Terms of Service | Wealth Tracker

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING OUR SERVICE.

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User", "you", "your") and Digital Front LLP ("we", "us", "our", "Company"), a company registered at 3rd Floor East, 21 Foley Street, London W1W 6DR, United Kingdom (Registration No: OC457050), governing your access to and use of Wealth Tracker (https://getwealthtracker.com), including all associated websites, applications, software, content, features, and services (collectively, the "Service").

By accessing, registering for, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

1. Eligibility and Account Registration

1.1 Eligibility Requirements

To use the Service, you must:

Be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater
Have the legal capacity to enter into binding contracts
Not be prohibited from receiving the Service under applicable laws
Not have been previously suspended or terminated from the Service

If you are entering into this Agreement on behalf of a business, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms, in which case "you" and "your" shall refer to such entity.

1.2 Account Registration

To access certain features of the Service, you must create an account by providing accurate, current, and complete information as prompted by the registration process. You agree to:

Provide truthful and accurate registration information
Maintain and promptly update your account information to keep it accurate and complete
Maintain the security and confidentiality of your account credentials
Accept responsibility for all activities that occur under your account
Notify us immediately of any unauthorized access or use of your account

1.3 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. You agree not to share your password or account access with any third party. We will not be liable for any loss or damage arising from your failure to safeguard your account credentials.

1.4 One Account Per Person

Unless expressly permitted in writing, each individual may maintain only one account. We reserve the right to terminate duplicate accounts without notice.

2. Description of Service

2.1 Service Overview

Wealth Tracker provides software-as-a-service solutions designed to enable users to access our platform's features and functionality as described on our website. The specific features, capabilities, and limitations of the Service may vary based on your plan or purchase.

2.2 Service Modifications

We reserve the right, at our sole discretion, to:

Modify, update, or discontinue any aspect of the Service at any time
Add or remove features, functionality, or content without prior notice
Impose limits on certain features or restrict access to parts or all of the Service
Perform scheduled and unscheduled maintenance that may result in service interruptions

We will endeavor to provide reasonable notice of material changes that significantly impact your use of the Service. However, we are not obligated to maintain, support, upgrade, or update the Service, nor to provide any specific content.

2.3 Service Availability

While we strive to maintain high availability, we do not guarantee that the Service will be uninterrupted, timely, secure, or error-free. The Service is provided on an "as is" and "as available" basis.

3. User Obligations and Acceptable Use

3.1 General Obligations

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are responsible for ensuring that your use of the Service complies with all applicable laws, regulations, and third-party rights.

3.2 Prohibited Conduct

You expressly agree not to engage in any of the following prohibited activities:

Illegal Activities:

Using the Service for any purpose that violates applicable local, state, national, or international laws or regulations
Engaging in any activity that constitutes fraud, identity theft, or money laundering
Promoting, facilitating, or engaging in illegal gambling, drug trafficking, or other criminal enterprises

Harmful Content and Behavior:

Uploading, transmitting, or distributing content that is defamatory, libelous, threatening, harassing, abusive, or hateful
Distributing content depicting violence, exploitation, or abuse
Engaging in cyberbullying, stalking, or harassment of other users

Intellectual Property Violations:

Infringing upon or misappropriating any copyright, trademark, patent, trade secret, or other proprietary right
Distributing pirated software, media, or other copyrighted materials
Circumventing, disabling, or otherwise interfering with digital rights management measures

Technical Abuse:

Attempting to gain unauthorized access to our systems, servers, or networks
Introducing viruses, worms, Trojan horses, malware, or other malicious code
Engaging in denial-of-service attacks, flooding, or other disruptive activities
Reverse engineering, decompiling, or disassembling any aspect of the Service
Using automated scripts, bots, or crawlers to access the Service without authorization

Platform Abuse:

Creating false identities or impersonating any person or entity
Interfering with other users' access to or enjoyment of the Service
Reselling, redistributing, or providing access to the Service to third parties without authorization
Using the Service to send unsolicited communications, spam, or chain letters

