These Terms of Service ("Terms") govern your access to and use of the CertusFX application (the "Service") operated by NestCalc.ai LLC dba CertusFX ("CertusFX," "we," "us," or "our"), a Wyoming limited liability company. Please read these Terms carefully before using the Service.
1. Acceptance of Terms
By accessing or using the Service, creating an account, starting the free trial, or purchasing the lifetime unlock, you agree to be bound by these Terms. If you do not agree to all of these Terms, you may not access or use the Service. Your continued use of the Service following the posting of any changes to these Terms constitutes acceptance of those changes.
2. Description of Service
CertusFX is a currency-intelligence app. The Service provides a currency converter, exchange-rate market boards, government bond-yield dashboards, and AI trend outlooks to help users follow foreign-exchange markets.
The Service is offered as follows:
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Free — the converter for the 30 major currencies at daily ECB reference rates, one-tap invert, and the converter's chart over 7 days and 1 month. It needs no account and no payment.
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Free trial — every feature of the full app, free for 14 days from the day you start it. Starting the trial is free, nothing is charged when it ends, and nothing is bought for you: when it ends, the converter stays free and every other feature locks until you buy the lifetime unlock. Each account gets one trial.
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Lifetime unlock — a one-time purchase that unlocks the full app: 160 currencies, keyed exchange rates from ExchangeRate-API, the Markets tab and pair detail, the bond-yield dashboard, AI trend outlooks, watchlists, rate alerts, two-pair chart overlays, CSV export, and every chart range. It does not expire for as long as CertusFX is offered.
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Early users — if you had the CertusFX app installed before the update that introduced the lifetime unlock, or created your account before October 10, 2026, you keep every feature of the full app free, without a purchase.
Every purchase is a single payment. Nothing recurs, nothing continues on its own, and nothing is charged again.
Passes, sold before October 10, 2026, are no longer sold by the current app or website. A pass bought before that date also earned the lifetime unlock. Older versions of the app may still offer passes until they are updated; such a pass gives full access for the term shown at purchase and then ends.
Current pricing is displayed in the app, on your app store listing, and on the Pricing page at certusfx.com at the time of purchase, and may vary by region and currency. Features, pricing, and what the free converter and the full app include are subject to change. We will provide reasonable notice of material changes as described in Section 13.
3. Account Registration
The converter works without an account, and the free trial can be started and the lifetime unlock bought without one. A lifetime unlock bought in the iOS or Android app without an account stays with the app store account it was bought with (Section 4). A lifetime unlock bought on the web without an account is honored in the browser used to buy it until you save it to an account; if that browser's data is cleared before you save it, that browser no longer holds the unlock and we cannot re-issue it, but we can refund it (Section 5). To have your access recognized across your devices and on the web, you must create an account using a valid email address. If you create an account, you agree to:
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Provide accurate, current, and complete information during registration
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Maintain and promptly update your account information to keep it accurate
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Maintain the security of your password and accept responsibility for all activity under your account
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Notify us immediately of any unauthorized use of your account
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Create and maintain only one account per person
We reserve the right to suspend or terminate accounts that contain inaccurate information or violate these Terms.
4. Purchases & Payment Terms
The lifetime unlock is sold in two places. In the iOS and Android apps, purchases are processed by the app store you buy through — the Apple App Store or Google Play — under the applicable store terms. On the web at certusfx.com, the lifetime unlock is sold by Link (Stripe) as merchant of record: Link is the seller of the purchase, collects any sales tax, VAT or GST due on it, issues your receipt, and handles payment support and payment disputes, under the payment terms shown at Checkout. Stripe processes the payment on its own hosted Checkout page, and the charge appears on your statement as LINK.COM* CERTUSFX.COM. By purchasing the lifetime unlock, you agree to the following:
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One-time purchase: The lifetime unlock is a single payment. It does not expire for as long as CertusFX is offered, there is no recurring billing, and nothing is charged again.
