Terms & Conditions

These Terms and Conditions (hereinafter, the "Terms") constitute a legally binding agreement between Bull Marketing S.r.l.s. and each person who accesses, registers on or uses the Nymia platform.

The Provider of the Platform is Bull Marketing S.r.l.s., a simplified limited liability company under Italian law, with registered office at Via Minelli 23, 44042 Cento (FE), Italy, tax code and VAT number IT02178200388, registered with the Ferrara Companies Register under REA no. FE-257774 (hereinafter, "Bull Marketing" or the "Provider").

Nymia is an information society service within the meaning of Italian Legislative Decree no. 70 of 9 April 2003 and an online intermediation service within the meaning of Regulation (EU) 2022/2065 (Digital Services Act, hereinafter "DSA"). The Platform allows Voice Pros to publish digital content, conduct live streaming, offer "Calls" and monetize their activity, connecting them with Users interested in enjoying such content and services.

Before registering, accessing or using the Platform in any way, you are invited to carefully read these Terms, the Privacy Policy and the Cookie Policy published within the Platform. Your use of Nymia implies full and unconditional acceptance of the Terms.

Bull Marketing publishes an English translation of these Terms as a courtesy; in the event of any interpretative discrepancy, the Italian language version shall prevail.

For the purposes of these Terms, the following definitions apply:

• "Platform" or "Nymia": the online service accessible via web and app, including all its tools, features, APIs, content and related services.
• "Provider" or "Bull Marketing": Bull Marketing S.r.l.s., owner of the Platform.
• "User": any adult natural person who accesses the Platform, registers and uses it as a consumer of the content and services offered by Voice Pros.
• "Voice Pro": a User enabled to access the Platform's professional and monetization features, previously referred to as a "Creator", who has completed the dedicated verification procedure and uses the Platform to publish digital content, conduct lives and offer Calls for consideration or free of charge.
• "Consumer": a natural person acting for purposes unrelated to any entrepreneurial, commercial, craft or professional activity carried out, pursuant to Art. 3(1)(a) of Italian Legislative Decree 206/2005.
• "Account": the set of credentials and personal data identifying the User or the Voice Pro on the Platform.
• "Digital Content": files, images, videos, audio, texts, posts, live broadcasts and any other digital work published by Voice Pros on the Platform.
• "Live": real-time broadcasts (audio or video) conducted by Voice Pros, free of charge or accessible through the purchase of tickets.
• "Calls": private audio or video sessions booked by the User to interact individually with a Voice Pro.
• "Wallet": the internal account held in the name of the User or the Voice Pro used to manage the balances generated or used on the Platform, as set out in Section 11.
• "Stripe": Stripe Payments Europe, Limited and the affiliated companies of the Stripe group, the payment service provider that manages the receipt of payments from Users and the disbursement of payouts to Voice Pros through Stripe Connect Express.
• "Online Intermediation Service": the information society service provided by Bull Marketing as an intermediary, as defined by Regulation (EU) 2019/1150 and the DSA.
• "DSA": Regulation (EU) 2022/2065 of 19 October 2022 on a Single Market for Digital Services.
• "GDPR": Regulation (EU) 2016/679 of 27 April 2016 on the protection of natural persons with regard to the processing of personal data.
• "Consumer Code": Italian Legislative Decree no. 206 of 6 September 2005, as amended.
• "Prohibited Content": the content listed in Section 18, including illegal content within the meaning of Art. 3(h) of the DSA.
• "Third-Party Providers": the external service providers used by Nymia, including Stripe, LiveKit, MongoDB Atlas, Wasabi Technologies and Meta Platforms Ireland Limited.

Acceptance of these Terms takes place upon registration of the Account, by ticking the box "I have read and accept the Terms and Conditions and the Privacy Policy" provided during sign-up, or upon first use of the Platform in the case of unauthenticated public sessions.

By accepting, the User and the Voice Pro declare that they:

• have read, understood and fully accepted these Terms in their latest published version;
• have reviewed the Privacy Policy and the Cookie Policy;
• have the legal capacity to enter into binding agreements under their applicable law;
• will provide truthful, accurate, up-to-date and complete data at registration and thereafter for the entire duration of the relationship.

Bull Marketing keeps an electronic copy of these Terms in the version accepted by each User and Voice Pro; the User may at any time consult, download or print the Terms in force from the dedicated section of the Platform.

If the Terms are not accepted, the User will not be able to complete registration or use the Platform's features.

Nymia is an online intermediation technology platform that connects Users and Voice Pros, providing digital tools for publishing content, conducting lives and booking Calls. In this capacity, Bull Marketing operates as an "intermediary provider" within the meaning of Articles 4 and 6 of the DSA, without exercising editorial control over the content uploaded by Voice Pros.

Unless otherwise expressly indicated within the Platform, the content, services and performances offered by Voice Pros to Users (including, by way of example and without limitation, paid digital content, paid Lives and Calls) are provided directly by the Voice Pros, who are their sole owners and solely responsible for them under every civil, criminal, tax, administrative and regulatory profile.

Bull Marketing is not a party to the contractual relationship established between the Voice Pro and the User in relation to the supply of content or the provision of services. The Provider acts exclusively as a technological intermediary and provider of the platform services expressly indicated in these Terms, including content hosting, streaming infrastructure, identification management, integration with the payment service provider and moderation in accordance with the procedures set out in Section 19.

Bull Marketing does not in any way guarantee the quality, completeness, accuracy, conformity with the User's expectations, fitness for specific purposes, punctuality or availability of the content and services offered by Voice Pros. Any assessment regarding the purchase of digital content, participation in a paid Live or the booking of a Call remains the exclusive responsibility of the User.

The economic relationships between User and Voice Pro are also governed by these Terms, in particular with regard to payment methods (Section 10), Wallet management (Section 11), the right of withdrawal and its exclusion (Section 12), the management of Lives (Section 13) and Calls (Section 14), as well as the resolution of disputes (Section 21).

