1. Acceptance of Terms

By creating an account, accessing, or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms or the Privacy Policy, you must not use the Service.

2. Conditions of Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are responsible for all data you input into the Service and for maintaining the confidentiality of your account credentials.

You agree not to use the Service:

• In any way that violates any applicable national or international law or regulation.
• To transmit, or procure the sending of, any advertising or promotional material not authorized by us.
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity.
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which, as determined by us, may harm the Company or users of the Service or expose them to liability.

3. User Accounts

To access and use the Service, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Financial Data & Service Nature

NetWorth Navigator allows you to input and track personal financial data. You acknowledge that the accuracy of the calculations and insights provided by the Service depends on the accuracy of the data you input.

THE SERVICE IS FOR INFORMATIONAL AND ORGANIZATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE. We are not a financial advisor, planner, broker, or tax advisor. All decisions based on information presented through the Service are your sole responsibility. You should consult with qualified professionals before making financial decisions.

5. Data Ownership and Control

You retain full ownership of the financial data and personal information you input into the Service ("User Data"). We do not claim any ownership rights over your User Data. You grant us a limited license to use, store, and process your User Data solely for the purpose of providing and improving the Service to you.

6. Data Privacy and Security

Your privacy is important to us. Our collection and use of personal information in connection with the Service is described in our Privacy Policy, which is incorporated by reference into these Terms.

We implement reasonable technical and organizational measures designed to secure your User Data from accidental loss and from unauthorized access, use, alteration, or disclosure. Your data is stored using Firebase services, which employ their own security measures. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your User Data for improper purposes. You acknowledge that you provide your User Data at your own risk.

7. Marketing Communications

By creating an account and agreeing to our terms, you may also be given the option to consent to receive marketing communications from us. If you provide this consent, we may use your email address to send you information about our Service, new features, special offers, tips, and other content we believe may be of interest to you.

We are committed to protecting your privacy. We will not sell your personal data, including your email address, to third parties for their marketing purposes.

You can opt-out of receiving marketing emails at any time by following the unsubscribe link provided in any marketing email you receive from us, or by adjusting your communication preferences in your account settings (if available), or by contacting us directly at the email address provided in Section 14 (Contact Details). Please note that even if you opt-out of marketing communications, we may still send you transactional or administrative messages related to your account and use of the Service (e.g., password resets, service announcements).

8. Intellectual Property

The Service and its original content (excluding User Data), features, and functionality are and will remain the exclusive property of VITAL VENTURES HOLDINGS PTY LTD and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks may not be used in connection with any product or service without our prior written consent.

9. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall VITAL VENTURES HOLDINGS PTY LTD, its affiliates, directors, employees, or agents, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

11. Changes to the Service or Terms

We reserve the right to withdraw or amend our Service, and any service or material we provide via the Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Service is unavailable at any time or for any period.

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Service following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

12. Business Changes (e.g., Acquisition, Merger)

In the event that VITAL VENTURES HOLDINGS PTY LTD or substantially all of its assets are acquired by a third party, your User Data may be one of the assets transferred. We will endeavor to provide you with notice before your User Data is transferred and becomes subject to a different privacy policy or terms of service. However, you acknowledge that such transfers may occur, and that any acquirer of VITAL VENTURES HOLDINGS PTY LTD or its assets may continue to use your User Data as set forth in these Terms and our Privacy Policy at the time of acquisition.

We commit not to sell your identifiable User Data to third-party marketers without your explicit consent, outside of a full business acquisition context as described above. Should there be any plans for such a sale, you would be notified and given options regarding your data, including the option to delete your account and data, subject to applicable laws.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions.

14. Contact Details

For support, complaints or feedback:

Email: contact@vitalventures.com.au

Vital Ventures Holdings Pty Ltd

Website: https://www.networthnavigator.com.au