Last updated: June 17, 2025

Please read these Terms and Conditions ("Terms", "Agreement") carefully before downloading, installing, or using the Nestor mobile application ("App", "Service"). These Terms constitute a legally binding agreement between you ("User", "you", "your") and FRONTIERE BLEUE LTD ("Company", "we", "us", "our").

By downloading, installing, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not download, install, access, or use the App.

1. Acceptance and Modifications

1.1 Agreement Formation

These Terms form a binding contract between you and us when you first access or use the App. Your continued use of the App constitutes ongoing acceptance of these Terms.

1.2 Updates to Terms

We may modify these Terms at any time to reflect changes in law, our business practices, or App functionality. Material changes will be notified through:

In-app notifications
Email notifications (if you've provided an email address)
Updated "Last updated" date at the top of these Terms

Continued use of the App after notification constitutes acceptance of the modified Terms. If you do not agree to modifications, you must discontinue use of the App.

1.3 Additional Terms

Certain features may be subject to additional terms, which will be presented to you when accessing those features.

2. Eligibility and Registration

2.1 Age and Residency Requirements

To use this App, you must:

Be at least 18 years of age
Be a UK resident
Have the legal capacity to enter into binding contracts under UK law
Not be prohibited from using the App under applicable law

2.2 Trading212 Account Requirement

To access the core functionality of the App, including CSV import and portfolio tracking features, you must:

Hold a valid and active Trading212 account
Be able to export your trading history from Trading212 in CSV format
Comply with Trading212's terms and conditions
Acknowledge that we are not affiliated with Trading212 and any issues with Trading212 services must be resolved directly with Trading212

2.3 Account Registration

If you create an account, you agree to:

Provide accurate, current, and complete information
Maintain and update your information as necessary
Keep your login credentials secure and confidential
Be responsible for all activities under your account
Notify us immediately of any unauthorized access or security breach
Not share your account with others or allow others to use your credentials

2.4 Pre-Launch and Special Pricing

During our pre-launch period, we may offer special pricing to a limited number of early access members. Such special pricing:

Is offered at our sole discretion
May have specific eligibility requirements
Is subject to separate terms that will be clearly communicated
Does not guarantee future pricing or feature access

2.5 Account Termination

We may suspend or terminate your account if you violate these Terms or engage in prohibited conduct.

3. License Grant and Restrictions

3.1 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Download and install the App on your personal mobile device
Use the App for personal, non-commercial purposes only
Access and use the App's features and functionality

3.2 License Restrictions

You may not:

Copy, modify, adapt, translate, or create derivative works of the App
Reverse engineer, decompile, disassemble, or attempt to derive source code
Distribute, sublicense, lease, rent, loan, or sell the App
Remove, alter, or obscure any proprietary notices or labels
Use the App for any commercial purpose without written consent
Access or use the App to build competing products or services
Use automated means (bots, scrapers, etc.) to access the App
Attempt to gain unauthorized access to our systems or networks
Violate any applicable laws or regulations while using the App
Interfere with or disrupt the App's functionality or security
Upload or transmit viruses, malware, or harmful code

3.3 Reservation of Rights

All rights not expressly granted are reserved by us. The App and its content are protected by UK and international intellectual property laws.

4. Financial Information and Disclaimers

4.1 Regulatory Status

IMPORTANT: We are not authorized or regulated by the UK Financial Conduct Authority ("FCA"). The App does not constitute a regulated financial promotion under the Financial Services and Markets Act 2000 ("FSMA").

4.2 No Financial Advice

All information provided is for general informational and educational purposes only
Nothing in the App constitutes financial, investment, tax, or legal advice
We do not provide personal recommendations regarding any investment decisions
Information should not be relied upon as the sole basis for any financial decision
You should always seek independent advice from an FCA-authorized financial adviser before making investment decisions

4.3 Data Sources and Accuracy

Dividend and financial data are sourced from third-party providers
Data may be delayed, incomplete, inaccurate, or subject to change without notice
We do not warrant the accuracy, completeness, or timeliness of any data
Real-time data is not provided - all information should be verified independently
Historical performance does not guarantee future results
Companies may suspend, reduce, or eliminate dividend payments at any time

4.4 Dividend Forecasting Disclaimer

Dividend forecasting features are estimates only and should not be relied upon for financial planning
Forecasts are based on historical data and publicly available information, which may be incomplete or inaccurate
Actual dividend payments may differ significantly from forecasts due to company performance, economic conditions, or management decisions
We make no guarantee that forecasted dividends will be paid as predicted
You should not make investment decisions based solely on our dividend forecasts

4.5 Tax Calculation Disclaimer

Tax calculations for Stamp Duty, Withholding Tax, and FX Fees are for educational purposes only
These calculations are not intended to serve as official tax reports or replace professional tax advice
Tax calculations may be incomplete, inaccurate, or not reflect your specific circumstances
You should consult a qualified tax adviser for official tax reporting and advice
We are not responsible for any tax liabilities or penalties resulting from reliance on our calculations
Always verify tax calculations independently before using them for any official purpose

4.6 Investment Risk Warnings

By using this App, you acknowledge that:

The value of investments can go down as well as up - you may receive back less than originally invested
Past performance is not indicative of future results
Dividend income may be affected by company performance, market volatility, economic conditions, and currency fluctuations
Investing involves risk - you could lose some or all of your invested capital
Diversification does not guarantee against loss

5. User Conduct and Prohibited Activities

5.1 Acceptable Use

You agree to use the App only for lawful purposes and in accordance with these Terms.

