financial losses resulting from reliance on Website calculations or content
• Damages resulting from errors, inaccuracies, or omissions in calculations
• Damages resulting from unauthorized access to your device or data
• Any damages arising from your use or inability to use the Website

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED $100 USD.

Some jurisdictions do not allow limitations on implied warranties or exclusions of liability for consequential damages. The above limitations may not apply to you to the extent prohibited by applicable law.

7. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, CALCULATIONS, AND TOOLS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF CALCULATIONS

We do not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

8. Third-Party Links and Advertisements

The Website may contain links to third-party websites or display third-party advertisements. We are not responsible for the content, accuracy, or practices of any third-party sites or advertisers. We encourage you to review the terms and privacy policies of any third-party sites you visit.

9. Indemnification

You agree to indemnify, defend, and hold harmless NetWorthCurve.com and its owners, operators, affiliates, and partners from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of another party
• Any financial decisions you make based on Website content

10. Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice. We shall not be liable for any modification, suspension, or discontinuation of the Website.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and NetWorthCurve.com regarding use of the Website and supersede any prior agreements.

13. Contact Information

For questions about these Terms of Service, please contact us: