Terms of Use

Effective October 14, 2026

These Terms of Use ("Terms") are a contract between you and Davfalcon Company LLC ("Davfalcon," "we," "us"). They cover the Nornas app and its connected features. By tapping Agree and Continue, or by using Nornas, you agree to them. If you do not agree, do not use Nornas.

Please read Section 16. Disputes go to individual arbitration, not to court or class actions. You can opt out within 30 days.

Apple's Licensed Application End User License Agreement also applies. Section 17 has the terms Apple asks every app to include.

1. What Nornas is, and is not

Nornas helps you see your bills, paydays, accounts and plans in one place. It reminds you before things are due.

Nornas does not:

• hold, move or pay money;
• give you a bank account, a card or credit;
• give financial, investment, tax, legal, credit or accounting advice;
• act as your broker, adviser, fiduciary or agent.

Nothing in Nornas tells you to buy, sell, pay, borrow, save or cancel anything. You make your own decisions. Talk to a qualified professional before a big money decision.

2. Who can use Nornas

Nornas is for people 18 and older. You must also be the age of majority where you live. By using Nornas you confirm that you are.

You may connect only accounts that are yours or that you have the right to access.

3. Your account

Most of Nornas works with no account. Sharing, banks and plans need Sign in with Apple. Keep your Apple Account and your iPhone secure. You are responsible for what happens under your account and for what you enter.

4. Information can be wrong

Nornas shows information from several places:

• what you type;
• your Calendar and Reminders, when you allow it;
• your banks, card issuers, lenders and brokers, through Plaid;
• Apple Wallet, through Apple's FinanceKit, when you allow it;
• people you share with;
• facts about companies, such as phone numbers, cancel pages and terms, taken from those companies' own public pages.

Any of it can be late, incomplete, duplicated or wrong. Banks often report a day late. Companies change phone numbers and pages without notice. Check with your bank or the company before you rely on a figure or a fact. Their records are the official ones.

You are still responsible for paying on time, and for any fees, interest, overdrafts or losses from a payment made, late or missed.

5. Estimates and projections

Some screens show estimates, not facts. Examples: "At this pace", "Fits your pay", interest you could save, interest a savings account seems to earn, when a loan could be paid off, and the year's totals for taxes.

• They use your past data and simple math. They assume things stay the same. They will not.
• Past results do not predict future results. Investments can lose value.
• They are not offers, promises or advice.
• Your Taxes is a summary of what your banks reported. It is not a tax return or tax advice. Use the forms your employer, banks and brokers send.

6. Letters Nornas writes for you

Some screens offer a letter you can send, such as a request to cancel a subscription, to cancel PMI, to lower a card's rate, or to confirm a zero balance. Nornas only fills in a draft in your own email app.

• You choose whether to send it, to whom, and what it says.
• Read it first. Make sure every fact in it is true for you.
• Nornas does not send it, does not act for you, and does not promise any result. A company may say no.
• A letter is not legal advice.

7. Cancelling other services

Nornas can show how to cancel a service and open that company's own cancel page. You cancel with the company yourself. Nornas never asks for your password to another service and never cancels for you. Check with the company that the cancellation went through.

8. Your data and iCloud

Nornas keeps your bills and plans on your iPhone and, if you use iCloud, in your own private iCloud. That copy is yours, and Apple's iCloud terms apply to it. Nornas is not a backup service. If your iPhone does not use iCloud, Nornas offers to export your data. Keep your own records of anything you cannot lose. The Privacy Policy explains how we handle data.

9. Sharing with other people

You can share bills and plans with people you invite. What you share is stored on our servers so they can see it.

• Everyone you invite sees what you share. Do not share what they should not see.
• "Who owes whom" and Settle Up are notes you keep. Nornas does not collect, hold or send money between people, and does not check that anyone paid.
• Each person is responsible for their own payments and promises. Nornas is not part of any deal between you.
• The person who created a shared item can delete it for everyone or hand it to someone else.
• We may remove shared content that breaks these Terms.

