Nummira

Terms of Use

Last updated: October 8, 2026

1. Acceptance of Terms

By downloading, accessing, or using Nummira (“the App”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you may not use the App. These Terms constitute a legal agreement between you and Nummira Inc. (“we”, “us”, or “our”).

2. Description of Service

Nummira is a personal net worth tracking application that helps users track assets, liabilities, transactions, and financial goals. Features include net worth tracking, financial reporting, reminders, and AI-assisted valuations and insights. The App does not connect to any bank, brokerage, or exchange APIs — all financial data is entered manually by the user.

3. Account Registration

To use certain features, you must create an account by providing a valid email address and password, or by signing in through a supported third-party service (Google or Apple). You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Subscriptions and In-App Purchases

Nummira offers auto-renewable subscription plans (“Premium”) and consumable in-app purchases (“AI Credits”). By purchasing a subscription or in-app purchase, you agree to the following:

  • Payment: Payment will be charged to your Apple ID account (or Google Play account) at the confirmation of purchase.
  • Auto-Renewal: Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current subscription period.
  • Renewal Charge: Your account will be charged for renewal within 24 hours prior to the end of the current period at the rate of the selected plan.
  • Managing Subscriptions: You can manage and cancel your subscriptions by going to your Account Settings in the App Store (or Google Play Store) after purchase.
  • Free Trials: New subscribers may be offered a free trial: 7 days on the Monthly plan and 1 month on the Yearly plan. During the trial the subscription's AI Credit allowance is 1 credit per day. Any unused portion of the trial is forfeited when you purchase the subscription, where applicable.
  • AI Credits: AI Credits are consumable. Credits purchased directly as a pack never expire and roll over indefinitely. An active Premium subscription includes 300 AI Credits per calendar month (UTC); unused subscription credits expire at the end of that month and do not carry over. Once a credit is used, it cannot be refunded.

Prices are subject to change. Current pricing is displayed in the App prior to purchase. All purchases are processed through the App Store or Google Play and are subject to their respective terms and conditions.

Pricing changes: We may change subscription prices, AI Credit pack prices, and the number of AI Credits an individual request consumes at any time — including, without limitation, where our third-party providers (AI services, hosting, market-data sources) change the prices of their services. Such changes apply prospectively and do not affect credits you have already purchased. Price changes for auto-renewing subscriptions take effect in accordance with App Store / Google Play rules, and you will be able to review the new price before it applies to you.

5. No Financial Advice

Nummira is a tracking and analysis tool only. The App does not provide professional financial, investment, tax, or legal advice. Any information, insights, or projections provided by the App (including AI-generated content) are for informational purposes only — educational only, not financial advice. You are solely responsible for your financial decisions and should consult qualified professionals where needed.

6. AI Features Disclaimer

The App utilizes third-party AI services — currently Google Gemini, OpenAI, and Anthropic Claude — to provide estimations, insights, digests, and debt payoff plans. The set of providers may change; the current list is maintained in the Privacy Policy. You acknowledge that:

  • AI outputs may be inaccurate, outdated, or misleading.
  • We do not guarantee the accuracy, completeness, or reliability of any AI-generated valuation, insight, or forecast.
  • You are solely responsible for verifying any information provided by the App's AI features.

7. Accuracy of Information; Assumption of Risk

All information displayed in the App — including balances, aggregated metrics, reports, charts, currency conversions, market prices, reminders, and any AI-generated content — is provided for informational purposes only, on an “as is” basis, and without any warranty as to its accuracy, completeness, timeliness, or fitness for a particular purpose. Calculations depend on data you enter and on third-party sources (e.g., exchange rates and market prices) that may be delayed, unavailable, or incorrect. We assume no responsibility or liability for any information shown in the App or for any actions taken, or not taken, in reliance on it. You use the App and rely on its information entirely at your own risk.

8. User Conduct

You agree not to misuse the App, including but not limited to: attempting to reverse-engineer the App, using the App for any unlawful purpose, interfering with the App's infrastructure, or creating multiple accounts to abuse free trials or promotional offers.

9. Account Deletion

You may delete your account at any time from within the App (Settings → Profile → Delete Account). Upon deletion, all your personal data, financial records, transaction history, and associated content will be permanently removed from our servers. Please note that active subscriptions are not automatically cancelled upon account deletion — you must cancel them separately through the App Store or Google Play Store.

10. Intellectual Property

The App and its original content, features, and functionality are owned by Nummira Inc. and are protected by international copyright, trademark, and other intellectual property laws.

11. Changes to the Service and Terms

We reserve the right to modify, suspend, or discontinue any part of the App at any time. We may update these Terms from time to time. Your continued use of the App after any changes constitutes acceptance of the revised Terms. We will notify you of material changes through the App or via email.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Nummira Inc. and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of (or inability to access or use) the App;
  • Any financial decisions made based on information from the App;
  • Errors, inaccuracies, or omissions in AI-generated content;
  • Unauthorized access to your account or data.

The App is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, either express or implied. In any event, our aggregate liability arising out of or relating to the App shall not exceed the amount you paid us in the twelve (12) months preceding the event giving rise to the claim.

13. Indemnification

You agree to indemnify, defend, and hold harmless Nummira Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your use of the App, your violation of these Terms, or your violation of any rights of a third party.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

15. Contact Us

If you have questions about these Terms, please contact us at [email protected].