These Terms of Service ("Terms") govern your access to and use of Neouid, operated by Neouid ("Neouid," "we," "us," or "our"), a company based at Lipik bb, Bosanska Krupa, 77240, Bosnia & Herzegovina. By creating an account, accessing, or using Neouid (via our website, mobile applications, or API), you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use Neouid.
By registering for or using Neouid in any way, you confirm that you have read, understood, and agree to be legally bound by these Terms, as they may be updated from time to time. If you are using Neouid on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to both you and that organization.
You must be at least 16 years old to create an account or use Neouid. Neouid is a general-audience platform and is not directed at children. If we become aware that we have collected personal data from someone under this age threshold without appropriate consent, we will take steps to delete that data and close the associated account.
You must also have the legal capacity to enter into a binding contract in your jurisdiction, and you must not be barred from using Neouid under the laws of your country of residence or any other applicable jurisdiction.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not authorized by you. You must provide accurate information when registering and keep it up to date. We strongly encourage — and make available at no cost — two-factor authentication (2FA) on every account.
You must notify us promptly at [security@neouid.com] if you become aware of any unauthorized use of your account or any other security breach.
Neouid is a software platform that lets a user (a "Bank Owner") create a virtual "bank" with a custom, non-monetary currency, invite other users ("Members"), assign roles, distribute or transfer that currency within the bank, issue voucher/promo codes, and optionally list products in an in-bank shop. Neouid also provides a REST API, Discord and Slack bot integrations, and related account, security, and notification features.
Neouid provides the software and infrastructure only. Bank Owners are independently responsible for how they operate their own bank, including any content, products, rules, or real-world arrangements they choose to offer to their Members, subject always to Section 8 (Acceptable Use Policy).
Virtual currency on Neouid, regardless of the name, symbol, or amount a Bank Owner assigns to it:
Neouid operates a closed-loop system. We do not operate, endorse, recognize, or permit any secondary market, exchange, or third-party service for buying, selling, or trading virtual currency for real-world value, and doing so — including via any Neouid Bank — is a violation of these Terms and grounds for immediate suspension or termination under Section 12.
At their own discretion, a Bank Owner may choose to let Members redeem their bank's virtual currency for real physical goods, digital downloads, gift cards, or license keys through that Bank's own shop. If a Bank Owner enables this:
Neouid offers a permanent Free tier and paid Pro/Enterprise subscription tiers, billed on a recurring basis (monthly or annual, as selected) through our Merchant of Record, Paddle.com. Paddle acts as the reseller of our subscriptions and will appear as the merchant on your billing statement. By subscribing, you authorize recurring charges to your chosen payment method until you cancel.
You may cancel your subscription at any time from your Account Settings. Cancellation stops future renewal; it does not retroactively refund the current billing period unless required by applicable law. Your plan remains active with its paid features until the end of the period you already paid for, after which it reverts to the Free tier (subject to Free-tier limits, which may require you to bring your Bank(s) into compliance with those limits).
Paddle acts as an independent data controller for payment processing. Please review Paddle's Privacy Statement for details on how Paddle handles your payment data.
You may not use Neouid, and may not operate or permit a Bank to be used, to create, host, distribute, sell, promote, or facilitate any of the following:
We may, but are not obligated to, monitor Bank content. We rely in part on user reports — see the "Report this bank" feature available from any Bank, and our Help Center for how to report other violations.
You retain ownership of content you submit to Neouid (bank names, product listings, images, banners, digital product files, support messages, and similar). By submitting it, you grant Neouid a worldwide, non-exclusive, royalty-free license to host, store, display, reproduce, and distribute that content solely as necessary to operate and provide the Service. You represent that you have the necessary rights to submit that content and that it does not violate Section 8.
Neouid, its logo, and the underlying software, design, and functionality are owned by Neouid and protected by intellectual property laws. Except for the limited license to use the Service as intended, nothing in these Terms grants you any right, title, or interest in Neouid's intellectual property.
If you use our REST API, you must comply with our API documentation and the applicable rate limits for your plan. API keys are personal to your account and inherit exactly the permissions your account has. You are responsible for anything done through your API key.
Our Discord and Slack bot integrations, Google sign-in, and payment processing (Paddle) are provided by third parties subject to their own terms and privacy policies, which we encourage you to review.
We may suspend or terminate your account, or lock, archive, or remove a Bank, for any duration we determine appropriate, at our discretion, including — without limitation — for violating Section 8 (Acceptable Use Policy), for suspected fraud or abuse, for chargebacks or payment disputes, or for legal or regulatory reasons.
Where required by applicable law (including for users in the European Union), we will provide you with a statement of reasons for the action taken and information about any available means of redress, except where we are legally prohibited from doing so or where providing such notice would compromise an investigation or risk imminent harm.
You may delete your own account at any time from Account Settings. Certain data may be retained after deletion as described in our Privacy Policy and as required by law.
If you believe content on Neouid infringes your copyright, please send a notice to our designated agent at [dmca@neouid.com] including: (1) identification of the copyrighted work; (2) identification of the allegedly infringing material and its location; (3) your contact information; (4) a statement of good-faith belief that the use is unauthorized; (5) a statement, under penalty of perjury, that the information is accurate and that you are authorized to act; and (6) your physical or electronic signature.
If you believe content was removed in error, you may submit a counter-notice with a similar statement. We may terminate the accounts of repeat infringers.
Neouid 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, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.
To the fullest extent permitted by law, Neouid and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising from your use of the Service. Our total aggregate liability for any claim will not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) 100 EUR.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you, and nothing in this section limits liability that cannot be limited under applicable law (including, for consumers in the EU/EEA, mandatory statutory rights).
You agree to indemnify and hold harmless Neouid from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your use of the Service, your Bank's content or arrangements with Members, or your violation of these Terms or any law.
These Terms are governed by the laws of Bosnia and Herzegovina, without regard to conflict-of-law principles, except where mandatory consumer-protection laws of your country of residence provide otherwise. If you are a consumer resident in the European Union or European Economic Area, nothing in these Terms deprives you of the protections of the mandatory laws of your country of habitual residence, and you may bring proceedings in the courts of that country.
We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (such as an in-app notification or email) before they take effect. Continued use of Neouid after changes take effect constitutes acceptance of the updated Terms.
Questions about these Terms can be sent to [legal@neouid.com] or Neouid, Lipik bb, Bosanska Krupa, 77240, Bosnia & Herzegovina.