Bull Marketing reserves the right — and in certain cases has the obligation — to intervene on the Platform, on content or on the operation of individual Accounts in the following cases:

• content moderation activities pursuant to the DSA and these Terms (Section 19);
• compliance with legal obligations, orders of judicial or administrative authorities and law enforcement requests;
• prevention, detection and countering of fraud, money laundering, terrorist financing, abusive conduct, breaches of IT security or contractual obligations;
• protection of the safety, rights and legitimate interests of Users, Voice Pros, Bull Marketing or third parties;
• management of disputes, automatic refunds and no-shows (Section 21);
• protection of the technological infrastructure, personal data and operational continuity of the Platform.

Under no circumstances may Bull Marketing's intervention in any of the above cases be interpreted as an assumption of responsibility for the content or services provided by Voice Pros, nor as a waiver by the Provider of its nature as an intermediary within the meaning of the DSA.

To access the Platform and register an Account, the following requirements must be cumulatively satisfied:

• being at least eighteen years of age. Nymia is only available to people aged 18 or older and under no circumstances allows registration or use by minors;
• having full legal capacity under the law of one's country of residence or citizenship;
• not being included in international sanctions lists, embargoes or restrictive measures adopted by the European Union, the UN, OFAC or other applicable competent authorities;
• not having previously had an Account closed or suspended by Bull Marketing for breach of these Terms, unless authorised in writing by the Provider;
• providing a valid email address under one's own control, verified through the OTP code sent by the Platform.

Use of the Platform may be subject to further restrictions under the law of the User's country of residence. It is the User's responsibility to ensure that registration, access and use of Nymia are lawful in their jurisdiction; Bull Marketing is not required to monitor or guarantee compliance with foreign legislation applicable individually to the User.

Bull Marketing reserves the right to request confirmation of the above requirements at any time and to suspend or close Accounts for which such requirements are not satisfied.

Account registration is free of charge and takes place by completing the dedicated form with the required data (by way of example: email address, password, public username, date of birth, country of residence). The User undertakes to:

• provide truthful, accurate, up-to-date and complete data;
• not impersonate other natural or legal persons nor falsely declare an affiliation with third parties;
• keep the information provided up to date, promptly making any changes from their personal area;
• not register multiple Accounts for the same natural person, unless expressly authorised in writing by the Provider.

The Account is personal, non-assignable and non-transferable. The User may not allow third parties to use their Account, nor resell, assign, license or otherwise make it available to persons other than themselves.

Bull Marketing may require verification of the email address and, for Accounts intending to operate as Voice Pros or in any case carrying out transactions on the Platform, further documentary verifications (Section 9).

Registration is completed with the Account activation confirmation sent by email. The rights and obligations provided for by these Terms run from that moment.

The User is solely responsible for the safekeeping and confidentiality of the access credentials to their Account. In particular, the User undertakes to:

• choose a strong, unique password not shared with other services;
• not disclose their password or any other authentication factor to third parties;
• log out from shared devices;
• promptly notify Bull Marketing at support@nymia.me of any suspected unauthorised access, loss of credentials or compromise of their Account.

Any activity carried out through the Account, including purchases, publication of content, sending of messages and conclusion of transactions, is attributable to the Account holder and produces legal effects directly on the same, unless the holder proves abusive use by third parties in breach of the safekeeping obligations.

Bull Marketing adopts adequate technical and organisational measures, including the storage of passwords through secure hashing algorithms, the monitoring of suspicious access and the management of signed sessions, but cannot be held liable for unauthorised access attributable to the User's negligent conduct.

"Voice Pro" is the name used on the Platform and in these Terms for a user enabled to access the professional and monetization features, previously referred to as a "Creator".

Users who wish to offer paid content, digital services, conversations, Lives, Calls or other paid features made available by the Platform through Nymia may request the activation of a Voice Pro Account.

The activation of the Voice Pro Account is distinct from the subsequent configuration required to receive payment of accrued earnings (Sections 9 and 10).

To activate the Voice Pro Account, the user must:

a) hold a Nymia account with a verified e-mail address; b) provide truthful, complete and up-to-date personal, tax and contact information as requested by the Platform; c) verify their phone number through the OTP system made available by Nymia; d) expressly accept these Terms and the conditions specifically applicable to Voice Pros; e) satisfy any further security, age, moderation or eligibility requirements set by the Platform (including the upload of the audio presentation, where required).

Once these requirements are met, Nymia may enable the Voice Pro Account to publish and offer paid services or content.

The configuration of Stripe Connect Express and the payment provider's KYC verification are not a requirement for the mere activation of the Voice Pro Account or for the accrual of earnings in Nymia's internal ledger. Such verifications become necessary before earnings can be transferred to the Voice Pro (Section 10).

Bull Marketing is free to accept or reject, at its sole discretion, any request for activation as a Voice Pro, stating the reasons for any refusal where required by law, in particular pursuant to Articles 4, 11 and 12 of Regulation (EU) 2019/1150.

The Voice Pro acknowledges that they act as a professional within the meaning of the Consumer Code vis-à-vis Consumer Users and assumes, in that capacity, the information, contractual and compliance obligations provided for by applicable law, including (without limitation) obligations regarding price transparency, pre-contractual information, the right of withdrawal where applicable, protection of intellectual property and tax obligations.

TAX AND PROFESSIONAL OBLIGATIONS OF THE VOICE PRO. The Voice Pro is responsible for the correct qualification of their activity and for complying with any tax, social security, administrative and professional obligations applicable on the basis of their personal situation, the nature and continuity of the activity carried out and the applicable legislation. The activation of the Voice Pro Account by Nymia does not constitute an assessment or certification of the Voice Pro's tax position. The Voice Pro undertakes to provide correct and up-to-date tax information and, where required by applicable law, to issue or provide the necessary tax documentation. Nymia may request further information or documentation where necessary to comply with tax, administrative, reporting or legal obligations.

