Terms and Conditions

Last updated: 4 November 2026

These Terms and Conditions ("Terms") govern your access to and use of the Novix Trader mobile application ("App"). The App is operated by Novix sp. z o.o., a company registered in Poland ("Company", "we", "us", or "our"). By downloading, accessing, or using the App, you agree to these Terms. If you do not agree to these Terms, please do not use the App.

1. Company Information

The App is operated by: Novix sp. z o.o. Registered office: Białystok, Poland Country of registration: Poland Website: https://novix.pro Contact email: nowonovix@gmail.com

2. Description of the App

Novix Trader is a portfolio tracking application designed to help users monitor and manage information related to their investment portfolios. Depending on the features available, the App may allow users to:

• Track financial instruments and investment positions.
• Record portfolio transactions.
• Monitor portfolio allocation and performance.
• Calculate portfolio values based on available information.
• Organize and review investment-related data.

The App is intended for informational and portfolio management purposes only. The App does not require users to create an account to access its core functionality.

3. No Financial or Investment Advice

Novix Trader is not a financial advisor, investment advisor, broker, dealer, exchange, or financial institution. The App does not provide personalized investment recommendations or advice. Any information, calculations, portfolio statistics, market data, or other content displayed through the App is provided for informational purposes only. Nothing in the App constitutes:

• A recommendation to buy, sell, or hold any financial instrument.
• An offer to purchase or sell securities or other financial products.
• A solicitation to engage in investment activities.
• Personalized financial, legal, tax, or investment advice.

You are solely responsible for your investment decisions. Before making any investment decision, you should independently assess the relevant risks and, where appropriate, consult a qualified financial professional.

4. No Trading or Brokerage Services

Novix Trader is a portfolio tracking application. Unless expressly stated otherwise in a separate agreement, the App does not:

• Execute investment transactions.
• Hold or manage users' funds.
• Hold securities or other financial instruments on behalf of users.
• Provide brokerage services.
• Open or maintain investment accounts.
• Guarantee the execution of any transaction.

The App does not act as an intermediary between users and financial markets. Any transactions conducted through external brokers or financial institutions are subject to the terms and conditions of those providers.

5. Market Data and Calculations

The App may display financial information, market prices, portfolio valuations, calculations, and other investment-related data. Such information may be obtained from external sources or calculated using information entered by users. We make reasonable efforts to ensure that information displayed in the App is accurate and up to date. However, we do not guarantee that such information is:

• Accurate or complete.
• Available at all times.
• Updated in real time.
• Free from errors or omissions.

Market data may be delayed, incomplete, or unavailable. Portfolio calculations are estimates based on the information available to the App. They may differ from actual values reported by brokers, exchanges, financial institutions, or other service providers. You should independently verify any information before relying on it.

6. User Responsibilities

You agree to use the App lawfully and responsibly. You are responsible for:

You must not:

• The accuracy of information you enter into the App.
• Maintaining appropriate backups of important portfolio information.
• Verifying financial information before relying on it.
• Ensuring that your use of the App complies with applicable laws.
• Avoiding any use of the App that could damage, disrupt, or compromise its functionality.
• Use the App for unlawful purposes.
• Attempt to gain unauthorized access to the App or its systems.
• Reverse engineer, decompile, or disassemble the App, except where permitted by applicable law.
• Interfere with the operation or security of the App.
• Copy, distribute, or commercially exploit the App without our authorization.

7. Intellectual Property

The App, including its software, design, interface, graphics, logos, text, and other materials, is owned by or licensed to Novix sp. z o.o. All intellectual property rights in the App remain with the Company or the relevant rights holders. We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, lawful purposes in accordance with these Terms. This license does not transfer ownership of the App or any intellectual property rights to you. You may not reproduce, modify, distribute, sell, or create derivative works based on the App without our prior written consent, except as permitted by applicable law.

8. Availability and Updates

We may modify, update, suspend, or discontinue all or part of the App at any time. Updates may include:

• New features.
• Improvements to existing functionality.
• Bug fixes.
• Security updates.
• Changes required by operating systems or third-party services.

We do not guarantee that the App will be available without interruption or that all features will remain available indefinitely. Where required by applicable law, we will provide necessary updates and maintain the functionality required by such law.

9. Third-Party Services

The App may rely on third-party services, including market data providers, hosting providers, operating system services, or other external services. Such services may be subject to separate terms and conditions. We are not responsible for the availability, accuracy, or performance of third-party services that are outside our reasonable control. Your use of third-party services may be governed by the relevant third party's terms and privacy policies.

10. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the App is provided on an "as is" and "as available" basis. We do not guarantee that:

• The App will be uninterrupted or error-free.
• All information will be accurate or complete.
• The App will be compatible with every device or operating system.
• Any particular result will be achieved through the use of the App.

Nothing in these Terms excludes or limits any rights or warranties that cannot be excluded under applicable law.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Novix sp. z o.o. shall not be liable for:

• Investment losses or financial decisions made by users.
• Errors or omissions in market data or portfolio calculations.
• Losses resulting from inaccurate information entered by users.
• Temporary unavailability of the App.
• Loss of portfolio information stored locally on a user's device.
• Failures or interruptions caused by third-party services.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law. In particular, nothing in these Terms limits liability for intentional misconduct or any other liability that cannot legally be excluded under applicable Polish or European Union law.

12. Termination

You may stop using the App at any time by uninstalling it from your device. We may suspend or discontinue access to the App where necessary to:

• Protect the security or integrity of the App.
• Prevent unlawful or abusive use.
• Comply with legal obligations.
• Discontinue or modify the App.

Where appropriate, we will take reasonable steps to minimize disruption to users.

13. Privacy

Your use of the App is also subject to our Privacy Policy. The Privacy Policy explains how personal data is handled in connection with the App. Privacy Policy: https://novix.pro/privacy-policy If the Privacy Policy is published at a different address, the applicable published version will govern.

14. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be published on our website or made available through the App. The "Last Updated" date indicates when the latest changes were made. Where required by applicable law, we will notify users of material changes or obtain their consent. Your continued use of the App after updated Terms become effective constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of Poland, subject to mandatory consumer protection laws applicable to users in their country of residence. Any disputes arising from these Terms shall be subject to the jurisdiction of the competent courts in accordance with applicable law. Nothing in this section deprives consumers of any mandatory rights or protections granted to them under applicable European Union or national legislation.

16. Consumer Rights

If you are a consumer, you may have rights under applicable consumer protection legislation. Nothing in these Terms is intended to exclude, restrict, or limit any mandatory consumer rights that cannot legally be excluded or limited. Where applicable, consumers residing in the European Union may benefit from mandatory protections under EU consumer law.

17. Contact Information

For questions regarding these Terms or the use of Novix Trader, please contact: Novix sp. z o.o. Białystok, Poland Website: https://novix.pro Email: nowonovix@gmail.com