Privacy Policy

Who We Are

Hermar Group LLC operates Netquity, an expense tracking and net worth management platform. Netquity is designed to help users organize financial information, monitor balances, review trends, and use planning tools and calculators.

Netquity is not a bank, broker-dealer, registered investment adviser, tax preparer, accounting firm, or law firm. Our service is software for recordkeeping, organization, and analysis.

Information We Collect

We collect information you provide directly when you create an account, join a waitlist, contact us, or use the service.

• Account and identity data, such as your name, email address, login credentials, and account status.
• Financial workspace data, such as projects, accounts, transactions, budgets, categories, assets, liabilities, balance history, goals, holdings, and preferences you choose to store.
• Communications and support information, such as waitlist submissions, support emails, and feedback.
• Technical and session information needed to operate the service, such as authentication tokens, browser information, IP address, timestamps, and security logs.
• Browser storage and preference data, such as theme, language, currency, hidden-balance preferences, and current workspace selections.

How We Use Information

We use personal information only as reasonably necessary to provide and operate the service, secure accounts, respond to requests, and improve the platform.

• Create, authenticate, maintain, and secure user accounts.
• Store and display your financial records and calculations.
• Provide dashboards, analytics, exports, imports, and financial planning tools.
• Send transactional communications such as confirmation, security, password-reset, or service notices.
• Respond to support inquiries, privacy requests, and legal notices.
• Detect abuse, prevent fraud, debug issues, and enforce our terms.
• Comply with legal obligations and protect the rights, safety, and property of users and our business.

Legal Bases

When data protection laws require a legal basis, we typically process personal information to perform our contract with you, comply with law, pursue legitimate interests such as security and service administration, or based on your consent where consent is required.

How We Share Information

We do not sell personal information. We do not share personal information for cross-context behavioral advertising.

We may disclose personal information in the following limited situations:

• Service providers that help us host, secure, authenticate, maintain, or support the service, including cloud and identity infrastructure providers such as Amazon Web Services and AWS Cognito, where applicable.
• Professional advisers, auditors, insurers, or acquirers when reasonably necessary for corporate operations, financing, or a merger, acquisition, reorganization, or asset sale.
• Law enforcement, regulators, courts, or other parties when required to comply with law, protect rights, investigate abuse, or prevent fraud or security incidents.
• Other users only when you intentionally use collaborative features or invite other members into a shared workspace.

Cookies and Similar Technologies

We use essential cookies and browser storage to keep you signed in, maintain session continuity, and remember product preferences. Our current cookie and storage practices are described in our Cookie Policy.

If we later introduce analytics, advertising, or other non-essential cookies, we will update our notices and request consent where required by law.

Retention

We retain personal information for as long as reasonably necessary to provide the service, maintain security, comply with law, resolve disputes, and enforce agreements.

Account and workspace data are generally retained until you delete them, request account deletion, or we no longer need them for the purposes described in this policy. Some records may be retained longer where required for legal, tax, accounting, anti-fraud, backup, or security reasons.

Security

We use administrative, technical, and organizational safeguards designed to protect personal information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

International Transfers

Your information may be processed in countries other than your country of residence. Where required, we use appropriate safeguards for cross-border transfers.

Your Rights and Choices

Depending on where you live, you may have rights to access, correct, delete, export, or limit certain uses of your personal information. You may also have the right to appeal a denied request or designate an authorized agent.

To submit a privacy or deletion request, contact us at support@hermargroup.com. We may need to verify your identity before completing a request. If you are a California resident, you may also have rights under the California Consumer Privacy Act, as amended.

Children

Netquity is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, contact us and we will take appropriate steps.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated version here and update the effective date above. Material changes may also be communicated through the service or by email when appropriate.