Terms of service

These terms

These terms are a contract between you and Pinnora Technologies Limited, 4 Güldenhofer Ufer, Treptow-Köpenick, 12437 Berlin, Germany (“we”), for your use of the Pinnora app. Contact us at helpdesk@mypinnora.com or by support ticket. The rules a product shows when you join it are part of these terms; our privacy policy covers your data. Last updated 8 October 2026.

Your account

• One person, one account. You must be at least 18, open the account for yourself and hold only one.
• True details. Keep your details accurate and up to date; you prove your e-mail address before signing in.
• Keep it safe. Keep your password and devices to yourself, and tell us at once if someone else may have access.
• Your username is chosen once, by the app’s rules: 5 to 20 letters, digits or underscores, nothing resembling Pinnora or a staff title. Support can change it; a name given up is never reused.

Verifying your identity

To withdraw, send money or apply for Empowerment, you first verify your identity in the app with a government photo ID, a selfie and your details. Our team approves or rejects each check; you can try again. Your account name follows your verified ID.

Deposits and withdrawals

• Deposits are made by bank transfer or crypto with the details the app shows. Each is a request: we credit it once we have checked the payment arrived, or decline it, normally saying why. Crypto sent on the wrong network may be lost.
• Withdrawals need a verified identity and go to the bank account or address you enter. Our team processes them, and one that cannot be completed is returned in full. With sends outside Pinnora, they count towards a daily limit, reset at midnight UTC.
• Fees and limits are shown before you confirm. Transfers between members are free.
• Pauses. We may pause these, trading or sign-ups, for example for maintenance; balances are unaffected.

Investing and trading

Buying or selling by the dollar from an asset’s page fills at once. On the Trade page, a market order fills at once at the live price; it is refused on an out-of-date price and stops to ask again if the price moves against you beyond a small margin or the fee rises. A limit order reserves what it may spend and fills in full at your price when a later price reaches it, unless you cancel it first. Pinnora fills every order itself at its own prices, which follow public market prices; nothing is sent to an exchange.

Savings and investment plans

• Before you join, each plan shows its rate or target, minimum, term, payout interval and any release delay, early-redemption penalty or terms, which you accept explicitly.
• Rates. Fixed-term, fixed-rate flexible and mixed deposits keep their opening rate. A floating rate or investment target can change, from that moment and never backwards, and you are told the old figure, the new one and from when.
• Redeeming. You can redeem at any time, except the fixed part of a mixed deposit, repaid at the end of its term. Earning stops at once, and the money is released after the plan’s delay, less any penalty. We may ease these rules, but a stricter one applies only to money put in later. At the end of a term your capital returns at once; closing a plan to new money changes nothing for those in it.
• Compounding happens only if the plan offers it and you choose it.

Loans

You can borrow US dollars against investments you hold, up to the loan-to-value the app shows, at a rate fixed when the loan opens and shown before you confirm; the collateral is locked meanwhile. Repay in full at any time from your cash, with no early-repayment fee, and your collateral is released. If its value falls to the liquidation level shown, we may sell it at our price to repay the loan: anything left over is yours, and any shortfall is written off.

Empowerment

A verified customer can apply for a business Empowerment facility within its range and terms, one application per facility at a time. Our team decides and may decline. An approved facility is paid into your funding wallet when you draw it down, and repaid in equal instalments every 30 days over your chosen term, at the rate quoted when you applied.

Referrals and reviews

Referrals. When someone joins with your link, verifies their identity and their approved deposits reach the qualifying amount, you both receive the reward the app shows, once; the inviter also receives any bonus tier it shows. We may change or end the programme for future referrals, never taking back rewards paid; inviting yourself or a false account earns nothing.

Reviews. One per account, about your own experience, shown with your first name and last initial, and yours to change or delete. We hide reviews only for abuse, personal data, spam or not being about Pinnora, never for being unfavourable.

What you must not do

Do not use Pinnora unlawfully, for example for fraud or money laundering, or with money that is not yours; open a second account, use someone else’s or give false details; attack, overload or copy the service or get round its checks; or abuse referrals, reviews or other members.

Suspending and closing

You can close your account at any time: withdraw your balance and ask in a support ticket. We may suspend or close your account, or part of it, if you break these terms, if the law requires, or to protect you, other members or Pinnora, telling you why where the law allows; otherwise only with reasonable notice. On closing, we return your money unless the law requires us to hold it.

Our liability

We are liable without limit for intent and gross negligence, for injury to life, body or health, and wherever the law imposes liability regardless of fault, such as under the German Product Liability Act. For slight negligence we are liable only for breach of an obligation essential to this contract, and only for typical, foreseeable damage.

Complaints, changes and the law

Complaints go to helpdesk@mypinnora.com or a support ticket; we look into each and reply in writing.

Changes. We may change these terms for good reason, such as new features or new law, telling you by e-mail and in the app at least 30 days ahead. Where a change needs your agreement, we ask for it; you can close your account free of charge before it applies.

Law. German law applies; as a consumer living in another country, you keep the protection of its mandatory law and courts. Where a place of jurisdiction may be agreed, it is Berlin. Nothing here limits your statutory consumer rights, including any right of withdrawal.