SOFTWARE AGREEMENT

1) Purpose & Scope

The website and any associated platforms, applications, dashboards, software interfaces, and digital services (collectively, the “Site”) are operated by Novaro Technology LLC (the “Company,” “we,” “us,” or “our”). The Site is intended solely to provide general informational and educational content relating to digital technologies, data analysis, analytical tools, data visualizations, and related technical or market-based observations.

All content made available through the Site is of a general and non-personalized nature and is not tailored to the individual circumstances, objectives, financial situation, or risk profile of any user. The Company does not provide individualized guidance, recommendations, or advisory services.

The Site does not constitute, and shall not be construed as, the provision of services that would require registration, licensing, authorization, or supervision as an investment adviser, broker-dealer, financial institution, portfolio manager, payment service provider, or any other regulated entity under the laws or regulations of the United States, the European Union, or any other jurisdiction.

Access to and use of the Site is provided for informational and educational purposes only, and no content or functionality available through the Site shall be interpreted as an offer to provide regulated financial services or as creating any professional, advisory, fiduciary, or client relationship between the user and the Company.
For purposes of this notice, “Software” includes all software applications, platforms, dashboards, interfaces, digital content, analytical tools, and related services made available by the Company through the Site.

2) No Financial, Legal, or Tax Advice

All content, materials, data, analytics, tools, reports, visualizations, communications, and other information made available on or through the Site (collectively, the “Content”) are provided solely for general informational and educational purposes and are of a non-personalized nature.

Nothing contained on the Site shall be construed as, or relied upon as, financial, investment, legal, accounting, tax, or other professional advice, nor as a substitute for such advice. The Content does not constitute, and shall not be interpreted as, any form of recommendation, endorsement, solicitation, or offer to buy, sell, hold, exchange, or otherwise acquire or dispose of any asset, product, service, or interest, nor to engage in any particular strategy or course of action.

The Company does not assess or consider any user’s individual financial circumstances, objectives, risk tolerance, or jurisdictional status. Any decisions made based on the Content are taken entirely at the user’s own discretion and risk.

Users are strongly encouraged to seek independent advice from appropriately licensed and qualified professionals, including financial advisors, legal counsel, and tax advisors, before making any financial, legal, or tax-related decisions or taking any action based on the Content.

3) No Client or Fiduciary Relationship

Access to, browsing of, registration on, or use of the Site, including any purchase of a software license, subscription, or access to digital content, does not and shall not be deemed to create any client, customer, advisory, fiduciary, partnership, agency, employment, or other professional or confidential relationship between the user and the Company.

The Company does not undertake any fiduciary duties, duties of loyalty, care, suitability, or best interest toward any user. No communication, interaction, data presentation, analytical output, or other information provided through the Site shall be interpreted as creating any obligation on the part of the Company to act in the user’s interest or to provide ongoing advice, monitoring, or recommendations.

All interactions between the user and the Company are conducted on an arm’s-length basis, and the user acknowledges that they are solely responsible for evaluating, interpreting, and acting upon any information or functionality made available through the Site.

4) Accuracy & No Warranty

While the Company makes reasonable efforts to provide information that is accurate, current, and reliable, the Company does not represent or warrant that any content, data, analysis, visualization, report, tool, functionality, or other material made available on or through the Site is complete, accurate, correct, timely, reliable, error-free, uninterrupted, secure, or suitable for any particular purpose.

All content and services provided through the Site are made available on an “as is” and “as available” basis. To the maximum extent permitted by applicable law, the Company expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, non-infringement, availability, or accuracy.

The Company does not warrant that the Site or its content will be free from errors, defects, viruses, or other harmful components, nor that access to the Site will be continuous, uninterrupted, or secure. Temporary disruptions, delays, inaccuracies, or omissions may occur due to technical issues, third-party dependencies, system maintenance, or factors beyond the Company’s control.

Users acknowledge and agree that any reliance on the content or functionality of the Site is undertaken entirely at their own risk, and that the Company shall have no responsibility or liability for decisions or actions taken based on such reliance.
The Company does not guarantee any specific availability, uptime, response time, performance level, feature set, or support services. Temporary limitations, maintenance periods, modifications, or interruptions do not constitute non-performance or service failure.

