Terms of Service

Operator / About Us

These Terms of Service constitute a legally binding agreement between you and Novuspire Limited, a company duly incorporated under the laws of the Federal Republic of Nigeria, which owns and operates the Yomex mobile application, website, and related services (collectively, the "Services"). In these Terms, "Yomex", "we", "us", and "our" refer to Novuspire Limited.

About the Services

Yomex helps you organize accounts, transactions, income, budgets, goals, debts, recurring expenses, projects, and financial plans. Features may include bank connections, statement imports, receipt scanning, reminders, reports, projections, and optional Ellio assistance. Availability depends on your plan, country, platform, permissions, and supported integrations. Tracking a debt, goal, or transaction in Yomex does not transfer money, pay a bill, make an investment, or create or settle an agreement with another person.

Cached information may be available offline, but synchronization, bank updates, exports, and cloud features may require an internet connection. Check the latest records before relying on a balance, notification, forecast, or report.

1. Eligibility

You must be at least 18 years old and have legal capacity in your jurisdiction to use the Services. By using the Services, you represent that you have the authority to enter into these Terms and that all registration information you submit is accurate and complete.

2. Account Registration and Security

• You are responsible for maintaining the confidentiality of your account credentials.
• Use accurate account information and take reasonable steps to protect your device and account.
• You must promptly notify us of any unauthorized use or suspected breach of security.

3. Subscriptions, Trials, and Billing

Yomex offers a Free plan and paid Plus and Pro plans. Paid plans may unlock higher limits, connected account features where available, receipt scanning, voice input, exports, richer analysis, Ellio AI planning, projects, advanced forecasting, priority support, and other premium capabilities. Plan availability, feature limits, and pricing may vary by country, platform, store, and local currency.

If you buy a subscription through an app store, your purchase, renewal, cancellation, refund, taxes, and payment method are handled by that store under its terms. Unless shown otherwise at purchase, subscriptions renew automatically until canceled. You can manage or cancel your subscription through the store account settings used for the purchase. Deleting your Yomex account or removing the app does not automatically cancel an active subscription.

The purchase screen shows the applicable price, billing period, included features, limits, and any trial conditions. If a trial is offered, review its duration and the subscription charge that follows. Cancel before the store's stated renewal or trial deadline to avoid the next charge. Where supported, use Restore Purchases with the store account used to buy the subscription. Access may change when a subscription expires or is refunded.

We may receive subscription status and purchase history information so we can unlock paid features, provide support, prevent fraud, and understand subscription performance. Refunds are handled according to the rules of the store where you purchased, except where applicable law requires otherwise.

4. Acceptable Use

You agree not to, and not to allow third parties to:

• Use the Services for any unlawful, harmful, or fraudulent activity.
• Reverse engineer, decompile, or bypass security or usage limits, except where applicable law permits it.
• Interfere with or disrupt the integrity or performance of the Services.
• Upload, post, or transmit content that infringes intellectual property or privacy rights.
• Access another user's records without authorization or misuse bank connections, imports, or AI features.

5. Not Financial Advice; AI Insights and Your Responsibility

Yomex is a personal finance organizer that helps you track spending, manage budgets, plan bills, follow goals, and understand patterns in your money. We are not a bank, brokerage, investment adviser, tax adviser, legal adviser, or licensed financial adviser. We do not provide financial, investment, legal, tax, or credit advice.

Yomex may provide automated or AI-assisted insights, suggestions, projections, categorization, receipt extraction, statement analysis, voice transcription, and Ellio chat or planning outputs. These outputs are for informational and educational purposes only. They may be inaccurate, incomplete, delayed, or not suited to your circumstances. You remain responsible for reviewing information before acting on it and for any financial decisions you make. For professional advice, consult a qualified adviser.

Yomex does not use these features to make decisions about your credit, employment, housing, insurance, or other legal or similarly significant eligibility. Suggestions remain subject to evidence and, where applicable, your review or approval.

5.1 Optional AI, Receipts, and Voice

Cloud AI requires separate opt-in and the relevant feature permissions. You can withdraw those permissions through privacy controls. Core financial tracking remains available without cloud AI. Turning a feature off does not automatically delete previously saved messages, plans, or memory records; deletion is described in the Privacy Policy.

Ellio may propose changes to supported records. Review any proposed action and confirm it where requested. Receipt and voice extraction can misread names, dates, currencies, amounts, or commands. Check the result before saving, or before enabling an automatic save option. The current receipt scanner uses on-device text recognition. Receipts linked to bank-connected accounts may be staged for matching or attached to an existing transaction; they do not instruct your bank to move money.

6. Your Content

You retain ownership of content you submit to the Services ("User Content"). User Content may include financial records, account names, transactions, budgets, goals, debts, projects, notes, receipt images, voice input, imports, support messages, AI prompts, and AI planning content. You grant Yomex a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display User Content only as necessary to provide features you request, secure the Services, comply with law, and improve the Services where permitted by our Privacy Policy and your privacy choices. You represent that you have all rights necessary to submit User Content and that it does not violate these Terms or applicable laws.

Your financial records remain private under the Privacy Policy. This license does not give us ownership of your records or permission to publish them. It ends when the content is deleted, except for processing needed for lawful retention, backups, or obligations described in the Privacy Policy. Only submit records you are entitled to use, including information about other people appearing in debts, receipts, statements, or conversations.

6.1 Feedback

If you submit suggestions, bug reports, or feedback about an AI response, we may investigate them and use your suggestions to improve the Services without payment or an obligation to implement them. Personal information and conversation content included in a report remain subject to the Privacy Policy. We will not identify you publicly or publish your private financial information as a testimonial without your permission.

7. Intellectual Property

The Services, including all software, designs, text, graphics, and logos, are owned by or licensed to Yomex and are protected by intellectual property laws. Except for the limited rights expressly granted herein, no rights are transferred to you. All rights not expressly granted are reserved by Yomex and its licensors.

8. Third‑Party Services

The Services may use or integrate with third-party services for app hosting, authentication, storage, subscriptions, store billing, connected accounts where available, AI processing, notifications, error monitoring, product analytics, customer support, and app updates. The Services may also contain links to third-party websites. Your use of third-party services may be governed by their own terms and privacy policies when you interact directly with them. Our use of service providers does not remove our obligations to you under applicable law. We are not responsible for third-party services and disclaim any liability arising from your use of them, except where applicable law says otherwise.

8.1 Bank Connections and Statement Imports

When you connect an account, you authorize Yomex and its bank-connect provider to request the account and transaction data needed for the feature you selected. Yomex does not ask you to give us your online-banking password. Connection availability, refresh timing, historical range, and the merchant, sender, recipient, remark, or reference fields supplied by a bank can vary.

Disconnecting a bank account stops its use for future synchronization in Yomex; it does not automatically erase records already imported or records held by your bank or connectivity provider. Use Yomex deletion controls for stored records, and the provider's controls where needed to revoke its authorization.

Yomex may preserve provider evidence and add clearly identified interpretations such as merchant, counterparty, category, recurring stream, or transfer suggestions. Where evidence is incomplete, the record may remain unresolved and require your clarification. We do not guarantee that every transaction will contain a complete description or counterparty.

The bank-statement import is a beta feature. It may accept a PDF or CSV you select, ask for a PDF password, match rows to existing transactions, and offer unmatched rows for your approval. Passwords and uploaded statement files are discarded after processing. Image-only scanned PDFs may not work. You are responsible for having the right to upload the statement and for checking matches before applying them; ambiguous rows are not automatically applied.

9. Privacy

Our collection and use of personal data is described in our Privacy Policy. Using the Services does not constitute consent to optional processing. Where consent is required, we will request it separately and you may withdraw it through available in-app controls or by contacting us.

You can export personal data through Privacy & Trust or the profile's data controls. Clear Data removes stored financial and related data while keeping your sign-in account; Delete Account also removes the sign-in account. Export anything you need before confirming deletion. Uninstalling Yomex does not delete server-held data. Clearing data or deleting your account does not automatically cancel an app-store subscription. See the Privacy Policy for retention exceptions, backups, and records held independently by other providers.

10. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOMEX DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ERROR‑FREE OR UNINTERRUPTED.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL YOMEX OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COVER, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY WILL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

These exclusions and limits apply only where lawful. They do not exclude liability that cannot be excluded under applicable law, including fraud or any mandatory consumer rights.

12. Indemnification

To the extent permitted by applicable law, you will indemnify and hold harmless Yomex and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from third-party claims caused by your unlawful use of the Services or infringement of their rights. This does not apply to claims caused by our own breach or misconduct or override mandatory consumer protections.

13. Suspension and Termination

We may suspend or terminate your access where reasonably necessary, including for violation of these Terms, legal requirements, fraud, security, or protection of users or third parties. Upon termination, your right to use the Services will cease. Termination does not remove your privacy rights; account deletion and legally required retention are handled as described in the Privacy Policy. Provisions that by their nature should survive termination will remain effective.

14. Governing Law; Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict of law principles, unless consumer protection laws in your jurisdiction require another result. You and Yomex agree to first try to resolve any dispute informally by contacting hello@useyomex.com. If a dispute cannot be resolved informally, it will be handled by the competent courts or dispute resolution forum required by applicable law.

15. Changes to the Services or Terms

We may modify the Services and these Terms from time to time. We will post the updated Terms with a new effective date. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms where permitted by law. We will give notice of material changes and obtain agreement where required. Subscription price changes remain subject to the applicable store's notice and consent rules. If you do not accept revised Terms, you may stop using the Services, export your data, and close your account; cancel any subscription separately through the store.

16. Miscellaneous

• These Terms constitute the entire agreement between you and Novuspire Limited.
• If any provision is found unenforceable, the remaining provisions will remain in full force.
• You may not assign these Terms without our prior written consent.
• Notices may be provided via the Services, email, or posted to our website. For questions, contact hello@useyomex.com.

Contact

Novuspire Limited • Email: hello@useyomex.com