Terms

These are the terms on which Opulence is provided. They are a contract between you and the operator of Opulence (“we”, “us”). Please read them.

By creating an account or using Opulence you accept these terms. If you do not accept them, do not use the service.

These terms and the Privacy Policy are linked from the foot of our home page, from the sign-up screen, and from Settings inside the app.

We will keep this page at the same address, and the date at the top changes whenever the terms do.

Opulence is a tool for recording and looking at your own money. You enter figures — balances, debts, bills, categories, positions, cards — and it arranges them, adds them up, draws them and projects them forward.

It is a calculator and a filing cabinet. It is not a bank, a broker, a custodian, a payment service or an adviser.

It does not connect to any bank, card issuer or broker. It imports no transactions. It cannot move, hold, send or receive money, and it cannot transact on your behalf.

Every figure about your own money is one you typed. Share prices, company details, earnings figures and published interest rates come from the providers named in section 5, and the net worth line is the app's own running total of the balances you entered.

Nothing in Opulence is financial, investment, tax, accounting, retirement, insurance or legal advice, and nothing in it is an offer, solicitation or recommendation to buy, sell or hold any security or other asset.

We are not a registered investment adviser, broker-dealer, financial planner, accountant or tax preparer, and we are not acting in any of those capacities. Using Opulence creates no advisory, fiduciary, agency or professional relationship between you and us, and we owe you no duty of care in respect of any financial decision you make.

Some screens arrange your own figures in an order or suggest a sequence — the debt payoff order, for example, or the month a target is reached at a given rate. These are the output of a formula applied to numbers you entered. They are not personalised recommendations, they take no account of your circumstances, objectives, tax position or risk tolerance, and they must not be treated as advice.

Where a screen shows what analysts expected — the earnings estimate beside a company's reported earnings — it is reporting what a data provider told us those analysts said. It is not our view, not our forecast, and not a suggestion to buy, sell or hold anything.

Decisions about your money are yours alone. We would encourage you to take advice from a qualified professional before making a significant one.

Opulence draws projections: the forecast, what a monthly amount could become, a debt payoff date, the month a milestone is reached. Every one of them is arithmetic — a formula run over figures and assumptions, compounded forward.

A projection is an illustration, never a prediction and never a promise. It assumes a rate of return or a rate of interest that is an assumption and not a fact, it assumes the amounts continue, and it takes no account of tax, fees, inflation, market conditions, job loss, or anything else that happens in a real life.

Some assumptions are yours: the amounts and rates you set on Forecast and on Debt. Some are ours. Where you have not set one, Forecast starts from a default we chose — a 7% annual return, 2.5% inflation — shown in the field you can change. The example on our home page uses a monthly amount and an annual rate we chose outright, and names both beside the figure.

Real returns vary, are not guaranteed, and can be negative. Past performance does not indicate future results. You can lose money. Nothing Opulence draws changes any of that.

Prices, company details, logos, published interest rates and price history are supplied to us by third parties. We do not create this data and we do not verify it.

It may be delayed, incomplete, interrupted, out of date or simply wrong. It is provided for information only. It is not a quote, it is not a valuation, it is not an offer to trade at any price, and it must not be relied on for any transaction.

We give no warranty as to the accuracy, timeliness or completeness of any third-party data, and we are not liable for any loss arising from it or from its absence. A provider may change, restrict or withdraw its data at any time, and a screen that depends on it may then show nothing.

The figure a screen shows for a position is your own quantity multiplied by a price we were given. It is an estimate for your own reference and is not a statement of account from any broker or custodian.

You must be at least 18 years old and able to enter a binding contract.

You must not be barred from using the service under the laws of your country, and you must not be a person with whom we are prohibited from dealing under applicable sanctions.

Opulence is offered for personal, non-commercial use. If you want to use it for a business or on someone else's behalf, ask us first.

You need an account to use Opulence. Give us an email address you control: it is how you recover access, and the only way we can reach you.

The address is fixed when you sign up. There is no way to change it in the app yet; if you need it changed, write to us.

Keep your password to yourself. You are responsible for everything done under your account. If you think somebody else has got into it, change your password immediately and tell us.

One person, one account. Do not create an account for anyone else, do not share yours, and do not use anybody else's.

We do not ask for and will never ask for a card number, a bank login, a social security number or a government identifier. If anything claiming to be Opulence asks you for one, it is not us.

What you enter into Opulence is yours. We claim no ownership of it.

You give us only the permission we need to run the service for you: to store what you enter, to process it, and to show it back to you on your own screens. That permission exists for no other purpose, it is not transferable, and it ends when your information is deleted.

We do not use what you enter to train anything, we do not sell it, and we do not share it for anyone else's marketing. How we handle it is set out in full in the Privacy Policy, which forms part of these terms.

You can take a copy at any time from Settings → Export your data, as a single JSON file: your email address, your display name and every row of the fourteen tables listed in the Privacy Policy.

Your profile picture is not in that file. Ask us and we will send it. Please keep your own copy of anything you cannot afford to lose.

Opulence — the software, the design, the name, the mark and everything on the site other than your own information — belongs to us or to our licensors, and is protected by copyright and other rights.

We give you a personal, non-exclusive, non-transferable, revocable licence to use Opulence for your own purposes while these terms are in force. That is all it is: no ownership passes, and no other right is granted by implication.

Do not copy, modify, translate, reverse-engineer, decompile or create derivative works from the software; do not remove any notice from it; and do not use our name or mark without our written permission.

Use Opulence for what it is for. In particular, do not:

Break into, probe or test the security of the service, or try to get around sign-in, rate limits or any other control.