The Company reserves the right to modify, update, replace, suspend, or discontinue individual features or components of the Software at any time, provided that access to the Software as a whole is not materially eliminated during an active subscription period.

5) User Eligibility & Audience Limitation

The Site is intended solely for use by individuals who are eighteen (18) years of age or older. By accessing or using the Site, you represent and warrant that you meet this age requirement and that you have the legal capacity to enter into binding agreements under the laws applicable to you.

You are solely responsible for ensuring that your access to and use of the Site, including any content, tools, or services made available through it, complies with all applicable laws, regulations, and legal requirements in your jurisdiction, including but not limited to financial, consumer protection, data protection, and digital services regulations.

The Site is operated and controlled from the United States of America and is provided on a cross-border basis. The Company does not represent or warrant that the Site or its content is appropriate, lawful, or available for use in all jurisdictions. In particular, the Site is not specifically directed at or marketed to retail consumers in the European Union, nor to any jurisdiction in which the dissemination or use of the type of content provided may be restricted, regulated, or prohibited.

Access to the Site from jurisdictions where such access may be restricted is undertaken solely at the user’s own initiative and risk. Users who choose to access the Site from outside the United States do so voluntarily and are fully responsible for compliance with local laws and regulations. The Company disclaims any responsibility or liability arising from a user’s failure to comply with such laws or regulations.

6) Third-Party Services & Links

The Site may incorporate, integrate with, or otherwise interact with services, software, application programming interfaces (APIs), tools, or platforms provided by third parties, including but not limited to analytics providers, hosting and security services, communication tools, and infrastructure providers (for example, Google Analytics, Cloudflare, and ProtonMail). In addition, the Site may contain links or references to websites, applications, or resources operated by third parties.

Such third-party services and websites are independent from the Company and are not owned, operated, or controlled by the Company. The Company does not review, endorse, monitor, or assume responsibility for the content, accuracy, availability, functionality, security, data handling practices, or policies of any third party.

Access to or use of third-party services or websites is provided solely for convenience and informational purposes and is undertaken entirely at the user’s own risk. Any interaction with third-party services, including the submission of personal data, is governed exclusively by the applicable terms, conditions, and privacy policies of those third parties, and not by this Disclaimer or the Company’s terms, except where expressly stated otherwise.

The Company expressly disclaims any liability for any loss, damage, or harm arising out of or in connection with a user’s access to, reliance upon, or use of any third-party services, content, or websites, even if such services are accessed through or referenced on the Site. Users are encouraged to review the relevant third-party terms, privacy notices, and policies before engaging with such services.

For further information regarding the Company’s use of third-party services, cookies, and data processing practices, please refer to the Company’s Privacy Policy and Cookie Policy, which form an integral part of the governing documents.

7) Risks

You acknowledge and understand that the use of complex digital systems, data-driven tools, and software-based analytical environments involves inherent risks, including but not limited to data inaccuracies, technical limitations, system outages, cybersecurity threats, software defects, third-party dependencies, regulatory uncertainty, changes in applicable laws or interpretations, and operational disruptions.

Information, analytics, data visualizations, and other content provided on the Site may be based on assumptions, third-party data sources, or evolving technical conditions and may not reflect real-time developments. Past observations or historical data do not guarantee or predict future outcomes.

You further acknowledge that regulatory frameworks applicable to digital services and data-driven platforms may vary by jurisdiction and may change at any time, potentially affecting the availability, legality, or use of certain services or functionalities. The Company does not undertake to monitor or notify users of regulatory changes that may impact their activities.

By accessing or using the Site, you expressly agree that you assume full responsibility for evaluating, understanding, and accepting all risks associated with your use of the Site and any decisions made based on information obtained from it. The Company shall not be responsible or liable for any losses, damages, or adverse consequences arising from such risks, to the maximum extent permitted by applicable law.
The Company does not guarantee that the Software will meet the user’s expectations, specific use cases, intended purposes, or subjective requirements. Dissatisfaction with functionality, complexity, learning curve, or perceived value does not constitute grounds for refund, chargeback, or contract rescission.

8) Limitation of Liability & Assumption of Risk

Your access to and use of the Site, including any content, tools, analytics, software features, or third-party integrations, is undertaken entirely at your own risk. You acknowledge and agree that you assume full responsibility for all risks associated with your use of the Site and for any decisions or actions taken based on information obtained through it.

