Effective date / last updated: 2026-06-26
These Terms of Service (“Terms”) form a binding agreement between you (“you” or “user”) and Sergiy Zyuzko, an individual developer (trading as “TreeSolutions”) (“we”, “us”, or the “Developer”), the developer of the Nudge Invest mobile application (the “App”; package com.nudgeinvest.app).
By downloading, installing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use the App.
The App does not require you to create an account, sign up, or provide an email address to use it. Your continued use of the App following any changes to these Terms (see Section 11) constitutes acceptance of those changes.
Nudge Invest is a personal investment and portfolio tracker. It is offline-first: by default, all of your portfolio data lives on your device in a local database, and the App collects and transmits no personal or financial data off the device.
The App lets you record and review:
| Data type | Stored where |
|---|---|
| Assets / holdings | On device |
| Transactions | On device |
| FX (currency) rates | On device |
| Daily portfolio snapshots | On device |
| AI chat history | On device |
There are no user accounts, no login, no cloud database, no cross-device sync, and no background uploads.
Data leaves your device only when you actively use one of the following optional features:
You may enable an App Lock secured by a 4-digit PIN (stored on-device as a salted hash in the device secure keystore and never transmitted), plus optional OS-handled biometrics. App Lock settings and credentials stay on your device.
For details on how data flows, see the App’s separate Privacy Policy.
Please read this section carefully. It is fundamental to your use of the App.
Nudge Invest is a personal bookkeeping / portfolio-tracking tool with an optional educational AI assistant. It is not a financial product, brokerage, or advisory service.
Specifically:
The App is provided to support your own record-keeping and learning. Nothing in it should be construed as a solicitation, offer, or recommendation regarding any financial instrument.
The core tracker is available without payment. The AI Coach is a paid, optional feature. In-app purchases are processed through Google Play Billing, and your subscription/entitlement state is managed by RevenueCat.
| Plan | Price | Billing | Notes |
|---|---|---|---|
| Monthly | $5.99 | Auto-renewing monthly | — |
| Annual | $49.99 | Auto-renewing yearly | Includes a 7-day free trial |
| Day Pass | $2.99 | One-time | 24-hour access; consumable, does not renew |
Prices are shown in the App and on Google Play and may vary by region, taxes, and currency. The amounts above are the standard product prices at the effective date.
The Day Pass is a one-time consumable that grants AI Coach access for 24 hours from purchase. It does not auto-renew. When the 24-hour window ends, access ends until you purchase again.
You can cancel a subscription at any time through Google Play (Google Play → Subscriptions). Cancellation stops future renewals; you generally retain access until the end of the current paid period. The Developer cannot cancel or modify your Google Play subscription on your behalf.
To confirm you have an active entitlement, the App sends a RevenueCat app-generated app-user identifier (in an x-app-user-id request header) to the developer-operated proxy. RevenueCat receives this identifier together with purchase/receipt information to manage your entitlement.
You agree that you will not:
We may suspend or limit access to optional features (including the AI Coach) if we reasonably believe these Terms are being violated or to protect the integrity, cost, or security of the service.
The App, including its software, design, text, graphics, and other content created by the Developer (excluding your own data and your uploaded content), is owned by the Developer or its licensors and is protected by intellectual-property laws. Subject to these Terms, you are granted a limited, personal, non-exclusive, non-transferable, revocable license to install and use the App for your personal, non-commercial use.
Your data and uploads remain yours. You retain ownership of the portfolio data you enter and the files you attach to the AI Coach. By using the optional features, you grant the Developer and its processors only the limited rights needed to transmit and process that data to provide the requested feature (see Sections 2 and 10).
All trademarks, product names, and logos of third parties (including Anthropic, CoinGecko, Twelve Data, RevenueCat, Cloudflare, and Google) are the property of their respective owners and are used for identification only.
THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND.
To the maximum extent permitted by law, the Developer disclaims all warranties, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
Without limiting the above, the Developer does not warrant that:
Prices, metrics, and AI-generated content are estimates and informational only, as described in Section 3. You use the App and rely on its output at your own risk.
While data sent to the proxy and third-party services is transmitted over HTTPS/TLS, and on-device data relies on your operating system’s storage protections plus the optional App Lock, the App does not separately encrypt the local database at rest, and no method of transmission or storage is completely secure. We do not warrant absolute security.
To the maximum extent permitted by applicable law:
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In that case, liability is limited to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless the Developer from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the App; (b) your violation of these Terms; © your violation of any law or the rights of any third party; or (d) content or files you upload to the AI Coach.
The App relies on the following third parties to provide optional features and distribution. Your use of these features is also subject to the relevant third party’s terms and privacy practices, which the Developer does not control.
| Provider | Role |
|---|---|
| Anthropic | AI processing for the AI Coach (Claude API) |
| CoinGecko | Crypto market-price lookups (Price Refresh) |
| Twelve Data | Stock / ETF / REIT market-price lookups (Price Refresh) |
| RevenueCat | Subscription / entitlement management |
| Cloudflare | Proxy hosting and data transit |
| Google Play | App distribution and billing |
The developer-operated proxy (hosted on Cloudflare) does not store your portfolio content (it passes through to Anthropic), but it does retain limited usage counters and request metadata tied to your app-user identifier — which is also sent to Anthropic as request metadata — for rate-limiting and abuse prevention. Anthropic processes requests under its own API terms and privacy/retention policies, which you should review. The Developer is not responsible for the acts, omissions, availability, or policies of these third parties.
We may update these Terms from time to time, for example to reflect changes to the App, its features, or legal requirements. When we do, we will update the “last updated” date above and make the revised Terms available in the App or its distribution listing. Material changes will be indicated as appropriate. Your continued use of the App after the revised Terms take effect constitutes your acceptance of them. If you do not agree, stop using the App.
These Terms are governed by and construed in accordance with the laws of Ukraine, without regard to its conflict-of-laws rules. You and the Developer agree to submit to the exclusive jurisdiction of the courts located in Ukraine for any dispute arising out of or relating to these Terms or the App, except where applicable law grants you the right to bring proceedings in another forum that cannot be waived (for example, the mandatory consumer-protection forums of your country of residence, including in the EU/EEA).
Questions about these Terms can be directed to:
These Terms apply to the version of Nudge Invest distributed via Google Play (Android, package com.nudgeinvest.app).