Where the Voice Pro is required to issue an invoice, commercial document or other tax document to the User, such obligation is entirely their responsibility. Bull Marketing issues tax documentation exclusively in relation to its own fees and the platform services provided directly to the Voice Pro.

The Voice Pro is responsible for the accuracy and updating of the information provided and undertakes to promptly notify any relevant change. Nymia may suspend or limit Voice Pro features if the information provided proves to be false, incomplete or outdated, or if violations of these Terms, the law or the Platform's rules emerge.

The phone number verification performed by Nymia during the activation of the Voice Pro Account is a security measure of the Platform and is not equivalent to the KYC verification required for payment services.

Before being able to receive the transfer of accrued earnings, the Voice Pro must complete the onboarding and verifications required by the payment provider used by Nymia, in accordance with Italian Legislative Decree no. 231 of 21 November 2007 (implementing the 5th AML Directive, EU 2018/843), European anti-money-laundering and counter-terrorist-financing legislation and the payment provider's risk policies.

Such verifications may include, by way of example:

• identity verification (valid identity document);
• age verification;
• tax information (tax code or VAT number);
• information on professional or corporate activity;
• verification of the bank account held in the Voice Pro's name;
• personal or corporate documentation;
• further information required by applicable law or by the payment provider.

Financial and KYC verifications are carried out by the payment provider in accordance with its own procedures and conditions. The procedure is managed directly by Stripe, as an authorised payment institution and independent data controller pursuant to Art. 4(7) GDPR: documents are transmitted securely directly to Stripe. Bull Marketing receives from Stripe only the verification status (e.g. "under review", "active", "additional documentation requested", "rejected") in order to enable or disable transfers and payouts.

Nymia does not store payment card credentials nor, except to the extent strictly necessary for the provision of its services and within the limits set out in the Privacy Policy, copies of KYC documents or bank credentials managed directly by the payment provider.

Failure to complete the required verifications may prevent or delay the transfer of earnings, without necessarily preventing the use of other Voice Pro features, subject to legal obligations, provider requests or security measures adopted by Nymia. Where anomalies attributable to money-laundering, terrorist-financing, fraud or international sanctions risks are detected, Bull Marketing may suspend or disable monetization features or, in the most serious cases, suspend or close the Account, without prejudice to the reporting obligations provided for by anti-money-laundering legislation.

Bull Marketing also reserves the right to request additional information from Users (including non-Voice Pros) aimed at preventing fraud and abuse in the event of suspicious transactions detected on the Platform.

Payments made by users to purchase Credits or to access the Platform's services are processed through authorised payment providers used by Nymia. Nymia currently uses Stripe and Stripe Connect Express for the management of certain payment operations and for the transfer of earnings to Voice Pros. The User acknowledges that the conclusion of each transaction on the Platform entails acceptance of Stripe's terms available at https://stripe.com/legal.

Bull Marketing does not store the full details of the User's payment instruments (card numbers, CVV, bank credentials). Such data are collected, processed and stored directly by Stripe in a PCI DSS Level 1 environment.

The Voice Pro Account may be activated and may accrue earnings before the completion of the Stripe Connect onboarding. The amounts attributable to the Voice Pro are recorded in the Platform's internal ledger according to the transactions carried out, the applicable fees, any refunds, disputes, adjustments and other operations provided for by these Terms.

The display of an amount in the Voice Pro Wallet does not in itself constitute a transfer of funds to the Voice Pro, nor does it imply that such sums have already been credited to a payment account held in the Voice Pro's name.

To receive earnings, the Voice Pro must complete the configuration of their Stripe Connect Express account (or of any other payment provider indicated by the Platform) and satisfy all the requirements for enabling transfers and payouts (Section 9). Once the required verifications have been completed and payment eligibility has been confirmed, Nymia may arrange the transfer of the available amount to the payment account linked to the Voice Pro. The Voice Pro is the exclusive owner of the funds credited to their Stripe Connect account: Bull Marketing acts as the "Platform" in the Connect model and does not directly hold Voice Pros' funds. The transfer to the final bank account is subsequently managed by the payment provider in accordance with its conditions and timelines. Nymia does not guarantee crediting times that depend on banks, payment networks, providers or regulatory checks.

NYMIA FEES. For the use of the Platform's monetization features, Nymia applies a standard fee of 20%, unless different economic conditions are applied to the individual Voice Pro. The percentage actually applicable is the one associated with the Voice Pro's account and made available on the Platform. Nymia may grant certain Voice Pros improved economic conditions, including a fee lower than the standard one, based on commercial criteria such as activity, continuity, performance, volumes, quality of services or specific agreements. The application of improved conditions to one Voice Pro does not automatically entitle other Voice Pros to the same conditions. Any changes to the percentage applicable to an individual Voice Pro will take effect on future transactions and will not retroactively modify fees already accrued, except for adjustments due to errors, refunds, disputes or chargebacks. The fee may vary depending on the type of service, product, promotion or applicable plan; any substantial changes to the fees applicable to future transactions will be communicated to the Voice Pro before their application, in accordance with the law and these Terms (Section 25). Any fees applied by the payment provider may be handled in accordance with the economic conditions displayed by the Platform.

PAYOUT REQUEST AND AVAILABILITY. The Voice Pro may request the transfer of the earnings indicated as available in their Wallet when the requirements set by the Platform and the payment provider are satisfied. The Voice Pro may request payment when the available balance reaches at least €20.00. Before the first payout, the Voice Pro may be required to complete Stripe Connect Express and the related KYC verifications. Amounts subject to a payout request may temporarily be indicated as "processing" and may not be available for a second request until the operation is completed. If the transfer cannot be completed, the amount may be made available again in the Wallet, subject to any legitimately applicable blocks, reserves, verifications or adjustments.

