Terms of Service

By creating an account, ticking the acceptance box at sign-up, or using the Service, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, do not create an account or use the Service.

If you accept these Terms on behalf of a company, partnership or other organisation, you confirm that you have authority to bind it, and "you" means that organisation.

• You must be at least 18 years old, or the age of legal majority where you live if that is higher. The Service models salaries, debts, pensions and property; it is not designed for, or directed at, children.
• You must be able to enter into a binding contract under the law that applies to you.
• You must not be prohibited from using the Service under any applicable sanctions or export-control law.
• You may hold one account. You may model a partner or household in that account, as described in section 6.

Freeholt is a calculation and planning tool. From the figures you enter (properties, loans, rent, income, expenses, investments, cash, pension or retirement accounts, household members, tax residency and citizenship) and the assumptions you choose (growth rates, interest rates, inflation, horizons, scenarios), it computes year by year projections of cash flow, equity, net worth, tax, retirement drawdown and similar figures, and lets you compare alternatives side by side.

The Service also publishes general information about property, rental, capital gains, pension and investment tax rules in a number of countries, historical market and benchmark data, free public calculators, and optional features that use a third-party artificial intelligence model to explain figures in plain words or answer questions about how the Service works.

Every output is arithmetic applied to your inputs and your chosen assumptions under simplified models of the rules we describe on the relevant page. The Service does not know your full circumstances, does not verify your inputs, and does not hold, move or invest money.

Nothing in the Service, including any projection, comparison, ranking, scenario, chart, report, export, email, country page, calculator, or text produced by an artificial intelligence feature, is or should be taken as financial product advice, investment advice, tax advice, legal advice, accounting advice, credit advice, a personal recommendation, a statement of opinion intended to influence you, or an offer, invitation or solicitation to buy, sell, hold, borrow against or otherwise deal in any property, security, loan, pension, insurance or other financial product.

The Service does not take into account your objectives, financial situation or needs as a whole. Before acting on any output you should consider whether it is appropriate to your circumstances and obtain advice from a professional who is licensed in your country to give it (for example a financial adviser, tax agent, accountant, mortgage broker or lawyer).

Freeholt is not licensed, authorised, registered or supervised by the Monetary Authority of Singapore, the Australian Securities and Investments Commission, the Australian Tax Practitioners Board, the UK Financial Conduct Authority, the US Securities and Exchange Commission or any US state securities regulator, the UAE Securities and Commodities Authority, the Dubai Financial Services Authority, the ADGM Financial Services Regulatory Authority, or any other financial, tax or legal regulator. We do not hold ourselves out as a financial adviser, tax agent, tax (financial) adviser, investment adviser, broker, lender or lawyer in any jurisdiction.

Where a feature ranks, searches or compares alternatives (including any page or feature described as strategies, actions, ideas, optimiser, decision search, playground, buy, sell, hold, refinance, drawdown or similar), it is applying a stated scoring rule to your own inputs and assumptions and showing you the arithmetic result. It is not recommending that you do anything. A higher-ranked alternative is one that scores higher under that rule with those inputs, nothing more.

Tax figures are computed from general rules and rates for the country and year shown, as we understood them on the review date printed on the relevant page. They ignore many reliefs, elections, thresholds, anti-avoidance provisions, transitional rules and personal circumstances that a professional would consider, and rules change. A tax figure in the Service is never a tax return, a ruling or an assessment.

You are responsible for confirming that using the Service is appropriate for you, and for any decision or action you take. We do not owe you a duty of care, fiduciary duty or best-interests duty in respect of any decision.

All outputs are estimates generated from the information you enter and the assumptions you select. They are illustrative only, rely on simplified models, and will not match actual future results. Small changes in an assumption can change an outcome materially, and the further into the future a figure sits, the less it should be relied on.

We do not warrant that any figure, rule, rate, threshold, exchange rate, benchmark, price, historical series or explanation is accurate, complete, current or fit for any purpose. Exchange rates, market prices and benchmark data come from third parties and may be delayed, approximate, revised, estimated or unavailable, and the Service may substitute a proxy series where a country or market has no data of its own; the page says so where it does.

