Terms of Service

NetWorth Explained (“NetWorthExplained.com”, “NWE”, “we”, “our”, or “us”)

These Terms of Service (“Terms”) govern your access to and use of the NetWorth Explained website, content, and any related services (collectively, the “Site” or “Service”). By accessing, browsing, registering for an account, or using the Site in any way, you (“User,” “you,” or “your”) agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. This forms a legally binding agreement between you and NetWorth Explained.

If you do not agree to these Terms, do not access or use the Site.

1. Eligibility and Age Requirements

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site. If you are between 13 and 17 years old, you may only use the Site with the consent and supervision of a parent or legal guardian who agrees to these Terms on your behalf. By using the Site, you represent and warrant that you meet these requirements and have the legal capacity to enter into this agreement.

2. Changes to These Terms

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Changes will be effective immediately upon posting the revised Terms on the Site. Your continued use of the Site after any changes constitutes acceptance of the updated Terms. It is your responsibility to review these Terms periodically.

3. Account Registration

Certain features of the Site may require you to create an account. You agree to:

• Provide accurate, current, and complete information during registration and keep it updated.
• Maintain the confidentiality of your account credentials.
• Accept responsibility for all activity under your account.

We may suspend or terminate your account at any time for any reason, including suspected violation of these Terms.

4. License to Use the Site and Intellectual Property

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use only.

All content on the Site — including text, images, graphics, data, software, and other materials — is owned by NetWorth Explained or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Republish, reproduce, duplicate, copy, sell, rent, sublicense, or commercially exploit any content.
• Scrape, data mine, harvest, or systematically extract data from the Site without our prior written consent.
• Modify, translate, reverse engineer, decompile, or create derivative works.
• Remove any copyright, trademark, or other proprietary notices.
• Use the Site or its content for any unlawful purpose or in a way that damages or impairs the Site.

This license terminates automatically if you violate these Terms.

5. Acceptable Use

You agree not to use the Site in any manner that:

• Violates any applicable law or regulation.
• Infringes the rights of others.
• Transmits malware, viruses, or harmful code.
• Involves unsolicited commercial communications (spam) or unauthorized marketing.
• Interferes with or disrupts the Site’s operation or security.

We prohibit any automated data collection without express written permission.

6. User Content

“User Content” means any material (text, comments, images, etc.) you submit to the Site. By submitting User Content, you grant NetWorth Explained a worldwide, perpetual, irrevocable, royalty-free, sublicensable license to use, reproduce, modify, publish, and distribute it in any media.

You represent that your User Content does not violate any law or third-party rights. We reserve the right (but have no obligation) to monitor, edit, or remove any User Content at our sole discretion.

7. Affiliate Links, Disclosures, and Third-Party Products/Services

Important Disclosure Regarding Affiliates and Recommendations

This Site contains affiliate links. When you click on certain links to third-party products or services and make a qualifying purchase or sign-up, we may earn a commission or other compensation at no additional cost to you. This helps support the operation of the Site.

FTC Compliance & Transparency

‍In accordance with FTC guidelines and applicable advertising laws:

• We clearly disclose when content includes affiliate links or when we receive compensation.
• Our opinions, reviews, and recommendations are our own and are based on our testing, research, and experience at the time of publication.
• Compensation may influence which products we review, how we present information, or the order in which products appear.
• We only promote products or services we genuinely believe can provide value to our audience. However, we make no guarantees about results, performance, or suitability for your specific needs.

Your Responsibility

• All third-party products, services, pricing, features, and terms are subject to change without notice.
• You are solely responsible for conducting your own due diligence before purchasing, subscribing to, or using any third-party product or service recommended or linked on this Site.
• We are not responsible for the accuracy, reliability, or performance of any third-party products, services, or websites.
• Past performance or our test results do not guarantee future results.
• Any financial, business, or other decisions you make based on content on this Site are made at your own risk.

We may also participate in other advertising or sponsorship programs. Any such relationships will be disclosed where appropriate.

8. Disclaimers and No Warranties

The Site and all content (including reviews, comparisons, calculations, and recommendations) are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that:

• The Site will be uninterrupted, secure, or error-free.
• Content (including tool reviews or net worth calculations) is complete, accurate, current, or reliable.
• Any results from using recommended tools or following advice will be achieved.

Tool reviews and comparisons reflect our opinions and testing at the time of writing. Software features, pricing, and performance change frequently. Nothing on this Site constitutes professional, legal, financial, medical, or investment advice. Consult qualified professionals for such matters.

9. Limitation of Liability

To the maximum extent permitted by law, NetWorth Explained, its owners, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or any loss of profits, revenue, data, goodwill, or business opportunities — whether based in contract, tort, or otherwise — arising out of or related to your use of the Site, even if advised of the possibility of such damages.

Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim (or $100 if you paid nothing).

Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless NetWorth Explained and its owners, officers, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Site.
• Your violation of these Terms.
• Your User Content.
• Your reliance on any content or recommendations on the Site.

11. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Site ends immediately.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in California. You consent to the personal jurisdiction of such courts.

13. Miscellaneous

• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and us and supersede all prior agreements.
• Severability: If any provision is found unenforceable, the remaining provisions remain in full effect.
• Assignment: We may assign these Terms without notice. You may not assign them without our prior written consent.
• No Waiver: Our failure to enforce any right or provision does not constitute a waiver.
• Contact: For questions about these Terms, contact us through the methods listed on the Site.

By using NetWorth Explained, you acknowledge that you have read, understood, and agree to these Terms of Service, including the affiliate disclosure and disclaimers.