Nymia may temporarily suspend a transfer where necessary for: anti-fraud checks; disputes or chargebacks; refunds; legal or regulatory obligations; payment provider requests; suspected violations of the Terms; technical or security issues; the need to verify the correct attribution of sums. Nymia will not apply arbitrary withholdings and will manage transfers in accordance with the economic conditions communicated, the provider's rules and applicable law.

The Voice Pro bears every tax, contribution, tax compliance and reporting obligation relating to the consideration received through the Platform, including the correct management of EU VAT, any registration under the OSS/IOSS regime and any other national or cross-border tax obligation.

The Platform provides an internal Wallet, i.e. a technical feature that allows the User to view their balance expressed in "Credits", the history of operations, and to fund it through the payment methods accepted by Stripe.

The Wallet is a convenience feature of the platform infrastructure and does NOT constitute:

• electronic money within the meaning of Directive 2009/110/EC and Italian Legislative Decree 45/2012;
• a bank deposit or financial instrument;
• a payment instrument fungible with legal tender outside the Platform;
• credit transferable to third parties outside the transactions provided for on the Platform.

The Credits in the Wallet:

• do not accrue interest;
• are not transferable to third parties;
• may be used exclusively on the Platform for the purchase of digital content, Live tickets, Calls, tips or further features that may be introduced;
• are subject to refund only in the cases expressly provided for by these Terms or by law, in particular in the event of incorrect charges, failure to supply the content or service, disputes resolved in favour of the User, or lawful withdrawal pursuant to the Consumer Code.

Any requests to convert unused Credits into money are permitted exclusively in the cases provided for by law (e.g. termination of the service, closure of the Account at the Provider's initiative for reasons not attributable to the User) and within the limits of applicable legislation.

Bull Marketing reserves the right to determine the technical methods of managing the Wallet, to provide for validity periods of the Credits, technical rounding and limitations to prevent fraudulent uses or uses not compliant with these Terms, always in compliance with the rights of Consumer Users.

VOICE PRO WALLET AND INTERNAL LEDGER. Nymia provides the Voice Pro with an informational Wallet through which it is possible to view the amounts deriving from the activities carried out on the Platform. The Wallet constitutes an internal accounting record of the Platform and does not constitute a current account, a payment account, a bank deposit, an electronic money account or any other financial product held in the Voice Pro's name.

The Wallet may distinguish, where applicable: accrued earnings; pending amounts; available amounts; reserved amounts; payouts being processed; amounts already paid; refunds; adjustments; disputes.

The amounts displayed may be adjusted where necessary to correctly reflect refunds, chargebacks, disputes, technical errors, duplicate operations, fraud, violations of the Terms or other legitimately relevant circumstances. Each adjustment is recorded in the Platform's systems in a traceable manner.

Voice Pros may publish free or paid Digital Content. The price of each item of content is determined by the Voice Pro and transparently displayed to the User before purchase, including the essential information on the type of content, the duration of access and any playback limitations.

The purchase of paid Digital Content concludes a contract directly between the Voice Pro (as seller) and the User (as buyer), pursuant to Directive (EU) 2019/770, implemented in Italy by Legislative Decree 173/2021. Bull Marketing acts as a technological intermediary and provides the infrastructure for distribution and receipt of payments, without becoming a party to the sale contract.

RIGHT OF WITHDRAWAL. Digital Content purchased by the Consumer User constitutes a "supply of digital content not supplied on a tangible medium" within the meaning of Articles 59(1)(o) and 68-septies of the Consumer Code. Upon purchase, the Consumer User:

• expressly requests the supply of the Digital Content to begin during the withdrawal period;
• acknowledges losing the right of withdrawal once the supply has begun;
• accepts that such waiver is permanently confirmed in the purchase confirmation.

In any case, the Consumer User's rights remain unaffected in the event of a lack of conformity of the Digital Content pursuant to Articles 135-bis et seq. of the Consumer Code, including the right to restoration of conformity or price reduction.

Where, for technical reasons attributable to the Platform or the Voice Pro, the purchased Digital Content cannot be enjoyed, the User may report the circumstance through the procedure set out in Section 20 and obtain a full refund of the price paid, unless the malfunction is due to factors attributable to the User or to third parties not attributable to the Platform.

The Platform allows Voice Pros to conduct live streaming sessions, in audio or video format, free of charge or accessible through the purchase of a ticket ("Live Ticket"). Lives take place through the technical infrastructure provided by LiveKit Inc., an independent third-party provider for real-time streaming.

By purchasing a Live Ticket, the User obtains the right of access to the single Live for the scheduled duration. The Live Ticket is personal, non-transferable and non-assignable to third parties. The Ticket gives access to a "live" digital service with instantaneous enjoyment: the Consumer User, at the time of purchase, requests immediate commencement of performance and acknowledges losing the right of withdrawal pursuant to Art. 59(1)(a) and (o) of the Consumer Code.

LIVE TICKET REFUNDS. Without prejudice to the Consumer User's rights in the event of a lack of conformity, a refund of the Live Ticket is provided:

• in the event of failure to start the Live for reasons attributable to the Voice Pro;
• in the event of interruption of the Live for reasons attributable to the Voice Pro, for a duration equal to or greater than 50% of the scheduled duration;
• in the event of a serious technical malfunction of the Platform infrastructure or of Third-Party Providers that makes enjoyment impossible;
• in the cases provided for by the dispute resolution procedure set out in Section 21.

CHAT CONDUCT. During Lives, a text chat is active, moderated by the Voice Pro (who may delete messages and ban users from their own Live) and monitored by the Platform's moderation systems. It is forbidden to post messages containing Prohibited Content (Section 18). Violations may result in removal of the message, expulsion from the Live, suspension of the Account and, in the most serious cases, reporting to the competent authorities.

