Terms of Use and EULA

Last updated: 25 September 2026.

The agreement

These Terms of Use and End-User Licence Agreement (the “Terms”) are a legally binding agreement between you and Nigmatic LTD, a company registered in the Republic of Cyprus with the Department of Registrar of Companies and Intellectual Property under registration number HE 370819 (“Nigmatic”, “we”, “us”, “our”). They govern your use of the website nigmatic.pro (the “Website”) and of every application published by Nigmatic (each an “Application”).

By downloading, installing, accessing or using an Application or the Website, you agree to these Terms and to our Privacy Policy. If you do not agree, do not download, install or use them. You must be at least 18 years old to use the Applications or the Website.

Licence

Subject to your compliance with these Terms, we grant you a personal, limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to install and use the Applications on devices that you own or control, for your personal and non-commercial use, and in accordance with the usage rules of the store from which you downloaded them.

Subject to your compliance with these Terms, we also grant you a personal, limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and view the Website for your personal and non-commercial use.

The Applications and the Website are licensed, not sold. No title, ownership or intellectual property right in the Applications or the Website is transferred to you.

Restrictions

You may not, and may not allow anyone else to:

• copy, modify, translate, adapt or create derivative works of an Application or the Website;
• reverse engineer, decompile, disassemble or attempt to derive the source code of an Application, except to the extent that applicable law expressly permits this despite this restriction;
• sell, rent, lease, lend, sublicense, distribute or otherwise transfer an Application or this licence;
• remove, alter or obscure any proprietary notice, label or trademark;
• use any robot, scraper or other automated means to access, copy or extract content or data from an Application or the Website, or frame or mirror the Website, without our prior written consent;
• circumvent any security or technical restriction, or gain or attempt to gain unauthorised access to our systems or anyone else’s; or
• use an Application or the Website in breach of any law, including export control and sanctions laws.

Intellectual property and trade names

The Applications, the Website and all software, designs, text, graphics, logos and other content in them, and all intellectual property rights in them, are owned by Nigmatic or its licensors. All rights not expressly granted in these Terms are reserved.

“Nigmatic” and the names and logos of every Application published by Nigmatic are trade names or trademarks of Nigmatic LTD. You may not use them without our prior written consent.

Apple, the Apple logo, iPhone and App Store are trademarks of Apple Inc. Google, Android and Google Play are trademarks of Google LLC. All other trademarks, trade names, product names and logos referred to in the Applications or on the Website belong to their respective owners. Their use is for identification only and does not, by itself, imply that an Application is an official application of, or is sponsored or endorsed by, those owners.

Unless expressly stated otherwise, each Application is independently developed and published by Nigmatic and is not an official application of any third party.

If you send us suggestions or feedback, we may use them freely and without any obligation to you.

No advice, no financial services

The Applications are calculation, information and preparation tools. Nothing in the Applications, on the Website or in our communications is investment, financial, legal or tax advice, a trading signal, or a recommendation to buy, sell or hold any financial instrument.

Nigmatic is a software developer. It is not a broker, exchange, investment firm, fund manager or custodian, does not execute trades and does not hold client money. Trading financial instruments involves a high risk of loss. Any decision you make is your own and at your own risk. If you need advice, consult a licensed professional.

Third-party links and services

The Applications and the Website may contain links to, or use components of, third-party websites, applications, app-store listings or services. Those third parties are separate from Nigmatic. Unless expressly stated otherwise, Nigmatic does not act as their agent or representative and is not responsible for their services. Your use of them is governed by their own terms and privacy policies.

We may receive a fee or other benefit from a third party when you follow a link or install its application after following a link in one of our Applications. Where required by law, any paid or sponsored placement will be identified at or near the relevant promotion. Such a link or promotion is not investment advice or a recommendation to trade.

When using the Applications, you must comply with any applicable third-party terms, such as the terms of your app store and your mobile network provider.

Your account

Where an Application lets you create an account, you agree to provide accurate information and to keep your credentials secure. You are responsible for activity under your account. You can delete your account at any time, as described in the Account deletion section of our Privacy Policy.

Disclaimer of warranties

Nothing in this section affects any mandatory statutory rights or remedies that you may have as a consumer.

