On this page
Who provides Noma
Noma is built and operated by Dmitry Khorev, an independent developer based in Spain.
On Google Play, Noma's developer is shown as Noma App.
Address, tax number, email and phone: see Complaints and contact.
What these terms cover
These terms are between you and Dmitry Khorev. They cover couple sync and the getnoma.pro websites, including the backup page at web.getnoma.pro.
For the app itself, your licence to install and use it comes from the store you got it from: Apple's standard licence (the Licensed Application End User License Agreement) on the App Store, or Google Play's terms. These terms add to the store's terms and never replace them. If they conflict about your licence to install and use the app, the store's terms apply. For couple sync and the getnoma.pro websites, these terms apply.
In these terms, "sync account" means the anonymous account that couple sync creates. It is not a money account inside your budget.
These terms refer by name to three other pages: the Privacy Policy, which explains what data Noma handles; the Disclaimer, which explains that Noma isn't financial advice; and Delete your Noma account, which explains how deletion works.
What Noma does
Noma is a budgeting app. You enter your spending, income and savings by hand, in the currencies you use, and Noma adds them up in yours.
Your budget is stored on your phone. There's no sign-up, and Noma doesn't connect to your bank.
Noma works offline. It goes online to refresh exchange rates, to check for app updates when it starts, and for couple sync if you set it up.
Exchange rates are daily reference rates from Frankfurter and ExchangeRate-API and may differ from your bank's rate.
Health figures and projections are estimates based on your own numbers. They are not financial, investment, tax, accounting or legal advice. See the Disclaimer.
Noma runs on the iPhone and Android versions listed on its App Store and Google Play pages. Availability varies by country.
Couple sync
Couple sync is optional. It puts one budget on two phones: yours and your partner's.
When you create or join an invite, Noma creates an anonymous sync account: a random id, with no name, email, phone number or password. The account exists from that moment, even if your partner never joins.
Noma's sync server in the Netherlands keeps one end-to-end encrypted copy of the shared budget for each couple. Only your two phones hold the key, so we can't read it. Noma uploads the copy as soon as you create an invite.
You let us store that encrypted copy and its encrypted nightly backups, kept for 30 days, and pass the copy between your two phones, only to run couple sync. Your budget stays yours.
- Your partner can see and edit everything in the shared budget.
- A group you mark private stops syncing. Anything you add to it afterwards stays on your phone. Anything that had already synced stays in the shared copy.
- Joining replaces the joining phone's budget, so Noma backs it up first.
- The deletion code on the Sync screen is how you show a sync account is yours. Keep it to yourself: anyone who has it can use it to ask for the account's deletion at getnoma.pro/delete.
- We can't recover a lost sync account. If you lose your phone, your partner removes it from the couple and sends you a new invite.
Couple sync can be slow or unavailable at times, for example during maintenance or an outage. Noma keeps working on your phone meanwhile.
How you agree
If you use Noma only on your phone, the store licence is your agreement for the app. This page still tells you who provides Noma and how to reach us.
For couple sync, the agreement starts when you create or join an invite: Settings → Couple Sync → Pair with your partner, then Invite partner or Join with a link. Pairing completes when you type, on the inviting phone, the six digits shown on the joining phone.
If you make a mistake, you can fix it. If the six digits don't match, nothing is paired and the invite is cancelled; send a new link to try again. You can cancel an invite at any time before pairing completes. If you set up a sync account by mistake, you can delete it at once from the Sync screen.
These terms are in English and in Spanish. Both versions say the same. If they ever differ, the Spanish version applies if you live in Spain, and the English version applies everywhere else.
We don't keep a personal copy of your agreement. Save or print this page to keep your own.
Noma is not directed at children under 13 (or under 16 in the EU). See Children in the Privacy Policy.
Your data and backups
Your budget is yours, and it lives on your phone. We have never had a copy we can read, so we can't recover or restore it, and we can't delete the budget on your phone for you.
Keep your own backup file in Settings › My Data. If you clear app storage or uninstall without one, your budget is removed from the phone and we can't get it back.
Couple sync isn't a backup. If both phones are lost, so is the shared budget. Our nightly backups are encrypted with the key only your phones hold, so we can't restore your budget from them.
The Privacy Policy describes what Noma stores and sends.
Acceptable use
- Use couple sync for your own budget with your partner.
- Don't use couple sync to store or share anything illegal, or to harass or threaten anyone.