RECORDINGS. The Voice Pro may decide whether to record their Live and make the recording available (in whole or in part) to Users who purchased the Ticket. Recordings of Calls are governed by Section 14. In any case, Bull Marketing may carry out automatic technical recordings for security, moderation, abuse-prevention and dispute-management purposes, as indicated in the Privacy Policy.

Calls ("OTO") are private video calls or phone calls, booked by the User directly on the Voice Pro's availability calendar, according to the price and duration defined by the Voice Pro.

Booking an OTO session entails:

• advance payment of the consideration through Stripe;
• activation of the service contract between Voice Pro and User;
• receipt, at the scheduled time, of an access link to the session hosted on the LiveKit infrastructure;
• the entry window and lateness tolerances set out below.

The Consumer User, at the time of booking, expressly requests performance of the service before the expiry of the withdrawal period and acknowledges losing the right of withdrawal pursuant to Art. 59(1)(a) of the Consumer Code, except in the case of a booking made for a time at least fourteen days later, for which the general rules on withdrawal remain applicable.

NO-SHOW MANAGEMENT. The Platform provides an automatic mechanism for managing entries into the waiting room (a virtual room accessible from five minutes before the scheduled time) and a maximum tolerance of two minutes from the start time. At the end of the tolerance window:

• if the User has not entered ("User no-show"), the consideration remains acquired by the Voice Pro, as compensation for the reserved time;
• if the Voice Pro has not entered ("Voice Pro no-show"), the consideration is automatically refunded to the User in the Wallet or to the original payment method;
• if neither participant has entered ("Both no-show"), the consideration is automatically refunded to the User;
• in any case, the User has the right to open a dispute (Section 21) within 48 hours of the scheduled end of the session.

OTO sessions may be recorded exclusively where both parties give their prior consent through the specific Platform function. Bull Marketing may retain automatic technical recordings of OTO sessions for security, moderation and dispute-management purposes, as indicated in the Privacy Policy and in compliance with the principles of minimisation and storage limitation provided for by the GDPR.

The Voice Pro is solely responsible for the content published, the Lives conducted, the OTO sessions carried out and any material uploaded to the Platform. In particular, the Voice Pro undertakes to:

• guarantee that they are the owner or lawful licensee of all intellectual property rights in the published content, including copyright, related rights, image rights of the persons portrayed and trademark rights;
• fully comply with applicable legislation on consumer protection, pre-contractual information, price transparency, copyright, protection of minors and defamation;
• not publish Prohibited Content (Section 18);
• independently fulfil the tax, social security, contribution and administrative obligations arising from the activity carried out and the consideration received through the Platform;
• issue, where due, tax documentation to the User in accordance with Italian and European legislation, including any management of VAT on intra-EU B2C services (OSS regime) or extra-EU;
• honour all commitments made to Users in relation to content sold and services provided, including booked OTO sessions;
• behave with fairness, professionalism and correctness towards Users;
• not engage in misleading, aggressive or unfair practices within the meaning of the Consumer Code;
• cooperate in good faith with Bull Marketing in moderation, verification and dispute resolution procedures.

The Voice Pro acknowledges that any breach of the above obligations may result in the removal of content, suspension or closure of the Account and, where appropriate, reporting to the competent authorities, without prejudice to Bull Marketing's right to compensation for any damage suffered.

VOICE PRO AUTONOMY. Unless otherwise agreed in writing, the Voice Pro operates fully autonomously and independently determines whether, when and which content or services to offer through the Platform, in compliance with these Terms. The use of Nymia and the payment of amounts deriving from activities carried out through the Platform do not, in themselves, constitute an employment relationship, agency, partnership, association or representation between Nymia and the Voice Pro. The Voice Pro is not authorised to assume obligations or make declarations in the name and on behalf of Nymia, except with specific written authorisation. The legal qualification of the relationship remains in any case subject to the applicable mandatory rules and to the actual manner in which the activity is carried out.

The User undertakes to use the Platform in a correct, lawful and respectful manner, and in particular to:

• provide and keep truthful information up to date;
• not share their access credentials;
• respect Voice Pros and other Users, refraining from any harassing, offensive, discriminatory, threatening or unlawful conduct;
• not use the Platform to record, reproduce, distribute, retransmit, offer for sale or otherwise communicate to the public the content purchased or enjoyed, except within the limits of personal uses permitted by law;
• respect the intellectual property rights of Voice Pros and of Bull Marketing;
• not introduce viruses, worms, trojans, automated scraping techniques, reverse engineering frameworks or tools aimed at compromising the security or integrity of the Platform;
• promptly pay the consideration due for purchased content, Live Tickets and OTO sessions;
• use the reporting function (Section 20) to notify Bull Marketing of any Prohibited Content or conduct they consider contrary to these Terms or the law.

The User acknowledges that participation in Lives and OTO sessions involves interactions with other Users and with Voice Pros, and that Bull Marketing is not responsible for the conduct of such persons, unless such conduct amounts to a breach of these Terms and has been promptly notified to the Platform within the terms set out in Section 20.

All intellectual property rights relating to the Platform, the underlying software, the user interfaces, the "Nymia" and "Bull Marketing" trademarks, the logos, the official texts, the editorial content of the Platform and the databases are the exclusive property of Bull Marketing (or its licensors) and are protected by applicable legislation on copyright, trademarks, patents, trade secrets and unfair competition.

BY USING THE PLATFORM, Bull Marketing grants the User a personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the Platform for the purposes provided for by these Terms. No further right, express or implied, is granted to the User.

VOICE PRO CONTENT. Each Voice Pro remains the sole owner of the intellectual property rights in the content they publish. By publishing, the Voice Pro grants Bull Marketing a worldwide, non-exclusive, free-of-charge, transferable and sublicensable licence to host, store, cache, distribute, display, technically adapt (within the limits strictly necessary for the provision of the services) and communicate to the public through the Platform the published content, for the duration necessary for the provision of the services and the retention of the related documentary obligations. The Voice Pro warrants that they hold all the rights necessary to grant such licence and indemnifies Bull Marketing against any third-party claims in this regard.

