Terms of Use (ToU) These Terms of Use define the framework under which users may access and use the mobile and web application provided by Novadesko SRL (“the Novadesko Application”), as well as all documents, content, videos, information, and materials it contains (“the Information”). They also govern the use of the Novadesko website. The Novadesko Application and associated Services are intended for individuals who are at least 18 years old, registered with the Crossroads Bank for Enterprises, and using the Application within the scope of their professional activity. In these Terms, such individuals are referred to as “You”, “Your”, or “the User”. Novadesko SRL · Legal Information Rue de Boussoit 4 7110 Maurage, Belgium Commercial Court of Mons Tel.: +32 64 78 00 87 Email: admin@novadesko.com Novadesko operates the Application and Services in compliance with the regulatory obligations applicable in Belgium. Before creating an account or using the Services, You are invited to read these Terms and Conditions carefully and keep a copy. By installing the Novadesko Application, registering, or accessing the Services, You acknowledge that You are bound by these Terms and Conditions, as amended and updated over time. The Terms and Conditions are available in French and English. They can be consulted at any time on the website www.novadesko.com and provided on a durable medium upon simple request. Definitions In these Terms of Use, the following terms, when used with a capital letter, have the following meaning: Terms and Conditions / ToU: the present terms governing the contractual relationship between You and Novadesko SRL. Novadesko / Novadesko SRL: the company whose registered office is located at Rue de Boussoit 4, 7110 Maurage (Belgium), registered with the Commercial Court of Mons. Novadesko Application / Application: the application provided on Web, Android and iOS platforms. Novadesko Credentials / Credentials: all elements allowing Your authentication (username, password, PIN code or any other secure system). Novadesko Website: all pages and services accessible via www.novadesko.com or any other domain operated by Novadesko. Device: any hardware used to access the Application (smartphone, tablet, computer, etc.). Information: all content made available in the Application or on the Website: texts, documents, videos, data, messages, automated elements, etc. Services: all features, modules, integrations, tools or services offered, whether free or accessible through a subscription. Third-Party Providers: any external entity interacting with the Application (platform, API, technical provider, banking service, AI service, etc.). AI Features / AI Module: any integrated system using artificial intelligence mechanisms, automated processing or algorithmic analysis, possibly provided by third parties. Hosting Provider / OVH: the provider responsible for hosting data and technical infrastructures. User / You / Your: any natural or legal person using the Application or the Services. VAT: the value-added tax applicable under Belgian law. Accounting Documents: all receipts, invoices, notes, scanned items or files imported by the User. User Content: any data, photo, document, file or information imported, inserted or generated by the User. Bugs, Technical Errors or Automated Results: any information calculated or generated automatically that may be inaccurate, incomplete or erroneous. The Novadesko Application and the Services provided The Novadesko Application is available on the Web as well as on Android and iOS devices. It provides Users with a set of tools designed to facilitate the administrative, accounting and financial management of their professional activity. Some features are available free of charge, while others require a subscription. Main Features With the Application, You can notably: connect compatible banking services to automatically import and view Your transactions; record and manage Your professional expenses; scan, import and automatically read supporting documents (invoices, receipts, notes, various documents); categorize these documents appropriately; automatically match Your supporting documents with Your financial transactions; create, edit and send quotes and invoices; view estimates of VAT, social contributions and taxes based on the data You enter in the Application; benefit from automated or AI-assisted support modules to help with administrative and accounting obligations. The scope of these features may evolve over time depending on development choices, technical updates or the introduction of new services. Possible banking services When the Application includes the possibility of using banking services provided by a third-party partner holding the necessary legal authorisations, the opening of an account or access to such services is carried out directly with that partner. The applicable contractual terms are those defined by that provider (see the section “Integrations and Third-Party Providers”). Availability of options and subscriptions The Services available depend in particular on: the options selected in the Application; the type of device used; the applicable subscription plan, if any; Your location or the technical availability at that moment. Certain advanced features require a paid subscription. The Application specifies, for each service, the access conditions as well as any applicable fees and related terms. Information provided in the Novadesko Application The Novadesko Application may contain various information intended to assist the User in using the Services, including automated indications, general or personalised guidance related to the administrative, accounting or tax management of their activity. This Information, whether displayed in the Application or on the Novadesko website, is provided for informational purposes only. It does not constitute professional, tax, accounting or legal advice. Any analysis or decision requiring expertise falls under the responsibility of an independent professional advisor chosen by the User. Novadesko strives to provide content that is as reliable and relevant as possible but does not guarantee the accuracy, completeness or timeliness of the Information displayed. Novadesko accepts no liability for any damage or consequence arising from the use or