Terms of service

These Terms of Service (the “Terms”) form a binding agreement between you and Pitanga Pixels LTD, a Cyprus private limited company (“nomfi”, “we”, “us”), registered at 12–14 Gladstonos, Paphos 8046, Cyprus (company no. HE429960, VAT CY10429960E), governing your access to and use of the nomfi website, mobile application, and related services (the “Service”).

By creating an account, joining the waitlist, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.

1. The service

nomfi is a proactive AI advisor for digital nomads. It connects (with your authorisation) to your bank, calendar, and email to surface personalised, multi-currency financial insights. nomfi is an informational tool; it is not a bank, broker, investment adviser, or regulated financial institution, and the outputs it generates do not constitute regulated financial, tax, legal, or investment advice.

2. Eligibility & your account

• You must be at least 18 years old and legally able to enter into a binding contract in your jurisdiction.
• You must provide accurate information and keep your account details up to date.
• You are responsible for safeguarding your sign-in credentials and for all activity that occurs under your account. Notify us promptly at hello@nomfi.app if you suspect unauthorised access.
• One account per person. Account sharing or resale is prohibited.

3. Subscription, trial & billing

nomfi is offered on a paid subscription basis. Current pricing is published on the Pricing page (USD 9.99 per month, or USD 89.91 per year for an annual subscription that gives you three months free). All prices are exclusive of applicable taxes; if you are a consumer located in the EU, VAT will be added at the rate applicable to your country.

New subscribers may receive a 14-day free trial, beginning on the date of activation. We do not require payment details to start the trial. If you choose to subscribe before the trial ends, your subscription begins immediately and your trial benefits cease. If you do not subscribe, your account simply reverts to a read-only state at the end of the trial.

Paid subscriptions renew automatically at the end of each billing period (monthly or annual, as selected) at the then-current price unless you cancel beforehand. Billing is processed by Stripe Payments Europe Ltd.

4. EU statutory withdrawal & cancellation

If you are a consumer resident in the European Union or the European Economic Area, you have a statutory right under Directive 2011/83/EU to withdraw from the contract within 14 days of subscribing, without giving any reason. To exercise the right of withdrawal, email hello@nomfi.app with a clear statement of your decision (you may use the model form available on request).

Because the Service is digital content supplied immediately upon subscription, by starting your paid subscription you expressly request that performance begin during the withdrawal period and acknowledge that you will lose the right of withdrawal once we have begun supplying the Service. Where the right of withdrawal still applies, refunds will be issued within 14 days via the original payment method.

Outside the EU statutory withdrawal window, you may cancel your subscription at any time from within the app. Cancellation takes effect at the end of the current billing period — you retain access until then. We do not provide refunds for partial billing periods, except where required by mandatory consumer-protection law.

5. Connected accounts & third-party services

To deliver core features, the Service may connect to third-party providers (e.g. Wise, Google Calendar). Your use of those services is governed by their own terms and privacy policies. We are not responsible for the availability, accuracy, or actions of third-party providers, and you remain solely responsible for the lawfulness of the data you authorise us to access.

The Service surfaces economic data (such as benchmark interest rates and inflation figures) via the FRED® API, provided by the Federal Reserve Bank of St. Louis. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. By using the Service you also agree to be bound by the FRED® API Terms of Use.

6. AI outputs & financial decisions

Insights produced by nomfi’s AI advisor are generated by large language models on the basis of the data you share with us. They are provided for informational purposes only and may be incomplete, inaccurate, or out of date. They are not a substitute for professional financial, tax, legal, or investment advice. You are solely responsible for any decision you make, and we are not liable for losses arising from your reliance on AI outputs. Where the stakes are material, please consult a qualified professional.

7. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service, except as expressly permitted by mandatory law.
• Access the Service through automated means (scripts, bots, scrapers) other than via the public APIs we may make available, or attempt to bypass rate limits, security controls, or paid features.
• Submit content or data that infringes third-party rights, is unlawful, or that you do not have the right to share.
• Attempt to access another user’s account, disrupt the Service, or probe for vulnerabilities other than through a coordinated disclosure to hello@nomfi.app.
• Use the Service to build a competing product, train a competing model, or systematically export data for those purposes.

8. Your data & licence to us

Your data is yours. To operate the Service we need a limited, non-exclusive, royalty-free licence to host, store, transmit, display, and process the data you authorise us to access, solely to provide and improve the Service for you and as further described in the Privacy Policy. This licence ends when you delete your account or revoke the relevant integration, subject to limited retention obligations described in the Privacy Policy.

9. Intellectual property

The nomfi name, logo, brand, software, designs, copy, and underlying technology are owned by Pitanga Pixels LTD or its licensors and are protected by intellectual-property laws. We grant you a personal, non-transferable, revocable licence to use the Service in accordance with these Terms. No other rights are granted by implication.

If you submit feedback, suggestions, or bug reports, you grant us a worldwide, perpetual, irrevocable, royalty-free licence to use them to improve the Service, with no obligation of compensation or attribution.

10. Disclaimer of warranties

Except for warranties that cannot be excluded under applicable law (including mandatory consumer-protection law), the Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability. We do not warrant that the Service will be error-free, that defects will be corrected, or that the Service is free of viruses or other harmful components.

11. Limitation of liability

To the maximum extent permitted by law, neither party shall be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, data, or goodwill, arising out of or in connection with the Service, even if advised of the possibility of such damages.

Our total aggregate liability arising out of or relating to these Terms or the Service shall not exceed the greater of (a) the amount you actually paid to us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) EUR 100. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

12. Indemnity

You agree to indemnify and hold harmless Pitanga Pixels LTD, its officers, employees, and agents from any claim, demand, loss, or damage (including reasonable legal fees) arising out of (i) your breach of these Terms, (ii) your violation of applicable law, or (iii) your misuse of the Service. This Section does not apply to consumers where prohibited by mandatory consumer-protection law.

13. Suspension & termination

You may close your account at any time from inside the app. We may suspend or terminate your access (in whole or in part) if (i) you materially breach these Terms, (ii) we are required to do so by law, or (iii) prolonged abuse, fraud, or risk to other users warrants it. Where reasonable and lawful, we will give you advance notice and an opportunity to remedy the issue. On termination, your right to use the Service ends immediately; Sections 6 through 16 survive termination.

14. Changes to the service & to these terms

We may improve, modify, or discontinue features of the Service at any time. We will not materially reduce the core functionality of a paid subscription during a paid period without giving you a pro-rata refund.

We may update these Terms when our practices change or the law requires it. Material changes will be notified by email and via an in-app notice at least 14 days before they take effect. If you do not agree with the updated Terms, you may cancel your subscription before they take effect. Continued use after the effective date constitutes acceptance.

15. Governing law & jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to its conflict-of-laws rules. Subject to mandatory consumer-protection law, the courts of Paphos, Cyprus shall have exclusive jurisdiction over any dispute arising from or relating to these Terms or the Service.

If you are a consumer resident in the EU, nothing in this Section deprives you of the protection afforded by the mandatory rules of the country in which you are habitually resident. The European Commission’s Online Dispute Resolution platform is also available at ec.europa.eu/consumers/odr.

16. General

• Entire agreement. These Terms and the documents they reference (notably the Privacy Policy) constitute the entire agreement between you and us regarding the Service.
• Severability. If any provision is held unenforceable, the remaining provisions will continue in full force.
• No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment. You may not assign your rights or obligations without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets, subject to your statutory rights.
• Force majeure. Neither party is liable for failure to perform caused by events beyond its reasonable control (e.g. acts of God, war, sanctions, outages of third-party infrastructure).
• Notices. We may give notice via email, in-app, or on the Service. You may give notice to us at hello@nomfi.app or in writing to the registered office above.
• Language. The English version of these Terms is the binding original. Translations are provided for convenience only.

17. Contact

Questions about these Terms? Email hello@nomfi.app or write to:

Pitanga Pixels LTD
12–14 Gladstonos
Paphos 8046
Cyprus