By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1) Who We Are; What We Provide (Not Investment Advice)

Nuviter provides investment research tools, analytics, educational content, and AI-assisted summaries. We do not provide brokerage, custodial, execution, tax, legal, or personalized investment advice, and we do not recommend or endorse any specific securities, strategies, or trades. You are solely responsible for your investment decisions and should consult qualified professionals about your specific situation.

No Fiduciary Duty. Your use of the Services does not create a fiduciary relationship between you and Nuviter.
Educational Use Only. Content and outputs (including AI-generated text) are for informational and educational purposes only and may be incomplete, inaccurate, delayed, or otherwise unreliable.

2) Eligibility & Accounts

• Minimum Age. You must be at least 13 years old (or the minimum required by your jurisdiction). If you are under 18 (or the age of majority where you live), you may use the Services only with the involvement of a parent or legal guardian who agrees to these Terms.

• Registration. If you create an account, you must provide accurate, current information and keep it updated. You are responsible for safeguarding your credentials and all activity under your account. Notify us immediately of unauthorized use.

• One Person, One Account. Do not share your account with others or misrepresent your identity.

3) License & Acceptable Use

3.1 Limited License

Subject to these Terms, Nuviter grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, noncommercial purposes.

3.2 Prohibited Conduct

You agree not to:

• Copy, scrape, harvest, index, or bulk-download content or data except via features we intentionally provide.

• Reverse engineer, decompile, or attempt to derive source code or models.

• Bypass or interfere with security, rate limits, or access controls.

• Upload malware, harmful code, illegal content, or content that infringes others’ rights.

• Use the Services to provide competing products, to benchmark without consent, or to violate law or third-party terms (including market-data provider terms).

• Use any automated means (bots, spiders) without our prior written permission.

We may immediately suspend or terminate access for violations.

4) Content & Intellectual Property

4.1 Nuviter Content

All content, user interface, designs, software, frameworks, templates, models, algorithms, educational modules, and trademarks are owned by Nuviter or its licensors and are protected by intellectual-property laws. Except as expressly permitted in these Terms, you may not reproduce, modify, distribute, publicly display, or create derivative works.

4.2 User Content; Feedback

If you submit content (e.g., text, prompts, feedback, support requests), you grant Nuviter a worldwide, royalty-free, sublicensable license to use, reproduce, modify, and create derivative works to operate, improve, and provide the Services. Feedback is voluntary; we may use it without restriction or compensation.

4.3 Third-Party Content & Market Data

The Services may display or depend on content, data, logos, analytics, or links provided by third parties (e.g., market-data providers, news, filings APIs). We do not control or guarantee the accuracy, timeliness, or completeness of such content and disclaim responsibility for it. Your use of third-party content may be subject to additional terms from those providers.

5) AI-Generated Outputs & Data Sources

AI summaries, insights, or scores may be inaccurate, incomplete, or outdated. Do not rely on them as a sole source of truth. Always verify with primary sources (e.g., company filings) before making decisions. We may change, replace, or retire models, prompts, or data sources at any time.

6) Changes to the Services

We may modify, suspend, or discontinue any part of the Services (including features, data sources, or availability) at any time, with or without notice. To the maximum extent permitted by law, we are not liable for such changes.

7) Subscriptions, Trials, Billing

• Free & Paid Tiers. Some features may require a paid subscription or in-app purchase. Prices and features can change.

• App Store Billing. If you purchase via Apple App Store or Google Play, their terms and policies govern billing, renewals, cancellations, and refunds. Nuviter does not control store billing.

• Renewals. Paid plans typically renew automatically until canceled.

• Cancellations/Refunds. Cancel via the platform where you subscribed. Unless required by law, fees are non-refundable.

• Promotions/Trials. Trial periods may convert to paid subscriptions unless canceled before the trial ends.

8) Privacy

Your use of the Services is governed by our Privacy Policy (posted at https://nuviter.com/privacy or applicable in-app link). The Privacy Policy explains what we collect, how we use it, and your choices. To the extent of any conflict, the Privacy Policy controls with respect to personal data.

9) Communications; E-Sign Consent; SMS (If Enabled)

You consent to receive electronic communications (e.g., emails, in-app messages) about your account, security alerts, and legal notices. If we offer SMS alerts and you opt in, message/data rates may apply; frequency varies. Reply STOP to cancel, HELP for help. Some transactional or service messages are required and may not be opted out of.

