Terms & policies

By downloading, accessing, or using the Netaro app (the “App”) and the Netaro website (together, the “Service”), you agree to these Terms of Service and to any additional terms presented in the Service or by the app store through which you obtained the App. If you do not agree, do not use the Service. The Service is operated by Netaro (“Netaro”, “we”, “us”).

You must be at least 18 years old, or the age of majority where you live, to use the Service. If you use the Service on behalf of another person or organisation, you confirm that you have authority to do so and that they agree to these Terms.

Netaro lets you record your assets, accounts, and liabilities and see your total net worth along with charts, peer comparisons, market-price enrichment, AI chat, and related insights. You enter your data manually. Netaro does not connect to your bank, brokerage, exchange, or lender.

The Service is a personal tracking and information tool only. Net-worth figures, charts, market prices, FX rates, benchmarks, peer comparisons, AI-generated or automated insights, and other outputs may be delayed, incomplete, estimated, or wrong. They are not financial, investment, tax, legal, accounting, pension, insurance, or regulated advice. We are not a bank, broker, adviser, fiduciary, custodian, exchange, lender, or credit bureau. You are solely responsible for checking your own records and for any decisions you make.

You can use Netaro locally without an account. Local portfolio data is stored on your device. If you create an account, Netaro may back up and sync your portfolio to our backend so that you can restore it or use it across devices. You are responsible for the accuracy of the information you enter, for keeping your device and email account secure, and for promptly telling us about unauthorised access.

You retain ownership of the data you enter. You grant us a limited licence to host, copy, process, transmit, display, and otherwise use that data only as needed to provide, secure, maintain, improve, and support the Service and to comply with law.

If you use Netaro AI or other AI-powered features, your messages and an aggregated portfolio and profile summary may be processed by our AI providers so the feature can generate a response. You should not enter bank login credentials, payment-card numbers, government identifiers, health information, or other highly sensitive information into AI chat.

You agree not to:

• Use the Service unlawfully, deceptively, or for anything other than personal, non-commercial portfolio tracking.
• Use the Service to make decisions for other people, provide regulated advice, or operate a competing data, analytics, or advisory product.
• Copy, modify, reverse engineer, decompile, disassemble, or attempt to extract the source code of the App, except where law expressly allows it.
• Interfere with, overload, disrupt, probe, bypass, or compromise the Service, its security, rate limits, authentication, or infrastructure.
• Access the Service through unauthorised automated means, scrape its content, harvest market-data responses, or resell data supplied through the Service.
• Use AI features to generate unlawful, harmful, deceptive, infringing, abusive, or regulated advice content, or to bypass safety, privacy, rate-limit, or entitlement controls.
• Upload, enter, or transmit unlawful, infringing, malicious, misleading, or harmful content.
• Misrepresent your identity, age, location, entitlement, or relationship with any person or organisation.

Some features may require a paid subscription, trial, or in-app purchase (“Premium”). Purchases are processed by the Apple App Store, Google Play, or another store or payment provider presented at checkout. The store provider, not Netaro, charges your account, manages payment details, handles most refunds, and applies its own terms.

Subscriptions renew automatically unless cancelled before the renewal deadline shown by the relevant store. Free trials convert to paid subscriptions unless cancelled in time. Deleting the App, deleting your Netaro account, or stopping use does not automatically cancel a store subscription. Prices, features, trial availability, taxes, and billing periods may change for future periods with notice where required. Except where required by law or store policy, payments are non-refundable.

The Service relies on third parties including app stores, Supabase, analytics and diagnostic providers, hosting providers, AI model providers, and market-data sources. Third-party services may be delayed, unavailable, inaccurate, changed, or discontinued. Their terms and privacy notices apply to their services. We are not responsible for third-party acts, omissions, data, prices, APIs, model outputs, outages, or policies, except where law says otherwise.

The Service, including its software, design, and content (but excluding the data you enter), is owned by Netaro and its licensors and is protected by law. These Terms do not grant you any rights in our trademarks or branding.

We may add, change, limit, suspend, or discontinue any part of the Service at any time, including features, pricing, supported platforms, market-data sources, and eligibility for free or paid functionality. We may suspend or terminate access if you breach these Terms, create risk for us or others, misuse the Service, or if we reasonably need to protect the Service, users, or legal compliance. You may stop using the Service at any time.

The Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, secure, error-free, available in every country, compatible with every device, or that any data, prices, FX rates, benchmarks, or outputs are accurate, complete, current, or suitable for your circumstances.

To the fullest extent permitted by law, Netaro will not be liable for indirect, incidental, special, exemplary, punitive, or consequential losses; loss of profit, revenue, goodwill, opportunity, savings, data, or business; loss arising from market movements, financial decisions, inaccurate entries, delayed prices, unsupported devices, lost access, or third-party services; or loss that was not reasonably foreseeable.

To the fullest extent permitted by law, our total liability for claims relating to the Service is limited to the greater of the amount you paid us for the Service in the 12 months before the claim and £100. Nothing in these Terms limits liability that cannot be limited by law, including liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or your mandatory consumer rights.

Where permitted by law, you agree to reimburse and hold harmless Netaro, its directors, officers, employees, contractors, and service providers from claims, losses, liabilities, damages, costs, and expenses arising from your breach of these Terms, unlawful use of the Service, or data you enter into the Service.

We may update these Terms from time to time. If we make material changes, we will update the “last updated” date and, where appropriate or legally required, notify you. Continuing to use the Service after changes take effect means you accept them.

These Terms are governed by the laws of England and Wales, and the courts of England and Wales will have jurisdiction, except where mandatory local consumer or data-protection law gives you additional rights or requires disputes to be handled elsewhere. Please contact us first so we can try to resolve concerns informally.

Questions about these Terms? Email privacy@netaro.app.

This Privacy Policy explains how Netaro (“we”, “us”) collects, uses, stores, shares, and protects personal information when you use the Netaro app, website, and related services. For UK, EEA, Swiss, and similar data-protection laws, we are the controller of the personal data described in this policy unless stated otherwise.

Netaro is designed as a local-first personal net-worth tracker. You can use the App without creating an account, in which case most portfolio data stays on your device. If you create an account, we process additional data to provide authentication, cloud backup, sync, and account features.

• Portfolio and financial information : assets, accounts, liabilities, holdings, categories, quantities, values, currencies, cost basis, mortgage or debt details, notes or metadata you enter, net-worth snapshots, history, preferences, and display-currency settings.
• Account information : email address, authentication identifiers, one-time-code sign-in events, Supabase user ID, account status, and related security metadata.
• Profile information : name, recovery email, and optional demographic fields you choose to provide for peer comparison, such as date of birth, country, and gender.
• Market lookup information : symbols, asset names, categories, currencies, and lookup requests needed to validate assets and retrieve prices or FX rates.
• AI chat and insight information : messages you send to Netaro AI, generated responses, follow-up suggestions, approximate age range, gender, country, aggregated portfolio summaries, and a bounded holdings digest used to personalise AI responses. The holdings digest may include holding names, tickers, categories, currencies, values, and portfolio shares. The AI chat context is designed not to include your name or exact age.
• Usage and device data : device type, operating system, app version, region or language settings, IP address, pseudonymous analytics identifiers, screens or routes viewed, feature events, interaction counts, and performance information.
• Diagnostics : crash logs, error reports, stack traces, breadcrumbs, device and network state, and limited context needed to diagnose reliability or security issues.
• Purchase information : subscription status, product ID, entitlement state, trial or renewal status, and store transaction metadata supplied by Apple, Google, or another payment provider. We do not receive your full payment-card details from app stores.
• Website information : pages viewed, referrers, approximate region, browser/device details, performance metrics, cookie or local-storage preferences, and similar website analytics data.
• Communications : messages you send us, support requests, legal requests, feedback, survey responses, and the contact details needed to respond.

Netaro does not connect to your bank, brokerage, exchange, lender, or payroll provider. You enter your financial data yourself. Please do not enter special-category data, government identifiers, payment-card numbers, bank login credentials, health information, or information about other people unless the Service specifically asks for it and you have the right to provide it.

We collect information directly from you, from your device and app interactions, from app stores or payment providers, from authentication and infrastructure providers, from analytics and diagnostics providers, from AI providers that process AI chat requests, and from market-data providers that respond to asset lookups. We may also infer information from what you enter, such as total net worth, allocation, performance, and peer-comparison estimates.

Portfolio data is stored locally in SQLite on your device. Authentication data is stored in device secure storage where supported. If you create an account, a backup copy of your portfolio and profile information is stored in our Supabase-backed infrastructure so we can provide cloud backup, restore, and sync. Public market data, FX rates, and instrument metadata are stored separately from private user backups.

