Terms of Use

These Terms of Use govern your access to and use of Klarmo. By creating an account or using the service, you agree to these terms.

Klarmo is a personal net worth tracking application that lets individuals and family offices aggregate their net worth, cash flow, and portfolio data across asset types. Features may change over time as we improve the product.

You're responsible for the accuracy of the information you provide and for keeping your login credentials confidential. You're responsible for all activity on your account. If you believe your account has been accessed without authorization, contact us immediately. We recommend enabling two-factor authentication.

You agree not to attempt unauthorized access to any part of the service, probe or test its security without permission, interfere with or disrupt the service, upload malicious code, or use Klarmo to violate any law or the rights of others.

You own the data you enter into Klarmo. You grant us a limited license to store and process it solely to provide the service to you. If you enter information about a family member or another person — for example, in a family office's shared portfolio — you're responsible for having the right to do so.

Klarmo is a tracking and reporting tool. It does not provide investment, legal, tax, or accounting advice. You're responsible for independently verifying any values, calculations, or reports before relying on them.

We aim to keep Klarmo available at all times but don't guarantee uninterrupted access. We may need to pause the service for maintenance or in response to security concerns.

Paid plans are billed according to the plan you choose — see our Pricing page. We'll give you reasonable notice of any price changes. Fees are generally non-refundable except where required by law.

You can stop using Klarmo and close your account at any time. We may suspend or terminate your access if you violate these terms, don't pay applicable fees, or use the service in a way that harms Klarmo or other users. You can request an export of your data before closing your account.

Klarmo is provided "as is." To the maximum extent permitted by law, we're not liable for indirect, incidental, or consequential damages, including lost profits or data. Our total liability for any claim is limited to the amount you paid us in the twelve months before the claim arose.

You agree to indemnify Klarmo against claims arising from your use of the service, the data you enter, or your violation of these terms.

We may update these terms from time to time. Continuing to use Klarmo after a change means you accept the updated terms.

Questions about these terms? Use the contact form linked in the footer below.