Terms and Conditions

By creating an account and/or using any feature of the novia application ("the APP"), the USER declares that they know and accept these Terms and Conditions, as well as the Privacy Policy associated with the APP. If they do not agree, they must refrain from using it.

The APP is intended exclusively for persons of legal age who reside in the Dominican Republic in accordance with applicable law. Upon registering, the USER declares under oath that they are of legal age, that they reside in the Dominican Republic, and that they have full legal capacity to enter into contracts. NOVIA, S.A.S. is not responsible for access or improper use by minors and may cancel accounts or delete information if it detects non-compliance.

novia is a mobile application that enables the analysis, processing and visualization of the USER's personal financial information, based on the documents that the USER voluntarily uploads and with the legitimacy of being the owner of that information (for example, account statements or financial reports).

The visualizations, reports, classifications and analyses generated by the APP are informative and indicative in nature, and do not constitute suggestions or inducements for financial, tax, accounting, legal or professional decisions.

The USER assumes full responsibility for the decisions, actions or omissions they adopt based on the information displayed by the APP, releasing NOVIA, S.A.S. from any claim, damage or loss derived directly or indirectly from such decisions.

The APP does NOT carry out banking transactions, payments, investments or advisory services, nor is it connected in real time with financial or banking institutions.

• To make full use of the services, the USER must register with truthful and up-to-date information.
• The USER is responsible for maintaining the confidentiality of their password and access credentials, as well as for any activity that occurs under their account.
• The USER must immediately notify NOVIA, S.A.S. of any unauthorized access, loss of credentials or suspicious activity.

By accepting these terms and conditions, the USER certifies that they are of legal age and a resident of the Dominican Republic; likewise, they acknowledge and accept that they are solely responsible for the content of the financial documents they upload to the APP, including, without limitation, bank statements, financial reports or other similar documents.

The USER declares that:

• They have the legitimate right to upload such documents.
• The documents correspond to their own financial information, or they have the express authorization of the holder.
• The information provided is truthful, complete and up to date.

NOVIA, S.A.S. collects and processes only the personal data strictly necessary for the authentication of the USER, the provision of the services and the operation of the APP.

The financial documents that the USER voluntarily uploads to the APP, such as bank statements or other similar reports, are processed temporarily for the sole purpose of carrying out the requested analyses, and are deleted automatically after processing or at the end of the corresponding session, unless a legal obligation provides otherwise.

The USER acknowledges and accepts that:

• They are solely responsible for the content of the documents they upload to the APP.
• They declare that they have the legitimate right and sufficient authorization to upload such documents.
• Should the documents contain personal or financial data of third parties, they hold the express consent of the holders of that information.

NOVIA, S.A.S. does not verify the authenticity, accuracy or ownership of the documents uploaded by the USER, nor does it assume any responsibility for the improper use of third-party information; the USER shall be the one to answer for any claim, penalty or damage arising from such use.

The processing of personal data is carried out in accordance with the provisions of Law No. 172-13 on the Protection of Personal Data and other applicable regulations in the Dominican Republic. The USER may exercise at any time their rights of access, rectification, cancellation and objection (ARCO rights), as detailed in the APP's Privacy Policy.

For more information about the processing of personal data, purposes, security measures and the exercise of rights, the USER may consult our Privacy Policy, available in the APP and through the official channels of NOVIA, S.A.S.

The USER undertakes to use the APP in a personal, responsible and lawful manner, in accordance with these Terms and Conditions, applicable law and contractual good faith.

The USER is expressly prohibited, without prejudice to other restrictions set out in these Terms, from:

• Using the APP for commercial, professional or business purposes without the express prior authorization of NOVIA, S.A.S.
• Using the APP to carry out unlawful, fraudulent, deceptive activities or activities contrary to public order.
• Uploading, transmitting or introducing into the APP malicious code, viruses, malware, spyware or other elements that may damage, alter or affect the operation of the APP, its systems or those of third parties.
• Impersonating other persons or providing false, inaccurate or misleading information.
• Manipulating, interfering with or attempting to gain unauthorized access to the systems, features, databases or internal processes of the APP.
• Using the APP in a way that may compromise the security, stability or integrity of the services, or negatively affect the experience of other USERS.

Failure to comply with the obligations set out in this article may lead, at the discretion of NOVIA, S.A.S., to the temporary suspension or permanent cancellation of the USER's account, without prejudice to any legal action that may apply.

NOVIA, S.A.S. grants a limited, non-exclusive, revocable and non-transferable license for the personal use of the APP. Decompiling, copying, distributing, modifying or commercially exploiting the APP or any of its contents is not permitted.