Country and tax information is general, is reviewed on the dates shown, and may be out of date or wrong for your situation. Where a country, rule or product is described as not modelled, partly modelled or approximated, the output does not include it.

Before relying on any figure, verify it against your own records and with a licensed professional.

• You are responsible for the accuracy and completeness of the information you enter, upload or import, and for keeping it up to date.
• You are responsible for your login credentials and for everything done through your account. Use a strong, unique password, do not share your account, and tell us promptly if you believe it has been compromised.
• If you enter information about another person (a partner or household member, a beneficiary of the Legacy Access feature, a client if you are an adviser), you confirm that you are entitled to do so, that you have told them how the Service will use it, and that you have any consent the law where you or they live requires. You are the party responsible to them for that information; our role is described in the Privacy Policy and, for business customers, in the Data Processing Agreement.
• You must not enter information you are not permitted to disclose, and you should not enter information the Service does not ask for (for example bank login details, full card numbers, government identity numbers, or health information).

You may use the Service for your own personal financial planning or, under a Master Service Agreement, for your organisation's business. You must not:

• use the Service for any unlawful purpose or in breach of any law, regulation or third-party right;
• use the Service to provide, or to hold out that you are providing, financial product, investment, tax or legal advice to others, unless you are licensed to do so and you make clear that the figures are your own calculations and responsibility;
• copy, scrape, crawl, harvest or systematically extract the Service, its tax tables, benchmark data, country pages, translations or outputs, whether by automated means or otherwise, other than exports the Service provides for your own use;
• reverse engineer, decompile, disassemble or attempt to derive the source code, models, scoring rules or data structures of the Service, except to the extent the law allows despite this restriction;
• resell, sublicense, rent, lease, white-label or otherwise commercially exploit the Service or its outputs without our written agreement;
• bypass or attempt to bypass any plan, entitlement, rate limit, access control, sample mode, or security measure, or access another person's account or data;
• upload malware, malformed files, or content designed to disrupt the Service, or probe, scan or test its vulnerability without our prior written permission;
• use the artificial intelligence features to generate content that is unlawful, defamatory, infringing or intended to extract information about other users;
• impersonate any person or misrepresent your affiliation with anyone;
• use the Service to train, fine-tune or benchmark a competing product or model.

We may investigate suspected breaches and may suspend or terminate an account that breaches this section (section 14).

The Service offers a Free plan and one or more paid plans (currently "Premium"). What each plan includes is described on the Pricing page at the time you subscribe. We may change what a plan includes on reasonable notice, but we will not remove a capability from a paid plan you have already paid for during the paid period.

• Fees are stated in US dollars and, unless the Pricing page or an order form says otherwise, are billed once a year in advance through our payment processor. You authorise the processor to charge your payment method for each period.
• A paid plan renews automatically at the end of each period at the then-current price for that plan, unless you cancel before the renewal date. We will send a reminder to your account email before an annual renewal. You may cancel at any time from Settings (Manage billing) or by email; cancellation takes effect at the end of the period you have paid for, and the Refund Policy explains when a refund is available.
• If we increase the price of your plan, we will tell you at least 30 days before it applies to you. Accounts that signed up under earlier plan terms may be kept on those terms where we say so on the Pricing page or by email.
• Some capabilities may be offered on a free trial for a fixed period; when the trial ends the capability stops unless the plan that includes it has been purchased. A trial does not renew and is not charged.
• Fees exclude taxes. Where we are required to collect goods and services tax, value added tax or a similar tax, it is added to the price or shown on the checkout page.
• If a payment fails, we may retry it and may downgrade the account to the Free plan after a reasonable period. Your figures remain in the account on the Free plan; capabilities of the paid plan stop.

Your 7-day trial

The trial currently offered is set out below. These are the terms shown in, and accepted through, the dialog that starts it.