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Free trial: Starting the 14-day trial costs nothing. On iPhone and iPad it is started through the App Store as a free in-app item; elsewhere it starts with one tap. When the trial ends, nothing is charged and nothing is bought for you.
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Restoring: A lifetime unlock bought in the iOS or Android app can be restored with Restore Purchases on any device signed in to the same Apple or Google account. A lifetime unlock on your CertusFX account unlocks every device where you sign in to that account.
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Tax and currency: Prices on the web are listed in US dollars and include any applicable tax, so the listed price is what you pay. At Checkout, the price may be shown and charged converted into your local currency; the amount charged is the amount shown at Checkout.
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Immediate access: The full app unlocks as soon as your payment goes through. By buying, you agree to immediate access and acknowledge that you lose the 14-day right of withdrawal that consumers in some countries, such as the EU and the UK, otherwise have for digital content. This does not affect the refund policy in Section 5.
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Founding purchases: The first 1,000 lifetime unlocks bought on each of the App Store, Google Play and the web are founding purchases, and the app shows how many founding spots are left on each. Only confirmed purchases count — not test purchases — and a purchase that is refunded frees its spot. A founding purchase is noted on your account and unlocks exactly what any other lifetime unlock does. When a store's founding spots are taken, the lifetime unlock stays on sale there.
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Price Changes: We will provide at least 30 days' notice before any price increases take effect. Price changes apply only to future purchases, never to an unlock you already own.
5. Refund Policy
App purchases: refunds for purchases made in the iOS or Android app follow the refund policy of the app store you purchased through (Apple App Store or Google Play) and must be requested through that store.
Web purchases: if you ask within 14 days of buying the lifetime unlock on the web, we refund it in full. Link may also refund a web purchase when you contact Link support.
When a purchase is refunded in full — by an app store, by us, or by Link — what it unlocked is removed once the refund is reported to us: a refunded lifetime unlock is removed from your account unless another lifetime unlock you bought still stands, and a refunded pass loses its unused time while every other pass keeps its time. A refunded pass bought before October 10, 2026 also loses the lifetime unlock it earned, unless another lifetime unlock, or another such pass, still stands. Access you hold another way, such as early-user access, is not affected. A partial refund changes nothing.
How to Request a Refund
To request a refund for an in-app purchase, use the refund process of the app store you purchased from (Apple App Store or Google Play). If you need help, contact us at support@nestcalc.ai with your account email and a brief description of the issue.
For a purchase made on the web, contact us at support@nestcalc.ai with the email address you entered at Checkout — it is on your Link receipt — and a brief description of the issue. You can also contact Link support at support.link.com.
6. AI-Generated Content Disclaimer
The Service shows AI trend outlooks: a deterministic signal (direction, strength, confidence) computed from public market data — exchange-rate history and government bond-yield differentials — with short prose written by an AI model (Anthropic Claude) that explains the computed signal.
You acknowledge and agree that:
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AI trend outlooks are estimates and opinions, not guarantees of accuracy, completeness, or timeliness.
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AI-written text may be inaccurate, incomplete, or outdated. AI models may "hallucinate" — generating plausible-sounding but factually incorrect statements.
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You are solely responsible for independently verifying all data and outlooks before relying on them for any purpose.
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CertusFX is NOT a financial advisor, broker, dealer, or licensed professional of any kind. The Service does not provide financial, legal, tax, or investment advice.
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AI outputs do not constitute a recommendation to buy, sell, hold, or exchange any currency or financial instrument.
7. Financial Disclaimer
All rates, yields, charts, and outlooks provided by the Service are informational reference values. They are not dealing quotes, not a price at which you can transact, and do not reflect the actual rate you will receive from any bank, payment provider, or exchange service.
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Data can be delayed, approximate, or wrong, and coverage can change without notice.
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Past performance does not guarantee future results. Historical trends referenced by the Service may not continue.
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Foreign-exchange markets involve significant risk. Exchange rates can move substantially and without warning.