All software, code, logos, texts, images and content of novia are the property of NOVIA, S.A.S. or its suppliers. The improper use of the trademarks and related rights is prohibited.

By accepting these terms and conditions, the USER acknowledges and accepts that the APP uses automated processes, including digital analysis and text recognition technologies, to process the uploaded financial documents. Due to the automated nature of the service, errors of interpretation, classification, reading or calculation may occur.

The reports and analyses of the APP are indicative and informative in nature, and are NOT financial, legal or professional advice; therefore:

• NOVIA, S.A.S. does not guarantee the absolute accuracy of the results obtained, nor that the analyses faithfully reflect the entirety of the information contained in the original documents.
• NOVIA, S.A.S. and its officers shall not be liable for direct, indirect, incidental or consequential damages arising from the use of the APP.
• The USER acknowledges that the analysis is carried out through automated processes that may contain errors of interpretation, classification or calculation.
• The USER accepts that use of the APP is at their own risk, and that they must independently verify any information before using it for material purposes.

The APP may offer a Premium access tier through a paid subscription, which enables additional features, expanded limits, advanced reports or other exclusive characteristics, as described within the APP at the time of purchase.

The Premium subscription may be monthly and/or annual, according to the available plans, and its price will be clearly disclosed before the payment is confirmed. All amounts include applicable taxes, unless otherwise indicated.

The subscription renews automatically at the end of each billing period, unless the USER cancels it beforehand from the APP or from the corresponding payment platform (App Store, Google Play or another authorized provider).

Charges will be made in advance at the beginning of each subscription period using the payment method selected by the USER.

The USER may cancel the subscription at any time, retaining Premium access until the end of the period already paid for. No full or partial refunds will be made for unused periods, unless applicable law provides otherwise or the App Store or Google Play policies require it.

NOVIA, S.A.S. reserves the right to modify the prices, plans or features of the Premium subscription, giving reasonable advance notice through the APP or by email. Continuing the subscription after the change takes effect implies acceptance of the new price or conditions.

Failure to pay, the detection of fraudulent use, or the violation of these Terms may lead to the immediate suspension or cancellation of Premium access, without any right to compensation.

The APP may offer the USER an additional, optional and non-mandatory feature that enables the detection, extraction and automatic recording of personal expenses from emails.

If the APP uses tracking or analytics technologies (for example, Google Analytics, Firebase), the USER will be informed during registration and may accept or reject such collection as applicable.

The APP may contain links to or integrations with third-party services. NOVIA, S.A.S. is not responsible for the content, policies, practices or damage arising from the use of these third parties.

NOVIA, S.A.S. may modify these Terms and Conditions and the APP at any time. Changes will be communicated through the APP or by email. Use following the notification implies automatic agreement.

The license is revocable at any time by NOVIA, S.A.S. We reserve the right to suspend or cancel accounts for improper use, suspected fraud, legal non-compliance, judicial requirements, protection of the system, or violations of these Terms.

NOVIA, S.A.S. shall not be liable for the total or partial non-performance of its obligations, nor for the interruption, suspension or temporary unavailability of the APP, where this is the consequence of fortuitous events or force majeure, including, by way of example but not limitation:

• Failures or interruptions in telecommunications, internet or electrical power services.
• Outages, maintenance or failures of servers, cloud systems, technology providers or third-party platforms.
• Acts of authority, legal or regulatory provisions.
• Natural disasters, fires, floods, earthquakes, pandemics or other health emergencies.
• Cyberattacks, security incidents, malware or acts of third parties beyond the reasonable control of NOVIA, S.A.S.
• Labor disputes, civil unrest or other unforeseeable events.

During the occurrence of a force majeure event, NOVIA, S.A.S. shall be released from liability and may suspend the service in whole or in part while the causes that gave rise to it persist, without this giving rise to any right to indemnification, compensation or refund in favor of the USER.

Once the causes of the force majeure event have ceased, NOVIA, S.A.S. will endeavor to restore the service as promptly as reasonably possible, without this implying a guarantee of absolute continuity.

These Terms are governed by the law of the Dominican Republic (including Law 172-13) and, on a supplementary basis, by international regulations and the policies of the App Store and Google Play. Disputes will be submitted to the competent courts of Santo Domingo.

For inquiries, clarifications, reports of improper use, ARCO rights requests or any claim, the USER may write to: soporte@novia.com.do

• The nullity of one clause does not affect the validity of the others.
• The failure to exercise a right does not imply a waiver of it.
• These terms constitute the entire agreement between the parties regarding the use of the APP.