To the maximum extent permitted by applicable law, the Company, its affiliates, members, managers, officers, employees, contractors, and agents shall not be liable for any losses or damages of any kind arising out of or in connection with your access to, use of, or inability to use the Site or its content. This limitation includes, without limitation, any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of business opportunities, or reputational harm, whether arising in contract, tort (including negligence), strict liability, or otherwise, even if the Company has been advised of the possibility of such damages.

Without limiting the foregoing, the Company shall not be liable for any losses or damages resulting from errors, omissions, inaccuracies, delays, interruptions, system failures, security breaches, cyberattacks, unauthorized access, third-party actions, regulatory changes, or events beyond the Company’s reasonable control.

Where certain jurisdictions do not allow the exclusion or limitation of certain types of liability, the Company’s liability shall be limited to the minimum extent permitted by applicable law in such jurisdictions.

For further information regarding limitations of liability, disclaimers, governing law, venue, and dispute resolution mechanisms, please refer to the Company’s Terms & Conditions, which are incorporated by reference into this notice and shall prevail in the event of any inconsistency between this notice and the Terms & Conditions.

9) Changes to this Notice

The Company reserves the right, at its sole discretion, to modify, amend, update, or replace this Disclaimer & Audience Limitation at any time, in whole or in part. Such changes may be made to reflect updates in legal requirements, regulatory guidance, operational practices, or the scope of content and services offered through the Site.

Any modifications to this notice will become effective upon being posted on the Site, as indicated by an updated “Last Updated” date. The Company is under no obligation to provide individual notice of such changes, except where required by applicable law.

Your continued access to or use of the Site after any changes to this notice have been posted constitutes your acknowledgment of, and agreement to be bound by, the revised version. If you do not agree with any modification, your sole remedy is to discontinue use of the Site.

10) Subscription Fees, Cancellation, Waiver of Withdrawal Rights & Chargeback Protection

Access to and use of the Software is provided exclusively on a subscription basis for a recurring fee of USD 100 per monthly billing period, unless otherwise expressly stated at the time of purchase.

The subscription grants the user a time-limited, revocable right of access to the Software and its associated features for the applicable subscription period only and does not constitute a sale, transfer of ownership, or grant of perpetual rights.

Billing, Renewal & Cancellation

The subscription automatically renews for successive monthly billing periods at the then-current subscription rate unless the user cancels the subscription prior to the commencement of the next billing period, in accordance with the cancellation procedures described in the Terms & Conditions.

Cancellation prevents future renewals only and does not affect the current subscription period, which shall remain active until its scheduled expiration.
No prorated refunds, partial refunds, credits, or reimbursements shall be issued for any unused portion of a subscription period.

Immediate Performance & Waiver of Withdrawal Rights

By completing the purchase, the user expressly acknowledges, represents, and agrees that:

access to the Software, including all digital features, tools, content, interfaces, and functionalities, is granted immediately upon successful payment confirmation;
the Company’s performance of the digital service commences immediately upon activation of access;
the user has the ability to use the Software during the purchased subscription period, irrespective of actual usage frequency or duration.

To the maximum extent permitted by applicable law, the user expressly waives any statutory or contractual right of withdrawal, cancellation, rescission, or refund once access to the Software has been granted and the subscription period has commenced.

This waiver applies in particular to digital services and digital content delivered immediately upon purchase and is intended to comply with applicable U.S. law and, where relevant, international consumer protection frameworks.

Where mandatory consumer protection laws (including, without limitation, within the European Union) provide for a statutory withdrawal right, the user expressly consents to:

the immediate commencement of performance of the digital service upon purchase; and
the loss of any statutory right of withdrawal once access to the Software has been enabled,

in accordance with applicable law.

The user confirms that this waiver was clearly disclosed prior to purchase, that they provided explicit and informed consent, and that they understand that no refund or cancellation right exists for the active subscription period once access has been granted, regardless of usage, satisfaction, technical proficiency, or outcomes.

