Version 2026-09-05.2 · Last updated: 5 September 2026
These terms govern your use of Meadow. They are a binding agreement, so they are written to be read rather than skimmed past. If you do not agree to them, do not use the service.
Meadow shows you your own financial information. It is unfinished software, run by one person on hardware in his home, given to you free. It is not advice, it cannot move your money, and the figures it shows you may be wrong — your financial institution is the real record. If something goes wrong, what you can recover from us is capped at $100, except where the law does not allow that. The Privacy Policy sets out what is stored, how it is protected, and who can reach it.
This summary is not part of the agreement and does not change what follows.
These terms are an agreement between you and James Hammond, an individual residing in California, United States, doing business as "Meadow" ("Meadow", "we", "us", "our"). There is no company: Meadow is operated by one person, not by an entity.
"The service" means the Meadow application, the websites at
net-worth.xyz and meadow.net-worth.xyz, and anything we provide through
them. "You" means the person accepting these terms.
The Privacy Policy forms part of this agreement and is incorporated into it by reference. Where the two conflict, the Privacy Policy governs how we handle your information and these terms govern everything else.
You accept these terms by indicating your agreement when you sign in. We record which version you accepted and when. This version is identified at the top of this page, and every version we publish carries its own identifier.
If you do not accept them, you cannot 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; that is a change to the service, and it is different from a change to these terms, which is governed by section 21.
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.
The service is free, and we will not begin charging you by amending these terms. If we ever charge for Meadow, we will ask you to accept new terms that say so before any charge is made.
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.
The service displays analysis of accounts you already hold — for example, positions currently at an unrealized loss, how far your holdings have moved from allocation targets you set yourself, or the expense ratios of funds you own. That analysis is descriptive information about your own portfolio. Some of the thresholds that decide when something is highlighted are chosen by us, not by you; that choice is a display decision and is not a judgement about what you should do.
Nothing the service shows you is 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 represent and warrant that:
Access is by invitation. We may grant, decline or withdraw it, and section 17 says what happens to your data if we do.
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.
If you believe your Google account or your Meadow access has been compromised, tell us at security@net-worth.xyz within 48 hours of becoming aware of it. Delay may affect how any resulting loss is allocated between us.
You retain all rights to the financial information you put into Meadow. You grant us a non-exclusive, royalty-free licence to store, process and display that information, and to create records derived from it, for the sole purpose of operating, maintaining and supporting the service for you. This licence ends when your information is deleted.
"Records derived from it" means things the service computes rather than things you typed — tax lots, realized and unrealized gains, historical snapshots, and reconciliation records. They are treated as your information for every purpose in this agreement and in the Privacy Policy, including deletion.
We do not sell your information, use it for advertising, or use it to train machine-learning models. You must not upload another person's financial information without their consent.
Your information is encrypted at rest and in transit, held in a store separate from every other user's, and the tools used to operate the service mask other users' figures automatically. Section 6 of the Privacy Policy sets out who can reach your data and the controls around that access; read it before deciding to use the service.
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 — currently SnapTrade, Inc. The provider offered to you is shown in the application at the time you connect, and may change.
You may end a connection at any time using Disconnect in the application, which also removes it at the connection provider. Revoking access at your financial institution instead also works, but we have measured that it does not always take effect immediately at the connection provider, so Disconnect is the reliable route. See section 4 of the Privacy Policy.
The service also depends on third parties we choose: Google for sign-in, Cloudflare for network delivery, and market data providers for security prices. Your use of any third-party service is governed by that party's own terms, and we are not responsible for the accuracy, completeness or availability of anything they supply, or for the acts or omissions of your financial institution.
Security prices shown in the service come from third-party sources. They may be delayed, incomplete or wrong, are provided for your personal informational use only, and may not be redistributed.
We own the service — the software, the interface, the design, and the Meadow name — and all rights in it that are not expressly granted to you. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to use the service for your own personal, non-commercial purposes, subject to this agreement. No trademark rights are granted.
Feedback. If you send us feedback, suggestions, bug reports or ideas, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use them for any purpose, without restriction, attribution or compensation. Feedback is not confidential and creates no obligation to you. This is a beta whose purpose is to gather feedback, so please send it — this clause exists to prevent a later dispute about ownership, not to discourage you.
You agree not to:
We welcome good-faith security research, and this section is our commitment to you rather than a caveat. If you stay within the limits below, we will not pursue civil claims against you, and will not refer you for prosecution, under the Computer Fraud and Abuse Act, California Penal Code section 502, the Digital Millennium Copyright Act section 1201, or any similar law, and we will treat your testing as authorized.
The limits:
There is no bug bounty programme; we cannot pay for reports.
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, NON-INFRINGEMENT, OR ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. We do not warrant that the service will be uninterrupted or error-free, or that any figure it displays is accurate.
Meadow runs on self-managed hardware in a private residence, with no guaranteed uptime and no redundant infrastructure. We take periodic backups, but a backup is not a guarantee: data written since the last one can be lost, and we do not warrant that any backup can be restored. Keep your own records. Your financial institution, not Meadow, is the authoritative record of your accounts.
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. This limit applies even if a remedy provided in this agreement is found to have failed of its essential purpose.
