Terms of Service

By accessing or using Nova Finance (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you may not use the Service.

These Terms constitute a legally binding agreement between you and [TO REPLACE: Nova SE Ltda] ("Nova Finance", "we", "us", or "our"). By creating an account, you confirm that you have read, understood, and accepted these Terms.

Nova Finance is a personal and professional financial management application. The Service allows you to:

• Track income and expense transactions
• Manage bank accounts, cards, wallets, and investment accounts
• Categorise and analyse your spending with detailed reports
• Set up recurring transactions and installment plans
• Receive configurable financial notifications and alerts
• Manage credit card statements and billing cycles
• Export your financial data in CSV format.

Nova Finance is a tool for organising your financial information. It is not a bank, payment institution, investment broker, or licensed financial adviser.

You must be at least 18 years of age to use Nova Finance. By creating an account, you represent and warrant that you meet this age requirement.

If you are using the Service on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms, and that "you" refers to both you and that entity.

To access the Service, you must create an account using a valid email address and a password of at least 8 characters, or authenticate via Google OAuth. You agree to provide accurate, current, and complete information.

You are solely responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Nova Finance will never ask for your password via email or phone.

You must notify us immediately of any unauthorised use of your account at [TO REPLACE: legal@gruponovase.com.br].

You retain full ownership of all financial data you enter into Nova Finance, including transactions, account details, categories, and any other information you provide ("User Content").

By using the Service, you grant Nova Finance a limited, non-exclusive, royalty-free licence to store, display, and process your User Content solely to provide and improve the Service. We do not sell, share, or use your financial data for advertising purposes.

You can export all your data at any time via Account → Profile → Export data, and permanently delete your account and all associated data via Account → Profile → Delete account.

Nova Finance offers a Free plan at no cost, with access to core financial management features. Paid plans (Pro and Business) provide additional capabilities including expanded transaction history, advanced reports, and priority support.

Billing is managed via [TO REPLACE: payment provider]. By subscribing to a paid plan, you authorise us to charge the applicable fees to your selected payment method on a recurring basis (monthly or annually, depending on your selection).

You may cancel your subscription at any time through Account → Billing. Cancellation takes effect at the end of the current billing period; you retain access to paid features until then. No refunds are issued for unused portions of a billing period, except where required by applicable law.

Nova Finance reserves the right to change plan pricing with at least 30 days' notice. Continued use after a price change constitutes acceptance.

You agree not to use Nova Finance to:

• Enter false, fraudulent, or misleading financial information
• Attempt to circumvent, reverse-engineer, or exploit any part of the Service
• Conduct, facilitate, or conceal money laundering, tax evasion, or any illegal financial activity
• Scrape, harvest, or mass-download Service data by automated means
• Upload malicious code, viruses, or content that could harm the Service or other users
• Attempt to gain unauthorised access to other users' accounts or data.

Violation of these rules may result in immediate account suspension or termination.

Nova Finance and its original content, features, and functionality — including the brand name, logo, interface design, and underlying code — are the exclusive property of [TO REPLACE: Nova SE Ltda] and its licensors, protected by applicable intellectual property laws.

You retain ownership of your User Content. Nothing in these Terms transfers ownership of your financial data to Nova Finance.

We strive to maintain the Service available 24 hours a day, 7 days a week. However, we do not guarantee uninterrupted availability. Scheduled maintenance will be communicated in advance wherever possible.

Free plan users do not benefit from any uptime SLA. Pro and Business plan users may be entitled to service credits for extended outages as described in their respective plan details.

Nova Finance is a financial organisation tool, not a licensed financial advisory service. Nothing within the Service constitutes investment advice, tax advice, or a recommendation to buy or sell any financial instrument.

To the maximum extent permitted by applicable law, Nova Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including loss of data, loss of profits, or financial losses based on information provided by the Service.

Nova Finance's total liability to you for any claim arising under these Terms shall not exceed the total amount paid by you to Nova Finance in the 12 months preceding the claim. For Free plan users, this limit is zero.

We may revise these Terms from time to time. For material changes, we will notify you at least 30 days in advance via email and/or an in-app notification. The revised Terms will indicate the effective date at the top of this page.

Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of those changes. If you do not agree with the updated Terms, you may terminate your account before they take effect.

You may delete your account at any time via Account → Profile → Danger zone → Delete account. Deletion is irreversible and will permanently remove all your data within 30 days.

Nova Finance reserves the right to suspend or terminate your account, with or without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or posed a security risk to other users or the Service.

These Terms are governed by the laws of the Federative Republic of Brazil, including the Lei Geral de Proteção de Dados (LGPD — Law No. 13.709/2018). Any disputes shall be resolved in the courts of [TO REPLACE: city, state], Brazil.

If you are located in the European Union, you may also have rights under applicable EU law, including the General Data Protection Regulation (GDPR). These rights are described in full in our Privacy Policy.

For questions about these Terms, contact us at: [TO REPLACE: legal@gruponovase.com.br]

Company: [TO REPLACE: Nova SE Ltda] · CNPJ: [TO REPLACE: 00.000.000/0001-00] · [TO REPLACE: full address]

Contact: [TO REPLACE: legal@gruponovase.com.br]