Last updated: 11 August 2026
These terms govern your use of Meadow, a personal net worth dashboard operated by James Hammond, an individual based in the United States ("we", "us"). By using Meadow you agree to them. If you do not agree, do not use the service.
Meadow consolidates financial account information you provide — by manual entry, by importing files from your financial institution, or by authorizing a read-only account connection — and presents it as a dashboard: total net worth, holdings, asset allocation, cost basis, realized and unrealized gains, investment fees, and history over time.
Meadow is an informational tool. It is not a bank, broker-dealer, investment adviser, tax adviser, accountant, or custodian of funds. It holds no money and executes no transactions.
Meadow is unfinished software in private beta, provided free of charge to a small invited group. Features may change or be removed without notice, the service may be unavailable, and displayed figures may be incomplete or incorrect. You should verify anything that matters against your financial institution, which remains the authoritative record of your accounts.
Nothing in Meadow is financial, investment, legal or tax advice, and nothing in it is a recommendation, solicitation or offer to buy or sell any security. Meadow does not recommend securities, does not propose portfolios or target allocations, and does not provide personalized investment advice.
Where the service displays analysis of accounts you already hold — such as positions currently at an unrealized loss, drift from allocation targets you set yourself, or the expense ratios of funds you own — that analysis is descriptive information about your own portfolio. It is not a recommendation to take any action. You are solely responsible for your financial decisions, and should consult a qualified professional before making them.
Meadow requests read-only access to any account you connect. It cannot and will not place trades, transfer funds, or withdraw money, and it does not request the permissions that would allow it to.
You must be at least 18 years old and resident in the United States. Access is by invitation, and we may grant, decline or withdraw it at our discretion.
Sign-in is delegated to Google; Meadow has no passwords of its own. You are responsible for the security of the Google account you use to sign in, including keeping two-factor authentication enabled on it. Anyone who can access that Google account can access your Meadow data. Tell us promptly if you believe your account has been compromised.
You retain all rights to the financial information you put into Meadow. You grant us only the limited permission needed to store, process and display it back to you, and to operate and maintain the service. We do not sell it or use it for advertising. See the Privacy Policy for details, including what is stored, how it is protected, and the operator-access disclosure.
You are responsible for having the right to provide any information you upload, and for not uploading another person's financial information without their consent.
Connecting an account is optional. When you connect one, you authenticate directly with your financial institution or with an account-connection provider acting on its behalf, subject to that party's own terms. We are not responsible for the accuracy, completeness or availability of data supplied by them, or for the acts or omissions of your financial institution. You may revoke a connection at any time.
You agree not to:
The service is provided "as is" and "as available", without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that any figure it displays is accurate.
Meadow runs on self-managed hardware with no guaranteed uptime and no redundant infrastructure. Data may be lost. Keep your own records.
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, investment losses, tax consequences, lost data, or lost opportunity, arising from your use of or inability to use the service — including any decision you make in reliance on information it displays.
Our total aggregate liability arising out of or relating to the service will not exceed one hundred United States dollars (US$100). The service is provided free of charge, and this allocation of risk is a basis on which it is offered.
Some jurisdictions do not allow certain exclusions or limitations, in which case the above apply to the maximum extent permitted.
You agree to indemnify and hold us harmless from any claim arising out of your misuse of the service, your violation of these terms, or your violation of the rights of a third party.
You may stop using Meadow at any time and ask us to delete your data; see the Privacy Policy. We may suspend or terminate access at any time, including if we discontinue the service. If we discontinue it, we will give reasonable notice and an opportunity to export your data. Sections 3, 6, 9, 10, 11 and 13 survive termination.
These terms are governed by the laws of the State of California, United States, without regard to its conflict-of-laws rules. The state and federal courts located in the City and County of San Francisco, California have exclusive jurisdiction over any dispute, and you and we consent to that venue. Before filing anything, please contact us — at this size, nearly everything is better resolved by email.
We may revise these terms as the service changes. The "last updated" date reflects the most recent revision, and we will notify users directly of material changes rather than relying on a silent edit. Continued use after a change means you accept it.
hello@net-worth.xyz — see the contact page for privacy and security addresses.