CONTENT PURCHASED BY USERS. The purchase of Digital Content or a Live Ticket does not transfer to the User any intellectual property right in the content: the User receives a personal, non-exclusive, non-transferable and revocable licence to enjoy the content within the limits indicated by the Voice Pro and the Platform. The reproduction, modification, distribution, communication to the public, unauthorised download, retransmission or making available to third parties of purchased content is expressly forbidden, except with the written consent of the Voice Pro or the explicit authorisation of the Platform.

USE OF THE TRADEMARK AND LOGO. It is forbidden to use the "Nymia" and "Bull Marketing" trademarks, the logos, the graphic elements and the names of the Platform for purposes that have not been expressly authorised in writing by Bull Marketing.

It is expressly forbidden to publish, share, transmit, promote or make accessible through the Platform content or conduct that is illegal under Italian or European law, or that violates these Terms. In particular, and by way of example and without limitation, the following are prohibited:

• content depicting minors in sexually explicit contexts or in any case referable to the offence under Articles 600-quater and 600-quater.1 of the Italian Criminal Code and the implementing rules of Regulation (EU) 2021/1232;
• intimate content shared without the consent of the person portrayed (revenge porn and other forms of NCII, pursuant to Art. 612-ter of the Italian Criminal Code);
• pornography and sexually explicit content, including where it involves adults only, as well as content created primarily for the purpose of sexual arousal, including explicit fetish content;
• the offering, requesting, promotion or brokering of sexual services or paid sexual performances;
• grooming, solicitation or any sexual or otherwise inappropriate conduct directed at minors, in addition to the prohibitions already provided for child sexual abuse material;
• harassment, stalking, threats, intimidation and abusive behaviour towards other users;
• content inciting hatred, discrimination or violence on racial, ethnic, national, religious grounds, or on grounds of gender, sexual orientation, gender identity, disability or personal condition;
• content of a terrorist nature or that incites, glorifies or provides instruction in terrorism within the meaning of Regulation (EU) 2021/784;
• content infringing third parties' intellectual property rights, trademarks or trade secrets;
• sexually explicit or otherwise deceptive deepfakes referable to identifiable persons without their consent;
• content produced through, or promoting, criminal activities, including human trafficking, sexual exploitation, money laundering, terrorist financing, illicit trafficking in weapons, narcotics or sanctioned goods;
• content promoting self-harm, suicide or eating disorders;
• spam, phishing, social engineering, chain letters, Ponzi or pyramid schemes, fraudulent crypto schemes;
• unfair, misleading or aggressive commercial practices within the meaning of the Consumer Code;
• dissemination of false information aimed at harming persons, businesses or institutions;
• doxxing, unauthorised publication of third parties' personal data;
• unauthorised access to computer systems, distribution of malware, techniques for circumventing security measures.

Prohibited Content may be removed preventively or subsequently in accordance with the procedures of Section 19; Bull Marketing actively cooperates with the competent authorities and transmits to the bodies provided for by law (including authorities combating sexual offences against minors and anti-terrorism authorities) the information requested in accordance with applicable legislation.

Bull Marketing operates a content moderation system in compliance with the DSA, the principle of algorithm transparency and the fundamental rights of Users.

The moderation system combines:

• automated checks through artificial intelligence tools (including the use of solutions provided by third parties such as Sightengine or equivalent) to detect suspicious, illegal content or content contrary to these Terms;
• human review by the Nymia moderation team, in particular for the assessment of reports received and contested decisions;
• cooperation with "trusted flaggers" within the meaning of Art. 22 of the DSA, where applicable.

The moderation system may lead to the adoption of the following measures against specific content or Accounts:

• removal of or disabling of access to the content;
• reduction of the visibility of the content;
• limitation of Account features (e.g. prohibition on publishing, opening new Lives, receiving payments);
• temporary suspension of the Account;
• permanent closure of the Account in the most serious cases.

IN ACCORDANCE with Article 8 of the DSA, Bull Marketing is not subject to any general obligation to monitor the content published on the Platform nor to general obligations to actively seek facts or circumstances indicating illegal activity. Where it becomes aware of illegal content, Bull Marketing intervenes diligently in accordance with the procedure under Art. 16 of the DSA and Section 20 of these Terms.

Any moderation decision that negatively affects a User or a Voice Pro (content removal, Account suspension, limitation of features, suspension of payments) will be communicated to the person concerned in accordance with Art. 17 of the DSA, indicating the relevant facts and circumstances, the legal or contractual references breached, the internal appeal available under Art. 20 of the DSA and access to out-of-court dispute settlement bodies under Art. 21 of the DSA.

Any User and any third party may report to Bull Marketing the presence of content or user conduct they consider contrary to these Terms or to the law, using the reporting function integrated into the Platform ("Report") or by writing to report@nymia.me.

The report should contain, in accordance with Art. 16 of the DSA:

• a sufficiently substantiated explanation of the reasons why the reporting person considers the content in question to be illegal content;
• a precise indication of the exact electronic location of the content (e.g. URL, ID of the post or Live);
• the name and email address of the reporting person, except where the report concerns offences of sexual exploitation, human trafficking, terrorism or cases in which the law provides for the protection of the reporter's anonymity;
• a statement that the reporting person believes, in good faith, that the information and allegations are accurate and complete.

Bull Marketing will promptly process every report received, adopt the appropriate measures and communicate the reasoned decision on the merits to the reporting person, giving priority to reports of offences against minors or of a terrorist nature.

We aim to review reports concerning content or users within 24 hours of receipt and, where necessary, take appropriate action based on the nature and severity of the violation. The "Report" feature is distinct from the "Block" feature: the latter stops contact with another user and does not constitute a report to Bull Marketing.

