Terms of Service

Acceptance of Terms

By creating an account or using Northing ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, you may not use the Service.

Description of Service

Northing is a personal net worth tracking tool that allows you to record and monitor your assets, liabilities, and investments. The Service includes features such as live price lookups, historical snapshots, portfolio analysis, and retirement projections.

User Responsibilities

You agree to:

• Provide accurate information when creating your account
• Keep your login credentials secure and confidential
• Use the Service only for lawful, personal purposes
• Not attempt to gain unauthorised access to the Service or other users' data

Not Financial Advice

Northing is a tracking and visualisation tool only. Nothing in the Service constitutes financial, investment, tax, or legal advice. Projections, growth estimates, and retirement calculations are illustrative and based on assumptions that may not reflect actual market conditions. You should consult a qualified financial adviser before making any financial decisions.

Accuracy of Data

Live prices are sourced from third-party providers (Yahoo Finance, CoinGecko) and may be delayed, inaccurate, or unavailable. We do not guarantee the accuracy, completeness, or timeliness of any price data displayed in the Service.

Limitation of Liability

The Service is provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, Northing shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to financial losses based on data displayed in the Service.

Termination

You may delete your account at any time. We reserve the right to suspend or terminate accounts that violate these Terms. Upon termination, your data will be permanently deleted.

Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

Contact

For questions about these Terms, please contact us at hello@getnorthing.com.