What this section does not cover. Nothing in this agreement limits or excludes our liability for:
You will indemnify us against any loss, damage, judgment, settlement, cost or expense, including reasonable attorneys' fees, arising from a third-party claim caused by your breach of section 12 (Acceptable use), your breach of your representations in section 7 (Eligibility), or your violation of a third party's rights.
This does not apply to any claim arising from our own negligence, gross negligence or willful misconduct.
If we seek indemnity, we will notify you promptly and give you the opportunity to control the defence with counsel of your choosing, provided you do not settle any claim in a way that imposes an obligation or admission on us without our written consent. We may participate in the defence at our own expense.
You may stop using Meadow at any time. You may ask us to delete your information at any time, and we will; see section 7 of the Privacy Policy for what deletion covers and how long it takes.
You may ask for a copy of your information at any time, by emailing privacy@net-worth.xyz, and we will provide it in a machine-readable format within 30 days. Today this is done by hand on request rather than by a button in the application.
We may suspend or terminate your access, with or without cause. If we terminate your access other than for a breach of section 12, you will have 30 days from the date we tell you to request a copy of your information before it is deleted.
If we discontinue Meadow, we will give you at least 30 days' notice, your information will remain available for export throughout that period, and it will not be deleted earlier than 30 days after the service stops.
Meadow is operated by one person. If that person dies or becomes unable to operate the service, no one else holds the encryption keys, and the service will stop. Our intention, recorded here so that you can weigh it, is that in those circumstances the hardware holding your information is destroyed rather than transferred, and that the people listed in the operator's personal affairs are asked to notify you. We cannot promise the timing of either. If your financial records matter to you, keep your own copies; this is the most concrete reason why.
Before either of us files anything, we have to talk. This is a condition of bringing a claim, not a suggestion.
A party with a dispute must first send a written Notice of Dispute to the other: to us at hello@net-worth.xyz, and to you at the email address associated with your account. The notice must state the sender's name, the email address associated with the account, the facts of the dispute, and the specific relief sought.
For 60 days after a Notice of Dispute is sent, neither party may begin proceedings, and both will make a good-faith effort to resolve the matter. Any applicable limitations period is paused during those 60 days. Either party may bring an individual claim in small claims court at any time without sending a notice first.
This agreement contains no arbitration clause and no waiver of your right to a jury trial or to participate in a class action. Disputes go to court, as set out in section 20.
This agreement is 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, and you and we consent to that venue.
Nothing in this section limits your rights under the consumer-protection laws of the state where you live, where those rights cannot be waived by agreement.
Any claim arising out of or relating to the service must be brought within one year after the claim arose, or it is permanently barred, except where a longer period is required by law.
We may revise these terms as the service changes. Every version carries a version identifier and a date.
If a change is material, we will ask you to accept the new version, and you will not be able to continue using the service until you do. A change is material if it reduces your rights, expands ours, introduces or changes fees, changes how your information is used or shared, changes how disputes are resolved, or changes the governing law or the party you are contracting with.
Anything else — corrections, clarifications, restructuring that does not change the substance — is published with a new version identifier and does not require you to accept it again.
Notice to you is given in the application, and is effective the next time you sign in. Where we hold an email address for you, we may also use it, and email notice is effective when sent. In-app notice is the channel we can always reach you on; see section 1 of the Privacy Policy for why we hold as little contact information as we do.
Notice to us is given by email to hello@net-worth.xyz, and is effective when sent. A postal address for formal legal notice is available on request from the same address.
You consent to receive all communications, agreements and notices from us electronically, and agree that electronic records satisfy any legal requirement that they be in writing. To receive and keep them you need a device with a modern web browser and internet access, and an email account. You may withdraw this consent by closing your account, which ends your use of the service.
Entire agreement. This agreement and the Privacy Policy are the complete agreement between you and us about the service, and replace any earlier statement, representation, guide, document or message about it, including anything on the rest of this site or in an invitation we sent you. Nothing in this clause excludes liability for fraud.
Severability and reformation. If any provision is held unenforceable, it will be reformed to the minimum extent necessary to make it enforceable, or if it cannot be, severed. The rest of the agreement remains in force.
No waiver. If we do not enforce a provision on one occasion, that is not a waiver of it, and does not prevent us enforcing it later.
Assignment. You may not assign or transfer this agreement. We may assign it to an entity we form to operate Meadow, or to a successor of the business. If we do, we will tell you, and because it changes the party you are contracting with it is a material change under section 21 — so we will ask you to accept it.
Force majeure. We are not liable for any failure or delay caused by something outside our reasonable control, including power and network failure, hardware failure, the acts of a third-party service, natural disaster, or government action.
Survival. The following survive termination of this agreement, in addition to any provision which by its nature should survive: Who this agreement is between; No financial, investment or tax advice; your representations under Eligibility; your warranty under Your data that you had the right to provide it (but not the licence granted in that section, which ends on deletion); Our rights, and your licence to use the service, as to our ownership and the feedback licence; Availability, and no warranty; Limitation of liability; Indemnity; Resolving a dispute; Governing law and venue; Notices; and this section.
hello@net-worth.xyz for anything about these terms, privacy@net-worth.xyz for your data, and security@net-worth.xyz for security reports. See the contact page.