- Don't overload, attack or probe the sync server, and don't try to reach other couples' data.
The sync server automatically limits how many accounts, joins and deletion requests one internet address can make in an hour.
We can't read shared budgets, so we don't scan or moderate what's in them, automatically or by hand. We act on what's stored only after a specific report (see Report illegal content) or an order from an authority. A person reviews each one.
If the law requires it, or if a sync account breaks these terms, we may close that account. We do this at once when the ground is serious: illegal content, abuse of the service, or a threat to its security. If the law requires it, or to remove illegal content found after a report, we may also delete the couple's encrypted copy. Each phone keeps its own budget.
Your sync account has no email or phone number, so we can tell you why, and how to challenge the decision, only if you have written to us. To challenge a decision, email me@dkhorev.pro.
Report illegal content
Email me@dkhorev.pro with "Illegal content report" in the subject. In your report:
- Tell us why you think the content is illegal.
- Tell us how we can find it. Shared budgets have no public links, so if you're in the couple, include the deletion code from your Sync screen. We use it only to find the account, never to delete it unless you ask.
- Give your name and email. You don't need to if you're reporting child sexual abuse.
- Say that you believe your report is accurate and complete.
We confirm that we received your report. A person reviews it promptly and fairly, and we tell you our decision and how to challenge it.
Because budgets are end-to-end encrypted, we can act only on whole sync accounts or on a couple's encrypted copy, not on single entries.
Ending the agreement
Couple sync is open-ended. It runs until you delete your sync account, it is deleted for inactivity, we close it under these terms, or we stop running couple sync.
You can stop using Noma at any time. Uninstalling deletes your budget from the phone, so save a backup first.
You can delete your sync account any time from Settings → Couple Sync → Sync → Delete account. Your account id, your place in the couple and your deletion code are removed at once.
No phone handy? Use the deletion code shown on that screen at getnoma.pro/delete. The account is deleted 7 days later unless you cancel in the app first.
Deleting your sync account ends the couple sync agreement. Your partner keeps the shared budget, including what you entered. Our encrypted nightly backups expire after 30 days. See "What is deleted, and what is kept" at getnoma.pro/delete.
An account whose phone hasn't synced for about six months is deleted automatically, because an unused account serves no purpose and holds data we don't need. That ends the couple sync agreement for that account.
We may close a sync account at once on the serious grounds listed under Acceptable use.
If we ever stop running couple sync, we'll announce it on getnoma.pro and in an app update at least 30 days before. Your budget stays on your phone.
Changes to Noma and these terms
We update Noma to fix problems, keep it secure, follow the law and regulators' guidance, and add or change features.
We change these terms only for those reasons. The date at the top shows the current version. When these terms change, we list earlier versions at the end of this page.
Before a significant change to couple sync or to these terms applies, we'll tell you in an app update and on getnoma.pro. If you don't agree, you can stop using couple sync and delete your sync account. The rest of Noma keeps working on your phone.
This is the first version of these terms.
What we promise, and your rights
We build and run Noma with reasonable care and skill.
We can't promise that couple sync is always available, or that exchange rates match your bank's. We can't read, check or restore your budget, so keep your own backups.
Nothing in these terms limits the rights consumer law gives you where you live, or our liability to you under that law.
Law and courts
If you're a consumer living in the European Economic Area (the EU, Iceland, Liechtenstein and Norway), the UK or Switzerland, the law of the country where you live applies to these terms. Otherwise, Spanish law applies. Wherever you live, you also keep any protection that the consumer law of your country gives you and that a contract can't take away.
You can bring a claim in the courts where you live or in Spain. We can bring a claim against you only in the courts where you live.
Complaints and contact
Questions or complaints: email me@dkhorev.pro, or write to or call us at the address and phone below. A person reads and answers every message, usually within 48 hours and within 15 days at most. We confirm that we received your complaint and give it a reference number you can quote.
- Address: Avinguda d'Icària 195, 08005 Barcelona, Spain
- Tax number (NIF): Z2751253K
- Email: me@dkhorev.pro
- Phone: +34 637 013 997
You can also contact the consumer authority where you live.
- Point of contact for users under the EU Digital Services Act: me@dkhorev.pro, answered by a person.
- Point of contact for EU authorities under the Digital Services Act (Article 11): me@dkhorev.pro, in English or Spanish.