To the fullest extent permitted by law, the Applications and the Website are provided “as is” and “as available”, with all faults and without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the Applications or the Website will be uninterrupted, error-free, secure or free of viruses. Calculations and other outputs are for information only and may contain errors; verify anything that matters before relying on it.

Limitation of liability

Nothing in these Terms excludes or limits any liability, right or remedy that cannot be excluded or limited under applicable law, including mandatory rights and remedies under consumer law, liability for death or personal injury caused by negligence, or liability for fraud.

Subject to the above, and to the maximum extent permitted by law, Nigmatic shall not be liable for: (a) any indirect, incidental, special or consequential loss; (b) any loss of profits, revenue, data or business; or (c) any loss arising from trading or investment decisions, whether or not made in reliance on the Applications. Our total aggregate liability to you arising out of or in connection with these Terms shall not exceed the greater of the amount you paid for the relevant Application in the 12 months before the claim arose and EUR 100.

Indemnity

If you use an Application or the Website in the course of a business, then, to the extent permitted by law, you agree to indemnify Nigmatic against any claims, losses and reasonable costs arising from your breach of these Terms or your unlawful misuse of the Applications or the Website.

App store terms

Apple. If you downloaded an Application from the Apple App Store:

• these Terms are concluded between you and Nigmatic only, and not with Apple Inc. (“Apple”). Nigmatic, not Apple, is solely responsible for the Application and its content;
• Apple has no obligation to provide any maintenance or support services for the Application;
• if the Application fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) to you. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the Application;
• Nigmatic, not Apple, is responsible for addressing any claims by you or any third party relating to the Application or your possession or use of it, including product liability claims, claims that the Application fails to conform to any legal or regulatory requirement, and claims under consumer protection, privacy or similar legislation;
• Nigmatic, not Apple, is responsible for the investigation, defence, settlement and discharge of any third-party claim that the Application or your possession and use of it infringes that third party’s intellectual property rights;
• you represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties; and
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, once you accept these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce them against you as a third-party beneficiary.

Google. If you downloaded an Application from Google Play, the Google Play Terms of Service also apply to your use of Google Play.

In each case, the relevant store handles purchases, billing and store refunds made through it. This does not limit any mandatory rights or remedies you may have against Nigmatic.

Suspension and termination

Your licence ends automatically, without notice, if you breach these Terms. We may also suspend or withdraw an Application, the Website or your access to them for technical, legal or security reasons, subject to any mandatory rights you may have under consumer law. You may end these Terms at any time by ceasing to use the Website, deleting the Applications and, where applicable, deleting your account. On termination you must stop using the Website and stop using and delete the Applications. The sections headed Restrictions; Intellectual property and trade names; No advice, no financial services; Disclaimer of warranties; Limitation of liability; Indemnity; and Governing law and jurisdiction survive termination.

Changes

We may update these Terms from time to time for a valid reason, including legal or regulatory changes, security, technical or operational changes needed to maintain or improve the Applications or Website, changes in functionality, or app-store requirements. The current version will always be available on the Website with its date. Where a change materially affects your rights or obligations, we will give reasonable advance notice and, where required by law, obtain your consent or give you any applicable right to terminate. To the extent permitted by law, if you continue to use the Applications or the Website after a change takes effect, you accept the updated Terms. If you do not agree, stop using the Website and the Applications and delete the Applications.

Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them, including non-contractual disputes, are governed by the laws of the Republic of Cyprus. The courts of the Republic of Cyprus have exclusive jurisdiction.

If you are a consumer, nothing in these Terms limits any mandatory consumer protection available to you under the law of your country of habitual residence, or your right to bring proceedings in the courts of that country where that law allows it.

General

These Terms, together with our Privacy Policy, are the entire agreement between you and Nigmatic about their subject matter. If any provision is found invalid or unenforceable, the remaining provisions remain in effect. A failure or delay by us to enforce any provision is not a waiver. You may not assign or transfer your rights under these Terms; we may assign ours. These Terms are written in English; any translation is for convenience only and the English version prevails.

Contact

• Legal entity: Nigmatic LTD, registration number HE 370819
• Registered address: 78 Spyrou Kyprianou, Magnum Business Center, 3rd Floor, 3076, Limassol, Cyprus
• Email: info@nigmatic.pro

Please direct any questions, complaints or claims about the Applications, the Website or these Terms to the contacts above.