Norviq Terms of Use

Licence

We grant you a personal, non-transferable, revocable licence to use the App on Apple devices you own or control, in accordance with the Apple Media Services Terms and these Terms, and to use the web app through your account.

Read-only financial data, not advice

Norviq aggregates and displays financial data you enter, import, or connect for informational purposes only. It does not execute trades, transfers, or payments. Brokerage and bank connections are read-only.

Nothing in the App is investment, tax, legal, or financial advice. Prices, sentiment, projections, scenario outputs, and AI-generated text can be wrong, delayed, or incomplete. Verify figures with the original source before acting on them.

Subscriptions and purchases

Norviq Pro is an auto-renewing subscription sold through Apple In-App Purchase or web billing. Payment is charged to your Apple Account or payment method at confirmation. It renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel it in your Apple Account settings or from Settings in the web app.

Any free-trial portion is forfeited when you purchase a subscription. Refunds for App Store purchases are handled by Apple under its policies.

Your responsibilities

You are responsible for the accuracy of the data you enter and for keeping your credentials, passkeys, and personal access tokens private. Tokens you create for MCP clients give that client access to your account; revoke them from Settings when no longer needed.

You must be at least 18 years old to use the App.

Acceptable use

You agree to use Norviq only for lawful purposes and not to attempt to disrupt, reverse-engineer, scrape, or gain unauthorised access to the service or to other users' data.

Availability and third parties

Market data, macroeconomic statistics, brokerage and bank connections, AI models, and billing are provided by third parties and may change, be delayed, or become unavailable. We do not guarantee uninterrupted service.

Economy pages display public statistics from Eurostat, the European Central Bank Data Portal, the Federal Reserve Bank of St. Louis FRED® API, IBGE and Banco Central do Brasil. Figures are reproduced as published by those institutions, which do not endorse Norviq. FRED® data is used under the FRED® API Terms of Use (https://fred.stlouisfed.org/docs/api/terms_of_use.html); by using features that display FRED® data you agree to those terms. FRED® is a registered trademark of the Federal Reserve Bank of St. Louis.

Disclaimer and liability

The App is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Fernando Correia (FC Software Studio) is not liable for indirect or consequential damages, including investment losses, and our total liability is limited to the amount you paid for the App in the 12 months before the claim. Nothing limits liability that cannot be excluded by law.

Changes and termination

We may update these Terms; the date above changes when we do, and continued use after a change means you accept it. You can stop using the App and delete your account from Settings at any time. We may suspend accounts that breach these Terms.

Governing law

These Terms are governed by the laws of Portugal, without regard to conflict-of-laws rules. Consumers in the EU keep the protections of their country of residence.

Contact

Questions about these Terms: support@norviq.org.