10) Third-Party Links & Services

The Services may link to third-party websites or services. We do not endorse or assume responsibility for them. Access is at your own risk and subject to third-party terms and privacy policies.

11) App Stores; Third-Party Beneficiaries

If you obtained the app from Apple or Google, you acknowledge:

• These Terms are between you and Nuviter, not Apple or Google.

• Apple/Google are third-party beneficiaries of these Terms and may enforce them.

• Apple/Google have no obligation to provide maintenance or support for our app.

• To the extent permitted by law, Apple/Google have no warranty obligations and no liability related to the app.

12) Disclaimers

THE SERVICES (INCLUDING ALL CONTENT, DATA, ANALYTICS, AI OUTPUTS, AND MATERIALS) ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, NUVITER AND ITS LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, TIMELINESS, AND RELIABILITY.
We do not warrant that the Services will be uninterrupted, error-free, secure, or that defects will be corrected. Market data and third-party content may be delayed or inaccurate. Past performance does not guarantee future results.

13) Limitations of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NUVITER AND ITS AFFILIATES, LICENSORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS INTERRUPTION; OR FOR SUBSTITUTE GOODS OR SERVICES—ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT WILL NUVITER’S TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO NUVITER FOR THE SERVICES IN THE 12 MONTHS BEFORE THE CLAIM AROSE; OR (B) $100 USD.
Some jurisdictions do not allow certain limitations; some parts of this section may not apply to you.

14) Indemnification

You agree to defend, indemnify, and hold harmless Nuviter, its affiliates, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your infringement or misappropriation of any third-party right; or (d) your content or conduct.

15) Suspension & Termination

We may suspend or terminate your access to the Services at any time (with or without notice) for any reason, including suspected violations of these Terms, fraud, or security concerns. You may stop using the Services at any time. Upon termination, sections that by their nature should survive (e.g., IP, disclaimers, limitations of liability, indemnity, dispute resolution) will survive.

16) Compliance; Export; Sanctions

You must comply with all applicable laws and regulations, including export control and sanctions laws. You represent that you are not located in, organized under the laws of, or ordinarily resident in any country or region subject to comprehensive U.S. sanctions, and you are not on any restricted-party list.

17) Beta Features & Experimental Tools

We may offer beta or pre-release features. They are provided “as is,” may contain bugs, may be discontinued, and may be subject to separate terms. Use is at your own risk.

18) DMCA & IP Complaints

If you believe content on the Services infringes your copyright, please send a notice with: (a) your contact info; (b) identification of the copyrighted work; (c) identification of the allegedly infringing material; (d) a statement of good-faith belief; (e) a statement under penalty of perjury of accuracy and authority; and (f) your physical or electronic signature.
Designated Agent: Newt Thomas, Nuviter LLC, 6910 MS Highway 389, newt@nuviter.com.

19) Governing Law; Venue; Jury Trial Waiver

These Terms are governed by the laws of the State of Mississippi, without regard to conflict-of-laws principles. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Mississippi for claims not subject to arbitration (if applicable). You waive any right to a jury trial to the extent permitted by law.

20) Arbitration & Class Action Waiver (If You Keep This Section)

Binding Arbitration. Any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the AAA under its Consumer Arbitration Rules. The seat of arbitration will be Oktibbeha, Mississippi, and one arbitrator will preside.
Class Action Waiver. Disputes will be resolved only on an individual basis; class, collective, or representative actions are not permitted.
Opt-Out. You may opt-out of arbitration and the class action waiver by emailing legal@nuviter.com within 30 days of first accepting these Terms; include your full name and the email tied to your account.
This section does not apply where prohibited by law, and you may bring qualifying claims in small claims court.

21) Changes to These Terms

We may revise these Terms from time to time. If we make material changes, we will provide notice (e.g., by email, in-app notice, or updating the “Effective Date”). Your continued use after changes become effective constitutes acceptance of the revised Terms.

22) Miscellaneous

• Entire Agreement. These Terms (plus any referenced policies, including the Privacy Policy) are the entire agreement between you and Nuviter regarding the Services.

• Severability. If any provision is found unenforceable, the remainder remains in effect.

• No Waiver. Our failure to enforce a provision is not a waiver.

• Assignment. You may not assign these Terms without our consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

• Force Majeure. We are not liable for delays or failures caused by events beyond our reasonable control (e.g., natural disasters, outages, war, governmental actions).

23) Contact Us

Nuviter LLC
6910 MS Highway 389
Support: support@nuviter.com
Legal: legal@nuviter.com