Read, alter or delete anybody else's information, or attempt to.

Scrape, crawl, bulk-download or systematically extract data from the service, or use an automated system against it beyond ordinary use of the app.

Overload the service, or do anything that degrades it for other people.

Upload anything unlawful, infringing, malicious or that you have no right to upload, or use the service to launder money, evade tax, or commit any other offence.

Resell, sublicense or redistribute the service or any data in it, including any third-party market data.

Misrepresent yourself, or use the service in a way that suggests we endorse you.

We reserve the right to restrict, suspend or close your account if you break these terms, and to do so without notice where the breach is serious, unlawful, or presents a risk to other people or to the service.

In practice the only step available to us today is closing an account; we have no way to restrict or suspend one. Where circumstances allow it we will tell you what happened and give you a chance to put it right.

We may also report unlawful activity to the authorities and cooperate with any lawful request.

We would like Opulence to be available all the time, and we cannot promise that it will be. It may be unavailable for maintenance, for an upgrade, or because something we depend on has failed.

We may add, change, restrict or remove features, and we may stop offering the service altogether. Where a change removes something significant we will give you reasonable notice, and if we discontinue the service we will give you notice and time to export your information.

We do not guarantee that any particular figure, screen, projection, provider or piece of data will continue to be available.

Opulence is provided “as is” and “as available”, without warranty of any kind, whether express, implied or statutory.

To the fullest extent the law allows, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, accuracy and non-infringement.

We do not warrant that the service will be uninterrupted, secure, timely or error-free; that any defect will be corrected; that any figure, calculation, projection or piece of data is accurate or complete; or that the service will meet your requirements or produce any particular result.

Opulence is a young product and is under active development. Features may change, and errors are possible. Check anything that matters.

To the fullest extent the law allows, we are not liable for any indirect, incidental, special, consequential, exemplary or punitive loss; for lost profits, lost savings, lost opportunity, lost goodwill or lost data; or for any investment, tax, borrowing, spending or other financial decision you took on the strength of anything Opulence showed you.

This applies however the loss arises, whether in contract, negligence or otherwise, and whether or not we were told it was possible.

Our total liability to you for all claims arising out of or relating to Opulence is limited to the amount you have paid us in the twelve months before the claim, or one hundred US dollars, whichever is greater.

Nothing in these terms limits or excludes any liability that cannot lawfully be limited or excluded — including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation. Some jurisdictions do not allow certain exclusions, and in those places the exclusions above apply only so far as the law permits.

You agree to indemnify us against any claim, demand, loss, liability or expense (including reasonable legal costs) arising from your misuse of Opulence, your breach of these terms, your infringement of anybody's rights, or anything unlawful you do through the service.

We will tell you promptly about any such claim, and you may take over its defence with counsel we reasonably approve. You will not settle anything that imposes an obligation on us without our agreement.

You may stop using Opulence at any time, and you may ask us to delete your account and everything in it by writing to the address at the foot of this page.

We may end these terms on reasonable notice, or immediately for a serious breach as set out above.

When the agreement ends, your licence to use the service ends with it. The sections that by their nature should survive do survive: your information staying yours, our software staying ours, the disclaimers, the limits on liability, the indemnity, and how disputes are resolved.

If something goes wrong, please write to us first, at the address at the foot of this page. Most things can be sorted out quickly, and we would rather sort it out than argue about it.

We will reply and work with you to resolve it by email within 30 days. If we cannot, either of us may take it to the courts named in the next section. These terms contain no arbitration clause and no class-action waiver.

These terms, and any dispute arising from them or from Opulence, are governed by the laws of the State of Arizona and applicable United States federal law, without regard to conflict-of-laws rules.

Any dispute that is not resolved by email as set out above is resolved in the state or federal courts located in Arizona, and you and we agree to their jurisdiction.

Wherever these terms are governed, your local consumer rights are unaffected where the law says they cannot be.

We may change these terms. The date at the top of this page moves when we do.

Where a change is significant — anything that materially reduces your rights or increases your obligations — we will give you reasonable notice in the app or by email before it takes effect.

Continuing to use Opulence after a change takes effect means accepting the changed terms. If you do not accept them, stop using the service and ask us to delete your account.

If you send us an idea, a suggestion or a bug report, thank you. You give us permission to use it to improve Opulence without obligation, payment or attribution.

Please do not send us anything you consider confidential or want to keep rights in.

We build Opulence to be usable with a keyboard and with a screen reader, and we aim at the WCAG 2.2 AA standard. We do not claim to have met it everywhere.

If something is unusable for you, please tell us and we will try to fix it.

Where these terms say we will give you notice, we give it by posting it on this page and on the Terms and Privacy screens in the app, and by moving the date at the top. Please check here after a change.

We say this plainly because it is what the product can do: Opulence sends no mail of its own beyond the two messages you ask for — confirming your address, and resetting your password. We will add email notice when there is something that can send it, and this section will say so.

You reach us at the address at the foot of this page. Something sent by email counts as given on the day it is sent, unless it bounces.

If a clause here turns out to be unenforceable, the rest stands, and that clause is read as narrowly as it must be to be enforceable.

If we do not enforce something straight away, we have not given it up.

You may not transfer your rights under these terms. We may transfer ours to a successor of our business, and we will tell you if we do.

Neither of us is liable for a failure caused by something genuinely outside our control.

These terms, together with the Privacy Policy, are the whole of the agreement between us about Opulence, and replace anything said beforehand.

Nothing here makes either of us the other's agent, partner or employee, and nobody who is not a party to these terms has any right under them.

Questions about these terms: