1. Introduction

Welcome to Lisa, a financial management application developed by After Zero GmbH, located at Charlottenstr. 1, 10969 Berlin, Germany. By downloading, accessing, or using our mobile application (the "App"), you agree to be bound by these Terms and Conditions ("Terms").

2. Definitions

"App" refers to the Lisa mobile application.
"User," "you," and "your" refer to the person who has downloaded and is using the App.
"We," "us," and "our" refer to After Zero GmbH.
"Content" refers to all information displayed or made available through the App.
"Financial Data" refers to information from your financial accounts accessed through the App via Plaid.

3. 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 the App for your personal, non-commercial purposes on a single iOS device that you own or control.

4. Plaid Services

Our App uses Plaid to connect to your financial institutions. By using our Plaid-powered features, you acknowledge and agree that:

• You authorize us and Plaid to access your Financial Data.
• You understand Plaid's Privacy Policy and Terms of Service.
• Your use of Plaid-powered features is subject to Plaid's terms and privacy policy.

5. User Responsibilities

You agree to:

• Provide accurate information when using the App.
• Maintain the confidentiality of your account information.
• Notify us immediately of any unauthorized use of your account.
• Use the App in compliance with applicable laws and regulations.

6. Data Privacy

We are committed to protecting your privacy. Our Privacy Policy, available at privacy, describes how we collect, use, and share your data when you use the App.

7. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

9. Financial Decisions

The App provides information for educational and informational purposes only. You are solely responsible for your financial decisions. We recommend consulting with qualified financial professionals before making important financial decisions.

10. Modifications to Terms

We may modify these Terms at any time. Your continued use of the App after such modifications constitutes your acceptance of the modified Terms.

11. Termination

We may terminate or suspend your access to the App immediately, without prior notice, for any reason whatsoever, including, without limitation, if you breach these Terms.

12. Governing Law

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

13. Contact Us

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

After Zero GmbH
Charlottenstr. 1
10969 Berlin, Germany
Email: hello@spinoff.studio