interpretation of this Information, including in the event of a technical error, missing data or incorrect automated analysis. If You notice any error or omission, You may contact Novadesko at admin@novadesko.com. However, Novadesko remains free to modify or not modify the affected content. The Application may also display content originating from third parties or provide links to external websites totally independent of Novadesko. The presence of such links or content is provided for Your convenience and does not constitute endorsement, guarantee or recommendation by Novadesko. the accuracy or reliability of data provided by a third party; products or services offered by an external site or provider; the use You make of such third-party information. The User remains solely responsible for consulting and using any content originating from external sources. Novadesko reserves the right to add, delete or modify at any time the Information and features available in the Application or on the Website, without prior notice. Novadesko may also adjust the access terms or structure of its Services at any time. You must ensure that any person accessing the Services or Information through Your account is duly authorised to do so. Access, Use and Availability of the Services Conditions of Use Access to the Services offered by Novadesko is reserved for natural persons aged at least 18 years, as well as legal entities duly registered with the Crossroads Bank for Enterprises. The use of the Application must exclusively take place within the context of a professional activity. The Services are not necessarily available in all countries or in all languages. Their accessibility may vary depending on geographic location, local restrictions or applicable regulatory requirements. The availability of features also depends on several factors, such as: the type of device used and its operating system; the quality of Your internet connection; Your telecom operator; maintenance operations, updates or technical constraints. The User acknowledges and accepts all technical limitations that may affect the use of the Application. Novadesko may interrupt all or part of the Services, temporarily or permanently, without any obligation to provide prior notice. In the event of a permanent discontinuation of a paid Service, the User may be reimbursed for services not yet performed or for the remaining portion of their current subscription. No additional compensation may be claimed in the event of temporary or permanent interruption. Account Creation Some features require the creation of a user account. For this purpose, You will need to provide several pieces of information, visible and editable in Your settings. The nature of these data depends on Your status (natural person or legal entity) and the Services used. To fully benefit from the Services, You must provide accurate, complete and up-to-date information. Any modification must be communicated or updated without delay. Novadesko reserves the right to suspend or delete any account containing inaccurate, incomplete or outdated information. When registering, You must provide a valid email address and define Your Novadesko Credentials (username, password, PIN code…). These Credentials are strictly personal and their confidentiality is entirely Your responsibility. You must not disclose them to any third party, even trusted individuals. In case of suspected fraudulent or unauthorized access, You agree to immediately notify Novadesko. Continuity of the Application and Services Novadesko uses all reasonable means to ensure continuous access to the Application and Services. However, for reasons of maintenance, updates, security, emergencies, or in cases of suspected fraud, Novadesko may suspend access without notice or compensation. Even if Novadesko strives, when possible, to inform the User in advance, the absence of notification shall not entitle the User to any compensation. The User acknowledges that: the Application may experience slowdowns, interruptions or errors; the quality of the service depends on external factors (network, device, operator, etc.); Novadesko does not guarantee uninterrupted operation nor the complete absence of bugs. Security of Your Credentials Novadesko Credentials must be protected with the utmost care. The User agrees to comply with the following rules: choose a strong, unique and non-obvious password; never disclose their Credentials, even to someone close; never write them down or store them insecurely; enter their Credentials discreetly, out of sight from third parties; immediately update their Credentials in case of suspected compromise. Access to Your Banking Data When You connect a banking service through the Application, Novadesko only accesses the data for which You have given explicit consent. Novadesko: uses this data only for the purposes strictly necessary to operate the Services You have subscribed to; does not transmit any personal banking data to third parties, unless required contractually by the selected banking provider; ensures that confidential banking credentials remain inaccessible to any third party, except You and Your banking institution. Communications with the User All official communications concerning the Services (notifications, contractual changes, alerts, technical information, etc.) may be sent to You: at the email address provided during registration; directly through the Novadesko Application; or via the Novadesko website. Communications will be made in the language You selected when creating Your account. You may request at any time that a copy of these Terms and Conditions be provided to You on a durable medium (such as PDF). Fees Related to the Services For Services subject to payment or subscription, the following rules apply: Subscriptions or purchases made via third-party services (Google Play, Apple App Store…) are subject to the conditions of those providers. Invoices are sent electronically. Any billing error must be reported within 90 days. After this deadline, no correction can be requested. Non-payment may result in account suspension, additional fees or contract termination. Costs incurred for payment recovery remain the User’s responsibility. The User may terminate their contract at any time. Unless otherwise provided by law, subscriptions already paid are non-refundable. Trial Period Some Services may include a free trial period. At the end of this period: if You have not expressly indicated that You wish to cancel; access automatically switches to the free plan or to the corresponding paid plan, as specified in the Application. Novadesko is authorised to collect the amount corresponding to the selected plan. You may cancel the subscription at any time from Your user space. Your Obligations When Using the Novadesko Application and Services Proper Use of the Services You must use the Novadesko Application and the Services exclusively within the intended scope and for lawful activities. Any use intended to organise, facilitate or manage illegal projects may result in Novadesko taking any necessary legal action to remedy the damage suffered. You agree to notify Novadesko without delay as soon as You suspect that Your Credentials have been compromised, disclosed to a third party or used without authorisation. Usage Restrictions You are strictly prohibited from: using the Services or Information in a way that violates the intellectual property rights of Novadesko or third parties; copying, reproducing or distributing the Information for purposes other than Your personal use within the Application; commercialising, selling or transferring, even partially, the Services or content provided through the Application; modifying, altering or attempting to alter the Services, their features or their content. Any unauthorised use of the Services or Information, or any violation of these Terms or the law, engages Your liability and obliges You to compensate Novadesko for any direct or indirect damage suffered. Technical Requirements The Services rely on various technologies, including JavaScript, and require recent hardware, properly configured and free of viruses or malware. The User acknowledges that the compatibility of their equipment is essential for the proper functioning of the Services. Security The Services include an automated data processing system. Any attempt at fraudulent access, intrusion, deletion, alteration or illicit insertion of data is strictly prohibited and exposes the perpetrator to civil and criminal sanctions. Novadesko implements security measures that comply with market standards and are proportionate to the sensitivity of the data processed. However, given the inherent limitations of the Internet, Novadesko cannot guarantee absolute protection against all forms of attacks or intrusions. If a breach is detected on Your account: Novadesko will inform You as soon as possible by email or any appropriate means; Your Credentials will be immediately revoked; You will be invited to generate new Credentials through a secure procedure; Novadesko will monitor the situation until the incident is fully resolved. You must also take all reasonable precautions to secure Your own devices, data and software, including: avoiding the use of public or unsecured devices (risk of keyloggers); using encryption solutions when relevant; regularly backing up Your data; keeping antivirus software and systems up to date; avoiding the installation of untrusted applications. You are solely responsible for protecting Your equipment and data. You agree to indemnify Novadesko against any third-party claims related to unauthorised access resulting from Your negligence. Intellectual Property All elements contained in the Novadesko Application and on the Website (texts, images, logos, graphics, interfaces, sounds, videos, software, databases, etc.) are protected by applicable intellectual property laws. These contents belong to Novadesko or to third parties who have authorised their use. It is prohibited to: reproduce, display, transmit or exploit these contents without authorisation; remove or hide legal notices, copyrights or ownership indications on documents generated through the Services; use the Application or Services in a way that infringes the rights of Novadesko or any other rights holder. Novadesko reserves the right to initiate any legal action (injunctions, seizures, damages…) in case of violation of its rights. Usage Licence Subject to compliance with these Terms and, where applicable, payment of the corresponding subscriptions, Novadesko grants You a personal, non-exclusive, non-transferable and non-sublicensable licence to install, display and use the Application on Your devices. This licence: is limited to Your professional needs within the scope of the Services; may not be lent, sold, transferred or sublicensed to a third party; automatically terminates when You uninstall the Application or when Your subscription expires. In case of non-payment of a subscription or violation of these Terms, Novadesko may immediately suspend or revoke the licence. Personal Data Your personal data is processed in accordance with Novadesko’s Privacy Policy, accessible from the Application and the website www.novadesko.com. This policy details: the data collected; the reasons for collecting it; how it is used; the protection measures implemented; Your rights and how to exercise them. Before using the Application or Services, You are invited to read the Privacy Policy carefully. Liability and Warranty Exclusions Scope of Liability The commitments of Novadesko SRL under these Terms and Conditions are strictly limited to those stated herein. Novadesko cannot be held liable for any loss or damage : direct or indirect : including in particular costs, claims, expenses, fees, professional harm, business losses or any expense of any kind whatsoever, resulting notably from: a malfunction, failure, defect or incompatibility of Your device (computer, smartphone, tablet…); a failure from Your Internet service provider or telecom operator; a problem related to third-party software or hardware over which Novadesko has no control; any external event beyond Novadesko’s control (Force Majeure), such as: natural disasters, fire, flood; war, riots, acts of terrorism; inevitable cyberattacks despite reasonable measures; unforeseeable decisions by authorities; strikes, widespread outages, technical crises; bankruptcy or failure of a third-party provider; Your failure to comply with security obligations or instructions provided in these Terms; acts or omissions of third parties (fraud, negligence, illegality, intrusion…); viruses, malware, bugs, data corruption or anomalies affecting the Application or Your equipment; calculation errors or results generated by an automated system or an artificial intelligence module. Even if informed of the risk of damage, Novadesko cannot be held liable for: any loss of data (regardless of the cause); financial losses, loss of profits, loss of clients, business interruption; damage to Your reputation or loss of opportunities; claims from third parties; expected savings not achieved; any indirect, consequential or non-material damage. Novadesko assumes no responsibility for the content You upload, scan or import into the Application, nor for the results generated based on such content. Maximum Liability To the extent permitted by law, the total liability of Novadesko towards the User is strictly limited to a maximum amount of €5,000, covering all damages and claims combined. This limitation applies regardless of the legal basis invoked (contractual, tort, negligence, etc.). Warranty Exclusions Although Novadesko makes every effort to provide reliable information and documents, no guarantee is given regarding: the accuracy, completeness or timeliness of the information in the Application; the absence of errors in calculations, estimates, results or automatically generated suggestions; the continuous or uninterrupted functioning of the Services; the total absence of bugs, defects, anomalies or interruptions; the automatic correction of potential errors; the compatibility of the Application with all devices or environments. The Application and its Services are provided “as is” and “as available”, without any explicit or implied warranty, including regarding quality, accuracy, performance, availability or suitability for a particular need. No advice or information communicated by Novadesko shall be interpreted as an implicit warranty not provided for in these Terms. Novadesko cannot be held liable for the content You enter Yourself in the Application (documents, photos, receipts, accounting data, etc.). In the event of an interruption or failure of the Service, Novadesko will make every effort to restore the situation within a reasonable timeframe, without guaranteeing any specific delay. Term of the Contract and Termination This Contract is concluded for an indefinite period. Termination by the User You may close Your account and stop using the Services at any time, with immediate effect. Except where required by law, subscriptions already paid are not refundable, and You remain liable for amounts due for Services already provided. Termination by Novadesko Novadesko may terminate the Contract or any Service, without any obligation to compensate, with one month’s notice. Novadesko may also immediately suspend access or terminate the Contract without notice: in case of violation of these Terms and Conditions; in case of reasonable suspicion of fraud, abuse or misuse of the Application; in case of harm to the relationship of trust or the proper functioning of the platform; in case of risk to the security or integrity of the system; in the presence of major technical difficulties. Upon termination, all granted licences automatically end. Clauses which by their nature survive termination (liability, intellectual property, etc.) remain fully applicable. External Links and Use of the Novadesko Name Any creation of a link to the Novadesko website must comply with the following rules: the Novadesko logo or brand may only be used with prior written authorisation; links must not in any way suggest that Novadesko endorses, recommends or validates any third-party product or service; no misleading or false information may be associated with the site; no link may originate from a site that is unlawful, infringes others’ rights or distributes shocking, defamatory or harmful content. Novadesko reserves the right to demand the immediate removal of any non-compliant link and to take any necessary action in case of non-compliance. General Provisions, Applicable Law and Jurisdiction Novadesko may modify the Services or these Terms at any time. In the event of a significant change affecting Your rights, Novadesko will inform You in advance. If You refuse these modifications, You may close Your account without fees. These Terms and Conditions are governed by Belgian law. Any dispute shall fall under the exclusive jurisdiction of the courts of Mons. If any provision of these Terms is deemed null or unenforceable, the remaining provisions shall continue to apply in full. Transparency of AI features (Regulation (EU) 2024/1689, AI Act) When You use an AI Module (document recognition, NovaAI assistant, text or document generation), You are informed that You are interacting with an artificial intelligence and that the content produced is AI-generated. These results are an aid, not accounting, tax or legal advice: You check and validate them before any use. No decision producing legal effects on You is taken in a fully automated way. AI requests are processed by Third-Party Providers (Anthropic, OpenAI) under the conditions of the Privacy Policy; Your data is not used to train their models. AI Modules are optional and can be disabled on simple request to support. Messaging and user-generated content Messaging (Messenger) lets Users communicate with each other and with their customers, suppliers, accountant and Novadesko support. Novadesko applies zero tolerance for abusive content: insulting, hateful, discriminatory, threatening or sexual content, harassment, spam, impersonation and any unlawful content are strictly prohibited. - Every User can report a message or another User from within the app (long press on a message or the conversation menu) and block a User: the blocked User can no longer write to them and the conversation is hidden. A block can be lifted at any time in Settings > Blocked users. - Novadesko reviews every report within 24 hours and may remove the content concerned, warn its author or suspend their access. - An automatic filter prevents messages containing obviously abusive terms from being sent. - Offenders are excluded: temporary or permanent suspension of Messaging access and, in the event of a serious or repeated breach, termination of the account, without prejudice to reporting to the competent authorities.