No Chargebacks, Payment Reversals, or Disputes

To the fullest extent permitted by applicable law, the user agrees not to initiate, request, or pursue any chargeback, payment reversal, refund request, or payment dispute with any payment service provider, card issuer, bank, or financial institution for any subscription fee or digital service for which access has been granted or performance has commenced.

The user acknowledges and agrees that:

initiating a chargeback or payment dispute after access to the Software has been provided constitutes a material breach of this agreement and the Terms & Conditions;
access to the Software and the commencement of performance constitute valid consideration and full service delivery for the relevant billing period.

In the event of any unauthorized, abusive, fraudulent, or unjustified chargeback or payment dispute, the Company reserves the right, at its sole discretion and without limitation, to:

immediately suspend or terminate access to the Software and all related services, without refund;
permanently close the user’s account;
recover all amounts owed, including the disputed subscription fee, chargeback fees imposed by payment providers, administrative costs, and any additional damages incurred;
submit evidence to payment processors demonstrating valid service delivery, user consent, and contractual waiver of withdrawal and refund rights;
pursue legal remedies or collection actions as permitted under applicable law.

This provision shall survive termination of the subscription, user account, or access to the Software.

Cross-Reference & Contractual Priority

This section shall be read in conjunction with, and forms an integral part of, the Terms & Conditions, including but not limited to provisions relating to payments, refunds, limitations of liability, dispute resolution, governing law, and jurisdiction.

In the event of any inconsistency between this section and any other provision of the Governing Documents, the Terms & Conditions shall prevail, unless expressly stated otherwise in writing by the Company.

The user acknowledges that system logs, access records, timestamps, IP addresses, login activity, and payment confirmations constitute valid and sufficient evidence of service delivery and user access for dispute resolution and chargeback proceedings.

All provisions relating to payment obligations, no-refund policies, chargeback prohibitions, limitations of liability, governing law, dispute resolution, and waivers shall survive termination or expiration of the subscription.

11) No Right of Withdrawal / No Refund Policy

ALL PAYMENTS ARE FINAL AND NON-REFUNDABLE.

To the maximum extent permitted by applicable law, all fees paid for software licenses, subscriptions, or access to digital content and services provided by the Company are final, non-cancellable, and non-refundable once the applicable subscription period has commenced.

Without limitation:

No refunds, reimbursements, credits, or partial refunds will be granted for any subscription period that has already begun;
No chargebacks, payment reversals, or payment disputes shall be initiated for services for which access has been granted;
This policy applies regardless of actual usage, login frequency, duration of use, subjective satisfaction, perceived expectations, technical familiarity, market conditions, or any financial outcome experienced by the user.

The user acknowledges that the Software is a digital service delivered immediately upon purchase and that access, availability, and functionality constitute full performance for the relevant billing period.

EU Digital Content Waiver (Where Applicable)

If the user is located in a jurisdiction that provides statutory withdrawal or cancellation rights for digital content or digital services (including, without limitation, the European Union), the user expressly acknowledges and agrees that:

the Company begins performance of the digital service immediately upon purchase, and
the user expressly consents to the loss of any statutory right of withdrawal once access to the Software or digital content has been granted.

By completing the purchase, the user confirms that they have been clearly and comprehensively informed of this waiver prior to purchase and that they provide their explicit consent to immediate performance and the associated loss of withdrawal rights, in accordance with applicable consumer protection laws.

Binding Effect

This No Refund Policy forms an essential and material part of the contractual agreement between the user and the Company. Acceptance of this policy is a condition precedent to access and use of the Software and related services.

12) No Chargebacks or Payment Disputes

The user agrees not to initiate, request, or pursue any chargeback, payment reversal, refund request, or payment dispute with any payment service provider, card issuer, bank, or financial institution in relation to any software license, subscription fee, or digital service for which access has been granted or performance has commenced.

The user acknowledges that initiating a chargeback or payment dispute for services already rendered or access already provided constitutes a breach of this agreement and may result in immediate remedial action by the Company.

Without limitation, any abusive, fraudulent, or unjustified chargeback or payment dispute, including those initiated after access to the Software has been granted, may result in one or more of the following actions, at the Company’s sole discretion:

Immediate termination of access to the Software and all related services;
Permanent suspension or closure of the user’s account, without refund;
Recovery of amounts owed, including the disputed fees, chargeback fees imposed by payment providers, administrative costs, and any additional damages incurred by the Company;
Initiation of legal proceedings or other lawful enforcement measures to recover such amounts.

