Terms of Service
These are the same Terms shown inside the Worthline app.
Educational planning tool — not advice
Worthline is a private planning workbook for exploring your own numbers. Every figure it shows is a simplified estimate built from the values you enter — taxes, for example, are modeled from the deduction lines you provide, not a certified tax engine.
Nothing in the app is financial, investment, tax, or legal advice, and nothing is a recommendation to buy, sell, or hold any asset. Consult a licensed professional before making financial decisions. You are responsible for your own choices.
Your passphrase, your responsibility
Your data is encrypted with a key derived from your passphrase, and there is no recovery mechanism. If you forget your passphrase, your data cannot be recovered by us or by anyone else. Keep your passphrase safe — a password manager is a good place — and keep your own backups or transfer files.
Provided “as is”
The software is provided “as is”, without warranty of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent permitted by law, the developer accepts no liability for any loss or damage — including lost data or financial loss — arising from the use of, or inability to use, the software.
Your data is yours
You retain full ownership of the data you enter. The app stores it locally for you and gives you tools to back it up and move it. The developer claims no rights over your data and has no access to it.