Clear terms.
A clearer product.

NIQORA Travel

Travel 1.0.0 is awaiting Apple review for a free UK iPhone launch. Its submitted trip planning, packing, budgets, Circle trip tools and optional private iCloud backup need no paid membership. Existing NIQORA+ members can use the same account; this release does not offer new purchases inside Travel.

Travel organises information you add. Check booking references, dates, time zones, document suggestions and provider information before relying on them. Trip Ready records your checklist progress; it does not verify travel eligibility or replace official travel documents. Reservations remain with your chosen provider. Budgets, expense records and splits do not move money, and maps or provider links may need internet access.

Circle sharing is optional. Review the selected itinerary and tasks before publishing, and share only information you have permission to use. A shared expense ledger is separate from your private budget. Use Circle’s report and block controls for harmful content. Manage private iCloud backup and restore inside Travel; check the latest completed backup before removing local information.

NIQORA SnowFlake

SnowFlake is awaiting Apple review for a free UK iPhone release and is not yet publicly available. The release version includes up to five people, fifteen saved gifts, one wishlist and one active hosted Secret Santa across on-device and Circle draws. Joining other Circle draws, Gift Finder, occasions, gifting tasks, basic reminders, iCloud backup and device app lock remain free. Eligible NIQORA+ membership removes these creation limits. Existing saved records remain accessible and editable if membership ends.

The UK NIQORA+ options are £9.99 per month and £79.99 per year paid upfront. The App Store purchase sheet shows the applicable price, billing period and renewal terms before purchase. Use the same NIQORA account and Restore purchases to recover eligible membership; contact support before buying again if access is missing. Cancellation and refunds are handled under the store's rules and your statutory rights.

Gift Finder suggestions and price ranges are planning ideas, not live merchant prices, availability or purchase guarantees. SnowFlake does not buy gifts or transfer money for you. Private Circle exchanges require at least three joined participants, and the organiser can draw once. Only share content you own or have permission to use. Do not post unlawful, abusive, misleading or sensitive content in shared wishes. Use the in-app report and block controls or contact NIQORA support.

You must be at least eighteen to use SnowFlake under the shared NIQORA account terms.

New members of the NIQORA family

NIQORA Vault and Snapd are awaiting Apple review for free UK-only iPhone launches, following approval and release. NIQORA Privacy 1.2.0 is awaiting Apple review; NIQORA Circle is awaiting Apple review. None has a public NIQORA download or a new paid NIQORA+ benefit announced here. Existing SNAPD and Black Bot users should keep their current app, account and subscription until migration guidance is available.

Vault’s submitted version includes documents, reminders and optional encrypted private iCloud backup without paid membership. Automatic backup runs only when enabled and while Vault is open and unlocked. Restore requires the same NIQORA account, iCloud access and recovery key; keep the key separately. Files exports remain separate copies. The submitted Snapd iPhone version includes screenshots, reminders and optional iCloud backup without a paid membership. Snapd reminders require you to review recognised details. NIQORA Snapd is a separate installation from original SNAPD; content does not transfer automatically. Keep your original app and preserve its data. Privacy results depend on available sources and cannot guarantee complete detection or removal of online information. See each product page for its current scope.

1. About these terms

These terms form an agreement between you and NSOLR Ltd, a private limited company registered in England and Wales under company number 15950192. Our registered office is 101 Alverthorpe Road, Wakefield, West Yorkshire, United Kingdom, WF2 9PQ. NIQORA, NIQORA Debt, NIQORA Bills, NIQORA Tap, NIQORA Collect, NIQORA SnowFlake and NIQORA+ are product names operated by NSOLR Ltd.

By creating an account or using the service, you agree to these terms. You must be at least 18 years old and legally able to enter into this agreement.

2. What Niqora Debt provides

Niqora Debt helps you record debts, payments and preferences, compare repayment approaches and view estimated payoff projections. It is an organisational and educational tool. It is not a bank, lender, credit-reference agency, insolvency practitioner or regulated financial or debt-advice service.

Results are estimates based on information you enter and assumptions within the app. They do not guarantee a payoff date, interest saving, lender action or financial outcome. Seek suitably qualified advice if you need recommendations for your individual circumstances.

NIQORA Bills helps organise recurring bills, payment dates, renewals and records you enter. It does not make payments or move money on your behalf. Bills is currently in testing.

NIQORA Tap is the family’s digital business-card app and is also in testing. It helps you create a contact card and share the details you choose by QR code or contact file. Public launch details, premium features and card limits will be confirmed before release.

NIQORA Privacy

Privacy is the upcoming NIQORA edition of Black Bot. Use live checks only for contact details you own and can verify. Results depend on the sources available at the time and can be incomplete or unavailable; the app does not guarantee complete detection, identity protection or removal of online information. Check that a public listing relates to you before acting. Removal tools prepare text for you to review and send to a recipient you choose. Tracking reflects your entries and does not independently confirm removal.

Version 1.2.0 is free to download and explore when released. Live verification and provider-backed scanning require an active membership and support up to five verified email addresses and five mobile numbers. Use an eligible existing membership or the subscription options shown in the app. The App Store displays the current price and renewal terms before purchase. The rebrand does not itself change existing subscriber prices, cancel a subscription or require a second purchase. Contact support if eligible access is missing.