3.3 User Content Standards

If you submit, upload, or transmit any content through the Service ("User Content"), you represent and warrant that such content:

Is original to you or you have obtained all necessary rights and permissions
Does not infringe any third-party intellectual property or proprietary rights
Does not contain any false, misleading, or deceptive information
Does not violate any applicable laws or regulations
Does not contain any material that is objectionable, harmful, or inappropriate

3.4 Content Monitoring and Removal

We reserve the right, but not the obligation, to monitor, review, edit, or remove any User Content at our sole discretion. We may remove content that we determine violates these Terms or is otherwise objectionable without prior notice.

There is no tolerance for objectionable content or abusive users. You can report a profile and block a user from inside the Service, on the web and in our mobile apps. We review every report, remove content that violates these Terms, and suspend or terminate the accounts of users who post it or abuse others.

4. Plans, Purchases, and Fees

4.1 Subscription Terms

The Service may be offered through various plans, which may include free tiers, paid subscriptions, one-time purchases, or lifetime access options. The specific terms, pricing, and features of each plan are described on our pricing page.

4.2 Payment Terms

For paid plans, you agree to pay all applicable fees in accordance with the pricing and billing terms in effect at the time of purchase. All fees are:

Stated in the applicable currency as displayed during checkout
Due in advance for the billing period or purchase type selected
Non-refundable as detailed in our Refund Policy

4.3 Billing and Renewal

Automatic Renewal: If you purchase a recurring subscription, it will automatically renew at the end of each billing period unless you cancel before the renewal date. You authorize us to charge your payment method on file for each renewal period.

Payment Processing: All payments are processed through our third-party payment processor(s). You agree to be bound by the terms and conditions of the applicable payment processor.

Failed Payments: If we are unable to process payment, we may suspend your access to paid features until payment is successfully processed. We reserve the right to terminate accounts with persistent payment failures.

4.4 Price Changes

We may modify our pricing at any time. For existing customers with recurring subscriptions:

We will provide at least 30 days' advance notice of price increases
Price changes will take effect at the start of your next billing period following the notice
Continued use of the Service after a price change constitutes acceptance of the new pricing
If you do not agree to a price change, you may cancel your subscription before it takes effect

4.5 Taxes

All fees are exclusive of applicable taxes (including but not limited to VAT, GST, sales tax, and withholding tax) unless otherwise stated. You are responsible for paying all taxes associated with your purchase.

4.6 Restricted Regions

In compliance with applicable trade sanctions, export controls, and international regulations, we do not offer paid services to users located in, or nationals of, the following countries and regions:

Belarus
Cuba
Iran
North Korea
Russia
Syria

We may update this list at any time to comply with legal requirements. Users from restricted regions may not purchase subscriptions, credits, or other paid offerings. Attempting to circumvent these restrictions (including via VPN or misrepresenting your location) constitutes a violation of these Terms and may result in immediate account termination without refund.

4.7 Credits and Tokens

If the Service includes credit-based or token-based features:

Credits or tokens must be used in accordance with their specified terms and expiration dates
Unused credits or tokens may expire as specified in the applicable terms
Credits and tokens have no cash value and are non-transferable unless otherwise specified
We reserve the right to modify the value, availability, or pricing of credits and tokens

5. Intellectual Property Rights

5.1 Our Intellectual Property

The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, and arrangement) are owned by Digital Front LLP, our licensors, or other providers and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business purposes (or personal use, if applicable) in accordance with these Terms.

5.3 Restrictions

Except as expressly permitted herein, you may not:

Copy, modify, adapt, or create derivative works based on the Service
Sell, resell, sublicense, lease, or rent the Service to any third party
Disassemble, reverse engineer, or decompile any software or technology underlying the Service
Remove, alter, or obscure any copyright, trademark, or other proprietary notices
Use our trademarks, logos, or brand assets without prior written consent

5.4 User Content License

By submitting User Content to the Service, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in connection with providing and improving the Service. You retain all ownership rights in your User Content.

