SaaS Platform Agreement

This Terms of Service agreement ("Agreement") governs your use of the Nova Wealth Path SaaS platform ("Platform," "Service") provided by Nova Wealth Creations, LLC ("Company," "we," "us").

Platform Information:
Nova Wealth Path - Financial Management SaaS Platform
Operated by: Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464
Platform Support: support@novawealthpath.com
Phone: (757) 276-1752

Note: These terms apply specifically to the Nova Wealth Path SaaS platform. For Nova Wealth Creations consulting services, please see our consulting terms of service.

Nova Wealth Path Platform

Nova Wealth Path is a Software-as-a-Service (SaaS) financial management platform offering:

Platform Features

• Financial Dashboard: Personal and business financial overview
• Budget Management: Income and expense tracking tools
• Goal Setting: Financial goal creation and progress tracking
• Reporting: Financial reports and analytics
• Data Integration: Bank and account connection capabilities

Subscription Tiers

• Starter: Free tier with basic features
• Growth: Personal financial management tools
• Business: Business financial management features
• Enterprise: Advanced portfolio and business tools

Subscription Terms and Billing

Subscription Plans

• Free Tier (Starter): No payment required, limited features
• Paid Tiers: Monthly or annual billing options available
• Automatic Renewal: Subscriptions renew automatically unless cancelled
• Plan Changes: Both upgrades and downgrades are prorated with immediate effect
  • Upgrades: You're charged the prorated difference for the remainder of your billing period
  • Downgrades: You receive a prorated credit applied to your next invoice
  • Changes apply immediately upon confirmation

Billing and Payment

• Payment due in advance for subscription periods
• Automatic billing on renewal date unless cancelled
• Payment methods: Credit card, debit card, or other approved methods
• Failed payments may result in service suspension
• All fees are non-refundable except as required by law

Billing Notifications: We will send email notifications before billing and provide receipts after successful payments. You can view billing history in your account dashboard.

Price Changes

• We may change subscription prices with 30 days advance notice
• Price changes apply to new billing cycles, not current subscriptions
• You may cancel before price changes take effect
• Grandfathered pricing may be available for existing subscribers

Cancellation and Refund Policy

Easy Cancellation

• Cancel anytime through your account settings
• Contact support at support@novawealthpath.com for assistance
• Cancellation takes effect at the end of your current billing period
• You retain access to paid features until the end of your billing period
• No cancellation fees or penalties

Refund Policy

• 7-Day Trial Period: Full refund available within 7 days of first paid subscription
• Service Issues: Refunds considered for significant service outages or technical problems
• Billing Errors: Immediate refund for incorrect charges or billing mistakes
• Plan Changes: Downgrades receive prorated credits (applied to future invoices), not cash refunds
• No Partial Refunds: No cash refunds for partial billing periods after the 7-day trial period
• Processing Time: Refunds processed within 5-10 business days

User Responsibilities and Account Security

Account Management

• Provide accurate registration information and keep it updated
• Maintain confidentiality of your login credentials
• Use strong passwords and enable two-factor authentication when available
• Notify us immediately of any unauthorized account access
• You are responsible for all activity under your account

Data Responsibility

• You are responsible for the accuracy of financial data you input
• Regularly backup important financial information
• Review and verify all data before making financial decisions
• Ensure you have rights to any data you upload to the platform

Service Availability and Platform Changes

Platform Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service
• Scheduled maintenance will be announced in advance when possible
• Emergency maintenance may occur without advance notice
• Service credits may be provided for significant outages

Platform Updates and Changes

• We regularly update the platform with new features and improvements
• Minor updates and bug fixes may occur without notice
• Major feature changes will be communicated to users
• We may discontinue features with reasonable advance notice
• Legacy features may be phased out with migration assistance

Data Protection and Privacy

Your privacy and data security are important to us. Our collection and use of personal and financial information is governed by our Privacy Policy.

Account Termination

Your Right to Terminate

• Cancel subscription anytime through account settings
• Request complete account deletion
• Export your data before account closure
• No termination fees or penalties

Our Right to Terminate

• Suspend accounts for terms violations or non-payment
• Terminate accounts for illegal activity or abuse
• Discontinue service with reasonable advance notice
• Provide data export opportunities before termination when possible

Geographic Access Restrictions

Service Territory

All Nova Wealth Path SaaS platform services, including account registration, subscription management, and platform access, are provided exclusively within the territorial boundaries of the United States.

Access Control

We employ automated geographic detection systems to verify user location. Users attempting to access the platform from outside the United States will be automatically denied access and redirected to a geographic restriction notice.

Account and Subscription Implications

Geographic restrictions affect platform access in the following ways:

• Account registration requires US-based location verification
• Platform access is subject to ongoing geographic verification
• Subscription billing is processed through US-based payment systems
• Customer support services are provided under US jurisdiction

Compliance Framework

These geographic restrictions ensure compliance with US financial service regulations, data protection laws, and our operational licensing requirements. Access determinations are made through automated geographic detection systems as part of our regulatory compliance and security framework.

Dispute Resolution

Resolution Process

1. Platform Support: Contact support@novawealthpath.com first
2. Direct Communication: We'll work to resolve issues promptly
3. Escalation: Unresolved issues may be escalated to management
4. Legal Jurisdiction: Virginia Beach, Virginia courts have jurisdiction

Support Response: We aim to respond to all support requests within 24 hours during business days.

Contact Information

For questions about these Terms of Service or platform support:

Platform Support
support@novawealthpath.com
Response time: Within 24 hours

Business Contact
(757) 276-1752
Business hours: Mon-Fri 9AM-5PM EST

Mailing Address
Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464