"Trusted flaggers" within the meaning of Art. 22 of the DSA will be given priority in the processing of reports. Bull Marketing may suspend the processing of reports from persons who repeatedly submit manifestly unfounded reports.

INTERNAL DISPUTE MANAGEMENT. The Platform provides the User with an internal tool for opening disputes to contest the performance or conformity of the content or service purchased from the Voice Pro (digital content, Live Ticket, OTO session). The dispute may be opened within 48 hours of the end of the contested event, indicating the reason (from the predefined options: Voice Pro no-show, inadequate quality, non-conforming content, harassment, technical problems, shorter duration, breach of guidelines, other) and providing a description of at least ten characters.

The dispute is examined by the Nymia support team, which may request further information, hear the parties, examine any technical recordings available in compliance with personal data legislation and Section 14, and take a reasoned decision. If upheld, Bull Marketing may proceed with a total or partial refund of the consideration paid, via the Wallet or the original payment instrument.

AUTOMATIC REFUNDS. Upon the occurrence of the specific conditions indicated by these Terms (e.g. Voice Pro no-show at an OTO, failure to start a Live, serious technical malfunctions attributable to the Platform), the refund is arranged automatically without the need to open a dispute.

INTERNAL COMPLAINT MECHANISM. In accordance with Art. 20 of the DSA and Articles 11 and 12 of Regulation (EU) 2019/1150, both Users and Voice Pros have the right to lodge complaints against decisions taken by Bull Marketing regarding removal of content, suspension of the Account, suspension of payments or closure of the Account. The complaint must be lodged within six months of the decision, by sending a reasoned communication to support@nymia.me. Bull Marketing will reply within a reasonable time and in any case in compliance with the time limits provided for by applicable legislation.

OUT-OF-COURT DISPUTE RESOLUTION BODIES (ODR). For relationships with Consumer Users, the possibility remains of using the European Commission's ODR platform (https://ec.europa.eu/consumers/odr) and the alternative dispute resolution bodies provided for by Italian and European legislation, as indicated in Section 26 below.

REFUNDS AND ADJUSTMENTS OF VOICE PRO EARNINGS. Where a transaction linked to a Voice Pro's service or content is legitimately refunded, cancelled or reversed, Nymia may adjust the corresponding amount in the Voice Pro's ledger. If the amount has not yet been transferred to the Voice Pro, the adjustment may be applied to pending, available or reserved amounts. If the amount has already been transferred, Nymia may record the corresponding adjustment and manage its possible recovery in accordance with these Terms, applicable law and the circumstances of the transaction.

DISPUTES, CHARGEBACKS AND CONTESTED SUMS. Where a payment is contested by the user through their payment institution, bank or payment network, the corresponding transaction may be marked as disputed. The opening of a dispute does not automatically result in a definitive adjustment, since the dispute may subsequently be resolved in favour of the user or of the Platform.

During the dispute, Nymia may: freeze or reserve Credits still linked to the disputed transaction; temporarily make the Voice Pro share linked to the transaction unavailable for payout; suspend the related transfer; request information useful for handling the dispute; adopt reasonable measures to prevent fraud or losses.

If the dispute is resolved in favour of Nymia, the amounts legitimately frozen or reserved may be made available again. If the dispute is definitively resolved in favour of the user, Nymia may make the corresponding adjustments to the Wallet, the Credits and the amounts attributed to the Voice Pro. Where the Voice Pro share has already been transferred, Nymia may record the amount subject to adjustment and adopt the measures permitted by these Terms and applicable law for its management or recovery.

Bull Marketing may suspend or close an Account, in whole or in part, in the following cases:

• breach of these Terms or of the policies published within the Platform;
• publication or dissemination of Prohibited Content (Section 18);
• repeated well-founded complaints or disputes lost by the Voice Pro;
• fraudulent, abusive, harassing conduct or conduct otherwise contrary to good faith;
• findings relating to anti-money-laundering, international sanctions or KYC obligations;
• requests from judicial authorities, law enforcement or regulatory authorities;
• the need to protect the security, integrity or operational continuity of the Platform;
• use of the Account for purposes other than those provided for by these Terms.

Except in cases of extreme urgency (immediate risk to third parties, legal obligations, serious violations), Bull Marketing will notify the person concerned in advance of the objection and the facts under assessment, and will grant a reasonable period to submit observations.

The decision to suspend or close will be reasoned and communicated to the User or Voice Pro in accordance with Art. 17 of the DSA, indicating the internal and external means of redress available (Section 21). In relationships with Voice Pros who use the Platform for professional purposes, the protections provided for by Article 4 of Regulation (EU) 2019/1150 also apply, including the minimum 30-day notice for closure decisions, except in cases of serious breach.

Closure of the Account entails the termination of the right to access the Platform's features, the termination of the licence referred to in Section 17 and — in the case of Voice Pros — the end of the intermediation relationships. Obligations pending at the time of closure remain unaffected, including payment obligations towards Voice Pros for services already performed (subject to set-off for established disputes), documentary retention obligations imposed by law and Bull Marketing's rights to compensation for damage.

USER WITHDRAWAL. The User may close their Account at any time by submitting a request from the "Settings" section of the Platform or by writing to support@nymia.me. The effects already produced by the performance of transactions concluded before the withdrawal and the retention obligations provided for by law remain unaffected.

To the maximum extent permitted by applicable law, Bull Marketing excludes any liability for:

• the content published by Voice Pros or Users on the Platform, except as provided for in the event of actual knowledge of illegal content (Art. 6 DSA) and without prejudice to the removal procedures set out in Section 19;
• the performance of the services offered by Voice Pros to Users, including the quality of digital content, Lives and Calls;
• indirect, mediated or consequential damage, loss of profit, loss of business opportunities, loss of data or goodwill;
• temporary interruptions, slowdowns or malfunctions of the Platform, where attributable to scheduled maintenance, force majeure or the actions of Third-Party Providers;
• the actions of third parties who abusively access the User's Account due to breaches of the credential safekeeping obligations set out in Section 7.

