Terms & Conditions

1. Agreement

These terms govern your purchase and use of Golden Tool, a web application and website operated by Nevian Enterprise LLC ("we"). By purchasing or using Golden Tool you agree to them.

2. The product

Golden Tool is a digital budgeting tool: you set a monthly spending limit, record expenses and see summaries, pace and insights. Optional add-ons (Golden Freedom, Golden Goals, Golden Vision) and Lifetime Access are sold separately. Nothing physical is shipped.

3. Purchase and delivery

Orders are processed by our payment provider, which acts as merchant of record and issues your invoice. After payment you receive access instructions by email and on the confirmation page: open the app and sign in with the email used at checkout. Add-ons unlock automatically on that account.

4. Access period

Golden Tool includes 12 months of access from first use. After that, the app becomes read-only: you can still view and export your data, but not add new entries, unless you hold Lifetime Access. Prices are shown in US dollars and include any applicable taxes collected at checkout.

5. Refunds

A 60-day money-back guarantee applies to every order, as described in our Refund Policy.

6. Your account

You are responsible for keeping your password private and for the activity on your account. One account per person; do not share access. We may suspend accounts that abuse the service.

7. Not financial advice

Golden Tool is an educational tool. It does not provide financial, investment, tax or legal advice, and it does not guarantee any outcome. Numbers such as "safe to spend", projections or payoff dates are calculations based solely on what you enter. Decisions remain yours; consult a qualified professional for advice on your situation.

8. Intellectual property

The software, design and content are ours or our licensors'. You receive a personal, non-transferable license to use the app. You may not copy, resell or reverse-engineer it. Your own data stays yours.

9. Availability and changes

We work to keep the service available but do not guarantee uninterrupted access. We may improve or change features. Export your data at any time from Settings → Data.

10. Limitation of liability

To the extent permitted by law, our total liability for any claim related to Golden Tool is limited to the amount you paid for the product in question. We are not liable for indirect or consequential losses.

11. Governing law

These terms are governed by the laws of the State of Wyoming, United States, without prejudice to mandatory consumer protections of your country of residence.

12. Contact

office@nevian.io · Nevian Enterprise LLC, 525 Randall Ave, Ste 100-865, Cheyenne, WY 82001, United States