Axiom Wealth is a wealth calculator and simulator for personal organization. It is NOT financial, investment, legal, tax or accounting advice and creates no fiduciary or advisory relationship. We are not a bank, broker, lender or custodian of your money; we do not execute trades or payments. Consult qualified professionals before decisions requiring their expertise. These boundaries describe the service and do not remove our own legal responsibilities. Scheduled transfers are reminders with the entry prepared: an internal record between your own accounts. The app does not connect to any bank, does not move money and does not ask for banking credentials; you make the transfer wherever it belongs.
Debt Clinic, Goals, Forecast, budgets and Reality Lab produce mathematical estimates from available data and assumptions. They do not predict the future or guarantee solvency, savings, returns or dates. Changing income, rates, expenses, inflation, fees and unforeseen events affect results. Check assumptions and actual contracts; demonstration figures are not your data. A saved reality starts from a snapshot of your data taken on a date and frozen: its figures do not update by themselves and the screen states when that starting point was taken.
Avalanche, snowball, extra contributions and monthly plans compare modeled outcomes. An option with a shorter calculated term or lower interest does not establish suitability for your circumstances. Not every penalty, obligation or need is necessarily considered. You decide; the app does not negotiate debt, order payments or change contracts. Comparing realities describes the difference between them; it does not rank them or mark any as recommended.
Indicators are arithmetic comparisons or model thresholds. They do not determine usury, illegality, unfair contract terms or a right to stop paying. That assessment depends on law, the contract and competent authorities or courts. Check rates, frequency, charges and legal limits with authoritative sources. For a credit card, you declare the statement day and the interest by copying them from your statement: the interest the app computes is an ESTIMATE from those figures and may not include fees, insurance, commissions or the issuer’s compounding method. Your issuer’s statement always prevails.
You are responsible for providing accurate and complete data and checking results. CSV, OFX/QFX, QIF, XLSX, PDF and OCR may involve reading, sign, currency or date errors, duplicates or omissions. Automated detection and reconciliation are not an audit. Compare transactions and totals with originals before relying on them; this duty does not exclude our liability for app defects.
Portfolio book valuation uses average cost; it is not current market value, realizable value or a tax basis. Optional quotes come from the service you configure or files you import. They may be delayed, incomplete or wrong; format checks do not certify accuracy. We do not guarantee third-party data or availability, and no screen recommends buying, selling or holding an asset.
External and fallback rates are approximate references. They may be outdated, omit currencies or mix fallback and online values. The request date does not prove each rate is current. They are not exchange offers and may exclude spreads, fees and taxes. Check the actual available rate before transacting. In shopping mode, the amount left in an envelope held in another currency uses the rate FIXED WHEN IT WAS OPENED: it does not move during the trip and may differ from the rate your bank applies.
Restoration requires a valid backup file and its corresponding passphrase; a passphrase without the file cannot recreate data. Browser passphrase, PIN, backup passphrase and family code may differ. We neither hold nor regenerate your secrets and have no backdoor. If you lose access and the necessary copies or keys, information may be unrecoverable. Test backups and store secrets separately.
Deleting site or profile data, using private browsing, switching browsers or automatic removal when storage is low can cause vault loss. Browser persistence does not replace an external backup. Reinstalling or changing devices does not by itself restore data.
Check each backup's contents and restoration: do not assume every setting or file is included. Exported CSV, PDF and images lack vault encryption. You are responsible for choosing suitable destinations and recipients, keeping copies and protecting generated files. We are not an archival, recovery or regulatory recordkeeping service.
Sharing a package and its keys grants access to included content. Encryption cannot stop recipients copying or disclosing it, and unpairing does not revoke previous copies. External folders may suffer conflicts, delays or file loss. Review recipients, permissions and each synchronization result; avoid sensitive names in visible invitations.
Digital inheritance stores contacts and intervals locally. It does not verify death, automatically send email, execute a will or legally transfer ownership. Arrange access and succession through appropriate means. You represent that you have a lawful basis to record and share others' data and meet information duties. Only where law permits, you are responsible for proven damages and reasonable costs of third-party claims caused by your culpable unlawful disclosure; not for our acts or under a general duty to defend us.
Reports, Axiom score, achievements and observations are informational tools, not credit ratings, solvency certificates or official accounting or tax documents. Models do not necessarily apply every tax rule in your country. Check taxes, filings and duties with a professional. Reminders can fail or be delayed: verify deadlines through other means. When a report compares a month with your own average, it describes your data: it does not assess your management or indicate what to cut.
The app is not directed at children under 13. You must meet any higher local age, contractual capacity and representative authorization requirements. Use the app only for information you may lawfully process. A store rating does not grant contractual capacity or replace consent requirements.
