Terms & Conditions

Last updated April 16, 2026 — Mobile Application

1. Introduction

These Terms & Conditions (“Terms”) govern your use of the Pulsar Money mobile application for iOS and Android (the “App”) operated by Pulsar Money SRL, a company registered in Sibiu, Romania (“Pulsar Money”, “we”, “us”). By downloading, installing, or using the App you agree to be bound by these Terms. If you do not agree, do not use the App.

Use of our website and other services operated by Pulsar Money may be subject to separate terms published at pulsar.money/terms-conditions. In the event of a conflict between those terms and these Terms, these Terms apply to your use of the App.

2. Eligibility

As a condition of using the App you represent and warrant that:

1. You are at least 18 years old.
2. You have the legal capacity to enter into these Terms.
3. You are not located in, and are not a resident, national, or agent of, any country or region subject to comprehensive economic sanctions by the United States, the European Union, or the United Nations (including, without limitation, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine).
4. You are not a person listed on any sanctions list maintained by any governmental authority with jurisdiction over you.
5. You will not use a VPN or other means to circumvent geographic restrictions that apply to the App.

3. Your Account

To use the App you must create an account by signing in with your email address, an Apple ID, or a Google account. You are responsible for keeping your sign-in credentials and the device on which the App is installed secure. You must notify us promptly at [email protected] if you suspect unauthorised access to your account.

You may close your account at any time from the Settings screen inside the App, or by emailing us at the address above.

4. Acceptable Use

When using the App you agree not to:

• Violate any applicable law or regulation;
• Impersonate another person, provide false information, or use the App on behalf of someone else without authority;
• Attempt to gain unauthorised access to the App, our backend, other users' accounts, or any system or network connected to the App;
• Interfere with, disrupt, or place excessive load on the App or our servers, including through automated means (bots, scrapers, scripts);
• Reverse-engineer, decompile, or disassemble the App except to the extent that applicable law expressly permits;
• Upload, submit, or transmit any content that is unlawful, defamatory, infringing, harassing, or harmful, or that contains malware;
• Abuse the referral program, including by creating fake or duplicate accounts, self-referring, or otherwise attempting to earn referral rewards through inauthentic activity.

We may suspend or terminate your access to the App, and may forfeit any unearned or disputed referral rewards, if we reasonably believe you have breached these Terms.

5. Your Content

If you upload a custom profile picture or otherwise submit any content to the App, you grant Pulsar Money a worldwide, non-exclusive, royalty-free licence to host, store, display, and transmit that content solely for the purpose of operating the App and providing the service to you. You represent and warrant that you own or have the rights to the content you submit and that it does not infringe any third party's rights.

6. No In-App Purchases; No Financial Advice

The App does not currently offer in-app purchases, subscriptions, or paid features. If in the future we add paid features, they will be disclosed clearly before you are asked to pay, and will be transacted through the applicable platform billing system (Apple In-App Purchase or Google Play Billing) in accordance with the rules of that platform.

The App does not provide investment, tax, legal, or other professional advice. Any information shown in the App is for general informational purposes only.

7. Intellectual Property

The App, including its software, design, logos, and other content we provide, is owned by Pulsar Money or our licensors and is protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to install and use the App on a device you own or control, for your personal, non-commercial use. All rights not expressly granted are reserved.

8. Third-Party Services

The App uses third-party services such as Sign in with Apple, Google Sign-In, and OneSignal for push notifications. Your use of those services is governed by their own terms and privacy policies. We are not responsible for the availability, content, or practices of third-party services, except to the extent required by applicable law.

9. Disclaimers

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT DISPLAYED IN THE APP IS ACCURATE OR RELIABLE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PULSAR MONEY AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE APP, WHETHER BASED ON CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE APP WILL NOT EXCEED ONE HUNDRED EUROS (€100). NOTHING IN THESE TERMS LIMITS OR EXCLUDES LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

11. Indemnification

You agree to defend, indemnify, and hold harmless Pulsar Money and its affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to (i) your use of the App, (ii) your breach of these Terms, or (iii) your violation of any applicable law or the rights of a third party.

12. Apple App Store — Additional Terms

The following additional terms apply if you downloaded the App from the Apple App Store. They are required by Apple and prevail over any conflicting term in these Terms as to Apple.

• These Terms are concluded between you and Pulsar Money only, and not with Apple Inc. (“Apple”). Pulsar Money, not Apple, is solely responsible for the App and its content.
• The licence granted in Section 7 is limited to use on any Apple-branded device that you own or control, as permitted by the Apple Media Services Terms and Conditions.
• Apple has no obligation whatsoever to provide any maintenance or support services with respect to the App.
• In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App; to the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the App.
• Any claims that the App or your possession and use of the App infringe a third party's intellectual property rights are the sole responsibility of Pulsar Money, not Apple.
• You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must comply with all applicable third-party terms of agreement when using the App (for example, your wireless data plan).
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

13. Google Play — Additional Terms

If you downloaded the App from Google Play, you acknowledge that Google is not a party to these Terms and is not responsible for the App. Your use of the App must also comply with the Google Play Terms of Service available at play.google.com/about/play-terms.

14. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of Romania, without regard to its conflict-of-laws rules. To the maximum extent permitted by applicable law, the courts of Sibiu, Romania will have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the App. Nothing in this section limits any mandatory consumer-protection rights you may have in the country of your habitual residence.

Before initiating formal proceedings, please contact us at [email protected] — we will try to resolve the issue informally.

15. Changes to These Terms

We may update these Terms from time to time. When we make material changes we will post the updated version in the App and at this URL, and update the “Last updated” date above. Your continued use of the App after the update becomes effective constitutes acceptance of the revised Terms.

16. Miscellaneous

Severability. If any provision of these Terms is held to be unenforceable, the remaining provisions will continue in full force and effect.

No waiver. Our failure to enforce any provision is not a waiver of that provision.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.

Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Pulsar Money regarding the App.

17. Contact