Cloud backups use transport encryption and provider-managed security controls. They are not marketed as a replacement for your own records or as regulated financial recordkeeping. You remain responsible for keeping separate copies of information you are legally or financially required to retain.

• Provide, operate, maintain, personalise, back up, sync, restore, and secure the Service.
• Create and manage accounts, authenticate users, send one-time login codes, prevent abuse, and maintain sessions.
• Calculate net worth, portfolio views, snapshots, performance, peer comparisons, benchmarks, and insights.
• Provide AI chat and AI-powered insights, including generating responses and follow-up suggestions.
• Validate assets, retrieve market prices and FX rates, and improve market-data quality.
• Process purchases, trials, subscriptions, entitlements, cancellations, renewals, refunds, and billing support.
• Measure usage, performance, conversion, reliability, and feature health; improve the Service; and decide what to build next.
• Detect, investigate, prevent, and respond to fraud, misuse, security incidents, bugs, outages, policy breaches, and unlawful activity.
• Respond to support, privacy, legal, and rights requests.
• Send service, security, legal, and transactional communications.
• Comply with law, tax, accounting, reporting, sanctions, app-store, and regulatory obligations; establish, exercise, or defend legal claims.

Where a lawful basis is required, we rely on the following bases depending on the context:

• Contract : to provide the App, accounts, cloud backup, sync, restore, subscriptions, support, and requested features.
• Legitimate interests : to secure, maintain, debug, measure, improve, and protect the Service; prevent misuse; keep business records; and understand aggregate product usage, provided those interests are not overridden by your rights.
• Consent : where required for non-essential cookies, optional tracking, direct marketing, or other processing where consent is the appropriate basis. You can withdraw consent at any time.
• Legal obligation : to meet tax, accounting, consumer, app-store, data-protection, law-enforcement, and regulatory duties.
• Legal claims and vital interests : where needed to establish, exercise, or defend legal claims or protect someone’s safety.

Netaro may generate automated calculations, charts, rankings, peer comparisons, anomaly flags, AI chat responses, follow-up suggestions, and AI-style or deterministic insights from the information you enter. AI chat may use an aggregated portfolio summary, a bounded holdings digest, coarse profile details, and your recent messages. These outputs are estimates for your personal information only. They may be inaccurate, incomplete, outdated, or unsuitable for your circumstances. We do not use them to make decisions about your legal rights, creditworthiness, insurance, employment, eligibility for essential services, or other decisions that produce legal or similarly significant effects.

• Supabase : hosts our backend, authentication, Edge Functions, private profile data, and cloud portfolio backups.
• Google Gemini : processes Netaro AI chat requests. We send the recent chat messages and the limited portfolio, holdings, and profile context needed to answer the request.
• Apple App Store and Google Play : distribute the App, process in-app purchases and subscriptions, manage refunds, enforce store terms, and provide subscription or entitlement metadata.
• Vexo : product analytics, session and navigation measurement, and usage events. We configure our event layer to avoid sending monetary amounts, holding values, account names, tickers, and similar sensitive portfolio details.
• Sentry : crash, error, performance, and diagnostic reporting, which may include IP address, user/device context, and limited technical breadcrumbs needed to debug issues.
• Vercel : hosts the website and provides website analytics, speed insights, logs, and performance information.
• Market-data providers : supply or validate asset metadata, prices, and FX rates. We send only the lookup data needed for those requests, such as symbol, name, category, currency, or market.
• Professional and legal recipients : lawyers, accountants, auditors, insurers, regulators, courts, law-enforcement bodies, app-store reviewers, and prospective business-transfer parties where needed and lawful.

We do not sell personal information. We do not share personal information for cross-context behavioural advertising. We share information with service providers under appropriate contractual, confidentiality, and security terms; when required by law or app-store rules; to protect rights, safety, and security; or as part of a merger, acquisition, financing, restructuring, or sale of assets.

We use technical and organisational safeguards designed for the risk of a personal-finance app, including transport encryption, provider-managed encryption at rest, access controls, private backend schemas, authentication checks, row-level security controls, rate limits, least-privilege service boundaries, and diagnostic guardrails intended to keep sensitive portfolio values out of analytics events. No method of storage or transmission is completely secure. You are responsible for securing your device, app-store account, email account, and device backups.

