Terms of Use
Last updated: November 14, 2026
These terms apply to your use of the Nubu app, operated by Teder Harmony Ltd. ("we", "us"). By creating an account or using Nubu you agree to them. If you download Nubu from the Apple App Store, Apple's Standard Licensed Application End User License Agreement also applies.
1. What Nubu is
Nubu is a personal planning tool. You enter your loans, expenses, savings and income, and Nubu projects your debt-free date, net worth and goals over time.
2. Not financial advice
Projections are estimates based on the numbers and assumptions you provide (such as interest rates, growth and inflation). Real results will differ. Nubu does not provide financial, investment, tax or legal advice, and nothing in the app is a recommendation to buy, sell, borrow or refinance anything. Consider speaking with a qualified professional before making financial decisions.
3. Your account
You must be 18 or older. You are responsible for keeping your login secure and for the accuracy of what you enter. You can delete your account at any time in the app (Settings → Manage Account → Delete account).
4. Free plan and Premium
- Nubu offers a free plan and an optional Premium subscription.
- Premium is billed through your Apple ID. Prices and any free trial are shown in the app before you subscribe.
- Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel in your device's Settings → Apple ID → Subscriptions.
- Refunds are handled by Apple under its policies.
5. Acceptable use
Don't misuse the service: no attempts to access other users' data, interfere with the service, reverse-engineer it beyond what the law allows, or use it for unlawful purposes.
6. Your data
You own the information you enter. You give us permission to store and process it only to provide Nubu to you. Our Privacy Policy explains how we handle it.
7. Changes and availability
We may improve, change or discontinue features. If we make material changes to these terms, we will let you know in the app. Continuing to use Nubu after a change means you accept the updated terms.
8. Disclaimers and limitation of liability
Nubu is provided "as is" without warranties of any kind, to the extent permitted by law. To the extent permitted by law, we are not liable for indirect or consequential losses, or for financial decisions made based on projections in the app. Our total liability for any claim is limited to the amount you paid us for Nubu in the 12 months before the claim. Nothing in these terms limits rights you have under consumer protection laws that cannot be waived.
9. Governing law
These terms are governed by the laws of the State of Israel, and the courts of Tel Aviv–Jaffa have jurisdiction, except where the consumer protection laws of your country of residence require otherwise.
10. Contact
Teder Harmony Ltd.
Email: support@teder.ai