Welcome to Wealth Planner. These Terms of Service ("Terms") constitute a legally binding agreement between you and Nook to Nova governing your access to and use of the Wealth Planner application and any related services (collectively, the "Service").

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

1. Use of the Service

Eligibility: You must be at least the age of legal majority in your jurisdiction to use the Service. By using the Service, you represent and warrant that you meet this requirement.

License: Subject to your compliance with these Terms, Nook to Nova grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your personal, non-commercial financial management.

Restrictions: You agree not to: (a) reproduce, modify, prepare derivative works based upon, distribute, license, lease, sell, resell, transfer, publicly display, or otherwise exploit the Service; (b) decompile, reverse engineer, or disassemble the Service; (c) link to, mirror, or frame any portion of the Service; or (d) attempt to gain unauthorized access to or impair any aspect of the Service or its related systems.

2. User Data and Synchronization

The Service allows you to manage financial data. You retain all rights in, and are solely responsible for, the data you enter. If you enable the "Remote Cloud Sync" feature, you explicitly authorize us to securely transmit, process, and store your data on our servers to facilitate synchronization across your devices.

3. AI Features and Third-Party API Keys

The Service may offer AI-assisted features requiring the provision of a third-party API key (e.g., Groq, OpenAI). You acknowledge that these API keys are provided by you at your own risk. Nook to Nova is not responsible for any usage charges, data breaches, or terms violations incurred through your third-party AI provider account. We do not warrant the accuracy, reliability, or completeness of any AI-generated financial insights.

4. Disclaimers

No Financial Advice: THE SERVICE IS PROVIDED FOR INFORMATIONAL AND ORGANIZATIONAL PURPOSES ONLY. NOOK TO NOVA IS NOT A FINANCIAL ADVISOR, BROKER, OR TAX PROFESSIONAL. THE CONTENT GENERATED BY THE SERVICE DOES NOT CONSTITUTE PROFESSIONAL FINANCIAL ADVICE.

"AS IS" Basis: THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." NOOK TO NOVA DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, NOT EXPRESSLY SET OUT IN THESE TERMS, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NOOK TO NOVA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, PERSONAL INJURY, OR PROPERTY DAMAGE RELATED TO, IN CONNECTION WITH, OR OTHERWISE RESULTING FROM ANY USE OF THE SERVICE.

6. Modifications to Terms

We may modify these Terms from time to time. If we make material changes, we will provide notice through the Service or by other means to provide you the opportunity to review the changes before they become effective. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the revised Terms.

7. Contact Information

For any questions or notices regarding these Terms, please contact us via our official website at nooktonova.com.