Terms and Conditions

Effective Date: March 27, 2026

Service: Plus Minus Next application

Operator: we

Introduction

These Terms and Conditions govern your use of Plus Minus Next application, operated by we.

By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

Last updated: March 27, 2026

Acceptance of Terms

By accessing and using our services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms and Conditions constitute a legally binding agreement between you and us. Your continued use of the services will be deemed acceptance of these terms.

Age Requirement

You must be at least 13 years old to use our services. In certain countries (such as EU Member States), the minimum age may be up to 16 years depending on local digital consent laws.

If you are under the applicable minimum age, you must have verifiable parental or guardian consent to use the services. We reserve the right to request proof of parental consent.

By using our services, you represent that you meet these age requirements or have obtained proper parental consent.

If we learn that we have collected personal information from someone under the minimum age without parental consent, we will take steps to delete that information as required by applicable law (including COPPA in the United States).

Use of Service

You may use Plus Minus Next application only for lawful purposes and in accordance with these Terms. You agree not to use our services:

• In any way that violates any applicable national or international law or regulation
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate us, our employees, another user, or any other person or entity
• In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the services

Intellectual Property Rights

The services and their original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of we.

Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. All other trademarks not owned by us that appear on the services are the property of their respective owners.

You may not modify, reproduce, distribute, create derivative works or adaptations of, publicly display or in any way exploit any of the content in whole or in part except as expressly authorized by us.

Right of Withdrawal (EU/EEA/UK Consumers)

If you are a consumer in the EU/EEA/UK, you have the right to withdraw from paid digital services within 14 days from the date of contract, without giving any reason.

Withdrawal Period: The 14-day withdrawal period begins on the day the contract is concluded (i.e., when you make a purchase or subscribe).

Immediate Supply & Loss of Right: If you request that we begin supplying digital content or services during the withdrawal period, you expressly consent to immediate supply and acknowledge that: - You will lose your right of withdrawal once we have fully performed the service or supplied the digital content - If you withdraw after supply has begun, you must pay a pro-rata amount for the services received up to the moment you communicated your withdrawal

How to Exercise Withdrawal: To exercise your right of withdrawal, you must inform us of your decision by sending a clear statement to: - Email: [email protected]

You may use the model withdrawal form provided below, but it is not obligatory.

Model Withdrawal Form: ``` To: Company Name Email: [email protected]

I/We hereby give notice that I/We withdraw from my/our contract for the following service: [Service name]

Ordered on: [Date] Name of consumer(s): [Your name] Address of consumer(s): [Your address] Email: [Your email]

Date: [Date] Signature (only if this form is notified on paper): [Signature] ```

Effects of Withdrawal: If you withdraw from this contract, we will reimburse all payments received from you, without undue delay and in any event no later than 14 days from the day on which we received notice of your decision to withdraw.

We will refund using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. You will not incur any fees as a result of the refund.

Exceptions: The right of withdrawal does not apply to: - Digital content if supply has begun with your prior express consent and acknowledgment that you lose your right of withdrawal - Contracts for services after the service has been fully performed - Goods or services the price of which depends on fluctuations in the financial market

App License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to: - Download, install, and use Plus Minus Next on devices you own or control - Use the App solely for your personal or internal business purposes - Access the App's features and functionality as made available to you

License Restrictions: You may not: - Modify, reverse-engineer, decompile, or disassemble the App - Remove, alter, or obscure any proprietary notices (copyright, trademark, etc.) - Copy the App except as expressly permitted by these Terms - Transfer, sublicense, rent, lease, or lend the App to any third party - Use the App for any unlawful purpose or in violation of these Terms - Circumvent any technical limitations or security measures in the App - Use the App to develop competing products or services

App Store Terms: Your use of the App is also subject to the terms of service of the Apple App Store or Google Play Store from which you downloaded the App. If there is a conflict between these Terms and the app store terms, the app store terms will control with respect to your use of the App to the extent of the conflict.

Separate EULA: If you have agreed to a separate End-User License Agreement (EULA) for the App, that EULA governs your use of the App in addition to these Terms. In the event of any conflict between these Terms and the EULA, the EULA will control with respect to your use of the App.

Intellectual Property: we retains all right, title, and interest in and to the App, including all intellectual property rights. This license does not grant you any ownership rights to the App.

App Store Terms

Third-Party Beneficiaries: Apple Inc. (for iOS apps) and Google LLC (for Android apps) are third-party beneficiaries of these Terms and have the right to enforce these Terms directly against you. By accepting these Terms, you also agree to Apple's and Google's respective app store terms of service.

App Store Billing: - All in-app purchases and subscriptions are processed through the Apple App Store or Google Play Store - Billing and payment are handled by Apple or Google, not by us - Refunds for in-app purchases are subject to the app store's refund policy - You should contact Apple or Google directly for billing inquiries or refund requests - Subscription management must be done through your Apple ID or Google Play account settings

App Store Rules: Your use of the App must comply with: - Apple App Store: [Apple's App Store Review Guidelines](https://developer.apple.com/app-store/review/guidelines/) and [Apple Media Services Terms and Conditions](https://www.apple.com/legal/internet-services/itunes/) - Google Play Store: [Google Play Terms of Service](https://play.google.com/intl/en_us/about/play-terms/) and [Google Play Developer Program Policies](https://support.google.com/googleplay/android-developer/answer/9858738)

Platform Requirements: The App requires: - iOS 13.0 or later (for iPhone/iPad apps) - Android 8.0 (API level 26) or later (for Android apps) - Internet connection for full functionality - Sufficient storage space on your device

Updates: We may release updates to the App from time to time. Some updates may be required for continued use of the App. You are responsible for ensuring your device is compatible with the latest version of the App.

Platform Liability: Apple and Google have no obligation to provide maintenance or support services for the App. Any claims relating to the App should be directed to us, not to Apple or Google, except as required by applicable law.

Third-Party Services and Links

Our services may contain links to third-party websites, applications, or services that are not owned or controlled by us. We may also integrate or embed third-party content, services, or functionality (such as payment processors, analytics, maps, social media widgets, or advertising networks).

No Control or Endorsement: We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites, services, or resources. We do not endorse or make any representations about third-party websites or services.

Third-Party Terms: Your use of third-party services is governed by their respective terms of service and privacy policies. You should review the terms and policies of any third-party service before using it.

Affiliate Relationships: We may participate in affiliate programs and may earn commissions or referral fees from purchases or sign-ups through affiliate links. These relationships do not affect our editorial independence or your purchase price.

Embedded Services: Third-party embeds (such as YouTube videos, Google Maps, payment processors, or social media content) may collect data about you according to their own privacy policies. We are not responsible for data collection by embedded third-party services.

External Links: When you click on links to external websites, you will leave our services and be subject to the terms and policies of those external websites. We are not responsible for the content or practices of external websites.

Your Responsibility: You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any third-party content, goods, or services available through such third-party websites or services.

Removal of Links: We reserve the right to remove any third-party links or integrations at any time without notice.

Prohibited Uses

In addition to other terms as set forth in these Terms and Conditions, you are prohibited from using our services:

• For any unlawful purpose or to solicit others to perform or participate in any unlawful acts
• To violate any international, federal, provincial or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track the personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of our services or any related website, other websites, or the Internet

We reserve the right to terminate your use of the services for violating any of the prohibited uses.

Termination

We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions.

Upon termination, your right to use the services will immediately cease. If you wish to terminate your account, you may simply discontinue using the services.

All provisions of these Terms and Conditions which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Warranty Disclaimer

The services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied.

we disclaims all warranties, including but not limited to: - Implied warranties of merchantability - Fitness for a particular purpose - Non-infringement - Quiet enjoyment - Accuracy of data

We do not warrant that the services will be uninterrupted, timely, secure, or error-free. We do not warrant that the results obtained from using the services will be accurate or reliable.