We keep personal information for as long as reasonably necessary for the purposes described in this policy, including for as long as you maintain an account, use cloud backup or sync, hold a subscription, need support, or may have a legal or app-store claim. We also retain information where needed for security, abuse prevention, audits, accounting, tax, dispute resolution, legal compliance, and backup integrity.

• Local-only data : portfolio data stored only on your device remains there until you delete it, reset the App, uninstall the App, erase the device, or your operating system removes it.
• Cloud portfolio backups : retained while your account is active or as otherwise needed to provide restore and sync. The backend keeps the latest backup plus a small rolling history for resilience against accidental overwrite.
• Account and profile data : retained while your account exists, then deleted or anonymised after account deletion or a verified deletion request unless a longer retention period is required or permitted by law.
• Security, diagnostics, analytics, and operational logs : retained for periods appropriate to security, debugging, product measurement, and provider settings, then deleted, aggregated, or anonymised when no longer needed.
• Billing, tax, support, and legal records : retained for the period required or permitted by applicable law, store rules, limitation periods, audit requirements, and dispute-resolution needs.

We do not promise to retain data forever. We may delete, aggregate, or anonymise inactive, obsolete, corrupt, excessive, unlawful, or unsupported data when we no longer have a legitimate need to keep it.

Depending on where you live, you may have rights to access, know, correct, delete, export or port, restrict, object to, or appeal decisions about the processing of your personal data; withdraw consent; opt out of sale, sharing, targeted advertising, or certain profiling; and limit certain uses of sensitive personal information. You also have the right not to be discriminated against for exercising privacy rights.

• Delete local-only data by using in-app reset controls where available, uninstalling the App, or erasing the device.
• Request account, profile, and cloud-backup deletion by emailing us from the email address linked to your Netaro account.
• Correct portfolio data directly in the App where editable, or contact us for account/profile corrections you cannot make yourself.
• Exercise any other right, ask for an export, object, restrict processing, withdraw consent, or raise a complaint using the contact details below.

We may need to verify your identity and authority before acting on a request. We will respond within the period required by applicable law. You can also complain to your local data-protection authority or privacy regulator.

For California and similar US state privacy laws, we do not sell personal information and do not share personal information for cross-context behavioural advertising. We may disclose the categories of information described above for the business purposes described in this policy. California residents may request to know, access, correct, delete, and receive information about our disclosures, and may use an authorised agent where permitted by law.

For UK, EEA, and Swiss users, you may also have the right to complain to your supervisory authority, object to direct marketing at any time, and object to or restrict processing based on legitimate interests. Where we rely on consent, withdrawal does not affect processing that happened before withdrawal.

We and our providers may process information in countries other than where you live, including the United Kingdom, European Economic Area, United States, and other countries. Those countries may have different data-protection laws. Where required, we rely on lawful transfer mechanisms such as adequacy decisions, standard contractual clauses, the UK International Data Transfer Addendum, the Data Privacy Framework, or other safeguards recognised by applicable law.

Netaro is not directed to children or teenagers under 18. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, contact us and we will take appropriate steps to delete it.

We may update this Privacy Policy. We will change the “last updated” date above and, for material changes, provide additional notice where appropriate or required by law.

For privacy questions or to exercise your rights, email privacy@netaro.app.

If you use Netaro without an account, your manually entered portfolio data is primarily stored on your device. You can remove local data by using any in-app reset controls made available to you, deleting the App, or erasing the device. Removing local data from a device does not cancel app-store subscriptions and does not automatically remove data that was previously synced to the cloud under a Netaro account.

To request deletion of your Netaro account, profile, and cloud backup data, email privacy@netaro.app from the email address linked to your Netaro account with the subject “Delete my Netaro account”. We may ask for additional verification before deleting data.

Once verified, we will delete or anonymise account, profile, and cloud-backup personal data within the timeframe required by applicable law, unless we need to retain limited information for legal, security, fraud-prevention, tax, accounting, dispute-resolution, app-store, or backup-integrity reasons.

• Data stored only on a device remains under that device’s control unless you delete it there.
• Subscription, purchase, refund, and tax records may remain with Apple, Google, or another store provider under their policies.
• Aggregated, anonymised, or de-identified analytics may remain where it no longer identifies you.
• Security logs, abuse-prevention records, support records, legal correspondence, and backups may be retained for limited periods where required or permitted by law.
• Public market-data records and instrument metadata are not user-account records and may remain in the shared market-data cache.

