Terms of Service

1. Overview

Nest is a personal finance application for tracking expenses, managing budgets and organizing wallets, with end-to-end encryption of your sensitive data. By accessing or using Nest, you agree to be bound by these Terms of Service. If you do not agree, do not use the service.

2. Account Terms

• You must be at least 18 years old to create an account.
• You must provide a valid email address to register.
• You are responsible for maintaining the security of your password and your recovery code.
• You are responsible for all activity that occurs under your account.
• You must notify us immediately of any unauthorized access to your account.
• One person may not maintain more than one account.

3. Acceptable Use

Nest is intended for personal finance management only. You agree not to:

• Use the service for any illegal or unauthorized purpose.
• Attempt to gain unauthorized access to any part of the service.
• Use the service to store or transmit malicious code.
• Interfere with or disrupt the integrity or performance of the service.
• Use the service for commercial purposes without prior written consent.

4. The Free Service

• Nest is currently provided free of charge, without uptime or support guarantees.
• Some features (such as automatic bank synchronization) have limited availability and may not be enabled for your account.
• We may introduce paid tiers in the future; existing data will never be held hostage behind a paywall.

5. Encryption & Data Loss

Your sensitive fields are end-to-end encrypted with keys only you control. If you lose both your password and your recovery code, we cannot restore your encrypted data — no backdoor exists. You acknowledge that performing a password reset without the recovery code permanently destroys access to previously encrypted fields.

6. Not Financial Advice

Nest displays and organizes the data you provide. Nothing in the service constitutes financial, investment, tax or legal advice. Crypto prices are sourced from third parties and may be inaccurate or delayed.

7. Availability & Warranty Disclaimer

The service is provided "as is" and "as available" without warranty of any kind, express or implied. We do not warrant that the service will be uninterrupted, error-free or perfectly secure, and we may modify or discontinue features at any time.

8. Limitation of Liability

To the maximum extent permitted by law, Nest and its operator shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of data, profits or revenues, arising from your use of (or inability to use) the service.

9. Termination

You may delete your account at any time from Tools. We may suspend or terminate accounts that violate these terms. Upon termination, your data is deleted as described in the Privacy Policy.

10. Governing Law

These terms are governed by the laws of the Republic of Croatia and applicable European Union law. Disputes fall under the jurisdiction of the courts of Croatia.

11. Changes to These Terms

We may update these terms from time to time. Significant changes will be announced by posting the updated terms here and updating the "Last updated" date. Continued use of the service after changes constitutes acceptance.

12. Contact

Questions about these terms: privacy@nestfinance.app.