Terms of Use

Effective Date: December 2025

These Terms of Use govern your use of the IversusE mobile application and related services provided by NUMERICALPERSPECTIVES LTD. LIABILITY CO.

By downloading, accessing, or using the app, you agree to these Terms of Use.

1. Informational Purposes Only

IversusE is provided for informational, educational, and planning purposes only.

The app is not intended to provide financial, legal, tax, accounting, investment, or professional advice.

2. No Guarantee of Accuracy

While reasonable efforts are made to provide accurate calculations and estimates, we do not guarantee the accuracy, completeness, reliability, suitability, or availability of any results generated by the app.

Users should independently verify information before making financial or other decisions.

3. User Responsibility

You are solely responsible for any decisions, actions, or outcomes resulting from the use of the app.

Any budgeting, borrowing, spending, repayment, or financial planning decisions remain your responsibility.

4. Local Data Storage

The app stores data locally on your device.

We do not collect, store, transmit, or maintain your personal financial information on our servers.

You are responsible for maintaining backups of any information stored on your device.

5. Limitation of Liability

To the fullest extent permitted by law, NUMERICALPERSPECTIVES LTD. LIABILITY CO. shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use of the app;
• Inability to use the app;
• Reliance on app calculations or results;
• Loss of data or device-related issues.

Use of the app is at your own risk.

6. Modifications and Availability

We reserve the right to modify, suspend, discontinue, or update the app, its features, or these Terms of Use at any time without prior notice.

7. Third-Party Services

The app may use third-party services, including advertising and payment processing providers.

Use of those services may be subject to the terms and policies of the respective providers.

8. Changes to These Terms

We may update these Terms of Use from time to time.

Updated versions become effective when published within the app or on our official website.

9. Governing Law

These Terms of Use shall be governed by and interpreted in accordance with the laws of the State of Connecticut, without regard to conflict-of-law principles.

10. Contact Us

If you have questions regarding these Terms of Use, please contact:

info@nxperspectives.com