5.5 Feedback

If you provide us with any feedback, suggestions, or ideas regarding the Service ("Feedback"), you hereby assign to us all rights in such Feedback and agree that we may use and share such Feedback for any purpose without compensation or obligation to you.

6. Data and Privacy

6.1 Privacy Policy

Your use of the Service is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

6.2 Data Security

While we implement reasonable security measures to protect your data, you acknowledge that no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security of your data.

6.3 Data Backup

You are solely responsible for maintaining backups of your data. We are not liable for any loss, corruption, or destruction of User Content.

6.4 Data Processing

If applicable data protection laws require a data processing agreement, you agree to our standard data processing terms, which are available upon request or on our website.

7. Copyright and Intellectual Property Claims

7.1 DMCA Compliance

We respect the intellectual property rights of others and expect users to do the same. In accordance with the Digital Millennium Copyright Act (DMCA) and similar laws in other jurisdictions, we will respond to legitimate notices of alleged copyright infringement.

7.2 Filing a Copyright Complaint

If you believe that content on our Service infringes your copyright, please submit a notice containing:

A physical or electronic signature of the copyright owner or authorized representative
Identification of the copyrighted work claimed to be infringed
Identification of the material claimed to be infringing, with sufficient detail to locate it
Your contact information (address, phone number, and email)
A statement that you have a good faith belief that the use is not authorized
A statement, under penalty of perjury, that the information is accurate and you are authorized to act on behalf of the copyright owner

7.3 Counter-Notification

If you believe your content was removed in error, you may submit a counter-notification containing:

Your physical or electronic signature
Identification of the removed material and its prior location
A statement under penalty of perjury that removal was due to mistake or misidentification
Your contact information and consent to jurisdiction

7.4 Designated Agent

Copyright notices and counter-notifications should be sent to [email protected] with the subject line "DMCA Notice" or "DMCA Counter-Notification."

7.5 Repeat Infringer Policy

We will terminate accounts of users who are repeat infringers in appropriate circumstances.

8. Third-Party Services and Links

8.1 Third-Party Integrations

The Service may integrate with or enable access to third-party services, applications, or websites. Your use of any third-party service is subject to that service's terms and conditions and privacy policy.

8.2 Third-Party Links

The Service may contain links to third-party websites or resources. We are not responsible for the content, products, or services offered by third parties. Your access to and use of third-party websites is at your own risk.

8.3 No Endorsement

The inclusion of any third-party link or integration does not imply endorsement, sponsorship, or recommendation by us.

8.4 Bank Connections

You may connect bank accounts you are entitled to access. Connections are provided by Enable Banking Oy, a licensed account information service provider, for banks in the European Economic Area, and by Stripe, Inc. (Stripe Financial Connections) for banks in the United States, each under its own terms. Access is read-only. Balances and transactions are shown as your bank provides them; we do not guarantee that a bank's data is complete, correct or current, and a bank may end access early.

Keeping a connected account updated costs credits, charged per account for each calendar month before that month's first update, at the price shown in the Service. Where the provider bills balance refreshes on their own (Stripe Financial Connections), a refreshed balance also costs credits, at most once a week per account. If your balance does not cover it, the account is not updated that month and nothing is charged. A month already charged is not refunded if you disconnect.

9. Termination

9.1 Termination by You

You may terminate your account at any time by following the cancellation procedures in your account settings or by contacting our support team. Upon termination:

Your subscription will remain active until the end of your current billing period
You will not receive a refund for any remaining portion of your billing period
Your access to paid features will cease at the end of your billing period

9.2 Termination by Us

We may suspend or terminate your account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

Breach of these Terms
Violation of applicable laws or regulations
Engaging in fraudulent, abusive, or illegal activity
Non-payment of fees
Extended periods of inactivity
Request by law enforcement or government agencies
Discontinuation or material modification of the Service

9.3 Effect of Termination

Upon termination:

Your right to use the Service immediately ceases
All licenses granted to you under these Terms terminate
We may delete your account data after a reasonable retention period (as described in our Privacy Policy)
Any outstanding payment obligations remain due and payable
Provisions of these Terms that by their nature should survive termination shall survive (including, without limitation, Sections 5, 10, 11, 12, 13, and 14)

10. Disclaimers

10.1 "As Is" Basis

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
WARRANTIES REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF THE SERVICE
WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE

10.2 No Professional Advice

The Service does not provide legal, financial, medical, or other professional advice. Any information provided through the Service is for general informational purposes only and should not be relied upon as a substitute for professional advice.

