Terms of Service
Version 2.0 | Effective date: 9 September 2026
1 Provider and scope
These Terms govern the mynubi application at plan.mynubi.app and the related website at mynubi.app. Your service provider and contracting party is Alexander Many Ndengue, trading as mynubi, a sole trader with an address at Baierbrunner Str. 89, 81379 Munich, Germany. VAT identification number: DE310355013. Email: support@mynubi.app. Telephone: +49 176 38747782.
These Terms apply to consumers and business customers. You are a consumer if you act predominantly outside your trade, business or profession. Mandatory consumer rights continue to apply. Our Privacy Policy and your cookie choices are separate from these Terms. Accepting these Terms is not consent to newsletters or optional analytics.
2 Eligibility registration and contract formation
You must be at least 18 years old and legally able to enter into this agreement. If you act for a business, you must have authority to bind it. You must provide accurate account and billing information, keep your sign-in credentials secure and promptly notify us of suspected unauthorised access.
You accept these Terms through the registration checkbox. A Free account agreement takes effect when we create the account and make it available. Visiting the public website alone does not create a paid subscription.
To purchase Premium, you select a billing option and review the total price, initial term and renewal conditions at Stripe Checkout. You can correct your details before submitting the payment order. By submitting the clearly labelled payment order, you make an offer to purchase the selected subscription. We accept by confirming the subscription and activating Premium after successful payment. If payment is taken but we cannot provide the agreed subscription, we will refund it.
The contract language is English. We provide the subscription confirmation, applicable Terms and withdrawal information on a durable medium, such as an email or PDF. Billing information and invoices are available through the Stripe Customer Portal.
3 Free and Premium features
mynubi is software for recording portfolio information, defining allocation rules and comparing recorded or proposed activity with the plan selected by the user. Data and results depend on user entries and available market data. Recording or calculating an action in mynubi does not execute it in a financial account.
The Free plan includes portfolio tracking; creating and editing holdings; Plan Health; setting target allocations and tolerance ranges; and general market updates, including Market Regime and Bitcoin Long Term Trend.
Premium includes the Free features plus DCA reminders, a contribution log, Decision Check, Rebalancing Check, range breach notifications, weekly portfolio summaries and quarterly reports. Premium settings include an additional range breach alert tolerance and optional market state rules selected by the user.
Quarterly reports are included for Premium customers. They will be introduced after launch and made available to then existing Premium customers without a separate upgrade or additional waiting period, subject to the availability of sufficient records for the relevant reporting period. The checkout and feature description will identify the status and timing of this feature accurately.
4 User plans templates and checks
You choose your target allocations, tolerance ranges and other plan rules. mynubi currently uses asset class buckets, with Bitcoin and Ethereum each treated as a separate bucket. This product categorisation does not change the nature or risk of an underlying asset. Bitcoin Focus, Balanced Portfolio and Capital Preservation are equal, editable example allocations. None is preselected, ranked, highlighted or matched to your circumstances. You may adopt an example unchanged or edit it. mynubi does not assess whether an example is suitable for you. Capital Preservation is only a descriptive template name and is not a promise to preserve capital or prevent loss.
Plan Health compares recorded asset class allocations with your selected targets and ranges. A result within a self set range means only that the recorded allocation matches that rule. It does not mean the portfolio is safe, healthy, diversified, profitable or suitable.
For Decision Check, you first enter the direction, amount, asset class and relevant source or destination for a decision you are considering. mynubi then calculates the resulting allocation and compares it only with the ranges and market state rules you selected. Results are expressed as calculated effects, range status and whether a selected rule is triggered. They are not an approval, rejection or recommendation, and Decision Check does not create an alternative transaction.
Rebalancing Check calculates target differences and target based scenarios across all active asset classes simultaneously. The calculation uses the mode and parameters selected by you, such as new money, calculated excess investment cash, permitted decreases, exact targets or ranges. Ranges are monitoring boundaries; exact target allocations entered or adopted by you remain the calculation destination when that mode is selected. Contributions change the projected portfolio total before targets are recalculated. Investment cash has its own target and only calculated excess cash is available in a cash funded scenario.
The service does not select or display a scenario as recommended, best or suitable. If several calculation modes exist, you select the mode before calculation or the service displays separate, equally presented scenarios. Each output shows what would result if the inputs and calculation settings you selected were applied. Optional market state rules only flag actions under the regimes you selected. They do not block a transaction, change a target or remove an item from the mathematical output.
5 Financial information disclaimer
mynubi provides recordkeeping, calculations, general market context and comparisons with a plan selected by the user. We do not provide investment, financial, legal or tax advice; a personal recommendation; a suitability assessment; discretionary portfolio management; brokerage; execution; custody; or a fiduciary advisory service. We do not determine which investment action is appropriate for you.
Market labels, template names, scores, notifications, target differences and calculated amounts do not state that buying, selling or holding an asset is suitable or advisable. You decide whether and how to act. You are responsible for checking current information, fees, taxes, liquidity, trading restrictions and your own circumstances. Seek appropriately qualified independent advice where needed.