Nothing in this section shall limit the Company’s right to contest chargebacks or payment disputes with payment providers or to submit evidence demonstrating valid service delivery, user consent, and contractual acceptance of the applicable terms.

This section shall survive termination of the user’s access or account.

13) No Guarantee of Results

The Company makes no representations, warranties, or guarantees of any kind, express or implied, regarding any outcomes that may result from the use of the Software, the Site, or any content, data, analytics, tools, reports, or educational materials made available through them.

Without limitation, the Company does not guarantee:

any financial or economic results,
profitability or avoidance of loss,
earnings, income, or return of any kind,
market performance or price movements, or
the achievement of any specific outcome, goal, or expectation.

The Software and related services provide informational, analytical, and educational tools only. They do not constitute investment systems, trading signals, automated decision-making services, or outcome-based products. Any decisions, actions, strategies, or transactions undertaken by the user are made solely at the user’s own discretion and risk.

The user acknowledges that outcomes may vary significantly based on individual decisions, external market conditions, regulatory developments, technical factors, and other variables beyond the Company’s control. Past observations, examples, simulations, or demonstrations, if any, are not indicative of future results.

The Company shall not be responsible or liable for any losses, damages, or adverse consequences resulting from the user’s reliance on the Software or information provided, to the maximum extent permitted by applicable law.

14) Termination & Suspension

The Company reserves the right, at its sole discretion, to suspend, restrict, or terminate a user’s access to the Site, the Software, and any related services, in whole or in part, with or without prior notice, if the Company reasonably determines that the user has:

violated any provision of this notice, the Terms & Conditions, or any incorporated policies;
engaged in abusive, fraudulent, deceptive, or unlawful behavior;
misused, interfered with, or attempted to disrupt the operation, security, or integrity of the Site or Software; or
attempted to exploit, reverse-engineer, decompile, disassemble, manipulate, or otherwise interfere with system features, technical safeguards, or access controls, except to the extent expressly permitted by applicable law.

The Company may also suspend or terminate access for operational, security, legal, or regulatory reasons, including to comply with applicable laws, court orders, or requests from competent authorities.

Any suspension or termination of access shall not entitle the user to any refund, reimbursement, or compensation for any unused portion of a subscription period or any prepaid fees. All outstanding payment obligations shall remain due and payable.

Termination or suspension shall be without prejudice to any other rights or remedies available to the Company under applicable law, and any provisions which by their nature should survive termination (including, without limitation, limitations of liability, no-refund provisions, and dispute-related clauses) shall continue to apply.

15) Governing Documents

This Disclaimer & Audience Limitation, together with the Terms & Conditions, Privacy Policy, Cookie Policy, and any other documents, policies, or notices expressly incorporated by reference (collectively, the “Governing Documents”), constitute the entire agreement between the user and the Company with respect to access to and use of the Site, the Software, and any related content or services.

These Governing Documents supersede all prior or contemporaneous communications, representations, understandings, or agreements, whether written or oral, relating to the subject matter herein.

In the event of any conflict, inconsistency, or ambiguity between this Disclaimer & Audience Limitation and any other Governing Document, the Terms & Conditions shall prevail and control, unless expressly stated otherwise in writing by the Company.

Nothing in this section shall be construed to limit or override any mandatory rights or protections afforded to users under applicable law.

16) Governing Law & Jurisdiction

Unless expressly stated otherwise in the applicable Terms & Conditions, this Disclaimer & Audience Limitation and any dispute, claim, or controversy arising out of or relating to the use of the Site, the Software, or any related content or services shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict-of-laws principles.

To the extent permitted by applicable law, the user agrees that any legal action or proceeding arising out of or relating to this agreement shall be brought exclusively in the state or federal courts located within the State of Florida, and the user hereby irrevocably submits to the personal and exclusive jurisdiction of such courts.

Nothing in this section shall be deemed to limit or exclude any mandatory consumer protection rights or jurisdictional rights that may apply under the laws of the user’s country of residence, where such rights cannot be lawfully waived.

17) Contact

Questions about this notice can be directed to:

novarollc@protonmail.com