This includes anything the Service's AI assistant says or records. The assistant can be wrong: it can misread a document, mistake one holding for another, or state a figure that is not correct. Every value it writes is yours to check, and the decision to act on any of it is yours alone.

10.3 Third-Party Content

We do not warrant or make any representations regarding the accuracy, reliability, or completeness of any third-party content, information, or materials made available through the Service.

11. Limitation of Liability

11.1 Exclusion of Certain Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Digital Front LLP, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR:

ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES
ANY DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES
ANY DAMAGES 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; OR (iv) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

11.2 Cap on Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY YOU TO US DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100).

11.3 Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

12. Indemnification

You agree to defend, indemnify, and hold harmless Digital Front LLP and its directors, officers, employees, agents, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to reasonable attorneys' fees) arising from:

Your use of the Service
Your violation of these Terms
Your violation of any third-party rights, including intellectual property, privacy, or proprietary rights
Your User Content
Your negligent or wrongful conduct
Any claim that your User Content caused damage to a third party

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense of such claims.

13. Dispute Resolution

13.1 Governing Law

These Terms and any dispute arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the jurisdiction in which Digital Front LLP is incorporated, without regard to its conflict of law provisions.

13.2 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first attempt to resolve any dispute informally by contacting us at [email protected]. We will attempt to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 30 days of submission, either party may proceed with formal dispute resolution.

13.3 Binding Arbitration

Subject to applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved informally shall be resolved by binding arbitration administered by a reputable arbitration organization under its applicable rules. The arbitration shall be conducted in the English language. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

13.4 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND Digital Front LLP EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.

13.5 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or to prevent imminent harm.

14. General Provisions

14.1 Entire Agreement

These Terms, together with the Privacy Policy, Refund Policy, and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Digital Front LLP regarding your use of the Service and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning the subject matter hereof.

14.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

14.4 Assignment

You may not assign or transfer these Terms or your rights or obligations hereunder, in whole or in part, without our prior written consent. We may assign or transfer these Terms freely without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

14.5 Force Majeure

We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

14.6 Independent Contractors

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Digital Front LLP. Neither party has the authority to bind the other or incur obligations on behalf of the other.

14.7 No Third-Party Beneficiaries

These Terms do not confer any rights on any third party, except as expressly stated herein.

14.8 Notices

Any notices or other communications required or permitted hereunder shall be in writing and shall be deemed given when delivered personally, sent by email (with confirmation of receipt), or sent by certified mail to the addresses provided in your account or on our website.

14.9 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

14.10 Electronic Agreement

You acknowledge and agree that by clicking "I Accept," "Sign Up," or similar buttons, or by accessing or using the Service, you are entering into a legally binding agreement. This electronic acceptance has the same legal effect as a handwritten signature. You agree that you have the ability to receive these Terms in written form if requested, and that you consent to the use of electronic records and signatures in connection with this Agreement pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), the Uniform Electronic Transactions Act (UETA), and any other applicable laws.

15. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by:

Posting the updated Terms on the Service with a new "Last Updated" date
Sending an email notification to the address associated with your account
Displaying a prominent notice on the Service

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and cancel your account.

16. Contact Information

If you have any questions, concerns, or complaints regarding these Terms or the Service, please contact us:

Digital Front LLP
3rd Floor East, 21 Foley Street, London W1W 6DR, United Kingdom
Registration No: OC457050

General Inquiries: [email protected]

Billing Questions: [email protected]

Website: https://getwealthtracker.com

By using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.