You receive a personal, non-exclusive license subject to store rules and legal exceptions for use, interoperability and copying. You do not acquire the app's intellectual property; your data remains yours. Axiom Pro is a one-time purchase without subscription renewal for features described in the offer: expanded debt and goal limits, scenarios, inheritance, family, synchronization and exports, depending on platform. Price, taxes and availability appear before payment. Restoration requires the purchase account, store and compatibility; no cross-store transfer or unavailable platform features are promised. The purchased license has no periodic fee; it does not imply perpetual maintenance or compatibility.
Request refunds through the purchase store or contact us for help; its procedures do not reduce legal rights against the responsible party. EU consumers have a 14-day withdrawal period where applicable. For immediately supplied digital content, that right is lost only when legal conditions are met: prior express consent to begin, acknowledgment of the loss and required confirmation on a durable medium. Using the app or accepting these terms alone does not constitute that waiver. Remedies for nonconformity and more favorable local rights remain.
We may change or discontinue features for technical, legal or security reasons, respecting the purchased offer, required updates and legal remedies. We will give reasonable notice of adverse changes or discontinuation where possible; legal or security emergencies may require earlier action. Ending support does not authorize deliberate deletion of your data: we will preserve local access and a reasonable backup or export opportunity to the extent within our control. Future compatibility of systems, stores or external services cannot be guaranteed.
Encryption reduces risk but does not eliminate errors, malware, lost keys or access from an unlocked device. There is no promise of invulnerability, military-grade protection or FIPS 140-3/CMVP validation. Secure your device and check backups. Comply with applicable encryption, export, re-export and sanctions restrictions; do not use or distribute the app where prohibited. This does not transfer the publisher's own regulatory obligations to users.
To the extent permitted by law, the app is provided with its available functionality without voluntary warranties of financial results or uninterrupted operation. Statutory conformity warranties are not excluded. Only where legally permissible, indirect damages, lost profits and lost opportunities arising from use or personal financial decisions are excluded. For liability that may lawfully be capped, the aggregate cap is the total paid for your license or the statutory minimum, whichever is greater. If that cap is invalid, it does not apply.
No exclusion or cap applies to intentional misconduct, fraud, gross negligence, death or injury, data protection violations whose liability cannot be limited, or mandatory consumer rights. Nor does it remove statutory remedies for defective products or breaches of essential obligations where these cannot be limited. A free version does not remove these reservations.
Mandatory applicable rules prevail, including those of your residence as a consumer. There is no mandatory arbitration, class-action waiver or exclusive venue preventing recourse to the competent court or authority where you live. Each exclusion and cap is separate: an invalid one is disapplied, without judicial rewriting where prohibited, and the remainder continues as permitted. Not exercising a right immediately is not a waiver. No translation may reduce mandatory protections.
Store terms govern distribution, accounts, payment and use on compatible devices without removing our product obligations. For Apple downloads, its standard EULA applies unless a valid custom EULA is supplied: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/. These notices supplement it where compatible; they are not presented as replacing mandatory clauses. Third-party components retain their license terms. Product support: soporte@navioscorp.com.
Read these terms and the privacy policy before accepting. Contractual acceptance does not waive rights or provide blanket privacy consent. The accepted version is stored locally; we do not claim to hold a remote receipt or shift a burden of proof legally belonging to us. Material changes will be communicated before taking effect and new acceptance requested where required; they do not retroactively change acquired rights. Questions or complaints: soporte@navioscorp.com.
Axiom Wealth calculates and simulates from your data. It is not financial, investment, legal, tax or accounting advice. Results are not guaranteed; your legal rights remain.
A mathematical projection based on data and assumptions, not a prediction. Changing rates, income or expenses changes the outcome.
Comparison of calculated time and interest from your data. It does not determine which strategy suits you or order a payment.
Arithmetic rate comparison. It does not determine usury or illegality; those depend on law and the competent authority.
Book value uses average cost. Quotes from your chosen provider may be delayed or wrong. This is not a buy or sell recommendation.
This CSV, PDF or image leaves without vault encryption. Check its content and save or share it only with appropriate recipients.
You need the backup and its correct passphrase to restore. We cannot regenerate them. Store them separately and test that the copy opens.
Deleting site data may erase your vault. The browser may also delete it. Keep an external backup and its passphrase.
These figures are not an official tax filing or calculation. Review applicable rules and taxes with a professional.
Importing and OCR may omit or misinterpret data. Compare dates, currency, signs and totals with the original before confirming.
Recipients with the keys can read and copy included content. Encryption protects content; unpairing does not erase copies already delivered.