10. Bank connections and Apple Wallet

Banks. Connecting a bank is optional. It needs a plan (Section 11).

• Connections run through Plaid and your bank. Their terms and Plaid's End User Privacy Policy apply too.
• Nornas only reads. It cannot move money.
• Your bank may be closed, slow, or ask you to sign in again. Nornas then keeps the last data it had, says when it was updated, and asks you to reconnect.
• You can disconnect a bank at any time in the app. That deletes the connection and the data we got from it. It does not change your bank account.
• When your plan ends, your bank data is deleted two days later. Your own bills, paydays and plans stay.

Apple Wallet. You can add Apple Card, Apple Cash and Apple Savings for free, through Apple's FinanceKit. You choose the accounts in Apple's own screen. That data is read on your iPhone only and never sent to us. You can stop sharing in your iPhone's Settings at any time.

11. Plans, free trial and automatic renewal

Everything in Nornas that works without a bank is free. Banks and some help features need a paid plan.

The plans. Prices in the United States, before any tax:

The App Store shows the exact price before you buy. If it differs from this table, the App Store price applies. A feature marked "when available" is not in the app yet; we do not charge extra for it when it arrives.

Free trial. A new subscriber may get a 7-day free trial. When the trial ends, you are charged the plan's price unless you cancel at least 24 hours before it ends. You can get a free trial only once.

Automatic renewal. Your plan renews automatically at the end of each month or year, at the price you agreed to, until you cancel. Apple charges your Apple Account when you buy (or when the trial ends) and at each renewal.

How to cancel. Cancel at any time, online, in a few taps:

• In Nornas: Settings > Subscription > Cancel Subscription (Settings opens from your photo); or
• On your iPhone: Settings > [your name] > Subscriptions > Nornas > Cancel Subscription.

Cancel at least 24 hours before the renewal date to avoid the next charge. After you cancel, you keep your plan until the end of the period you paid for. Deleting the app or your Nornas account does not cancel the plan.

Your renewal date. Settings > Subscription in Nornas always shows your plan, its price and when it renews. Apple sends a receipt for each charge.

Reminders. While your plan is set to renew and notifications for Nornas are on, Nornas reminds you on your iPhone 3 days before a free trial ends, 35 days before a yearly plan renews, and once a year for a monthly plan. If notifications are off, Settings > Subscription shows the next reminder instead.

Changing plans. Upgrades, downgrades and switching between monthly and yearly happen through Apple, which decides when the change starts and any proration.

Price changes. If the price goes up, Apple tells you first and, where the law or Apple requires it, asks you to agree. If you do not agree, the plan ends at the end of the current period.

Refunds. Apple sells and bills the plan, so Apple decides refunds under its own rules. We cannot issue refunds for App Store purchases ourselves. To ask for one, use Settings > Subscription > Request a Refund in Nornas, which opens Apple's refund request, or go to reportaproblem.apple.com. Cancelling stops future charges but does not refund the current period. Nothing in these Terms takes away a refund the law gives you.

Promotional offers. If we run an offer, such as an invite trial or a discount, the offer screen shows its length, its price and what happens when it ends. Those terms apply to it.

12. Acceptable use

Do not misuse Nornas. Do not access anyone's data without permission, get around security, overload or interfere with the service or its providers, reverse engineer the app except where the law allows, scrape it, store or share illegal content, or use it for fraud.

13. Ending use and deleting data

You can stop using Nornas at any time.

• Erase All Data removes your data from your iPhone and your iCloud copy.
• Delete Account (Settings > Profile) removes your bank connections, your shared items and your Nornas account from our servers.
• Neither one cancels an App Store plan. Cancel it first (Section 11).

We may suspend or end your access if you break these Terms, to protect users or our providers, or if the law requires it. If we end the service for everyone, we will give notice in the app when we can.

14. No warranties

TO THE FULLEST EXTENT THE LAW ALLOWS, NORNAS IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, AVAILABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT DATA FROM BANKS, PLAID, APPLE OR COMPANIES WILL BE ACCURATE, COMPLETE OR CURRENT. SOME STATES DO NOT ALLOW THESE EXCLUSIONS, SO THEY MAY NOT ALL APPLY TO YOU.

