Navena LLC
Terms of Service
Effective September 10, 2026
Please read these terms
These Terms of Service form an agreement between you and Navena LLC. By creating an account, accepting an invitation, or using Navena, you agree to these terms and our Privacy Policy. If you do not agree, do not use the service.
1. Eligibility and accounts
You must be at least 18 years old and legally able to enter a contract. You must provide accurate account information, protect your password and devices, and promptly notify us of suspected unauthorized access. You are responsible for activity under your account. During private testing, access is limited to people approved by Navena LLC and may not be transferred or shared.
2. What Navena provides
Navena provides educational budgeting, expense-planning, savings, and debt-payoff organization tools. Outputs are estimates based on information you enter and assumptions within the service. Features may be experimental, incomplete, changed, or removed during testing.
3. No financial, legal, tax, or credit advice
Navena does not provide financial, investment, legal, tax, accounting, or credit-repair advice and is not a bank, lender, financial adviser, credit counselor, or fiduciary. Navena does not move money, pay expenses, negotiate debts, or guarantee savings, payoff dates, credit outcomes, or financial results. You remain responsible for reviewing information, confirming amounts and due dates with the relevant institution, and deciding what actions to take. Consider consulting a qualified professional for advice about your circumstances.
4. Your information and permission to operate the service
You retain ownership of information you submit. You give Navena LLC limited permission to host, copy, process, transmit, and display that information only as reasonably needed to provide, secure, maintain, and improve Navena and as described in the Privacy Policy. Do not enter bank account numbers, card numbers, Social Security numbers, passwords, or other authentication credentials.
5. Acceptable use
You may not misuse Navena, violate law, infringe another person’s rights, access another user’s information, probe or bypass security, interfere with the service, introduce malicious code, use automated methods that burden the service, reverse engineer the service except where applicable law permits it, or use Navena to develop or train a competing product without written permission.
6. Navena ownership and license
Navena LLC owns Navena and its software, design, text, branding, and other service materials, excluding your information and third-party materials. Subject to these terms, Navena LLC grants you a limited, personal, revocable, nonexclusive, nontransferable license to use the service for your own lawful purposes. No other rights are granted.
7. Availability, changes, and beta testing
We may update, suspend, limit, or discontinue any part of Navena. The service may contain errors or experience interruptions, loss, delay, or failed synchronization. Keep independent records of information you need. Feedback is voluntary; if you provide it, you allow Navena LLC to use it without restriction or payment, without identifying you publicly unless you agree.
8. Third-party services
Navena relies on third-party services for functions such as authentication, data storage, analytics, and hosting. Their services and policies may apply separately. Navena LLC is not responsible for third-party services outside its control.
9. Account suspension and termination
You may stop using Navena and request account deletion at any time. We may suspend or terminate access if you violate these terms, create risk or legal exposure, misuse the service, or if testing or the service ends. Provisions that by their nature should survive termination will survive, including ownership, disclaimers, limits of liability, and dispute terms.
10. Disclaimers
To the fullest extent permitted by law, Navena is provided “as is” and “as available.” Navena LLC disclaims implied warranties, including merchantability, fitness for a particular purpose, title, and noninfringement. We do not warrant that the service will be uninterrupted, error-free, secure, or accurate, or that data will never be lost. Some jurisdictions do not allow certain disclaimers, so portions of this section may not apply to you.
11. Limitation of liability
To the fullest extent permitted by law, Navena LLC and its members, officers, employees, and contractors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, business interruption, or financial decisions arising from or related to Navena. Navena LLC’s total liability for all claims relating to the service will not exceed the greater of the amount you paid Navena LLC for the service during the 12 months before the event giving rise to the claim or $100. These limits do not apply where prohibited by law.
12. Governing law and disputes
Arizona law governs these terms, without regard to conflict-of-law principles. Any dispute that is not resolved informally will be brought in a state or federal court with jurisdiction in Maricopa County, Arizona, and each party consents to that venue and jurisdiction. Before filing a claim, you and Navena LLC agree to make a good-faith effort for 30 days to resolve it by contacting the other party. Nothing here prevents either party from seeking appropriate emergency or injunctive relief.
13. Changes to these terms
We may update these terms as Navena changes. We will provide notice appropriate to a material change. Continuing to use Navena after revised terms become effective means you accept them. If you do not accept revised terms, stop using the service.
14. General terms
These terms and the Privacy Policy are the complete agreement about your use of Navena unless a separate written agreement applies. If a provision is unenforceable, the remaining provisions remain effective. A failure to enforce a provision is not a waiver. You may not assign these terms without our consent; Navena LLC may assign them as part of a merger, reorganization, financing, sale, or transfer of the service.
15. Electronic communications and contact
You agree that notices and records concerning Navena may be provided electronically, including through the service or by email. Questions about these terms may be sent to support@navena.app.