Terms of Service
Draft — pending review by a qualified lawyer. This text is not final and is not legal advice.
1. The service
Namup is a personal financial-clarity tool: it helps you understand your situation, track your goals, and read your numbers. You make every decision yourself. The service is operated by Namup, LLC, a Delaware (United States) company — address in section 17.
2. Namup is not a bank
Namup does not hold, transmit, or manage your money, and is neither a payment institution nor an e-money institution. The app shows you the calculation; you make the movements real with your bank.
3. No financial advice
Namup provides no financial or investment advice and no regulated financial service. Its insights are informational and educational only. For personalised advice, consult a licensed professional.
4. Eligibility
You must be at least 18 (or the age of majority in your country) and have the legal capacity to enter into a contract.
5. Your account
You provide a valid email; sign-in is with Google or with email and password (with email confirmation). You are responsible for activity on your account and for keeping your credentials private. One account per person.
6. Subscription & billing
Paid subscriptions auto-renew until cancelled; you can cancel anytime, effective at period end. Namup is the seller; payments are processed by Stripe and applicable VAT is calculated and collected via Stripe Tax. EU consumers have a 14-day right of withdrawal for distance contracts (unless you waive it for immediate service start). Any price increase is notified at least 30 days in advance. During the beta, refunds are simple: you ask, we refund — no questions asked (see the Refund Policy).
7. Your data
Your financial data belongs to you and stays on your device by default — we never read it. You enable the cloud or AI only if you choose to (each optional and revocable); even the cloud backup is encrypted and unreadable by us. Your account holds only your identity (email, subscription), not your money. You can export your data (CSV/JSON) and delete your account anytime. We never sell your data.
8. Artificial intelligence
AI (Claude Haiku, via a secure proxy) is used only to phrase insights better, and only if you turn on the AI assistant. It computes none of the figures you see. Most calls send only a derived, aggregated context (no exact amounts). One feature is the exception: if you enable “Read your monthly text,” the sentence you write is sent to the AI to read your figures — your contact details (email, IBAN, card, phone) are stripped on your device before sending, this data is never used to train the AI and is kept only briefly, solely to prevent abuse. You can turn it all off at any time.
9. Acceptable use
You agree not to use the service unlawfully, reverse-engineer it, introduce malware, or circumvent its limits or resell it.
10. Intellectual property
The app, its design, code, and trademarks belong to Namup. These terms grant you only a limited licence to use the service. Your data remains yours; you grant us a limited licence to process it to provide the service.
11. Third-party services
The service relies on third parties: Stripe (payments), Anthropic (AI, if you enable it), Supabase (account and backup, EU hosting), and — when enabled — PostHog (anonymous usage statistics, EU hosting). Namup is not responsible for their availability or practices, which are subject to their own terms.
12. Availability & changes
The service is provided “as is” with no guarantee of uninterrupted availability. We may maintain, modify, or discontinue it, with reasonable notice for material changes.
13. Estimates, not guarantees
Amounts are estimates built from what you declare — only as accurate as your declarations. Namup warrants no accuracy, completeness, or suitability for your situation.
14. Limitation of liability
To the extent permitted by law, Namup is not liable for financial decisions you make, data loss tied to your device, or third-party services. Your mandatory EU consumer rights remain intact.
15. Governing law & disputes
These terms are governed by the law of the State of Delaware (United States), where Namup, LLC is registered. For EU consumers, the mandatory rules of your country of residence apply, and you may use the EU online dispute-resolution platform.
16. Zakat, Tathir, and participatory finance
The calculations and models (Zakat, Tathir, Mourabaha financing, and others) are provided purely for illustrative and educational purposes, based on the public data of the referential (standard or school) you select. They constitute neither a religious opinion (fatwa) nor a certification of compliance. For any decision engaging your religious responsibility, you must consult the competent religious authority of the chosen referential.
17. Contact
Legal questions: privacy@namup.net. Namup, LLC — 131 Continental Dr, Suite 305, Newark, DE 19713, United States. For data protection, see the Privacy Policy.