Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the NIOB Finance platform, the website niob.finance, and all related web and mobile applications, including the mobile app "NIOB Finance Insight" for iOS and Android. The provider is Chîffre IT Solutions (see Imprint).

2. Acceptance of Terms

By using our services – in particular by downloading, installing, or using the NIOB Finance Insight mobile app – you expressly agree to these Terms. In-app purchases and subscriptions within the app are additionally subject to the terms of the respective app store (Apple App Store or Google Play Store). Subscriptions renew automatically and can be cancelled at any time via the settings of the respective store.

3. Our Services

NIOB Finance offers the following services:

• Exchange (swap.niob.app) – decentralized token swap platform
• DeFi Wallet – multi-chain self-custody wallet
• Dashboard (dashboard.niob.io) – portfolio and analytics tool
• Academy – educational content on DeFi and crypto
• NIOB Finance Insight – mobile analysis app (iOS/Android) for crypto and stock markets with real-time charts, news, market analyses, and integrated Academy

NIOB Finance Insight is a pure information and analysis app. It offers no trading functionality and does not constitute investment, tax, or legal advice. Market data is sourced from third-party providers (including CoinGecko) and is provided without warranty. Use of all services is at your own risk.

4. User Responsibilities

You are responsible for the security of your private keys, credentials, and devices, as well as for compliance with all laws applicable in your country. When using NIOB Finance Insight, you are solely responsible for evaluating market data and any decisions derived from it. You must be at least 18 years old or have reached the age of majority in your country to use the app and services.

5. Prohibited Uses

Using our services for illegal activities, money laundering, terrorism financing, fraud, or market manipulation is strictly prohibited. Also prohibited are: reverse engineering the app, automated data scraping outside documented APIs, circumventing technical protection measures, and sharing your credentials or subscription entitlements with third parties.

6. Intellectual Property

All content, trademarks, logos, texts, graphics, designs, and source code of the NIOB Finance platform and the NIOB Finance Insight app are the property of Chîffre IT Solutions or the respective rights holders and are protected by copyright. With your subscription you receive a simple, non-transferable license for personal use of the app.

7. Disclaimers

Market data, prices, charts, news, AI analyses, and educational content provided in NIOB Finance Insight and on our platforms serve exclusively for information and educational purposes and expressly do not constitute investment, tax, or legal advice, nor a buy or sell recommendation. We make no warranty as to the accuracy, completeness, or timeliness of the data and accept no liability for losses caused by market volatility, investment decisions, data errors of third-party providers (e.g. CoinGecko), or technical errors beyond our control.

8. Limitation of Liability

Our liability is limited to intent and gross negligence. For slight negligence we are only liable in case of breach of essential contractual obligations and only up to the amount of foreseeable damage typical for the contract. Liability for lost profits or indirect damages, in particular as a result of investment decisions based on app content, is excluded.

9. Termination

You may cancel your account and subscription at any time. Subscriptions for NIOB Finance Insight are managed and cancelled directly through the respective app store (Apple/Google). We may suspend or delete your account or app access at any time in case of violations of these Terms.

10. Governing Law

The law of the Republic of North Macedonia (registered seat of Chîffre IT Solutions) applies, excluding the UN Convention on Contracts for the International Sale of Goods. Mandatory consumer protection provisions of the country of your habitual residence remain unaffected. Should individual provisions be invalid, the validity of the remaining provisions remains unaffected.