Terms of Use

By accessing or using Net Worth Jar (the “Service”), operated by DealCircles LLC (“we,” “us,” or “our”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use the Service.

Net Worth Jar is a free tool that lets you enter financial account information to estimate your net worth and model hypothetical growth scenarios, along with free standalone financial calculators. All results are estimates based on the inputs you provide and the assumptions built into the tool.

The Service is provided for general informational and educational purposes only. Nothing on the Service constitutes financial, tax, legal, accounting, or investment advice, or a recommendation to buy, sell, or hold any security or take any particular financial action. You should consult a qualified professional before making financial decisions. We are not a registered investment adviser, broker-dealer, tax preparer, or attorney, and no advisory or fiduciary relationship is created by your use of the Service.

THE SERVICE, INCLUDING ALL CALCULATIONS, PROJECTIONS, ESTIMATES, BENCHMARKS, AND OTHER INFORMATION IT DISPLAYS, IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND. We do not warrant that any calculation, projection, or piece of information displayed by the Service is accurate, complete, reliable, current, or error-free. Software can contain bugs, formulas can contain errors, and assumptions built into projections (such as rates of return, inflation, or contribution limits) may not reflect actual future conditions or your individual circumstances. You are solely responsible for independently verifying any figure before relying on it for any purpose.

Some pages within the Service reference data from third-party sources — for example, published government statistics such as the Federal Reserve's Survey of Consumer Finances. We do our best to use this data accurately at the time it is added, but we do not control these sources and do not guarantee their accuracy, completeness, or currency. Underlying data can later be revised or superseded without our knowledge. We are not responsible for errors or omissions originating from any third-party source, and a reference to a source does not imply that source's endorsement of the Service.

By default, the Service stores the information you enter locally in your own browser only — we do not receive, transmit, or store it on our servers. Because of this, we have no visibility into, and no ability to back up or recover, your locally-stored data unless you use the optional account feature described in Section 7. See our Privacy Statement for full details on both.

The Service offers an optional “Save my data” feature that creates an account for you, using a third-party identity provider, and lets you save an encrypted backup of your data to our infrastructure. Using this feature is entirely optional; the Service functions fully without it. You are responsible for maintaining the confidentiality of your account and for all activity that occurs under it.

This feature encrypts your data on your device using a passphrase you choose, which we never receive and cannot recover. You are solely responsible for remembering your passphrase. If you forget it, we have no way to decrypt or recover that saved backup for you — this is an inherent feature of how the encryption works, not a service failure, and we are not liable for any resulting loss of data. Your account and the ability to sign back in are not affected; you may set a new passphrase and save a fresh backup at any time. See our Privacy Statement for how this works in detail, and Section 15 for our right to suspend or terminate accounts.

We may modify, suspend, or discontinue the Service, or any part of it, at any time, with or without notice, and without liability to you. We may also revise these Terms at any time, at our sole discretion and without prior notice, by posting an updated version on this page. The “Last updated” date above reflects the most recent changes. Your continued use of the Service after any change takes effect constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

You agree not to misuse the Service — including by attempting to interfere with its normal operation, reverse-engineering it beyond what applicable law permits, or using it in a way that violates applicable law.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL DEALCIRCLES LLC, ITS OWNERS, MEMBERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR FINANCIAL OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE; ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON THE SERVICE; OR ANY ERROR, INACCURACY, OR OMISSION IN ANY CALCULATION, PROJECTION, OR OTHER INFORMATION DISPLAYED BY THE SERVICE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED TEN U.S. DOLLARS ($10), REFLECTING THAT THE SERVICE IS PROVIDED FREE OF CHARGE.

Some jurisdictions do not allow the exclusion or limitation of certain damages or warranties, so some of the above limitations may not apply to you.

You agree to indemnify, defend, and hold harmless DealCircles LLC and its owners, members, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Service.

The Service — including its design, text, graphics, logos, and underlying code — is owned by DealCircles LLC or its licensors and is protected by applicable intellectual property laws. Data you enter yourself remains yours.

We may restrict, suspend, or terminate access to the Service, in whole or in part, at any time, for any reason or no reason, without notice or liability.

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Please read this section carefully — it affects your legal rights, including your right to file a lawsuit in court.

Before initiating any formal proceeding, you agree to first contact us at [email protected] and attempt in good faith to resolve the dispute informally for at least 30 days. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service that is not resolved informally will be settled by binding, individual arbitration rather than in court, except that either party may bring an individual claim in small claims court. YOU AND DEALCIRCLES LLC EACH WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION AGAINST THE OTHER. The arbitration will be administered by a recognized arbitration organization under its applicable consumer arbitration rules, and judgment on the arbitration award may be entered in any court of competent jurisdiction. If the class action waiver in this section is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in a court of competent jurisdiction as specified in Section 16, and the rest of this arbitration provision will still apply to all other claims.

We will not be liable for any failure or delay in the Service resulting from causes beyond our reasonable control, including acts of God, internet or hosting-provider outages, natural disasters, war, or governmental action.

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign these Terms, in whole or in part, at any time without notice or your consent.

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be deemed modified to the minimum extent necessary to make it enforceable.

These Terms, together with our Privacy Statement, constitute the entire agreement between you and DealCircles LLC regarding the Service and supersede any prior agreements or understandings.

Questions about these Terms can be sent to [email protected].