Terms of service
Last updated September 3, 2026
These terms are the agreement between you and netwrth ("we", "us") for the service at netwrth.app. By creating an account or using the service you accept them.
The service
netwrth aggregates the balances of financial accounts you connect — via Plaid, a SimpleFIN token you bring, or manual entry — and tracks your net worth over time on a dashboard. It is a read-only view of your own data: netwrth never moves money and cannot initiate transactions.
Eligibility and your account
You must be at least 18 and able to enter a contract. You sign in with a Google or GitHub account; keep it secure, since anyone who controls it controls your netwrth account. You may only connect financial accounts you are authorized to access.
Plans, trial, and billing
- Base — free. New accounts start with a 30-day trial of up to 4 automatic bank logins (every account under each); when it ends, the bank login you connected first keeps syncing for as long as the account exists, and any others stop syncing (nothing is deleted from your history). Bring-your-own SimpleFIN syncing is included on every plan, Base included.
- Starter — up to 4 automatic bank logins (every account under each). $6 per month or $60 per year.
- Plus — up to 10 automatic bank logins (every account under each). $12 per month or $110 per year.
New accounts get a 30-day free trial with up to 4 bank logins (every account under each), no card required. When the trial ends the account continues on the Base plan described above; your data, dashboard, and history stay available. We may change what the Base plan includes for new accounts in the future; an existing account keeps the login it already has.
Payments are processed by Stripe. Subscriptions renew automatically until canceled. Plan changes prorate immediately: upgrades charge only the difference, downgrades credit it. Canceling stops future renewals; your plan stays active until the end of the period you have already paid for, and we do not issue partial refunds. We may change prices with at least 30 days' notice; changes apply from your next renewal, and you can cancel before then.
Third-party connections
Bank syncing uses Plaid. By connecting an institution you authorize us and Plaid to retrieve your account data, and you agree to the Plaid end user services agreement. Balances come from your institutions through these providers; we display what they report and cannot guarantee it is complete, current, or error-free.
Not financial advice
netwrth is an informational tool. Nothing in the service is financial, investment, tax, or legal advice, and the numbers shown should not be your sole basis for financial decisions.
Acceptable use
You may not use the service to violate the law, probe or disrupt its security, access other users' data, resell it, or extract it by automated means. We may suspend or terminate accounts that do, or that abuse the free trial.
Your data
You retain all rights to your data. How we handle it, including deletion and the 90-day backup erasure bound, is described in the privacy policy, which is part of these terms. You can delete your account at any time from settings; deletion removes your bank connections at Plaid and erases your data as described there.
Termination
You can stop using netwrth or delete your account at any time; a canceled subscription stays active until the end of its current billing period and is not partially refunded. We may suspend or terminate the service for breach of these terms, and may discontinue the service entirely with at least 60 days' notice, refunding any unused subscription time.
Disclaimers and liability
The service is provided "as is" without warranties of any kind, express or implied, including fitness for a particular purpose and non-interruption. To the maximum extent permitted by law, our total liability for any claim arising from the service is limited to the amount you paid us in the 12 months before the claim, and we are not liable for indirect, incidental, or consequential damages. Nothing here limits liability that cannot be limited by law, including for gross negligence or willful misconduct.
Changes to these terms
If we change these terms materially we'll update the date above and, for significant changes, notify you in the app or by email at least 14 days before they take effect. Continued use after that means you accept the new terms.