Terms

What this is

MyNewt is a private record book for savings, investments, debts and reward points. It is run by one person, not a company, and you can only join by invitation. You need to be 18 or over to use it.

Membership

Pro is free for your first 15 days, and no card is asked for; if you joined earlier, you keep the free days you were offered then. After that, Pro carries on only if you subscribe or we arrange it with you — and in any case up to a few days before the end of the calendar month your free days end in, in case you change your mind; otherwise your account moves to Basic. On Basic everything you added stays and you update accounts yourself; bank connections are handed back when Pro ends. The price is shown on Membership before anything is charged.

It only ever reads

MyNewt cannot pay, transfer, trade, or change anything at your bank, your card company or a rewards programme. It has no way to do any of those things, by design, and that is not going to change.

It is not advice

Nothing here is financial, tax or investment advice. Values worked out from published lists — what a point is worth, what a home might sell for — are labelled as estimates and named with their source, because that is what they are: somebody else’s opinion, not a fact about your money.

Your data is yours

You keep them. One tap downloads everything, in a file you can read without this app. You can erase it, or delete your account altogether, at any time. Nothing is sold and nothing is advertised.

The privacy page explains what MyNewt keeps and why, including the site analytics that help fix problems and improve the app. By using MyNewt you agree to it.

What we ask of you

Use it for your own records. Do not try to reach anybody else’s. Do not put anything in it that we have said we will not hold — card numbers and passwords to banks are refused, and the refusal is there to protect you.

No promises about it working

This is a small tool, provided as it is, with no warranty of any kind. It may be unavailable, it may have faults, and an amount it shows may be wrong or out of date. Check anything that matters against the institution that holds it before acting on it.

Amounts brought in from INDmoney are as INDmoney reports them, and we do not check them against your bank or broker. INDmoney can stop the connection at any time. MyNewt is not part of INDmoney and is not endorsed by them.

To the extent the law allows, the MyNewt team is not liable for any loss arising from using it.

Ending it

You can leave whenever you like, taking everything with you, and delete your account from inside the app — here is how.

A bank connection, or an INDmoney connection, you have not used for a long while may be disconnected, after a notice, as a safety measure: a quiet connection should not stay open to your bank. Nothing you entered is removed, and you can connect again by signing in at your bank or at INDmoney.

The MyNewt team can pause an account — sign-in blocked, bank connections stopped, nothing removed — or close it. Closing an account you did not ask to have closed comes with at least seven days’ notice and a way to download your data first, unless the account is being used to reach somebody else’s records. The same notice is given if MyNewt ever stops being run.

Changes

If any of this changes, the date at the top changes with it.