This Terms of Service Agreement (this "Agreement") is an agreement between you and Interactive Now LLC, doing business as NetWorth Levels ("NetWorth Levels," "we," "us" or "our"). This Agreement applies to the networthlevels.com website and the NetWorth Levels services, including any software, tools or other features offered by NetWorth Levels (collectively, the "Services"). This Agreement applies to all users of the Services ("Users").

BY ACCESSING OR USING OUR SERVICES, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THIS AGREEMENT, AND THAT YOU ARE OF LEGAL AGE TO FORM A BINDING CONTRACT WITH NETWORTH LEVELS.

IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SERVICES.

1. Description of Services

NetWorth Levels is a data-driven platform that allows users to anonymously share and analyze net worth information across different demographics, professions, and locations.

2. User Data and Content

2.1 Net Worth Data Submission

When you submit net worth data through our Services, you represent and warrant that:

• All information provided is accurate to the best of your knowledge
• You have the right to share such information
• The data does not contain any personally identifiable information beyond what is specifically requested
• You understand that your data will be used to create anonymized, aggregated statistics

2.2 Data Ownership and Usage Rights

You retain ownership of your individual net worth data. By submitting data to our Services, you grant NetWorth Levels a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive right and license to:

• Use, modify, anonymize, and aggregate your data for platform purposes
• Display your data in anonymized format and in aggregation with other users' data
• Use aggregated data for analysis and filtering features
• Store your data securely in accordance with our Privacy Policy

Once your data is anonymized and aggregated with other user data, such aggregated information becomes the property of NetWorth Levels and is no longer considered your individual data.

You acknowledge that no compensation is owed to you for our use of your submitted data or any aggregated data derived from it. You waive any rights to compensation to the maximum extent permitted by applicable law. NetWorth Levels will not share your individual, non-anonymized data with third parties.

2.3 Magic Link System

We use a secure, passwordless authentication system that allows you to access or delete your submission via a magic link sent to your email address. Magic links expire after 30 days for security purposes. Your email address is stored separately from your net worth data and is used solely for authentication purposes.

2.4 Data Storage

We have no obligation to store your data indefinitely. We may establish reasonable storage limits and delete or archive data as needed for platform operations, maintenance, or security purposes. We are not responsible for any loss or deletion of content, including your submissions.

3. Acceptable Use

3.1 Permitted Uses

You may use our Services to:

• Submit your net worth information anonymously
• View and analyze anonymized and aggregated net worth data
• Access your own submission via magic link
• Delete your own submission

3.2 Prohibited Uses

You agree not to:

• Submit false, misleading, or inaccurate net worth information
• Attempt to identify individual users from anonymized data
• Use automated tools, spiders, robots, scrapers, crawlers, or similar data mining tools to scrape, download, cache, or archive data from our platform
• Use site data to train any artificial intelligence or machine learning models without our prior written consent
• Build a similar or competitive website, application, or service using data or insights from our platform
• Attempt to reverse engineer, decompile, or compromise our security measures
• Use our Services for any illegal or unauthorized purpose
• Submit data containing personally identifiable information of others
• Interfere with or disrupt the proper functioning of our Services
• Create caches or archives of site content for purposes other than personal, non-commercial use

4. Data Accuracy and Verification

While we encourage accurate data submission, NetWorth Levels cannot independently verify the accuracy of user-submitted net worth information. All data is provided "as is" without warranty of accuracy. We reserve the right to review, flag, or remove submissions that appear to be outliers, questionable, or potentially fraudulent. For data quality purposes, we may contact users via email to verify unusual submissions before they are posted publicly.

5. Intellectual Property

5.1 Platform Content

The Services, including all software, designs, text, graphics, and other content, are owned by Interactive Now LLC and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our platform without permission.

5.2 User Content

You retain ownership of your net worth data submissions. By using our Services, you grant us the rights described in Section 2.2 above.

5.3 Feedback and Suggestions

If you provide us with any feedback, ideas, suggestions, or proposals about our Services ("Feedback"), you grant NetWorth Levels a fully paid, royalty-free, perpetual, irrevocable, worldwide, non-exclusive, and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such Feedback in any form or medium. You represent and warrant that you have all rights necessary to submit the Feedback and that NetWorth Levels has no obligation of confidentiality with respect to such Feedback. If you have feedback or suggestions, please contact us at team@networthlevels.com.

6. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information. Our Privacy Policy is incorporated into this Agreement by reference.

7. Electronic Communications

By using our Services, you consent to receive communications from us electronically, including via email and website notifications. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. We will communicate with you by email or by posting notices on our Services. You agree to keep your email address current and to check it regularly.

8. Service Availability

We strive to maintain continuous service availability, but we do not guarantee uninterrupted access to our Services. We may temporarily suspend or modify our Services for maintenance, updates, or other operational reasons.

9. Monitoring, Enforcement, and Removal Rights

NetWorth Levels reserves the right to, but has no obligation to:

• Monitor, review, and remove any content or submissions for any reason or no reason at our sole discretion
• Take any action we deem necessary if we believe content violates this Agreement, infringes intellectual property rights, or threatens user safety
• Investigate violations of this Agreement and cooperate with law enforcement authorities
• Disclose information about you or your submissions to comply with legal obligations, enforce this Agreement, or protect our rights and the rights of others
• Terminate or suspend your access to the Services for any violation of this Agreement or for any other reason at our discretion

If NetWorth Levels becomes aware of any possible violations of this Agreement, we reserve the right to investigate such violations. If we believe criminal activity has occurred, we reserve the right to refer the matter to law enforcement authorities.

10. Disclaimers and Limitations of Liability

10.1 No Warranty

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NETWORTH LEVELS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.

11. Indemnification

You agree to indemnify and hold NetWorth Levels harmless from any claims, damages, or expenses arising from your use of the Services or violation of this Agreement.

12. Termination

You may delete your submission and terminate your use of our Services through your magic link. We may suspend or terminate access to our Services for violations of this Agreement or for any other reason at our discretion, with or without notice.

13. Force Majeure

NetWorth Levels shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

14. Changes to Terms

We may update these Terms of Service from time to time. We will notify users of material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our Services after changes become effective constitutes acceptance of the updated terms.

15. Governing Law and Venue

This Agreement shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law principles. Subject to the Arbitration Agreement in Section 16, you agree that any legal action or proceeding arising out of or relating to this Agreement or the Services shall be brought exclusively in the state or federal courts located in Washington, and you hereby consent to the personal jurisdiction of such courts.

16. Arbitration Agreement

16.1 Agreement to Arbitrate

You and NetWorth Levels agree that any dispute, claim, or disagreement arising out of or relating to this Agreement or your use of the Services (each, a "Dispute") will be resolved by binding arbitration, rather than in court, except that: (1) either party may assert claims in small claims court if the claims qualify; and (2) either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

16.2 Waiver of Jury Trial

YOU AND NETWORTH LEVELS HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR JURY. You and NetWorth Levels are instead electing that all Disputes shall be resolved by arbitration. There is no judge or jury in arbitration, and court review of an arbitration award is limited.

16.3 Waiver of Class Actions

YOU AND NETWORTH LEVELS AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, REPRESENTATIVE, OR COLLECTIVE ACTION. Class arbitrations, class actions, and representative actions are not permitted. Only individual relief is available.

16.4 Arbitration Procedures

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The AAA Rules and filing fees are available at www.adr.org. The arbitration will be conducted in Washington State or another mutually agreed location. The arbitrator's decision will be final and binding, and judgment may be entered in any court of competent jurisdiction.

16.5 30-Day Right to Opt Out

You have the right to opt out of this Arbitration Agreement by sending written notice of your decision to opt out to team@networthlevels.com within thirty (30) days after first using the Services. Your notice must include your name, email address, and a clear statement that you want to opt out of this Arbitration Agreement. If you opt out, all other parts of this Agreement will continue to apply.

17. Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be made enforceable, it shall be severed from this Agreement. The remaining provisions of this Agreement shall remain in full force and effect.

18. Contact Information

If you have any questions about these Terms of Service, please contact us at:

• Email: team@networthlevels.com

19. Entire Agreement

This Agreement, together with our Privacy Policy, constitutes the entire agreement between you and NetWorth Levels regarding the use of our Services and supersedes all prior agreements, understandings, and communications, whether written or oral, between you and NetWorth Levels.