• The trial runs for 7 days from the moment you start it, and it is one per account.
• No card, no payment details, and nothing to cancel. When the trial ends your account simply goes back to the free plan.
• Everything you enter is yours and stays in your account after the trial. Only the premium tools stop opening.
• Importing from Excel and exporting your figures are for paying customers and are not part of the trial.
• While you are on the trial, up to 10 of your holdings get automatic price updates, and on Premium up to 100. That covers investments and retirement holdings together. Holdings you price yourself are unlimited on every plan, and everything you enter counts in your projections whichever way it is priced.
• If you need more than those limits, contact support and we will sort it out with you.
• We aim to keep the service available at all times, but this is a calculator, not a service you should depend on for a deadline. Automatic prices come from third parties and can be delayed or unavailable.
• Freeholt is a calculator based on the figures you provide. It is not financial, tax or legal advice. Please consult a licensed professional.

You own the information you enter into the Service and the exports and reports it generates for you ("Your Content"). You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit, back up, display and create derived figures from Your Content, only as needed to provide, secure, support and improve the Service, and as described in the Privacy Policy.

Aggregated and anonymised data

We may create and use statistics, benchmarks, insights and models derived from Your Content and from how you use the Service, provided they are aggregated across many households and anonymised so that they do not identify you, your household, any beneficiary or any client, and cannot reasonably be used to do so. Examples are the typical loan-to-value ratio of households in a country, how often a feature is used, the distribution of assumed growth rates, or the range of yields entered for a city.

Anonymised, aggregated data of this kind is not personal data, and we may use it for any purpose, including improving the Service, research, publishing benchmarks, and offering statistical products, during and after your use of the Service. We will never publish or license a figure that describes one identifiable household, and the Privacy Policy sets out the safeguards we apply (including a minimum group size below which no statistic is released).

Feedback

If you send us suggestions or feedback, we may use them without obligation to you.

Some optional features send information to a third-party artificial intelligence model provider to generate text: an explanation of your own figures, or an answer to a question about how the Service works. These features are labelled, and the Privacy Policy explains exactly what is sent.

• Text produced by a model may be wrong, incomplete or out of date, and it is generated, not reviewed by a person. It is subject to sections 4 and 5 in full and is never advice.
• The assistant is designed to refuse questions that ask whether you should do something, and questions about your personal tax position. That refusal is a design choice, not a limitation to be worked around.
• Do not enter names, account numbers or other identifying details into a chat. Conversations are stored so that we can review the quality of answers and improve the Service.

• Legacy Access lets you name people who will receive a read-only summary of your figures if you stop signing in for a period you choose and do not respond to check-in emails. You are responsible for choosing the right people, for the dormancy period, for keeping your contact details current, and for telling those people that you have named them. We do not verify identity, relationship, capacity or entitlement, and a summary released under this feature is not a will, a grant of authority, or evidence of ownership of anything.
• Share links create a snapshot of a plan's outcome that anyone holding the link can view until it expires or you revoke it. Treat a share link as public.
• Exports, backups and reports are yours. A restored backup replaces what is in the account. A report produced by the Service is subject to sections 4 and 5 wherever it is sent.

The Service uses third-party services for hosting, authentication, database, email, payments, market and exchange-rate data, and artificial intelligence models. Their availability and accuracy are outside our control. Payments are processed by our payment processor under its own terms; we never see or store your full card details.

Country pages and help content link to government, regulator and other external sites. We do not control or endorse them and are not responsible for their content.

The Service, including its software, engine, scoring rules, tax tables, country content, translations, benchmark compilations, designs, text, trade marks and logos, is owned by Freeholt or its licensors and is protected by copyright, database, trade mark and other laws. Except for the limited right to use the Service under these Terms and the exports it provides, no rights are granted to you. Third-party data is used under licence from, or with attribution to, its sources.

• We aim to keep the Service available but do not promise uninterrupted or error-free operation. The Service may change, be interrupted for maintenance, or be discontinued in whole or in part. If we discontinue the Service or a paid capability, we will give reasonable notice and, for a paid period that has not been used, a pro-rata refund.
• You may stop using the Service at any time and may delete your account yourself from Settings. Deletion erases your data as described in the Privacy Policy and ends any paid plan without a refund except as the Refund Policy provides.
• We may suspend or terminate your account, with notice where practicable, if you materially breach these Terms, if we are required to by law, if your use creates a security or legal risk for us or others, or if the account has been inactive for a long period after we have warned you by email. On termination the licence in section 9 ends, and your data is erased as described in the Privacy Policy.
• Sections 4, 5, 9 (aggregated data), 13, 15, 16, 17, 19 and 21 survive termination.