Existing Black Bot users can recover their original account in the updated app and choose to connect a NIQORA account. This is a separate confirmation, not an automatic account merge. Preserve information you need and review the scope before copying, restoring or deleting records. Optional iCloud backup and its restore controls are separate from signing in. Original installations and accounts remain subject to their existing controls until updated.

NIQORA Collect

Collect helps you catalogue items, photos, quantities, wishlists and collection progress. It is awaiting Apple review and is not publicly available yet. Purchase prices and estimated values are entered by you; Collect does not provide live market valuations. Sharing creates a reviewed, read-only snapshot that recipients may keep or forward. Shared copies cannot be revoked or updated automatically. Ten catalogue entries, including wishlist items, are free in the current version; more than ten requires verified shared NIQORA+. Existing entries remain readable and editable if membership ends. Collect’s own purchase options are being prepared.

3. Your account and information

You must provide accurate account information, keep your sign-in details confidential and tell us promptly if you believe your account has been compromised. You are responsible for checking debt balances, interest rates, lender terms and payment instructions against authoritative records before acting on them.

iCloud backup

iCloud backup is included as standard across NIQORA apps on iPhone and does not require NIQORA+. It uses your own Apple Account and iCloud storage, subject to Apple’s service terms and the storage available to you. Automatic backup is optional in supported versions and saves changes while the app is open and unlocked. It is a saved copy for restoration, not continuous cross-device synchronisation. Manage backup and restore in each app and check its latest completed backup before removing records or changing phones. My NIQORA does not create backups or verify their status.

4. Free and paid features

NIQORA apps may provide free features and optional NIQORA+ subscription features. NIQORA+ is the shared membership for the NIQORA family, beginning with Debt and Bills and linked to one NIQORA account. Shared access is being tested with the upcoming app updates; Bills 1.0.0 is currently in TestFlight and is not publicly available in the app stores. Existing Debt memberships retain their current benefits. Future apps are on our roadmap and are not available subscription benefits today.

Only the features described as available at purchase are included. Current prices, billing periods, free-trial terms and renewal information will be shown in the app before purchase. Subscriptions are processed by the Apple App Store or Google Play where available and renew unless cancelled through the relevant store before the next billing date. Use the same NIQORA account and Restore purchases in the app to recover eligible access; contact support before purchasing again if your membership is missing.

Cancellation stops future renewal but does not normally refund a current billing period. Refund eligibility is determined by the store's rules and your legal rights. We may change features or future prices, but any subscription price change will follow the notice and consent process required by the relevant store and law.

5. Acceptable use

You must not misuse the service, attempt unauthorised access, interfere with security or availability, reverse engineer the service except where law permits, upload unlawful or harmful material, use another person's account without permission, or use NIQORA to provide misleading or unlawful services to others.

6. Intellectual property

NSOLR Ltd and its licensors own the app, website, designs, software, content and NIQORA branding. We grant you a personal, limited, non-exclusive, non-transferable and revocable right to use the service for lawful personal purposes and, in Tap, to create and share your own professional contact cards while these terms apply. You retain ownership of information you enter. Only add contact details, logos and links you own or have permission to use and share. Do not impersonate someone or publish unlawful, abusive or misleading content. To report a problem with a published Tap card, email support@niqoraapp.com with its public link.

7. Availability and changes

We aim to provide a reliable service but cannot promise uninterrupted or error-free availability. We may maintain, improve, replace or discontinue features. If a change materially affects a paid service, we will provide notice and any remedy required by applicable law.

8. Responsibility and liability

Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or your statutory consumer rights. Subject to that, NSOLR Ltd is not responsible for losses caused by inaccurate information you enter, decisions made without checking lender information, or events outside our reasonable control.

The service is supplied for personal use. We are not responsible for business losses, lost profits or loss of business opportunity arising from consumer use of the service.

9. Suspension, closure and deletion

You may stop using the service and delete your account at any time. In Bills 1.0.0, Settings → Delete NIQORA account deletes the shared sign-in and associated cloud records from both Bills and Debt after sign-in verification. Device-only Bills records remain separate. See our account-deletion page for the steps and support options for other versions.

Deleting your account does not cancel NIQORA+ billing. Manage or cancel renewal separately through Apple subscriptions or Google Play subscriptions, using the store where you subscribed. You do not need to cancel or wait for a subscription to expire before deleting your NIQORA account.

We may suspend or end access where reasonably necessary to protect users or the service, comply with law, address serious misuse or respond to a material breach of these terms. We will give notice where reasonably possible.

10. Privacy

Our Privacy Notice explains how we collect and use personal information. Account-deletion instructions are available on our Delete account page.

11. Law, changes and contact

These terms are governed by the law of England and Wales. If you are a consumer elsewhere in the United Kingdom, you retain any mandatory rights and may bring proceedings in the courts available to you under applicable consumer law.

We may update these terms for legal, security or service changes. Material changes will be communicated before they take effect where required. Contact support@niqoraapp.com with questions.