Terms of use

PLEASE READ THESE TERMS CAREFULLY. SECTION 17 CONTAINS A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. BY USING THE SERVICE, YOU AGREE TO THESE TERMS.

1. Agreement to Terms

These Terms of Service ("Terms") are a legally binding agreement between you and Norva ("Norva," "we," "our," or "us") [ATTORNEY NOTE: replace with full legal entity name upon incorporation] governing your access to and use of the Norva mobile application, the norvaapp.com website, and all related services (collectively, the "Service"). By creating an account, downloading the app, or otherwise using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 16 years old to use the Service (or the higher minimum age required in your jurisdiction). If you are under 18, you represent that a parent or legal guardian has reviewed and agreed to these Terms on your behalf. To connect financial accounts, you must be the legal owner of, or authorized to access, those accounts. By using the Service, you represent and warrant that you meet these requirements and that all registration information you provide is accurate and complete.

3. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to notify us immediately at support@norvaapp.com of any unauthorized access or security breach. You may enable multi-factor authentication in Settings, and we strongly recommend that you do. We are not liable for losses arising from unauthorized use of your account resulting from your failure to safeguard your credentials.

4. The Service

Norva provides a personal dashboard that aggregates data from sources you choose to connect — financial accounts via Plaid, health data via Apple Health, and calendar data via Apple Calendar — together with goals you create, and generates scores, insights, and recommendations using automated and AI-assisted analysis.

All connected-source access is read-only. Norva does not and cannot initiate payments, move money, execute trades, modify your health records, or create, edit, or delete your calendar events.

We may update, modify, add, or remove features of the Service at any time. We will provide reasonable notice of changes that materially reduce the core functionality of a paid plan.

5. Subscriptions, Free Trial, and Billing

5.1 Free Trial

New users receive a 30-day free trial with full access to the Service. A valid payment method is required to begin the trial. YOUR PAID SUBSCRIPTION BEGINS AUTOMATICALLY WHEN THE TRIAL ENDS UNLESS YOU CANCEL BEFORE THE END OF THE TRIAL PERIOD. We will send you a reminder before your trial converts to a paid subscription.

5.2 Plans and Auto-Renewal

Norva offers Basic and Premium subscription plans, billed monthly or annually, at the prices displayed at signup. SUBSCRIPTIONS AUTOMATICALLY RENEW at the end of each billing period at the then-current rate unless you cancel before the renewal date. You authorize us (via Stripe, or via Apple if you subscribed through the App Store) to charge your payment method on a recurring basis.

5.3 Cancellation

You may cancel at any time in Settings → Subscription & Billing (or through your Apple ID subscription settings if you subscribed through the App Store). Cancellation takes effect at the end of the current billing period, and you retain access until then. Except where required by law or expressly stated otherwise, payments are non-refundable and we do not provide refunds or credits for partial billing periods. If you subscribed through the App Store, refund requests are handled by Apple under Apple's policies.

5.4 Price Changes

We may change subscription prices. We will notify you at least 30 days in advance of any price increase, and the new price will apply only from your next renewal after the notice period. If you do not agree to a price change, you may cancel before it takes effect.

5.5 Student Discount

Student pricing requires verification through our third-party verification provider and annual re-verification. We may revoke student pricing if verification lapses or was obtained fraudulently.

5.6 Taxes

Prices may be exclusive of applicable taxes. You are responsible for any sales, use, VAT, or similar taxes, which will be added where required by law.

6. Connected Data Sources

By connecting a data source, you authorize Norva to access and process data from that source as described in our Privacy Policy, and you represent that you have the right to grant that authorization. You may disconnect any source at any time in Settings. The Service depends on third-party data sources; we do not control and are not responsible for their availability, accuracy, or completeness. Plaid's services are subject to the Plaid End User Privacy Policy. Apple HealthKit, Google Health Connect, and Apple Calendar are subject to Apple's terms.

7. Important Disclaimers — Not Professional Advice

Norva is an informational tool only. THE SERVICE, INCLUDING ALL SCORES, INSIGHTS, RECOMMENDATIONS, PROJECTIONS, AND NORVA AI RESPONSES, IS PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE MEDICAL, HEALTH, FINANCIAL, INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE.

• Not medical advice: Norva is not a medical device, is not intended to diagnose, treat, cure, or prevent any disease or condition, and is not a substitute for professional medical advice. Always consult a qualified healthcare provider regarding health decisions. Never disregard professional medical advice because of something you read in Norva.

• Not financial or investment advice: Norva is not a registered investment adviser, broker-dealer, financial planner, or fiduciary. Insights about spending, saving, subscriptions, or investments are automated informational outputs, not recommendations to buy, sell, or hold any security or to take any financial action. Consult a qualified financial professional before making financial decisions.

• AI limitations: AI-generated content may be inaccurate, incomplete, outdated, or inapplicable to your situation. Data from connected sources may be delayed or erroneous. You are solely responsible for decisions you make based on the Service.

8. Acceptable Use

You agree not to, and not to attempt to or assist anyone else to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation

• Access or use another person's account or connect accounts or data sources you are not authorized to access

• Probe, scan, or test the vulnerability of the Service, or breach or circumvent any security or authentication measures

• Reverse engineer, decompile, disassemble, or derive the source code of the Service, except to the extent such restriction is prohibited by law

• Scrape, crawl, harvest, or systematically extract data from the Service, or use any automated means to access the Service

• Interfere with or disrupt the Service, including by transmitting viruses, malware, or other harmful code

• Resell, sublicense, or commercially exploit the Service or access to it

• Use the Service to develop a competing product, or use output from the Service to train machine learning models

• Misrepresent your identity or affiliation, including in student discount verification

We may investigate violations and may suspend or terminate accounts that violate this section.

9. Intellectual Property

9.1 Our Property

The Service — including its software, design, user interface, text, graphics, logos, trademarks, scores, and methodologies — is owned by Norva or its licensors and is protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial purposes, subject to these Terms. No rights are granted except as expressly stated. "Norva" and the Norva logo are trademarks of Norva; you may not use them without our prior written consent.

9.2 Your Data

You retain all rights to your personal data. You grant Norva a limited, non-exclusive, worldwide, royalty-free license to host, process, transmit, display (to you), and analyze your data solely to provide, secure, and improve the Service as described in the Privacy Policy. This license ends when your data is deleted from our systems.

9.3 Feedback

If you submit ideas, suggestions, or feedback about the Service, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation, and without any obligation of confidentiality.

10. Beta and Experimental Features

We may offer early-access, beta, or experimental features, which are provided "as is," may be modified or discontinued at any time, and may be subject to additional terms presented at enrollment. Premium subscribers may receive early access to new features as part of their plan.

11. Apple App Store Terms

If you download the app from the Apple App Store, the following additional terms apply: (a) these Terms are between you and Norva only, not Apple, and Apple is not responsible for the Service or its content; (b) your license to the app is limited to use on Apple-branded devices that you own or control, as permitted by the App Store Terms of Service; (c) Apple has no obligation to provide maintenance or support for the app; (d) in the event the app fails to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price of the app (if any), and to the maximum extent permitted by law Apple has no other warranty obligation; (e) Apple is not responsible for addressing any claims relating to the app, including product liability, regulatory compliance, and consumer protection claims; (f) in the event of a third-party claim that the app infringes intellectual property rights, Norva, not Apple, is responsible for the investigation, defense, settlement, and discharge of such claim; (g) you represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and are not on any U.S. Government restricted-party list; and (h) Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

12. Termination

You may stop using the Service and delete your account at any time in Settings. We may suspend or terminate your access immediately if you materially breach these Terms, if required by law, or if we reasonably believe your use poses a security risk or harm to others; where practicable, we will provide notice and an opportunity to cure. We may also discontinue the Service entirely with at least 30 days' notice, in which case we will provide a pro-rata refund of any prepaid, unused subscription fees. Upon termination: your license to use the Service ends; you may export your data for 30 days following termination (except termination for material breach involving fraud or unlawful activity); and thereafter your data will be deleted per the Privacy Policy. Sections 7, 9, and 13 through 19 survive termination.

13. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. NORVA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT DATA FROM CONNECTED SOURCES WILL BE ACCURATE, COMPLETE, OR CURRENT; OR THAT ANY INSIGHT, SCORE, OR RECOMMENDATION WILL ACHIEVE ANY PARTICULAR RESULT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NORVA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE THEORY OF LIABILITY; AND (B) NORVA'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID TO NORVA IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM AND (ii) FIFTY U.S. DOLLARS ($50). FOR CLARITY, NORVA IS NOT LIABLE FOR FINANCIAL, HEALTH, OR OTHER DECISIONS YOU MAKE BASED ON THE SERVICE, OR FOR ERRORS IN DATA SUPPLIED BY THIRD-PARTY SOURCES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN SUCH JURISDICTIONS, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.

15. Indemnification

You agree to indemnify, defend, and hold harmless Norva and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your violation of these Terms; (b) your misuse of the Service; (c) your violation of any law or the rights of any third party; or (d) your connection of accounts or data sources you were not authorized to connect. We reserve the right to assume the exclusive defense of any matter subject to indemnification, in which case you agree to cooperate with our defense.

16. Governing Law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles, except that the Federal Arbitration Act governs Section 17. If Section 17 is found not to apply to a particular claim, that claim must be brought exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction and venue there.

17. Dispute Resolution — Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

17.1 Informal Resolution First

Before filing a claim, you agree to contact us at hello@norvaapp.com with a written description of the dispute and give us 60 days to try to resolve it informally. Most concerns can be resolved this way.

17.2 Binding Arbitration

If we cannot resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by [JAMS / the American Arbitration Association ]

17.3 Class Action Waiver

YOU AND NORVA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims. If this class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) shall proceed in court.

17.4 Exceptions

Either party may bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in court for infringement or misuse of intellectual property or for unauthorized access to the Service.

17.5 Opt-Out

You may opt out of this arbitration agreement by emailing hello@norvaapp.com with the subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms. Opting out will not affect any other provision of these Terms.

18. Changes to These Terms

We may modify these Terms from time to time. If we make material changes, we will notify you by email and/or prominent in-app notice at least 14 days before the changes take effect, and we will update the "Last Updated" date above. Changes will not apply retroactively. If you do not agree to modified Terms, you must stop using the Service and may cancel your subscription before the changes take effect; continued use after the effective date constitutes acceptance.

19. General Provisions

• Entire agreement: these Terms, together with the Privacy Policy and any additional terms presented for specific features, are the entire agreement between you and Norva regarding the Service and supersede all prior agreements

• Severability: if any provision is held unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will remain in full effect

• No waiver: our failure to enforce any provision is not a waiver of our right to do so later

• Assignment: you may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets, with notice to you

• Force majeure: neither party is liable for delay or failure to perform due to causes beyond its reasonable control, except for your payment obligations

• Export compliance: you agree to comply with all applicable export and sanctions laws

• Electronic communications: you consent to receive communications from us electronically, and agree that electronic communications satisfy any legal requirement that communications be in writing

• No third-party beneficiaries: except as stated in Section 11 (Apple), these Terms create no third-party beneficiary rights

20. Contact

Questions about these Terms: hello@norvaapp.com

Support: support@norvaapp.com

Privacy: privacy@norvaapp.com