Terms of Service

Accounts

You must provide accurate information when you register and keep it up to date. You are responsible for safeguarding your login credentials and for all activity under your account. Tell us promptly if you suspect unauthorized access.

You must be eligible to enter into a binding contract in your jurisdiction. You may not share your account with others in a way that circumvents security or these Terms.

Acceptable use

You agree to use the service lawfully and responsibly. For example, you must not:

• Use the service to break the law, violate others’ rights, or harm people or systems.
• Attempt to probe, scan, or breach the security of the service or other users’ data.
• Reverse engineer, scrape, or misuse the service in ways that interfere with its operation or other users’ experience.
• Upload malware or use the service to distribute spam or harmful content.

We may investigate and take action—including suspending or terminating access—if we reasonably believe these rules are broken.

Subscription & billing

Navira is offered on a paid subscription basis.

When you subscribe:

• Fees, billing cycles, and payment methods are presented at checkout or in your account before you are charged.
• By subscribing, you authorize us to charge your chosen payment method on the schedule you select.

Prices are shown in the currency and terms we display at the time of purchase. Taxes may apply where required.

If a payment fails, we may retry or suspend access until payment succeeds, in line with in-product notices.

You can manage or cancel your subscription from Navira Settings → Subscription & Billing. Cancellation stops future charges; access typically continues until the end of your current billing period unless we say otherwise at the time of cancellation.

Auto-renewing subscriptions

Certain subscriptions renew automatically unless canceled before the end of the current billing period.

Renewal charges will be applied according to the subscription terms presented at the time of purchase.

If you subscribed through Apple App Store, subscription management and cancellation are handled through your Apple ID account settings. If you subscribed through another platform, subscription management may be available through that platform or through Navira's billing settings.

Free trial

We may offer a free trial (for example, 14 days) with full or stated access to the product. The trial terms shown when you sign up apply.

• If you are not asked for a payment method at the start of the trial, you will not be charged unless you choose to subscribe and add payment details.
• When the trial ends, we will only bill you if you have explicitly subscribed under the terms we present at that time.
• If you take no action, your trial access may end without charge.

Refunds

Refund eligibility is determined by the platform through which you purchased your subscription.

Purchases made through Apple App Store are subject to Apple's refund policies and procedures.

Purchases made through Google Play or other payment providers are subject to the policies of those providers.

Service availability

We work to keep the service reliable and available, but we do not guarantee uninterrupted or error-free operation.

The service may be unavailable for maintenance, upgrades, or events outside our reasonable control.

We may change, add, or remove features over time. Where changes materially affect you, we will use reasonable efforts to give notice (for example, in the product or by email).

Financial disclaimer

Navira provides tools and information to help you organize and understand your finances. It does not provide personalized financial, investment, tax, or legal advice.

Nothing in the service is a recommendation to buy, sell, or hold any security or product.

You are solely responsible for your financial decisions. We are not liable for losses or outcomes resulting from your use of the service or reliance on information shown in it. Consider consulting a qualified professional for advice specific to your situation.

Liability

To the fullest extent permitted by applicable law, the service is provided “as is” and “as available.”

We disclaim all warranties, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement, except where such disclaimers are not allowed by law.

To the fullest extent permitted by law, our total liability for any claim arising out of or related to these Terms or the service will not exceed the greater of (a) the fees you paid us in the twelve (12) months before the claim or (b) one hundred dollars (USD $100), except where the law does not allow such a cap.

We are not liable for indirect, incidental, special, consequential, or punitive damages, or lost profits, data, or goodwill, except where the law requires otherwise.

Termination

You may stop using the service and close your account at any time, subject to any steps we describe in the product.

We may suspend or terminate your access if you materially breach these Terms, if we must do so for legal or security reasons, or if we discontinue the service in a manner we describe to you.

Where reasonable, we will give notice before termination for breach so you can try to resolve the issue.

Changes to these terms

We may update these Terms from time to time. We will post the revised Terms on this page and update the “Last updated” date.

If a change is material, we will provide additional notice (for example, by email or a notice in the product) where the law requires or where we consider it appropriate.

Continued use of the service after the effective date of updated Terms means you accept the changes. If you do not agree, you should stop using the service and close your account.

Governing law

These Terms are governed by the laws of Singapore, without regard to conflict-of-law principles. Nothing in these Terms limits any consumer rights that cannot be waived under applicable law.