Terms of Service

By downloading, accessing, or using NorgardX, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the app. NorgardX is operated by LoveGPT Inc (“LoveGPT”, “NorgardX”, “we”, “us”), organized in Nevada, USA.

You must be at least 18 years old and able to form a binding contract to use NorgardX. If you use it on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

NorgardX lets you browse a ranked list of private, pre-IPO companies, keep a watchlist, read news, and view information such as valuations, funding history, price history, leadership, hiring, and open roles. It is free, shows no advertising, sells nothing, and processes no payments. The company information it displays is compiled from public and third-party sources, described in section 7.

This section is important. By using NorgardX you acknowledge each of the following:

• NorgardX is not a broker-dealer, investment adviser, exchange, alternative trading system, or funding portal, and is not registered as any of these with any regulator.
• Nothing in the app is an offer to sell, or a solicitation of an offer to buy, any security or other financial instrument.
• Nothing in the app is investment, legal, tax, or financial advice, or a recommendation or endorsement of any company, security, or investment. We are not your fiduciary.
• No transaction is executed, facilitated, brokered, or custodied through the app. Any “Buy” or “Sell” controls are placeholders for a feature that is not live; using them does not place an order, create a reservation, or move any funds.

The in-app interest form lets you tell us you would like to learn more about potential exposure to a company. It is not a transaction. When you submit it:

• You receive no entitlement, allocation, reservation, or right to invest, and neither you nor we take on any obligation to proceed.
• We may follow up, or decline to follow up, for any reason or no reason. Any follow-up happens outside the app, and may include contacting you by phone or email using the details you provide. By submitting the form, you consent to that contact.
• Any accreditation status you indicate is self-certified by you and not verified by us. If any actual offering later relies on your accredited status, it will be verified separately, outside the app.
• You are responsible for the accuracy of the information you submit.

Interests in private, pre-IPO companies are speculative, illiquid, and high-risk. You should understand, at minimum, that:

• You could lose your entire investment. There is a real risk of total loss.
• These interests are illiquid. It may be difficult or impossible to sell them, and you may have to hold them indefinitely.
• Information about private companies is limited and may be unreliable. Valuations and prices shown in the app are estimates by nature, may be stale, and are not prices at which anyone can transact.
• Past valuations or price trends do not indicate future results.

An account is optional; most of NorgardX works without one. If you sign in, you may do so with Sign in with Apple or Google Sign-In. You are responsible for maintaining the security of your device and account. You can delete your account from within the app; deletion is handled as described in our Privacy Policy. We may suspend or terminate your access if you breach these Terms or to protect the security or integrity of the service.

Company information in NorgardX is compiled from public and third-party sources and refreshed on a schedule. It may be inaccurate, incomplete, or out of date. Valuations and prices are indicative and historical, not live quotes. We do not warrant the accuracy, completeness, or timeliness of any information in the app, and you should not rely on it as the sole basis for any decision.

The Ask feature sends your question, and context about the company you are viewing, to a third-party model provider that generates a response. AI output may be inaccurate, incomplete, biased, or out of date; it is not advice; and you must independently verify anything you act on. Do not enter confidential or personal information into Ask (see our Privacy Policy). We make no warranty as to AI-generated output.

Some surfaces in the app — for example, generated discussion threads and static sentiment figures on company pages — are illustrative. They do not represent real users, real people, or live activity, and you should not treat them as opinions, endorsements, or a reflection of market sentiment.

The app and its design, rankings, and the selection, arrangement, and compilation of the data it presents are owned by us or our licensors and are protected by intellectual-property laws. We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the app for your own personal, non-commercial purposes in accordance with these Terms.

Company names and logos are shown for identification only and imply no affiliation with, sponsorship by, or endorsement from the companies covered. News, posts, imagery, and other third-party content remain the property of their respective owners.

You agree not to:

• scrape, crawl, harvest, or use any automated means to access or extract data from the app;
• bulk-extract, resell, redistribute, or otherwise commercially exploit the data or content;
• reverse engineer, decompile, or attempt to derive the source of the app, except where the law forbids that restriction;
• circumvent or attempt to circumvent any security measure or access control;
• interfere with or disrupt the service, or use it to violate securities laws or any other applicable law, or to infringe anyone’s rights.

The app links to and embeds third-party content and relies on third-party services (including sign-in, push delivery, map tiles, image hosts, and the AI provider). We do not control these and are not responsible for their content, availability, or practices. Your use of them may be governed by their own terms.

If you allow notifications, we may send them to you. You can turn them off at any time in your device settings.

We may modify, suspend, or discontinue any part of NorgardX at any time, including through over-the-air updates delivered outside the app-store review cycle. We may also update these Terms; when we make material changes we will update the date above and, where appropriate, notify you in the app. Your continued use after an update means you accept the revised Terms.

The service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the service will be uninterrupted, error-free, or secure. Some jurisdictions do not allow certain warranty exclusions, so some of these may not apply to you.

To the maximum extent permitted by law, LoveGPT and its affiliates, officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or investment losses, arising out of or relating to your use of NorgardX or any decision made in connection with it. Our total aggregate liability for any claim relating to the service will not exceed the greater of the amount you paid us in the twelve months before the claim (which, for a free app, will typically be zero) or USD $100. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You agree to indemnify and hold harmless LoveGPT and its affiliates from any claims, damages, and expenses (including reasonable legal fees) arising out of your use of the app, the information you submit, your breach of these Terms, or your violation of any law or third-party right.

These Terms are governed by the laws of the State of Nevada, without regard to its conflict-of-laws rules. You and we agree to submit to the exclusive jurisdiction of the state and federal courts located in Nevada for any dispute arising out of or relating to these Terms or the app, and waive any objection to venue in those courts.

These terms apply if you obtained NorgardX from Apple’s App Store:

• These Terms are between you and LoveGPT only, not Apple. Apple is not responsible for the app or its content.
• Your license to use the app is limited to use on Apple-branded devices you own or control, as permitted by the App Store Usage Rules.
• LoveGPT, not Apple, is solely responsible for the app and for any maintenance and support. Apple has no obligation to provide support.
• To the extent any warranty is not effectively disclaimed, Apple may refund the purchase price (if any); beyond that, Apple has no warranty obligation for the app.
• Apple is not responsible for addressing any claims relating to the app, including product-liability, regulatory, or intellectual-property claims.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
• You represent that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government prohibited-party list.

If you obtained NorgardX from Google Play, your use is also subject to the Google Play Terms of Service. To the extent those terms conflict with these Terms as to the app itself, these Terms govern the app.

These Terms and the Privacy Policy are the entire agreement between you and us regarding the app. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. Except for Apple as stated in section 19, there are no third-party beneficiaries.

Questions about these Terms: support@norgardx.com or norgardx.com/support.