Frequently asked questions

Netdave provides adaptive capital intelligence for independent earners. It organises cash-flow information you provide, highlights variability and concentration, and summarises risk behaviour in a structured profile.

You can then review allocation considerations — such as reserve needs, restraint, and exposure — alongside your own goals and obligations.

Netdave is designed for independent earners with variable income, such as freelancers, contractors, and sole operators, who want a clearer view of cash flow and risk.

If your income is fully regular and managed elsewhere, or you are looking for someone to manage funds for you, Netdave is likely not the right fit.

No. Netdave provides analytical decision support only. It does not provide personal financial advice, recommend specific securities, or manage, hold, or move funds on your behalf.

Any summaries or illustrations should be reviewed in the context of your full financial position, and with an independent adviser where appropriate.

Typically you will be asked to describe income timing and variability, regular commitments, reserve position, and your tolerance for disruption. The more complete and accurate your inputs, the more relevant the summary.

You control what you share. Provide only information you are comfortable submitting, and keep your records up to date if circumstances change.

Netdave combines your stated preferences with observed cash-flow characteristics — for example, irregularity, gaps, and reliance on a small number of income sources — to describe risk behaviour in plain language.

The result is a risk profile to guide restraint and planning, not a score that approves risk-taking or predicts performance.

No. There are no guaranteed returns, and analysis cannot prevent losses. All allocation involves risk, including the possible loss of capital.

Use Netdave to understand trade-offs and maintain buffers, not to pursue outcomes that require more risk than you can sustain.

No. Netdave does not hold client funds, execute transfers, or place investments. Any action on your accounts is taken by you, separately, through your own providers.

This separation is intentional: Netdave focuses on analysis so you can decide and act independently.

Treat them as a starting point for reflection. Review suggested restraint levels, reserve coverage, and concentration alongside tax obligations, debt, dependants, and upcoming commitments.

Many users revisit the summary before making changes, keep allocations modest relative to uncertainty, and document the reasons for their own decisions.

Review your profile whenever there is a material change — for example, loss of a major client, new regular costs, or a change in reserve. Update your inputs and review the revised summary before adjusting behaviour.

If you are unsure whether a change is material, a more frequent, light review is preferable to waiting.

Use the Contact page to describe your question in general terms. To protect your privacy, avoid including account passwords, full account numbers, or other sensitive identifiers in your initial message.

We will explain what information, if any, is needed next and how to share it safely.