Terms of Service

By creating an account or using Patrimony, you agree to these Terms of Service. Patrimony is operated by Gabriele Denaro, an individual based in Italy. If you do not agree, please do not use the service.

Patrimony is a personal net worth tracking tool. You manually log balances for accounts you define, and the app visualizes and analyzes the numbers you enter.

Patrimony does not provide financial, investment, tax, or legal advice. Nothing in the app — including charts, benchmark comparisons, projections, or the Goal Calculator — is a recommendation to buy, sell, or hold any asset. All figures are plain arithmetic derived from the data you enter; always consult a qualified professional before making financial decisions.

You must be at least 18 years old to use Patrimony. You are responsible for keeping your login credentials secure and for all activity under your account. The data you enter is your responsibility — Patrimony has no way to verify the accuracy of balances you type in.

Premium is billed monthly or annually through Stripe and renews automatically until cancelled. You can cancel anytime from Settings — access continues until the end of the paid period. A 7-day free trial is available once per account; it converts to a paid subscription automatically unless cancelled before it ends.

Gift/redemption codes granting Premium access are issued at our discretion and are not a form of payment; they carry no cash value and cannot be exchanged for a refund.

As a digital service that begins immediately at your request, you acknowledge that your EU right of withdrawal may not apply once the paid or trial period has started, to the extent permitted by applicable law.

You agree not to misuse the service — this includes attempting to access another user's data, disrupting the service, reverse-engineering the app beyond what applicable law permits, or using the service for any unlawful purpose.

The Patrimony name, logo, and application code are the property of Gabriele Denaro. The data you enter remains yours — we claim no ownership over it, and you can export or delete it at any time.

Patrimony is provided "as is", without warranties of any kind. We do our best to keep the service accurate and available, but we do not guarantee uninterrupted access or error-free calculations. To the maximum extent permitted by law, Gabriele Denaro is not liable for any indirect, incidental, or consequential damages arising from your use of the service, including financial decisions made based on data displayed in the app.

You may stop using Patrimony and delete your account and data at any time (Settings → Danger Zone, or by contacting us). We reserve the right to suspend accounts that violate these terms.

These terms are governed by Italian law. Any dispute not resolved amicably will be subject to the jurisdiction of the competent Italian courts, without prejudice to any mandatory consumer-protection rights you may have under the law of your country of residence.

We may update these terms from time to time. Continued use of Patrimony after a change means you accept the updated terms. Material changes will be communicated by email where appropriate.

Questions about these terms? Write to gabriele.denaro@outlook.com.