Bull Marketing gives no express or implied warranty of fitness for a specific purpose, continuous availability, absence of errors or interoperability with the User's tools, except for the mandatory warranties provided for by law in favour of Consumers.

Where, notwithstanding the above exclusion, Bull Marketing is held liable towards the User, the overall liability shall in any case be limited, for each event and for all events occurring in each calendar year, to the total amount paid by the User to Bull Marketing (as intermediation fees) in the twelve months preceding the event giving rise to the liability.

THESE LIMITATIONS OF LIABILITY DO NOT APPLY in the event of wilful misconduct or gross negligence by Bull Marketing, liability for damage to the life or physical integrity of persons, mandatory liability under the Consumer Code or product liability legislation, nor more generally in cases where the limitation is excluded by law.

FORCE MAJEURE. Bull Marketing is not liable for the failure to perform, or the inexact performance of, the obligations assumed due to force majeure events or fortuitous events, including widespread failures of the Internet infrastructure, unavailability of Third-Party Providers (Stripe, LiveKit, MongoDB, Wasabi), orders of public authorities, strikes, natural disasters, acts of war or terrorism, pandemics.

The User and the Voice Pro undertake to indemnify, defend and hold harmless Bull Marketing, its subsidiaries, directors, employees, collaborators, agents and licensors from and against any claim, action, request for compensation, administrative sanction, judicial proceeding, expense (including reasonable legal fees) and damage of any nature arising from or connected with:

• the breach of these Terms or applicable law by the User or the Voice Pro;
• the publication, transmission or sharing of content that infringes third-party rights (including intellectual property rights, confidentiality, image, honour or reputation);
• the breach of the Voice Pro's tax or social security obligations;
• the unauthorised use of the Account, except where such use has been promptly reported pursuant to Section 7;
• the performance of the services offered by Voice Pros to Users;
• the introduction or dissemination of malware, viruses or malicious code through the use of the Platform.

Bull Marketing reserves the right to assume the legal defence of the claims subject to indemnification, without prejudice to the obligation of the User or the Voice Pro to cooperate in good faith and at their own expense with the Company for the purposes of the defence.

Nothing in this Section limits the mandatory rights of the Consumer User under Italian and European law.

Bull Marketing may amend these Terms at any time for technical, organisational, regulatory-compliance or security reasons, for the evolution of the services or to reflect changes in relationships with Third-Party Providers.

Except in cases of urgency (immediately applicable regulatory obligations, security needs, removal of void clauses), Bull Marketing will give prior notice of substantial changes:

• to Users, through a notice within the Platform and/or by email, with reasonable notice of at least fifteen days before entry into force, unless different timeframes are provided for by law;
• to Voice Pros, with notice of at least thirty days before entry into force, in accordance with Art. 3(2) of Regulation (EU) 2019/1150, unless the changes concern immediately applicable regulatory obligations, security needs or the removal of void clauses.

By continuing to use the Platform after the entry into force of the changes, the User and the Voice Pro express their acceptance of the new clauses. If the changes are not accepted, the User and the Voice Pro may withdraw from the contract by closing their Account according to the procedure indicated in Section 22, without costs other than those accrued at the time of withdrawal.

Bull Marketing maintains an archive of the published versions of these Terms; each User may request a copy of the version of the Terms in force at the time of their registration or of each transaction by writing to support@nymia.me.

These Terms are governed by Italian law. For anything not expressly provided for, the provisions of the Italian Civil Code, Legislative Decree 70/2003 (e-commerce), Legislative Decree 206/2005 (Consumer Code), Legislative Decree 173/2021 (contracts for the supply of digital content and services), Regulation (EU) 2016/679 (GDPR), Regulation (EU) 2022/2065 (DSA) and Regulation (EU) 2019/1150 (P2B) apply, in addition to any further legislation applicable by reason of the nature of the relationship.

JURISDICTION. For disputes that may arise between Bull Marketing and a User or Voice Pro not acting as a Consumer, the Court of Ferrara shall have exclusive jurisdiction.

For disputes with Consumer Users, the exclusive jurisdiction of the court of the Consumer's place of residence or elected domicile remains unaffected pursuant to Art. 66-bis of the Consumer Code.

ALTERNATIVE DISPUTE RESOLUTION. Pursuant to Regulation (EU) 524/2013, the Consumer User may access the European online dispute resolution (ODR) platform at https://ec.europa.eu/consumers/odr, indicating support@nymia.me as the operator's contact point. Bull Marketing is not currently bound to out-of-court resolution bodies pursuant to Art. 141-decies of the Consumer Code; any adhesion to a specific ADR body will be communicated through an update of these Terms.

Survival. The clauses of these Terms which by their nature are intended to survive the termination of the relationship (in particular Sections 15, 16, 17, 23, 24, 26 and 27) will continue to apply even after the closure of the Account.

Partial invalidity. Any invalidity, nullity or ineffectiveness of one or more clauses of these Terms does not prejudice the validity and effectiveness of the remaining clauses. Invalid clauses will be replaced by operation of law with those provided for by the law or applicable regulations.

Bull Marketing S.r.l.s. — Provider of the Nymia Platform

• Registered office: Via Minelli 23, 44042 Cento (FE), Italy
• Tax code and VAT no.: IT02178200388
• REA registration: FE-257774
• Website: www.nymia.me
• Support email for Users and Voice Pros: support@nymia.me
• Dedicated email for DSA reports and communication with authorities: report@nymia.me
• Single point of contact for competent authorities pursuant to Art. 11 of the DSA: report@nymia.me
• Single point of contact for recipients of the services pursuant to Art. 12 of the DSA: support@nymia.me

For requests relating to the processing of personal data and the rights provided for by the GDPR, please refer to the information contained in the Privacy Policy published on the Platform.