Deleting your Netaro account or the App does not cancel an Apple App Store, Google Play, or other store subscription. You must cancel through the store account settings that manage the subscription.

This Cookie & Tracking Policy explains how the Netaro website uses cookies and similar technologies, and how the Netaro app uses mobile analytics, diagnostics, local storage, and secure storage. Browser cookies and mobile SDK identifiers are different technologies, but both can involve personal information.

Cookies, pixels, scripts, SDKs, local storage, device storage, and similar technologies save or read information from your browser or device. They can keep a site working, remember preferences, measure performance, diagnose failures, and help us understand how the Service is used.

• Strictly necessary : needed for the site to load, route pages, protect security, and remember privacy choices. These do not usually require consent.
• Preferences : remember settings so the site behaves the way you expect.
• Analytics and performance : Vercel Analytics and Speed Insights help us understand page views, referrers, approximate geography, device/browser information, loading speed, and performance issues. Where consent is required, we rely on consent for non-essential analytics.

We do not use advertising cookies or build advertising profiles on the Netaro website.

• Local SQLite storage : stores portfolio records, account buckets, snapshots, settings, cached FX rates, and sync state on your device.
• Secure storage : stores authentication session material where supported by the device platform.
• Analytics SDKs : measure product usage, screens, feature events, and pseudonymous user identifiers. We design analytics events not to include monetary amounts, holding values, tickers, account names, or other sensitive portfolio details.
• Diagnostics SDKs : capture crash, error, performance, and technical context needed to fix issues.

You can accept or decline non-essential website cookies through consent controls where provided, and you can block or delete cookies in your browser settings. You can limit mobile identifiers and diagnostics through your device settings where the platform supports it. Blocking or deleting some technologies may affect how the Service works.

Questions about cookies? Email privacy@netaro.app.

This End User License Agreement (“EULA”) is a contract between you and Netaro governing your use of the Netaro application (“App”). This EULA applies in addition to the Terms of Service. If you downloaded the App from the Apple App Store, Google Play, or another app store, that store’s terms also apply. Where store terms govern your relationship with the store, those terms control that relationship.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to download, install, and use the App on devices you own or control, as permitted by the usage rules of the app store from which you obtained it, for your own personal, non-commercial use. The App is licensed, not sold.

You may not:

• Rent, lease, lend, sell, sublicense, or distribute the App.
• Copy or modify the App except as allowed by law.
• Reverse engineer, decompile, or disassemble the App.
• Remove or alter any proprietary notices.
• Use the App to provide regulated financial advice, manage assets for others, or operate a competing service.
• Bypass, disable, or interfere with subscriptions, entitlements, security, rate limits, telemetry, or app-store controls.
• Use the App in any unlawful way.

The App is licensed, not sold. Netaro and its licensors retain all rights, title, and interest in the App and its content. The data you create remains yours.

We may release updates that add, change, suspend, or remove features. Some updates may be required for the App to keep working, remain secure, or comply with app-store or legal requirements. This EULA covers updates unless they are provided with separate terms.

Apple, Google, and other app stores are not responsible for the App except to the extent their own terms require. They do not provide maintenance or support for the App. Store providers may process payments, manage refunds, enforce store rules, and remove, suspend, or limit access to the App according to their policies.

• This EULA is between you and Netaro only, not Apple.
• Apple has no obligation to provide maintenance or support for the App.
• To the extent permitted by law, Apple has no warranty obligation, and any claim that the App fails to conform to a warranty is our responsibility.
• We, not Apple, are responsible for addressing claims relating to the App.
• Apple and its subsidiaries are third-party beneficiaries of this EULA and may enforce it against you.

You may not use, download, export, re-export, or transfer the App in violation of applicable export-control, trade-sanctions, anti-bribery, anti-money-laundering, or anti-terrorism laws. You confirm that you are not located in a country or region subject to an applicable embargo and are not on a prohibited or restricted-party list.

The App is provided “as is”, without warranties, to the fullest extent permitted by law, and our liability is limited as described in the Terms of Service. Nothing here limits liability that cannot be limited by law.

This licence applies until terminated. It ends automatically if you breach it, and you may end it by uninstalling the App and stopping use. On termination you must stop using the App and delete any copies in your possession, subject to your legal rights to retain ordinary backups.

This EULA is governed by the laws of England and Wales, except where the App Store terms or mandatory local law provide otherwise.

Questions about this EULA? Email privacy@netaro.app.