15. Limit of liability

TO THE FULLEST EXTENT THE LAW ALLOWS:

• DAVFALCON IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST MONEY, LATE OR MISSED PAYMENTS, FEES, INTEREST, OVERDRAFTS, INVESTMENT LOSSES, LOST PROFITS OR LOST DATA, ARISING FROM NORNAS, ITS ESTIMATES, LETTERS OR COMPANY FACTS, OR DATA FROM THIRD PARTIES.
• OUR TOTAL LIABILITY FOR ALL CLAIMS IS LIMITED TO THE GREATER OF WHAT YOU PAID FOR NORNAS IN THE 12 MONTHS BEFORE THE CLAIM, OR $50.

These limits do not apply to liability that the law does not allow to be limited, such as for our gross negligence or intentional misconduct where that rule applies.

You agree to cover us for claims by others that come from your breaking these Terms or the law, or from content you share.

16. Disputes: informal first, then individual arbitration

Talk to us first. Before any claim, email support@nornas.app with your name, the problem and what you want. We both try in good faith to solve it for 60 days.

Arbitration. If we cannot solve it, you and Davfalcon agree to resolve it by binding individual arbitration, not in court, except as listed below. The Federal Arbitration Act governs this section. The American Arbitration Association (AAA) runs it under its Consumer Arbitration Rules. We pay the filing and arbitrator fees the AAA consumer rules assign to the business. The hearing can be by phone or video, or in your home county.

No class actions. Claims are brought only individually, not as a plaintiff or class member in any class, collective or representative action. The arbitrator cannot combine claims of more than one person.

Exceptions. Either of us may bring an individual claim in small claims court. Either of us may ask a court to stop misuse of intellectual property or a security breach.

Mass filings. If 25 or more similar claims are filed by the same or coordinated lawyers, they are handled in batches under the AAA's mass arbitration rules.

Opt out. You can opt out of this section within 30 days of first agreeing to these Terms. Email support@nornas.app with your name and the words "I opt out of arbitration." Opting out does not affect the rest of these Terms.

If part of this fails. If the class action waiver is found unenforceable for a claim, that claim goes to court, not arbitration, and the rest of this section still applies to other claims.

17. Apple

These Terms are between you and Davfalcon, not Apple. Apple is not responsible for Nornas or its content.

• Your license is to use Nornas on Apple devices you own or control, as the App Store Usage Rules allow.
• Apple has no duty to provide support or maintenance for Nornas.
• If Nornas fails to meet a warranty that applies, you may tell Apple, and Apple may refund the purchase price. Apple has no other warranty duty.
• Apple is not responsible for claims about Nornas, including product liability, legal compliance, consumer protection, privacy, or intellectual property claims. Davfalcon handles them as these Terms say.
• You confirm you are not in a country under a US embargo and not on a US list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

18. Changes to these Terms

We may update Nornas and these Terms. For a material change, we tell you in the app before it takes effect and ask you to agree again. Changes do not apply to a dispute that started before them. A price change for your plan follows Section 11, not this section.

19. Governing law

Florida law governs these Terms, without its conflict-of-law rules, except that the Federal Arbitration Act governs Section 16. Claims not in arbitration go to the state or federal courts in Miami-Dade County, Florida. This does not take away a right your own state's consumer laws give you that cannot be waived.

20. Other terms

If a part of these Terms is unenforceable, the rest still applies. Not enforcing a part is not a waiver. You may not transfer these Terms; we may transfer them with our business. These Terms, the Privacy Policy and the terms shown with an offer are the whole agreement about Nornas.

21. Contact

Davfalcon Company LLC
640 W 53rd Terrace, Hialeah, FL 33012, United States
support@nornas.app

Apple, iPhone, iCloud, Apple Card, Apple Cash, Apple Wallet, Siri, Sign in with Apple and TestFlight are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Nornas is made by Davfalcon Company LLC and is not affiliated with, sponsored or endorsed by Apple Inc.