Terms of Service

1. Acceptance of Terms

By accessing or using Nova Net Worth ("Nova", "the Service"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

Nova provides a personal finance management platform that helps you:

• Track net worth across multiple asset classes
• Connect to 20,000+ financial institutions via Plaid
• Analyze spending and create budgets
• Set and monitor financial goals
• Receive AI-powered financial insights

3. User Accounts

Account Creation

• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must be at least 18 years old
• One account per person

Account Security

• You are responsible for all activity under your account
• Notify us immediately of unauthorized access
• Use a strong, unique password
• Enable multi-factor authentication (recommended)

5. Subscriptions & Billing

Free Trial

Nova offers a 30-day free trial for new users. During the trial you have full access to all features. No credit card is required to start your trial. At the end of the trial period, you may choose a paid plan to continue using premium features.

Pricing

Nova offers the following subscription plans:

• Nova: $9.99/month — core net worth tracking, budgeting, and financial goal features
• SuperNova: $19.99/month — everything in Nova, plus AI-powered insights, advanced analytics, and priority support

Prices are in USD and may change with 30 days' notice. Current subscribers are grandfathered at their existing rate for 12 months after any price change.

Billing & Renewals

• Subscriptions renew automatically each month unless canceled
• Payments are processed securely through Stripe
• You can cancel anytime from your account settings — no cancellation fees
• Cancellation takes effect at the end of your current billing cycle

Refunds

If you are unsatisfied with Nova, contact us within 30 days of a charge for a full refund. After 30 days, refunds are issued at our discretion. Reach out to legal@novanetworth.com for refund requests.

6. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Reverse engineer or copy our software
• Use automated tools to scrape or download data
• Share your account with others
• Upload false or misleading information
• Interfere with other users' use of the Service

7. Intellectual Property

The Service, including its design, code, features, and content, is owned by Nova and protected by copyright, trademark, and other laws. You may not copy, modify, distribute, or create derivative works without our permission.

Your data remains yours. We claim no ownership over your financial information.

8. Service Availability

We strive for 99.9% uptime but cannot guarantee uninterrupted service. We may:

• Perform maintenance with advance notice when possible
• Modify or discontinue features with reasonable notice
• Suspend service to comply with legal requirements

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Nova is provided "AS IS" without warranties of any kind
• We are not liable for financial decisions based on our data
• We are not responsible for data errors from third parties
• Our liability is limited to the amount you paid us (if any)
• We are not liable for indirect, consequential, or punitive damages

10. Termination

Either party may terminate this agreement:

• You: Delete your account anytime in Settings
• Us: For violations of these terms or illegal activity

Upon termination, your data will be deleted within 30 days.

11. Governing Law & Dispute Resolution

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

Arbitration Agreement

Any disputes arising from these terms or your use of the Service shall be resolved through:

• First: Good faith negotiation between the parties
• Second: Binding arbitration administered by the American Arbitration Association (AAA)
• Location: Arbitration shall be conducted in Delaware
• Rules: AAA Commercial Arbitration Rules

Exception: Either party may seek injunctive relief in court for intellectual property violations.

12. Contact Information

For questions about these terms: