Terms of Use

Who provides Norviq

Norviq is provided by Fernando Correia, an individual (sole operator; no company is registered yet), based in Portugal. Correspondence address: Rua Espírito Santo 187, Matosinhos, Portugal. Email: fernando@facorreia.com.

The service

Norviq provides personal finance planning, portfolio tracking, watchlists, expense and budget tracking, valuation and research tools, alerts, reports and optional AI features, on iPhone and the web. Some features need a paid subscription.

Eligibility and your account

You must be at least 18 years old to use Norviq.

You are responsible for keeping your sign-in credentials secure and for activity under your account. Give accurate account information, and do not access or try to access anyone else's account or data. Tell us straight away at fernando@facorreia.com if you think your account has been compromised.

Read-only financial data

Norviq aggregates and displays your financial data for your information. Connections to brokers and banks are read-only: Norviq does not execute trades, transfers or payments.

You are responsible for the accuracy of the data you enter, import or upload. Imports and broker or bank feeds can contain errors made by you, the file, or the provider.

Not investment, tax or legal advice

Norviq is a planning, portfolio tracking and research support tool. It is not an investment adviser, broker, tax adviser, legal adviser or fiduciary.

Nothing in Norviq, including AI-generated content, is financial, investment, legal, tax, accounting or trading advice. Norviq does not recommend that you buy, sell, hold or avoid any security, asset, cryptocurrency, fund or financial product.

Market data, company data, news, calculations, valuation scenarios, projections, fair value estimates, alerts and reports may be delayed, incomplete, unavailable, inaccurate, or based on assumptions that do not match your circumstances. Projections and scores are planning aids, not guarantees of future performance.

You are solely responsible for your investment and financial decisions and for checking data with primary sources, a regulated professional or your broker before acting.

Subscriptions and payments

Paid features are offered as auto-renewing subscriptions and, for some items, one-off purchases. Prices, billing period and any trial terms are shown before you buy.

On iPhone, purchases are made through the App Store and billed by Apple under Apple's terms. Renewal, cancellation and refunds for App Store purchases are handled by Apple; manage them in your Apple account settings.

On the web, purchases are made through our checkout (RevenueCat Web Billing, with card payments processed by Stripe). You can cancel a web subscription at any time; it stays active until the end of the period you paid for.

Right of withdrawal (EU and EEA consumers, web purchases): you can withdraw from a web purchase within 14 days of buying it without giving a reason, by emailing fernando@facorreia.com with a clear statement. We refund you within 14 days of receiving it, using the original payment method. If you asked for a subscription to start during the withdrawal period, we may keep an amount proportional to the service already provided. For digital content supplied immediately, the right to withdraw ends once supply begins, if you expressly agreed to that and acknowledged that you would lose the right.

You can use the model withdrawal form below, but you do not have to.

Model withdrawal form

(Complete and return this form only if you wish to withdraw from the contract.)

To Fernando Correia, fernando@facorreia.com:

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the supply of the following service / digital content (*):

Ordered on (*) / received on (*):

Name of consumer(s):

Address of consumer(s):

Signature of consumer(s) (only if this form is notified on paper):

Date:

(*) Delete as appropriate.

Acceptable use

Use Norviq only for lawful purposes. Do not misuse the service, overload the API, bypass entitlement or usage limits, scrape data at scale, interfere with security, or reverse engineer private APIs.

Friends and user content

Norviq lets you connect with friends, share profiles, streaks and leaderboard positions, publish articles and send content to people you are connected with.

There is zero tolerance for objectionable content or abusive users: harassment, hate speech, threats, sexual content, spam, scams, impersonation and anything illegal are not allowed.

You can report a person from their profile (Report) and block them at any time; blocking hides you from each other immediately. You can also report content or users by email to fernando@facorreia.com.

We aim to review every report within 24 hours. We remove objectionable content and suspend or remove users who break these rules from social features or from Norviq altogether.

Ending your use of Norviq

You can stop using Norviq and delete your account at any time on the web in Settings, Profile, Delete account, or in the iPhone app in Profile, Delete account. Cancel any App Store subscription in your Apple account first; deleting your Norviq account does not cancel it.

We may suspend or close an account that breaks these terms, puts other users or the service at risk, or where the law requires it. Unless the situation is urgent or the law prevents it, we tell you first and give you the chance to export your data. If we stop offering Norviq altogether, we give at least 30 days' notice.

Liability

To the extent the law allows, Norviq is not liable for losses arising from investment or financial decisions, inaccurate user-entered or imported data, unavailable or inaccurate market data, outages of third-party providers, app store or payment platform issues, or use of the service in ways it does not support.

To the extent the law allows, our total liability to you for any claim relating to Norviq is limited to the fees you paid for Norviq in the 12 months before the claim.

Nothing in these terms excludes or limits liability that cannot be excluded or limited by law, including liability for death or personal injury caused by negligence, for fraud, or for gross negligence or wilful misconduct, and nothing affects your statutory rights as a consumer.

Governing law and disputes

These terms are governed by the law of Portugal. If you are a consumer living in another EU country, you also keep the protection of the mandatory consumer law of that country, and you can bring a claim in the courts where you live.

Please contact us first so we can try to resolve any issue. The European Commission's Online Dispute Resolution platform has closed.

Out-of-court resolution (Lei n.º 144/2015): the competent alternative dispute resolution entity is CNIACC (Centro Nacional de Informação e Arbitragem de Conflitos de Consumo, www.cniacc.pt). The full list of consumer dispute resolution entities is published at www.consumidor.gov.pt. If you live elsewhere in the EU, you can also contact the consumer body where you live.

Macroeconomic data sources

Economy pages display public statistics from official sources: Eurostat (EU statistics), the European Central Bank Data Portal (policy rates and reference rates), the Federal Reserve Bank of St. Louis FRED API (United States series and international mirrors), IBGE and Banco Central do Brasil (Brazil). Figures are reproduced as published by those institutions, which do not endorse Norviq.

FRED® data is used under the FRED® API Terms of Use, available at https://fred.stlouisfed.org/docs/api/terms_of_use.html. By using Norviq features that display FRED® data you agree to be bound by those terms. FRED® is a registered trademark of the Federal Reserve Bank of St. Louis, which is not affiliated with Norviq.

Statistics are indicative and may be revised by the publishing institution after release. Norviq shows the as-of date and source for each figure; always check the original source before relying on a number.

Privacy

How we handle personal data is described in the Privacy Policy, which forms part of these terms.

• Privacy Policy

Changes to these terms

We may update these terms as Norviq changes or the law requires. We give at least 30 days' notice of material changes in the app or by email, and the date at the top always shows the current version. If you do not agree to a change, you can delete your account before it takes effect.

Contact

Questions about these terms: fernando@facorreia.com.