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You should confirm the actual rate with your bank, payment provider, or exchange service, and consult licensed professionals, before moving money or making any financial decision.
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CertusFX assumes no liability for any financial decisions you make or any outcomes that result from your use of the Service.
By using the Service, you acknowledge that you assume all risk associated with your financial decisions and that CertusFX bears no responsibility for those outcomes.
8. Intellectual Property
The Service, including its design, code, algorithms, text, graphics, logos, and all other content created by CertusFX (collectively, "Platform Content"), is the exclusive property of NestCalc.ai LLC dba CertusFX and is protected by applicable intellectual property laws.
You retain all rights to the data you input into the Service (watchlists, alerts, preferences). We do not claim ownership of your input data. However, you grant us a limited license to process your data solely for the purpose of providing the Service.
9. Acceptable Use
You agree not to:
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Scrape, crawl, or use automated tools to extract data from the Service
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Reverse engineer, decompile, or disassemble any part of the Service
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Access or attempt to access the Service's APIs, servers, or databases through unauthorized means
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Resell, sublicense, or redistribute data, charts, or outlooks obtained from the Service
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Use the Service to develop a competing product or service
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Interfere with or disrupt the Service, its servers, or connected networks
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Impersonate another person or misrepresent your affiliation with any entity
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Use the Service for any unlawful purpose or in violation of any applicable laws
Violation of these terms may result in immediate account termination without refund.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
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CertusFX's total aggregate liability to you for all claims arising out of or related to the Service shall not exceed the total amount you paid for the Service in the 12 months immediately preceding the event giving rise to the claim.
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IN NO EVENT SHALL CERTUSFX BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, including but not limited to loss of profits, loss of data, or loss of business opportunities, regardless of the theory of liability.
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This limitation applies even if CertusFX has been advised of the possibility of such damages and even if a remedy fails of its essential purpose.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
11. Dispute Resolution
Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions.
Binding Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding individual arbitration, not in court. Arbitration shall be conducted under the rules of the American Arbitration Association (AAA) and shall take place in Wyoming or remotely, at the election of the claimant.
Class Action Waiver
YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive the right to participate in a class action lawsuit or class-wide arbitration against CertusFX.
Individual Claims Only
All claims must be brought in the parties' individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
Exceptions
Either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights.
12. Termination
By CertusFX: We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, for conduct that we determine, in our sole discretion, violates these Terms or is harmful to other users, us, or third parties, or for any other reason.
By You: You may stop using the Service at any time. The lifetime unlock and passes are one-time purchases — there is nothing to cancel. You may delete your account as described on our Delete data page or by contacting support@nestcalc.ai. Deleting your account removes a lifetime unlock bought on the web and tied to it; a lifetime unlock bought in the iOS or Android app stays with the Apple or Google account it was bought with and restores through that store (Section 4).
Upon termination, your right to use the Service ceases immediately. Sections 6, 7, 10, and 11 of these Terms survive termination.
13. Changes to Terms
We may modify these Terms at any time. For material changes, we will provide at least 30 days' notice by updating the "Last Updated" date at the top of this page and, where appropriate, notifying you via email or an in-app notice. Changes required by law, or made to protect the security of the Service or its users, take effect immediately.
The free trial and the lifetime unlock, introduced on October 10, 2026, took effect immediately for purchases made from that date. They take nothing away from anyone who used CertusFX before: early users keep every feature free, and a pass bought before that date keeps its time and also earned the lifetime unlock. That is why they were not held for the 30-day notice above.
Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service.
14. Contact Information
If you have questions about these Terms, please contact us:
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Email: support@nestcalc.ai
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Mailing Address: NestCalc.ai LLC dba CertusFX, 30 N Gould St Ste R, Sheridan, WY 82801
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Entity: NestCalc.ai LLC dba CertusFX — a Wyoming limited liability company
Effective Date: October 12, 2026