Terms of use

NEXO REPORT provides the NEXO application for personal organisation.

NEXO provides tools for personal financial organisation, invoices, documents, calendars, tax workspaces and optional AI‑assisted features. NEXO does not provide legal, tax, investment or financial advice. Verify results, calculations and automatically recognised content yourself or with qualified professionals before use.

You are responsible for the accuracy of your information, the confidentiality of your access credentials and all activities in your account. You must not use NEXO abusively, illegally, to circumvent technical protection measures, or to process data for which you have no authorization.

Current prices and service levels are shown before completion in the Stripe checkout. For a paid plan, a one‑time free trial of seven days is available per NEXO account. The trial begins after completion of the Stripe checkout.

Stripe securely collects the payment method needed to continue in the checkout. Before you subscribe you choose monthly or yearly billing. If the subscription is not cancelled before the trial ends, the chosen billing starts: monthly in advance or yearly in advance for twelve months. The yearly subscription costs ten monthly prices (two months free). Prices and any applicable taxes are shown in the Stripe checkout before you commit.

Subscriptions can be managed in the Stripe customer portal linked in NEXO and cancelled with effect at the end of the current billing period – for monthly subscriptions at the end of the month, for yearly subscriptions at the end of the paid year. Switching between monthly and yearly and between Plus and Family is possible in the customer portal; Stripe prorates the remaining value of the current period. Cancelling during the trial prevents the subsequent charge if it is completed before the trial ends.

Billing periods that have already started and been paid – monthly or yearly – are in principle not refunded pro rata unless mandatory law requires otherwise. Changes to prices or features are communicated in an appropriate way before they take effect and apply to yearly subscriptions only from the next renewal.

Demanding AI features are paid with AI credits: precise answers and expert analyses of the assistant using larger AI models, voice input and, in the Free plan, document and receipt recognition. NEXO shows how many credits a feature needs before you use it, directly at the feature and in the help center. All other features are included in your plan. If an AI request fails for technical reasons, the credits are refunded automatically.

Every plan includes a fixed number of credits per month (Free 10, Plus 100, Family 250). These included credits renew on the first day of each month and are not carried over. Additional credits can be bought as packs. Purchased credits are valid for 24 months from the date of purchase – anything you have not used within 24 months after the purchase expires afterwards. The month's included credits are always used first, then the oldest purchased credits.

Credits are not money, cannot be transferred and are not paid out or refunded unless mandatory law requires otherwise; this also applies when the subscription is cancelled or the account is deleted. By buying you request that the credits are added immediately and acknowledge that any statutory right of withdrawal thereby lapses where this is permitted.

We operate NEXO with reasonable care but cannot guarantee uninterrupted or error‑free availability. To the extent permitted by mandatory law, liability for indirect damages, consequential damages, data loss or lost profits is excluded. Liability for intent and gross negligence remains unaffected.

The processing of personal data is governed by the Privacy. Direct support inquiries to support@nexo.report.

Swiss law applies excluding conflict‑of‑law rules, unless mandatory consumer protection law at the user's place of residence provides otherwise.