Terms of Service

Effective 2026-07-19 · Operator: Vadim Sukhomlinov d/b/a Wealth Navigator · Contact: legal@wealth-nav.com

1. Agreement

These terms govern your use of the Wealth Navigator application and the optional online services at wealth-nav.com (together, the "Service"). By creating a vault, creating an online account, or using the Service, you agree to these terms and to our Privacy Policy and Data Retention Policy, which are part of them. If you do not agree, do not use the Service.

2. What the Service is

Wealth Navigator is a personal financial planning tool: it organizes financial data you provide, computes estimates (taxes, cash flow, scenarios), and helps you plan. The application runs on your own device; your financial data is encrypted there and only your devices can read it. The optional online account adds encrypted cross-device sync, bank-transaction import, and other server-assisted features. Open-source components of the software are licensed under their own licenses, which govern the code; these terms govern the Service.

3. Not professional advice

Wealth Navigator is a calculation and organization tool, not a tax adviser, investment adviser, accountant, broker, or law firm, and no fiduciary or professional-client relationship is created by your use of it.

• Outputs — tax estimates, withholding suggestions, scenario comparisons, portfolio analytics, planning checklists — are estimates produced by software from the data you supplied, for your information and education. They may be incomplete, out of date, or wrong for your situation.
• Tax law and financial regulation change frequently and vary by jurisdiction. Verify any consequential decision with a qualified professional (CPA, CFP, attorney) before acting.
• You remain solely responsible for your financial decisions, the accuracy and completeness of the data you enter or import, and the accuracy, timeliness, and filing of your tax returns and other obligations.

4. Your account and your keys

Access to your data depends on credentials only you hold (vault password, recovery codes, device keys). We do not collect an email address or phone number and we cannot reset what we do not have: if you lose your vault password, recovery codes, and all enrolled devices, your encrypted data is unrecoverable — by design. Keep your recovery codes safe. You are responsible for activity under your credentials and for securing the devices you enroll.

5. Your data

Your financial data is yours. We claim no rights to it, we cannot read it (it reaches us only in encrypted form, if you use sync), we do not sell or share it for advertising, and you can export it in documented formats or delete your account at any time (see the Data Retention Policy for exact windows). Feedback you choose to send us about the product may be used to improve it.

6. Bank and account connections

Connecting a bank or card account is optional and per-account. Transaction data is retrieved through Plaid, Inc.; by linking an account you consent to that retrieval and to Plaid's end-user terms and privacy policy. We receive transaction data only in transit — it is stored encrypted on your devices. You can unlink an account at any time; deleting your online account unlinks all of them. We may retrieve transactions only — never your bank credentials, which are entered with your bank or Plaid, not with us.

7. Free and paid services

The core application is free to use on your own device, and will remain usable — including full export of your data — regardless of any subscription. Paid subscriptions cover server-assisted services (such as encrypted sync and bank import). For paid plans:

• Pricing, billing period, and included features are shown before you pay. Purchases are processed by our payment provider acting as merchant of record — the provider is the seller for payment purposes, handles applicable sales tax/VAT, and holds your payment details; we never receive your card number, billing name, or billing address.
• Free trial. New online accounts include a 30-day trial of the paid plan — no payment method required, one trial per household. When it ends, the account simply drops to the free tier (read-only sync after the grace period below); nothing is charged.
• Subscriptions renew automatically until cancelled. You can cancel at any time, effective at the end of the current period; cancellation is available in-app / via the same channel you subscribed through, with no additional steps. For annual plans, a renewal reminder is sent before charging.
• If a subscription lapses, server-assisted features stop (sync becomes read-only for a grace period of 30 days, then stored data follows the retention policy) — your local application and your data remain fully usable and exportable.
• Refunds: 14-day refund on first purchase; otherwise pro-rated refunds are not provided unless required by law.
• We may change prices with notice; changes take effect at your next renewal.

Prepaid codes. We may offer single-use codes redeemable for a stated number of days of the paid plan.

• Redeeming a code adds its days to your household's paid-until date (starting today if your plan has lapsed). Codes are single-use and have no cash value; they are a credit toward the Service only. Purchased codes do not expire. Codes we issue free of charge (promotions) may state a redemption deadline, disclosed with the code.
• Treat a code like cash: anyone who has the code can redeem it, and we cannot identify, reissue, or cancel a lost or stolen code. This is by design — we store only a one-way hash of each code, the purchase record holds no account, and the redemption record holds no purchase. We cannot link a code purchase to your account (the payment provider, as seller, knows who bought a code — we do not).
• Obtain codes only from us or our payment provider's checkout. We may refuse or cancel codes that were resold without authorization or obtained through fraud (for example, purchased with stolen payment credentials); where we cancel a batch for fraud, legitimately purchased codes from it will be replaced on reasonable proof of purchase.
• Days already redeemed are not refundable; unredeemed code purchases follow the payment provider's refund policy. If a purchase is refunded, any time credited from it may be revoked.

8. Acceptable use

Do not: use the Service for unlawful activity; probe, overload, or disrupt the Service; circumvent authentication, metering, or access controls; resell the Service; or use it to process data of people who have not authorized it. Household sharing is for your household; provider sharing (when available) is at your direction and your choice.

9. Intellectual property

We retain all rights in the Service and its content other than (a) your data and (b) open-source components, which are governed by their own licenses. These terms grant you a personal, non-transferable right to use the Service.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WITHOUT LIMITING SECTION 3, WE DO NOT WARRANT THAT COMPUTATIONS ARE CORRECT, CURRENT, OR SUITABLE FOR YOUR SITUATION, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS; THOSE LIMITS APPLY ONLY TO THE EXTENT PERMITTED BY LAW.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR TAX PENALTIES, INTEREST, LOST PROFITS, OR LOST DATA ARISING FROM RELIANCE ON THE SERVICE; AND OUR TOTAL LIABILITY FOR ALL CLAIMS IN ANY 12-MONTH PERIOD IS LIMITED TO THE GREATER OF THE FEES YOU PAID US IN THAT PERIOD OR US $50. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW.

12. Termination

You may stop using the Service and delete your online account at any time, in-app. We may suspend or terminate online accounts for material breach of these terms, with notice where practicable and a reasonable window to export. Sections 3, 5, and 9–14 survive termination.

13. Changes

We may update these terms; material changes will be announced in-app and/or on this page with a new effective date at least 14 days before taking effect. Continued use after the effective date is acceptance.

14. Governing law and disputes

These terms are governed by the laws of California, USA, excluding conflict rules. Disputes will be resolved in the courts of Santa Clara County, California, and you may always use small-claims court where eligible.

15. Miscellany

Entire agreement (with the incorporated policies); severability; no waiver by inaction; you may not assign these terms, we may assign them in a merger or asset sale with notice. Questions: legal@wealth-nav.com.