Consumer Rights: Nothing in these Terms affects your statutory rights as a consumer. Where required by mandatory consumer protection law, the above disclaimers do not apply, and you retain all rights provided by such laws.

Limitation of Liability

To the fullest extent permitted by law, our aggregate liability arising out of or related to the services is capped at the greater of 100 EUR or the fees you paid to us in the 12 months preceding the claim.

In no event shall we, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation: - Loss of profits, data, use, goodwill, or other intangible losses - Unauthorized access, use or alteration of your transmissions or content - Statements or conduct of any third party on the services - Any other matter relating to the services

Whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Mandatory Exceptions (EU/EEA/UK): Nothing in these Terms excludes or limits our liability for: - Death or personal injury caused by our negligence - Fraud or fraudulent misrepresentation - Gross negligence or willful misconduct - Any liability that cannot be excluded or limited by applicable law

Consumer Rights: If you are a consumer in the EU/EEA/UK, your statutory consumer rights remain unaffected by these limitation of liability terms. National consumer protection laws may provide you with additional rights that cannot be waived by contract.

Indemnification

You agree to defend, indemnify and hold harmless we and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of:

• Your use and access of the services
• Your violation of any term of these Terms and Conditions
• Your violation of any third party right, including without limitation any copyright, property, or privacy right
• Any claim that your Content caused damage to a third party

This defense and indemnification obligation will survive these Terms and Conditions and your use of the services.

Force Majeure

we shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to:

• Acts of God, natural disasters, epidemics, or pandemics
• War, terrorism, riots, or civil unrest
• Government actions, laws, or regulations
• Labor disputes or strikes
• Utility failures or telecommunications outages
• Internet service provider failures or delays
• Cyber attacks or data breaches affecting third-party services
• Any other event beyond our reasonable control

In such events, our obligations under these Terms will be suspended for the duration of the force majeure event. We will use reasonable efforts to minimize the impact and resume normal operations as soon as possible.

Governing Law

These Terms and Conditions shall be governed and construed in accordance with the laws of Germany, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms and Conditions will not be considered a waiver of those rights. If any provision of these Terms and Conditions is held to be invalid or unenforceable by a court, the remaining provisions of these Terms and Conditions will remain in effect.

Dispute Resolution

If you have any concern or dispute about our services, you agree to first try to resolve the dispute informally by contacting us.

For EU/EEA/UK Consumers: - Governing Law: These Terms are governed by the laws of Germany. - Court Jurisdiction: You may bring proceedings in the courts of your country of residence. - Online Dispute Resolution: EU consumers can use the EU Online Dispute Resolution platform at [https://ec.europa.eu/consumers/odr](https://ec.europa.eu/consumers/odr) - Consumer Rights: Your statutory consumer rights and protections under applicable consumer law remain unaffected.

For Business Users: If you are not a consumer, any disputes shall be exclusively resolved in the courts of Germany.

Changes to Terms and Conditions

We reserve the right to modify or replace these Terms and Conditions at any time.

Notice of Changes: For material changes (such as changes to pricing, payment terms, cancellation rights, or dispute resolution), we will provide advance notice by: - Email to the address associated with your account - Prominent notice on our services - In-app notification (if applicable)

We will provide at least 30 days' notice for material changes, or such longer period as required by applicable law.

Acceptance of Changes: By continuing to access or use our services after the changes take effect, you agree to be bound by the revised terms. If you do not agree to the new terms, you must stop using the services and may cancel your account in accordance with these Terms.

Consent Requirement: Where required by law (such as for price increases in ongoing subscriptions), we will request your explicit consent before applying the changes. You will have the right to cancel before the changes take effect without penalty.

Contact Us

If you have any questions about these Terms and Conditions, please contact us:

Email: [email protected]