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties, conditions or guarantees of any kind, express or implied, including any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, non-infringement, or that the Service will meet your requirements, be secure, timely or error-free, or that any figure will prove correct.

To the maximum extent permitted by law:

• neither Freeholt nor its directors, officers, employees, contractors, licensors or suppliers is liable to you for any indirect, incidental, special, consequential or punitive loss or damage, or for any loss of profit, revenue, income, investment return, opportunity, goodwill, data or business, or for any decision you make or do not make, or any tax, interest, penalty, borrowing cost or transaction cost you incur, arising out of or in connection with the Service or these Terms, however caused and whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if we were told it was possible;
• our total aggregate liability to you for all claims arising out of or in connection with the Service or these Terms in any 12-month period is limited to the greater of the fees you paid to Freeholt for the Service in the 12 months before the event giving rise to the claim and US$100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or under consumer protection laws that apply to you (section 18).

You will indemnify Freeholt against any claim, loss, liability and reasonable cost (including legal fees) arising from your breach of section 6 (other people's information) or section 7 (acceptable use), from advice you give to others using outputs of the Service, or from Your Content infringing anyone's rights. This section does not apply to you to the extent you are a consumer and the law where you live does not allow it.

If you are a consumer, you may have rights under the law of the country where you live that these Terms cannot change, and nothing in these Terms is intended to exclude, restrict or modify them. For example:

• In Australia, the Australian Consumer Law gives you guarantees that services will be provided with due care and skill, be fit for a disclosed purpose and be supplied within a reasonable time; where a failure is not major we may choose to fix it, and where it is major you may be entitled to cancel and obtain a refund. Our liability for a breach of a guarantee that may lawfully be limited is limited, at our option, to resupplying the service or paying the cost of resupply.
• In the United Kingdom and the European Economic Area, consumer contract rules give you rights in relation to digital content and services, including a 14-day right to cancel a distance contract (which the Refund Policy honours) and remedies where a service is not as described.
• In Singapore, the Consumer Protection (Fair Trading) Act protects you against unfair practices.

Where these Terms conflict with a right you have as a consumer that cannot be excluded, that right prevails.

These Terms and any dispute or claim arising out of or in connection with them or the Service are governed by the law of Singapore. Subject to the next paragraph, the courts of Singapore have exclusive jurisdiction.

If you are a consumer, this choice of law does not deprive you of the protection of mandatory provisions of the law of the country where you live, and you may bring a claim in the courts of that country where the law gives you that right.

Before starting a claim, please write to support@nestworth.com. We will try to resolve the matter with you in good faith within 30 days.

We may update these Terms. If a change is material, we will give you at least 14 days' notice by email to your account address or by a notice in the Service before it takes effect; a change required by law or to address a security or abuse issue may take effect sooner. The date at the top of this page is the date of the current version. If you do not agree to a change you may stop using the Service and delete your account before the change takes effect; continued use after that date is acceptance of the updated Terms. We record the version of the Terms each account accepted and when.

• These Terms, the Privacy Policy, the Refund Policy and (for business customers) the Master Service Agreement and Data Processing Agreement are the entire agreement between you and us about the Service.
• You may not assign or transfer these Terms. We may assign them to a successor of our business on notice to you.
• If any part of these Terms is found unenforceable, the rest remains in effect and the part is read down to the minimum extent needed.
• Our failure to enforce a right is not a waiver of it.
• Notices to you are sent to your account email address. Notices to us go to the address in section 22.
• Nothing in these Terms creates a partnership, agency, employment or fiduciary relationship.
• Neither party is liable for delay or failure caused by events beyond its reasonable control.
• These Terms are written in English; a translation is for convenience and the English text prevails.

[Freeholt Pte. Ltd.], [Registered office address], Singapore. Email: support@nestworth.com. Privacy and data protection: support@nestworth.com (mark the subject "Privacy" or "Data Protection Officer").