Investments and crypto assets can fluctuate significantly and may lose all their value. Historical indicators, backtests, trends and past performance do not reliably predict future outcomes. Following a self selected plan does not remove risk or assure a result.
mynubi does not hold money or assets, provide custody, connect to or operate a wallet, broker or exchange account, or place, transmit or execute investment orders. Subscription fees pay for software access and are not investment contributions. DCA reminders do not debit money or create investment orders.
Calculations do not perform tax lot, cost basis, holding period or jurisdiction specific tax optimisation. They do not comprehensively account for fees, spreads, liquidity, minimum orders or execution restrictions. Displayed or rounded amounts may differ from executable prices and proceeds. Mandatory duties and rights are not excluded by this description.
6 Market data and automated reports
Market Regime combines general historical Bitcoin indicators, including MVRV Z Score, Mayer Multiple and Puell Multiple. Bitcoin Long Term Trend compares Bitcoin with its 200 day and 200 week trend structure. These global classifications are the same for all users and are separate from portfolio specific Plan Health. They do not automatically change user targets.
Market and price information is normally updated once daily, not in real time. Check the displayed last update time. Provider outages, stale or invalid source data and processing failures can delay an update, and the last valid state may remain visible. It is not an executable quote.
Crypto market data is supplied through the CoinGecko API, which is owned by CoinGecko. CoinGecko does not provide or endorse mynubi and bears no responsibility or liability for the displayed data, its use, or any financial decisions or outcomes based on it.
Quarterly Premium reports retrospectively describe recorded portfolio and behavioural patterns. They may use automated language model processing and may be generated without prior human review. They do not determine risk tolerance, financial capacity or suitability and do not recommend future transactions. Automated output can be incomplete, inaccurate or unsupported by the supplied records. Contact support if a report appears incorrect.
7 Notifications and communications
Market update notifications are available on Free and Premium. Range breach alerts, DCA reminders and weekly portfolio summaries require Premium. General market updates are not based on a user’s portfolio. A range breach message may show the asset class, actual percentage allocation and relevant tolerance threshold.
Push notifications require installation or setup on a compatible device and permission in the device or browser. Device settings, connectivity, browser restrictions and delivery providers affect receipt. Email can be delayed, filtered, rejected or routed to spam. Neither channel is guaranteed or suitable for time critical decisions. Review the service directly and do not rely exclusively on notifications.
Essential account, payment, security and legal communications may be sent when needed. Newsletters and promotional offers require a separate voluntary opt in. Refusing or withdrawing that consent does not prevent registration or remove purchased features. Marketing messages include an unsubscribe method.
8 Prices billing and renewal
Premium costs USD 14.90 for the monthly option or USD 118.80 paid in advance for the annual option, equivalent to USD 9.90 per month. The annual price is not a monthly instalment plan. Prices include applicable taxes. A bank or payment provider may charge separate conversion or payment fees. There is no free Premium trial.
The initial term is one month for the monthly option and twelve months for the annual option, beginning on activation. Payment is due in advance. Stripe processes payments and provides billing tools on our behalf; mynubi remains the software provider.
Unless cancelled, the subscription continues after the initial term for an indefinite period. The chosen billing interval continues as an advance payment arrangement. For an annual option, a further annual advance charge does not create another fixed twelve month consumer commitment.
During the initial term, you may cancel with effect at the end of that term. After the initial term, you may cancel at any time with effect no later than one month after we receive the notice, or at the end of the current billing period if earlier. You may request a later date. If an annual advance payment covers time after the effective termination date, we refund the unused portion proportionately to the original payment method. No renewal payment is due for time after termination.
Subscription changes, their timing, price and any proration are shown before confirmation. A public price change does not by itself change an existing subscription. If payment fails, we may notify you and allow a reasonable opportunity to resolve it before restricting paid access, unless immediate restriction is justified by fraud or a comparable serious reason.
9 Cancellation account deletion and refunds
You may cancel while signed in through the cancellation control or Stripe Customer Portal. A continuously available public cancellation link on mynubi.app and plan.mynubi.app leads directly
to the legally required cancellation confirmation page without requiring sign in. The page allows you to identify the subscription and submit the cancellation through a final confirmation button. We immediately confirm receipt, content, timestamp and intended effective date electronically.
You may also contact support@mynubi.app. An optional secure email link may prefill or authenticate the public cancellation page, but requesting or clicking such a link is not a mandatory condition for submitting a cancellation through the public statutory function. We may make a proportionate identity check if there is a concrete reason to doubt whether a request was made by the subscriber.
Ordinary cancellation ends Premium on its effective date; the Free account continues unless you delete it. You may permanently delete the account through Account Settings. Account deletion closes access, cancels the subscription at the earliest possible date and stops future automatic collection. It also starts the deletion process described in the Privacy Policy. If an advance payment covers time after the effective termination date, the unused amount is handled as stated above.
Deleting an installed app, disabling notifications or unsubscribing from marketing does not cancel Premium. There is no additional voluntary money back guarantee. Statutory withdrawal refunds, digital product remedies, repayment of unused prepaid amounts and other refunds required by law or these Terms remain available.