5.2 Prohibited Conduct

You must not:

Use the App for any unlawful purpose or in violation of applicable laws
Harass, abuse, or harm other users
Impersonate any person or entity
Upload or share inappropriate, offensive, or harmful content
Attempt to circumvent security measures
Engage in any activity that could damage, disable, or impair the App
Use the App to collect personal information about other users

6. Privacy and Data Protection

6.1 Privacy Policy

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of this Agreement.

6.2 Local Data Storage

Your historical transaction data from Trading212 CSV files is stored locally on your device only
This data never leaves your device and is not transmitted to our servers
You maintain complete control over your transaction data
Deleting the App will remove all locally stored transaction data

6.3 Future Data Collection

We may collect other types of data (such as analytics or general usage data) in the future to improve our services
Any such data collection will be clearly disclosed and require your consent
Future enhancements, including potential web access, may require additional data handling practices
We will update our Privacy Policy and notify you of any changes to our data practices

6.4 UK GDPR Compliance

We process personal data in accordance with:

UK General Data Protection Regulation (UK GDPR)
Data Protection Act 2018
Privacy and Electronic Communications Regulations (PECR)

6.5 Data Rights

You have rights regarding your personal data, including rights to access, rectify, erase, restrict processing, data portability, and object to processing. Contact us to exercise these rights.

7. Intellectual Property Rights

7.1 Our Intellectual Property

The App and all content, features, and functionality are owned by us and protected by UK and international intellectual property laws. This includes but is not limited to:

Software code and architecture
User interface and design elements
Trademarks, service marks, and logos
Text, graphics, and other content

7.2 User-Generated Content

If you submit content through the App, you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and distribute such content for App-related purposes.

7.3 Copyright Infringement

We respect intellectual property rights. If you believe content in the App infringes your copyright, please contact us with details of the alleged infringement.

8. Limitation of Liability and Disclaimers

8.1 Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW:

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind
We disclaim all warranties, whether express, implied, or statutory
We do not warrant that the App will be uninterrupted, error-free, or secure
We do not warrant the accuracy or reliability of any information provided

8.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

Any direct, indirect, incidental, special, consequential, or punitive damages
Loss of profits, data, business opportunities, or goodwill
Any damages arising from your use of or inability to use the App
Investment losses or financial decisions made based on App information
Damages resulting from third-party actions or data breaches
Tax liabilities or penalties arising from reliance on our tax calculations

8.3 Maximum Liability

Our total liability to you for all claims shall not exceed £100 or the amount you paid us for the App (whichever is greater).

8.4 Consumer Rights

Nothing in these Terms affects your statutory rights as a consumer under UK law, including rights under the Consumer Rights Act 2015.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your use of the App
Your violation of these Terms
Your violation of applicable laws
Your infringement of third-party rights

10. App Store Terms

10.1 Third-Party App Stores

Your download and use of the App may also be subject to the terms of the app store from which you downloaded the App (such as Google Play Store or Apple App Store).

10.2 App Store Requirements

You acknowledge that the app store provider is not responsible for the App or these Terms.

11. Termination

11.1 Termination by You

You may terminate this Agreement by uninstalling the App and discontinuing use.

11.2 Termination by Us

We may terminate or suspend your access immediately, with or without cause or notice, if you:

Violate these Terms
Engage in prohibited conduct
Fail to pay applicable fees (if any)
For any other reason at our sole discretion

11.3 Effect of Termination

Upon termination:

Your license to use the App ends immediately
You must uninstall the App and cease all use
Your locally stored data will remain on your device unless you delete it
Provisions regarding limitations of liability, indemnification, and dispute resolution survive termination

12. Force Majeure

We shall not be liable for any delay or failure to perform due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor strikes, or government actions.

13. Dispute Resolution and Governing Law

13.1 Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales.

13.2 Jurisdiction

Subject to Section 13.3, any disputes shall be subject to the exclusive jurisdiction of the English courts.

13.3 Consumer ADR

If you are a consumer, you may be entitled to use alternative dispute resolution procedures. Information about ADR is available from the European Commission's Online Dispute Resolution platform.

13.4 Limitation Period

Any claims must be brought within one year of the cause of action arising.

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.

14.2 Severability

If any provision is found unenforceable, the remainder of these Terms remains in full effect.

14.3 Waiver

Our failure to enforce any right or provision does not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign these Terms without our written consent. We may assign these Terms at any time.

14.5 Third-Party Rights

These Terms do not confer rights on any third parties except as expressly stated.

14.6 Survival

Provisions that by their nature should survive termination will survive, including intellectual property rights, disclaimers, and limitations of liability.

15. Contact Information

15.1 General Inquiries

For questions about these Terms or the App, contact us at:

Email: support@nestordividendtracker.co.uk
Address: 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ

15.2 Data Protection Inquiries

For data protection matters, contact our Data Protection Officer:

Email: dpo@frontierebleue.co.uk

15.3 Legal Notices

Legal notices should be sent to:

Email: legal@frontierebleue.co.uk

16. Regulatory Information

16.1 Company Details

FRONTIERE BLEUE LTD is registered in England and Wales under company number 16508951.

Registered office: 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ

Date of incorporation: 10 June 2025

16.2 Consumer Information

This App is intended for UK residents only. If you require financial advice, please consult an FCA-authorized financial adviser. You can find authorized advisers at www.fca.org.uk.

By continuing to use this App, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.