Nutzungsbedingungen

Last updated: 15 October 2026

Dieses Dokument ist derzeit in englischer Sprache verfügbar. Übersetzte Versionen werden vorbereitet.

These Terms of Service ("Terms") are an agreement between you and Novotech Alliance, LLC, a Delaware limited liability company ("NOVOX", "we", "us"), 2261 Market Street STE 31113, San Francisco, CA 94114, United States. They govern your use of the NOVOX mobile apps, the web app at app.novo-x.app and this website (together, the "Service"). Please read them with our Privacy Policy, which explains how we handle your data.

1. Not financial, investment, tax, legal or religious advice

NOVOX is a personal-finance tracking and analytics tool. We do not provide financial, investment, tax, legal or religious advice, and we are not a broker-dealer, investment adviser, bank or custodian. Everything the Service shows you — balances, charts, projections, the financial health score, Zakat estimates, reports and NovoAI answers — is general information based on the data available to us. It is not a recommendation to buy, sell or hold any security or product. You are responsible for your own decisions; consider consulting a qualified professional (or, for Zakat, a qualified scholar) before acting.

2. Eligibility and accounts

You must be at least 18 and able to form a binding contract to use the Service. You agree to give accurate information, keep your sign-in methods secure, and tell us promptly at support@novo-x.app if you suspect unauthorised access. You are responsible for activity under your account. One person per account.

Where NOVOX is offered. NOVOX is not offered to residents of the European Union, the European Economic Area, Switzerland or the United Kingdom, and we do not accept new sign-ups from these regions. If you opened an account while living there before this restriction, these Terms continue to apply to it, together with any mandatory consumer rights you have under local law.

3. What the Service does

  • Account connections. Link bank, brokerage and other accounts through third-party providers (Plaid, SnapTrade and Finverse) to see balances, transactions and holdings.
  • Manual tracking. Add assets and liabilities yourself — property, gold, cash, crypto, loans and more.
  • Statement import. Upload bank statements (PDF, photo or CSV) so we can extract transactions for you.
  • NovoAI. AI features that categorise transactions, read uploaded statements, generate insights and answer your questions (see section 6).
  • Tools and reports. Calculators (including Zakat and loans), a financial health score, budgets, goals and PDF reports.
  • Brokerage orders. On plans that include it, send orders to a connected brokerage (see section 5).
  • Market data. Prices and FX rates from third-party sources, which may be delayed, incomplete or wrong.

Features vary by plan, platform and country, and we may change, add or remove features over time. Connections depend on your institution and our providers; they can fail, lag or need you to sign in again.

4. Third-party providers

Account connections are made through the providers listed above. You sign in to your institution on the provider's own screen — NOVOX never receives your banking username or password. Your use of a provider is also subject to its own terms and privacy policy: Plaid's End User Privacy Policy (plaid.com/legal/#end-user-privacy-policy), SnapTrade's Privacy Policy (snaptrade.com/privacy-policy) and Finverse's End User Privacy Policy (finverse.com/legal/privacy-policy). We are not responsible for a provider's or institution's services, data or availability. You can disconnect an account at any time in the app, and you can also revoke access directly with your institution or broker.

5. Brokerage orders

If your plan includes trading and you connect a supported brokerage with trading enabled, you can send orders to that brokerage from the Service. Orders are transmitted through SnapTrade, Inc. to your broker, which alone receives, executes and settles them under your agreement with it. NOVOX does not hold your money or securities, does not execute orders, does not route orders for payment, and does not recommend any order.

  • Every order is sent only after you review and confirm it in the app. You are responsible for every order you confirm, including its symbol, side, size, order type and price.
  • We do not guarantee that an order will be transmitted, accepted, executed, or executed at any particular price or time. Quotes shown in NOVOX may be delayed. Orders can fail or be rejected — for example because of market hours, broker rules or connection problems. Always confirm the status of an order with your broker.
  • Investing involves risk, including the loss of your entire investment. Cryptocurrencies and other digital assets are highly volatile.
  • Trading is not offered to residents of the United Arab Emirates, Saudi Arabia, Qatar, Kuwait, Bahrain or Oman, and may not be offered in other countries. We may restrict or withdraw it where the law or our providers require. Where trading is unavailable, brokerage accounts can still be connected for tracking.

6. NovoAI and AI output

NovoAI uses third-party AI models. It sends your data to our AI providers only after you turn on AI data sharing, as described in our Privacy Policy; you can turn it off at any time. AI output can be incomplete, out of date or wrong — including transaction categories, figures extracted from statements, and answers about your finances. Check anything important before you rely on it. AI output is general information, not advice (section 1).

7. Your content

You keep ownership of the data and files you add to the Service ("Your Content"), including uploaded statements. You give us a limited licence to host, process and display Your Content only to provide, secure and support the Service for you, as described in our Privacy Policy. You confirm you have the right to upload what you upload.

8. Subscriptions, free trials, renewal, cancellation and refunds

  • Billing. Paid plans are billed through the Apple App Store, Google Play, or — on the web — Stripe. The price, billing period and any free trial are shown before you subscribe.
  • Free trials. If your plan starts with a free trial, it converts to a paid subscription at the price shown when the trial ends unless you cancel before then.
  • Automatic renewal. Subscriptions renew automatically at the end of each billing period (monthly or yearly) at the then-current price until you cancel. By subscribing you authorise these recurring charges.
  • How to cancel. App Store: iPhone Settings → your name → Subscriptions. Google Play: Play Store → Payments & subscriptions → Subscriptions. Web: Settings → Subscription → Manage billing in the NOVOX web app. In the NOVOX app you can reach these from Settings → Subscription. Cancel at least 24 hours before renewal to avoid the next charge. After you cancel you keep paid features until the end of the period you have paid for. Deleting your account does not cancel an App Store or Google Play subscription — cancel it in the store.
  • Refunds. See section 9.
  • Price changes. We will tell you in advance of any price change; it applies from your next billing period, and you can cancel before it takes effect.
  • Plan limits. Plans include limits (for example, number of connections or NovoAI chats). If you move to a plan with lower limits, connections above the limit stop syncing; your data is kept.

9. Refund policy

How refunds work depends on where you subscribed:

  • Apple App Store. Apple bills and refunds App Store subscriptions; we cannot issue or block those refunds. Request one at reportaproblem.apple.com. Apple decides under its own policy.
  • Google Play. Google bills Google Play subscriptions. Within 48 hours of a charge you can request a refund directly from Google Play. After that, contact us at support@novo-x.app and we will handle the request under this policy.
  • Web (Stripe). Cancel any time in the NOVOX web app under Settings → Subscription → Manage billing. Cancellation stops the next renewal; you keep paid features until the end of the period you have paid for, and you are not charged again. We do not give refunds or credits for partial periods or unused time on monthly or yearly plans, except as set out below.
  • Free trials. If you cancel before a free trial ends, you are not charged (on the App Store and Google Play, cancel at least 24 hours before it ends).
  • Billing errors. If you were charged twice, charged after you cancelled, or charged the wrong amount, contact us within 60 days of the charge and we will refund the incorrect amount in full (or, for store purchases, help you get it refunded).
  • Existing EU and UK consumers. NOVOX is no longer offered in the EU or the UK (section 2). If you are an existing user living there, you have a 14-day right to withdraw from a subscription bought on the web, starting the day you subscribe. To withdraw, email support@novo-x.app within that period. We will refund your payment within 14 days, minus a proportionate amount for any paid period you used before withdrawing where the law allows. App Store and Google Play purchases follow Apple's and Google's processes.
  • Other legal rights. Nothing in this policy limits any refund right you have under the consumer law of the country where you live.

10. Acceptable use

Do not: use the Service unlawfully or in breach of sanctions; access another person's account or data; probe, disrupt or reverse-engineer the Service; scrape or automate it except as we allow; upload malware or content you have no right to share; or use it for fraud, money laundering or market manipulation.

11. Our intellectual property

The Service, its software, design and content (excluding Your Content) belong to Novotech Alliance, LLC and its licensors. We give you a personal, non-exclusive, non-transferable, revocable licence to use the Service under these Terms.

12. Disclaimers

To the extent the law allows, the Service is provided "as is" and "as available", without warranties of any kind, including accuracy, fitness for a particular purpose and non-infringement. We do not warrant that balances, market data, calculations or AI output will be accurate, complete, current or uninterrupted. Nothing in these Terms limits any rights you have under consumer law that cannot be excluded.

13. Limitation of liability

To the extent the law allows, NOVOX and its affiliates are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, trading losses, or lost data, arising from the Service. Our total liability for any claim is limited to the greater of the amount you paid us in the 12 months before the claim or US$50. These limits do not apply where the law does not allow them, including liability for death or personal injury caused by negligence, or for fraud.

14. Indemnity

To the extent the law allows, you agree to indemnify us against third-party claims arising from your breach of these Terms or your misuse of the Service.

15. Suspension, termination and account deletion

You can stop using the Service and delete your account at any time in the Settings of the app or the web app, or by emailing support@novo-x.app. Deletion is scheduled after a 30-day grace period, as described in our Privacy Policy. We may suspend or close accounts that break these Terms or the law, or to protect users or the Service; where reasonable we will tell you why.

16. Governing law and disputes

These Terms are governed by the laws of the State of California, United States, without regard to its conflict-of-law rules, and disputes will be heard in the state or federal courts in San Francisco County, California. However, if you are a consumer living in the European Union, the United Kingdom, or another country whose law gives you the right to rely on its mandatory consumer protections or to bring proceedings in your local courts, nothing in these Terms takes those rights away. Please contact us first so we can try to resolve any problem informally.

17. Changes to these Terms

We may update these Terms. For material changes we will give you notice in the app or by email before they take effect. If you keep using the Service after they take effect, the updated Terms apply; if you do not agree, you can cancel and delete your account.

18. Contact