10 Consumer right of withdrawal
If you are a consumer entitled to a statutory right of withdrawal, you may withdraw from the Premium subscription within fourteen days without giving a reason. The period starts on the day the contract is concluded, subject to any statutory extension where required information was not properly provided.
To withdraw, send a clear statement to Alexander Many Ndengue, trading as mynubi, Baierbrunner Str. 89, 81379 Munich, Germany; support@mynubi.app; telephone +49 176 38747782. Sending the statement before the deadline is sufficient. During the withdrawal period, you may also use the continuously available electronic function labelled Withdraw from contract on mynubi.app or plan.mynubi.app. It allows you to identify the contract and submit the withdrawal through a final confirmation function. We immediately acknowledge the content, date and time on a durable medium.
If you withdraw, we reimburse payments received for the withdrawn contract without undue delay and no later than fourteen days after receiving the notice. We use the original payment method unless you expressly agree otherwise and do not charge a reimbursement fee.
If you expressly requested that paid access begin during the withdrawal period and the statutory requirements were met, you may owe a proportionate amount for service supplied before withdrawal. Starting an ongoing SaaS subscription does not by itself constitute full performance or automatically extinguish the withdrawal right.
Model withdrawal form
Complete and return this form only if you wish to withdraw from the contract.
To: Alexander Many Ndengue, trading as mynubi, Baierbrunner Str. 89, 81379 Munich, Germany; support@mynubi.app.
I or we hereby give notice that I or we withdraw from the contract for a mynubi Premium subscription.
Contract concluded on: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
Name of consumer or consumers: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
Address of consumer or consumers: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
Account email or subscription reference: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
Signature, only if submitted on paper: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
Date: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
11 Beta status availability and digital product rights
While labelled beta, mynubi remains under active development and may contain bugs, incomplete refinements or interruptions. Leaving beta does not by itself change the subscription price, term or account. Beta status does not waive statutory rights, justify charging for an unavailable promised feature or excuse failure to provide the agreed service.
Access requires a supported current browser or compatible installed web app, an internet connection and relevant device permissions. Maintenance, security work and third party disruptions can affect availability. We do not promise uninterrupted service or a service level percentage.
Consumers retain mandatory rights concerning supply and conformity of digital products, including required updates and security updates and applicable remedies such as repair, price reduction, termination, reimbursement and damages. We may make changes needed for conformity, security or legal compliance. Other changes during continuing supply will be made only on a valid contractual or legal basis and with the information and termination rights required by law.
12 Acceptable use and intellectual property
Use mynubi lawfully and within the account and subscription scope. Do not attempt unauthorised access, bypass security or payment controls, introduce malicious code, overload the service or access another user’s data. Do not submit material you are not entitled to use.
We grant a non exclusive right to access and use the service for personal or internal business purposes during the agreement. Software, branding and third party datasets remain subject to their intellectual property rights. Access does not permit commercial redistribution of third party data.
You retain rights in data you provide. You permit us and our service providers to process it as needed to provide, maintain and secure the features and as otherwise lawfully described in the Privacy Policy. This is not permission to sell portfolio information or use it for unrelated advertising.
We may proportionately restrict access for a serious security risk, unlawful use or material breach. Where practicable, we will explain the reason and allow an opportunity to remedy it. Both parties
retain rights to terminate for good cause. If we discontinue paid service for reasons not attributable to you, we refund fees for the period after service ends.
13 Liability
We are liable without contractual limitation for intent and gross negligence; injury to life, body or health caused by a breach for which we are responsible; fraudulently concealed defects; an express guarantee to the extent it covers the loss; and any liability that cannot lawfully be limited, including applicable product liability.
For simple negligence in other cases, we are liable for breach of an essential contractual obligation whose performance enables proper provision of the service and on which you can ordinarily rely. Liability in that case is limited to foreseeable loss typical of this contract when concluded. Subject to the preceding exceptions, liability for simple negligence in breach of other obligations is excluded. These provisions also apply to persons for whose conduct we are legally responsible. They do not exclude statutory digital product remedies, mandatory data protection liability or other non waivable rights. Financial loss is not automatically excluded merely because it relates to an investment.
14 Governing law complaints and changes
German law governs this agreement. If you are a consumer habitually resident elsewhere, this choice does not deprive you of mandatory protections that would otherwise apply. Statutory rules determine jurisdiction. These Terms do not require a consumer to sue exclusively in Munich or submit to private arbitration.
The service is offered internationally except where applicable law, sanctions or payment provider restrictions prohibit supply. Availability does not mean that mynubi has assessed the service as lawful or suitable for every purpose in every country. You are responsible for complying with laws applicable to your use, without limiting mandatory duties that apply to us. Send complaints to support@mynubi.app or the postal address above. We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board. This does not affect your right to contact an authority or court.
Changes to these Terms apply to an existing contract only where validly agreed or otherwise permitted by law. We do not treat silence or mere continued use as agreement to a material contractual change. If a provision is invalid, the remaining provisions continue where legally possible and statutory rules apply in place of the invalid provision.