Legal

1. Interpretation and Definitions

Interpretation: Words with initial capital letters have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or plural form.

Definitions: For the purposes of these Terms of Service:

• "Company" (referred to as "We," "Us," or "Our") refers to Novotech Alliance, L.L.C, located at 2261 Market Street STE 31113, San Francisco, CA 94114, US.
• "Application" refers to NOVOX, the financial tracking and portfolio management mobile application provided by the Company.
• "Service" refers to the Application, Website, and all related services.
• "Website" refers to NOVOX's website, accessible at https://novo-x.app.
• "User" (referred to as "You" or "Your") means the individual accessing or using the Service.
• "Account" means a unique account created for You to access our Service.
• "Content" refers to text, graphics, images, and other material that can be posted, uploaded, or otherwise made available through the Service.
• "Subscription" refers to the paid or free access plans offered by the Company for use of the Service.

2. Financial Advice Disclaimer

NOVOX is a financial tracking and portfolio management tool. The Service is designed to help you aggregate, view, and analyze your financial data in one place. NOVOX does not provide financial, investment, tax, or legal advice.

Any data, charts, insights, analytics, or projections presented within the Application are for informational purposes only and should not be construed as a recommendation to buy, sell, or hold any security, financial product, or instrument. You are solely responsible for your own investment decisions. We strongly recommend consulting a qualified financial advisor before making any financial decisions.

Market data displayed within NOVOX is sourced from third-party providers and may be delayed, inaccurate, or incomplete. The Company does not guarantee the accuracy, completeness, or timeliness of any market data.

3. Acceptance of Terms

By downloading, installing, or using NOVOX, You acknowledge that You have read, understood, and agree to be bound by these Terms of Service. If You do not agree with any part of these Terms, You must not use the Service.

You represent that You are at least 18 years of age and have the legal capacity to enter into these Terms. If You are using the Service on behalf of an organization, You represent that You have the authority to bind that organization to these Terms.

4. Description of Service

NOVOX provides the following features and capabilities:

• Financial Tracking: Connect and aggregate your bank accounts, brokerage accounts, crypto wallets, and other financial accounts into a single unified dashboard.
• Portfolio Management: Track your investment portfolio performance, allocation, gains/losses, and historical trends across multiple asset classes.
• Market Data: Access real-time and historical market data, including stocks, ETFs, mutual funds, cryptocurrencies, and other financial instruments.
• Analytics & Insights: View charts, performance metrics, and analytical tools to help you understand your financial position.
• Manual Tracking: Manually add assets such as real estate, vehicles, precious metals, and other valuables for a comprehensive net worth overview.

The availability of specific features may vary depending on Your subscription plan, geographic location, and the financial institutions You connect.

5. User Accounts

To use certain features of the Service, You must create an Account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

You are responsible for safeguarding the password and any credentials associated with Your Account. You agree to notify Us immediately of any unauthorized access to or use of Your Account. The Company shall not be liable for any loss or damage arising from Your failure to maintain the security of Your Account.

You may not create multiple accounts, share Your Account credentials with third parties, or use another person's Account without permission.

6. Subscriptions

NOVOX offers both free and premium subscription plans. The free tier provides access to basic financial tracking features with certain limitations on the number of connected accounts, data refresh frequency, and available analytics.

Premium subscriptions unlock additional features including unlimited account connections, real-time data syncing, advanced analytics, priority support, and other benefits as described on our pricing page.

Subscription fees are billed in advance on a recurring basis (monthly or annually, depending on the plan You select). Unless You cancel Your subscription before the end of the current billing period, Your subscription will automatically renew and You authorize Us to charge the applicable fee using Your selected payment method.

We reserve the right to modify subscription pricing with reasonable advance notice. Price changes will take effect at the start of the next billing period following the date of the price change.

7. Content & Intellectual Property

The Service and its original content (excluding Content provided by Users), features, and functionality are and will remain the exclusive property of Novotech Alliance, L.L.C and its licensors. The Service is protected by copyright, trademark, and other intellectual property laws.

The NOVOX name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company. You may not use such marks without Our prior written permission.

By submitting Content through the Service, You grant Us a non-exclusive, worldwide, royalty-free license to use, reproduce, and process that Content solely for the purpose of providing and improving the Service.

8. Third-Party Services and API Integrations

NOVOX integrates with third-party services and APIs to provide financial data aggregation, market data, and other functionality. These third-party services include, but are not limited to, Plaid, SnapTrade, and Finneverse for bank and brokerage account connections.

Your use of third-party services is subject to their respective terms and privacy policies. The Company is not responsible for the practices or content of third-party services. We do not endorse and are not responsible for any products, services, or content available through third-party integrations.

Third-party data providers may experience outages, delays, or inaccuracies. The Company shall not be held liable for any issues arising from third-party service disruptions.

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the Company, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the Service;
• Any conduct or content of any third party on the Service;
• Any financial decisions made based on information provided by the Service;
• Unauthorized access, use, or alteration of Your transmissions or Content;
• Errors, inaccuracies, or omissions in market data, account balances, or portfolio valuations;
• Service interruptions, delays, or failures in data synchronization.

In no event shall the Company's total aggregate liability exceed the greater of fifty U.S. dollars ($50.00) or the amount You have paid to the Company for the Service in the twelve (12) months preceding the claim.

10. "AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, whether express, implied, or statutory. The Company disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

The Company does not warrant that the Service will be uninterrupted, secure, error-free, or that defects will be corrected. The Company does not warrant the accuracy or reliability of any financial data, market information, or other content obtained through the Service.

Some jurisdictions do not allow the exclusion of certain warranties. In such cases, the exclusions set forth above may not apply to You, and You may have additional rights.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in San Francisco County, California. You consent to the personal jurisdiction of such courts and waive any objections based on venue or inconvenient forum.

12. Termination

We may terminate or suspend Your Account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if You breach these Terms.

You may terminate Your Account at any time by contacting Us or using the account deletion feature within the Application. Upon termination, Your right to use the Service will cease immediately. If You wish to have Your data deleted, please contact Us at support@novo-x.app.

Sections of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, and limitations of liability.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time at Our sole discretion. If a revision is material, We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect, via in-app notification or email.

By continuing to access or use the Service after those revisions become effective, You agree to be bound by the revised Terms. If You do not agree to the new Terms, You must stop using the Service.

14. Contact Information

If you have any questions about these Terms of Service, You can contact Us:

• Email: support@novo-x.app
• Phone: +1 (909) 588-2725
• Mail: Novotech Alliance, L.L.C — 2261 Market Street STE 31113, San Francisco, CA 94114, US
• Website: https://novo-x.app