By creating an account, accessing, or using MyNetWorth (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. The Service is operated by SuperCala LLC ("SuperCala," "we," "us," or "our"), a North Carolina limited liability company.
You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that you meet this age requirement.
MyNetWorth is a personal net-worth tracking application that helps you organize and monitor your financial picture. The Service provides:
To use the Service, you must create an account. You agree to:
You are responsible for all activity that occurs under your account, whether or not authorized by you. SuperCala is not liable for any loss or damage arising from your failure to maintain the security of your account credentials.
The Service offers two tiers:
Pro subscriptions are billed monthly through Stripe, our third-party payment processor. By subscribing to Pro, you authorize us to charge your payment method on a recurring monthly basis until you cancel.
Auto-renewal: Your Pro subscription will automatically renew each month unless you cancel before the end of the current billing period.
Cancellation: You may cancel your Pro subscription at any time through your account settings. Upon cancellation, you will retain Pro access through the end of your current billing period, after which your account will revert to the free tier.
No refunds: We do not provide refunds for partial billing periods. If you cancel mid-cycle, you will continue to have Pro access until the end of that billing period but will not receive a prorated refund.
Price changes: We reserve the right to change subscription pricing with at least 30 days' notice. Continued use after a price change constitutes acceptance of the new pricing.
THIS SECTION IS CRITICAL. PLEASE READ IT CAREFULLY.
The Service integrates with and relies on several third-party services, including but not limited to:
We are not responsible for the availability, accuracy, or actions of any third-party service. Each third-party service is governed by its own terms of service and privacy policy. Disruptions to third-party services may temporarily affect the availability or accuracy of data displayed in MyNetWorth.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by the MyNetWorth Privacy Policy. By using the Service, you consent to the practices described in that policy.
Financial data retrieved through Plaid is handled in accordance with our data retention policy, which describes what data we store, how long we retain it, and how it is protected using encryption at rest and in transit.
We do not sell your personal financial data to third parties.
The Service, including its software, design, branding, logos, user interface, and all related content, is owned by SuperCala LLC and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial net-worth tracking purposes, subject to these Terms.
You retain ownership of the financial data you input manually into the Service.
You agree not to:
IN NO EVENT SHALL SUPERCALA LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SUPERCALA LLC'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID TO SUPERCALA LLC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WITHOUT LIMITING THE FOREGOING, SUPERCALA LLC DOES NOT WARRANT THAT:
You agree to indemnify, defend, and hold harmless SuperCala LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with:
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, United States, without regard to its conflict of law provisions.
Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall take place in Mecklenburg County, North Carolina, or at another mutually agreed location.
Class Action Waiver: You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as a class action, collective action, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Small Claims Exception: Notwithstanding the above, either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.
Injunctive Relief: Nothing in this section prevents either party from seeking injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property rights.
We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and may notify you by email or through the Service.
Your continued use of the Service after the revised Terms take effect constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must stop using the Service and close your account.
By us: We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice, if we believe you have violated these Terms. Upon termination, your right to use the Service ceases immediately.
By you: You may close your account at any time by contacting us at the email below. Upon account closure, we will delete your data in accordance with our data retention policy.
Provisions that by their nature should survive termination (including limitations of liability, disclaimer of warranties, indemnification, and dispute resolution) shall survive.
If you have questions about these Terms, please contact us: