Terms of service

Agreement to our legal terms

The Services are operated by Matthias Frederik Maria Lanser, a natural person conducting business in Czechia, doing business as wealthbase ("Company," "we," "us," or "our"), registered in Czechia.

We operate the website https://wealthbase.io (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").

wealthbase is a personal finance and wealth management platform that helps users organize, track, analyze, and plan their financial life. The platform provides tools for managing financial accounts, transactions, balances, transfers, liabilities, investments, uploaded files, categories, and personal settings. It includes financial insights and planning features such as net worth tracking and predictions, cashflow analysis, income and spending breakdowns, account and currency allocation, investment insights, scenario simulations, retirement planning, and other wealth planning tools.

You can contact us by email at info@wealthbase.io

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and wealthbase concerning your access to and use of the Services. By accessing the Services, you agree that you have read, understood, and agreed to be bound by all of these Legal Terms. If you do not agree with all of these Legal Terms, then you are expressly prohibited from using the Services and must discontinue use immediately.

We will provide you with prior notice of any scheduled changes to the Services you are using. Modified Legal Terms will become effective when posted or when we notify you by email. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

Table of contents

1. Our services
2. Intellectual property rights
3. User representations
4. User registration
5. Purchases and payment
6. Subscriptions
7. Prohibited activities
8. User generated contributions
9. Contribution license
10. Services management
11. Privacy policy
12. Term and termination
13. Modifications and interruptions
14. Governing law
15. Dispute resolution
16. Corrections
17. Disclaimer
18. Limitations of liability
19. Indemnification
20. User data
21. Electronic communications, transactions, and signatures
22. Miscellaneous
23. Contact us

1. Our services

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Those who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

2. Intellectual property rights

Our intellectual property

We are the owner or licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws and other intellectual property rights and unfair competition laws around the world. The Content and Marks are provided in or through the Services "as is" for your personal, non-commercial use only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the Prohibited Activities section below, we grant you a non-exclusive, non-transferable, revocable license to access the Services and download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in these Legal Terms, please contact info@wealthbase.io. If we grant permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors and ensure that any copyright or proprietary notice appears or is visible.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these intellectual property rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions

Please review this section and the Prohibited Activities section carefully before using our Services to understand the rights you give us and the obligations you have when you post or upload any content through the Services.

Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

You are responsible for what you post or upload: By sending us Submissions through any part of the Services, you confirm that you have read and agree with our Prohibited Activities and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening, sexually explicit, false, inaccurate, deceitful, or misleading.

To the extent permissible by applicable law, you waive any and all moral rights to such Submissions. You warrant that any Submissions are original to you or that you have the necessary rights and licenses to submit them, that you have full authority to grant us the rights described above, and that your Submissions do not constitute confidential information.

You are solely responsible for your Submissions and agree to reimburse us for any losses that we may suffer because of your breach of this section, any third party's intellectual property rights, or applicable law.

3. User representations

By using the Services, you represent and warrant that:

1. all registration information you submit will be true, accurate, current, and complete;
2. you will maintain the accuracy of such information and promptly update it as necessary;
3. you have the legal capacity and agree to comply with these Legal Terms;
4. you are not a minor in the jurisdiction in which you reside;
5. you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise;
6. you will not use the Services for any illegal or unauthorized purpose;
7. your use of the Services will not violate any applicable law or regulation.

If you provide information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any current or future use of the Services.

4. User registration

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. Purchases and payment

We accept Mastercard and Visa.

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to prices as required. We may change prices at any time. All payments shall be in euros.

You agree to pay all charges at the prices then in effect for your purchases and authorize us to charge your chosen payment provider for such amounts. We reserve the right to correct pricing errors, even if we have already requested or received payment. We may refuse, limit, or cancel any order placed through the Services.

6. Subscriptions

Billing and renewal

Your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge until you cancel. The length of your billing cycle will depend on the subscription plan you choose.

Free trial

We offer a 30-day free trial to new users who register with the Services. The account will be charged according to the user's chosen subscription at the end of the free trial.

Cancellation

You can cancel your subscription at any time by logging into your account. Your cancellation will take effect at the end of the current paid term. If you have questions or are unsatisfied with our Services, please email info@wealthbase.io.

Fee changes

We may, from time to time, make changes to the subscription fee and will communicate price changes to you in accordance with applicable law.

7. Prohibited activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with commercial endeavors except those specifically endorsed or approved by us.

As a user of the Services, you agree not to:

• systematically retrieve data or content to create or compile a collection, compilation, database, or directory without written permission from us;
• trick, defraud, or mislead us or other users, especially in any attempt to learn sensitive account information;
• circumvent, disable, or otherwise interfere with security-related features of the Services;
• disparage, tarnish, or otherwise harm us or the Services;
• use information obtained from the Services to harass, abuse, or harm another person;
• make improper use of support services or submit false reports of abuse or misconduct;
• use the Services in a manner inconsistent with applicable laws or regulations;
• engage in unauthorized framing of or linking to the Services;
• upload or transmit viruses, Trojan horses, spam, or other material that interferes with any party's use of the Services;
• engage in automated use of the system, including scripts, data mining, robots, or similar tools;
• delete copyright or other proprietary rights notices from any Content;
• attempt to impersonate another user or person or use another user's username;
• upload or transmit material that acts as a passive or active information collection or transmission mechanism;
• interfere with, disrupt, or create an undue burden on the Services or connected networks;
• harass, annoy, intimidate, or threaten employees or agents providing any portion of the Services;
• attempt to bypass measures designed to prevent or restrict access to the Services;
• copy or adapt the Services' software except as permitted by applicable law;
• decipher, decompile, disassemble, or reverse engineer software comprising any part of the Services except as permitted by applicable law;
• use, launch, develop, or distribute unauthorized automated systems, scrapers, offline readers, scripts, or similar software;
• use a buying agent or purchasing agent to make purchases on the Services;
• make unauthorized use of the Services, including collecting usernames or email addresses or creating accounts by automated means or false pretenses;
• use the Services as part of any effort to compete with us or for any revenue-generating endeavor or commercial enterprise not approved by us.

8. User generated contributions

The Services do not offer users the ability to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including text, writings, video, audio, photographs, graphics, comments, suggestions, personal information, or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. Contributions you transmit may be treated in accordance with the Privacy Notice.

When you create or make available Contributions, you represent and warrant that:

• your Contributions do not and will not infringe the proprietary rights of any third party;
• you own or have the necessary licenses, rights, consents, releases, and permissions to use and authorize us and other users to use your Contributions;
• you have written consent, release, and/or permission from each identifiable person in your Contributions to use their name or likeness;
• your Contributions are not false, inaccurate, or misleading;
• your Contributions are not unsolicited advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other solicitation;
• your Contributions are not obscene, lewd, violent, harassing, libelous, slanderous, or otherwise objectionable;
• your Contributions do not ridicule, mock, disparage, intimidate, abuse, harass, or threaten anyone;
• your Contributions do not violate any applicable law, regulation, or rule;
• your Contributions do not violate privacy or publicity rights of any third party;
• your Contributions do not violate laws concerning child pornography or otherwise intended to protect minors;
• your Contributions do not include offensive comments connected to race, national origin, gender, sexual preference, or physical handicap;
• your Contributions do not otherwise violate, or link to material that violates, these Legal Terms or applicable law.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in termination or suspension of your rights to use the Services.

9. Contribution license

You and wealthbase agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Notice and your choices, including settings.

By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert ownership over your Contributions. You retain full ownership of your Contributions and any associated intellectual property rights or other proprietary rights. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions and agree to exonerate us from responsibility and refrain from legal action against us regarding your Contributions.

10. Services management

We reserve the right, but not the obligation, to monitor the Services for violations of these Legal Terms; take appropriate legal action against anyone who violates the law or these Legal Terms; refuse, restrict, limit, or disable access to any of your Contributions; remove or disable files and content that are excessive in size or burdensome to our systems; and otherwise manage the Services in a manner designed to protect our rights and property and facilitate proper functioning of the Services.

11. Privacy policy

We care about data privacy and security. Please review our Privacy Notice. By using the Services, you agree to be bound by our Privacy Notice, which is incorporated into these Legal Terms. The Services are hosted in Germany. If you access the Services from another region with laws governing personal data collection, use, or disclosure that differ from applicable laws in Germany, then through your continued use of the Services, you are transferring your data to Germany and consent to have your data transferred to and processed in Germany.

12. Term and termination

These Legal Terms shall remain in full force and effect while you use the Services. Without limiting any other provision of these Legal Terms, we reserve the right, in our sole discretion and without notice or liability, to deny access to and use of the Services to any person for any reason or no reason, including breach of these Legal Terms or any applicable law or regulation. We may terminate your use or participation in the Services or delete your account and any content or information that you posted at any time, without warning, in our sole discretion.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if acting on behalf of that third party. We reserve the right to take appropriate legal action, including civil, criminal, and injunctive redress.

13. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. We have no obligation to update information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance, resulting in interruptions, delays, or errors. We reserve the right to revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice. You agree that we have no liability for any loss, damage, or inconvenience caused by your inability to access or use the Services during downtime or discontinuance.

14. Governing law

These Legal Terms are governed by and interpreted following the laws of Czechia, and the use of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. If your habitual residence is in the EU and you are a consumer, you additionally possess the protection provided by obligatory provisions of the law in your country of residence. You and wealthbase agree to submit to the non-exclusive jurisdiction of the courts of Prague, which means that you may make a claim to defend your consumer protection rights in Czechia or in the EU country in which you reside.

15. Dispute resolution

Informal negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute"), the parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one party to the other.

Binding arbitration

Any dispute arising from the relationships between the parties to these Legal Terms shall be determined by one arbitrator chosen in accordance with the Arbitration and Internal Rules of the European Court of Arbitration, part of the European Centre of Arbitration having its seat in Strasbourg, in force at the time the application for arbitration is filed. The seat of arbitration shall be Prague, Czechia. The language of the proceedings shall be Czech. Applicable substantive law shall be the law of Czechia.

Restrictions

The parties agree that any arbitration shall be limited to the Dispute between the parties individually. To the full extent permitted by law, no arbitration shall be joined with any other proceeding, no Dispute may be arbitrated on a class-action basis, and no Dispute may be brought in a purported representative capacity on behalf of the general public or other persons.

Exceptions

Disputes seeking to enforce or protect intellectual property rights, Disputes related to allegations of theft, piracy, invasion of privacy, or unauthorized use, and claims for injunctive relief are not subject to the informal negotiation and arbitration provisions above. If this provision is found illegal or unenforceable, the applicable Dispute shall be decided by a court of competent jurisdiction within the courts listed above.

16. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information on the Services at any time, without prior notice.

17. Disclaimer

The Services are provided on an as-is and as-available basis. You agree that your use of the Services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the Services and your use of them, including implied warranties of merchantability, fitness for a particular purpose, and noninfringement.

We make no warranties or representations about the accuracy or completeness of the Services' content or the content of any websites or mobile applications linked to the Services, and we assume no liability or responsibility for errors, personal injury or property damage, unauthorized access to secure servers or stored information, interruptions, bugs, viruses, or loss or damage incurred from use of any content made available via the Services.

We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Services, any hyperlinked website, or any website or mobile application featured in advertising. You should use your best judgment and exercise caution where appropriate.

18. Limitations of liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the Services, even if we have been advised of the possibility of such damages.

Notwithstanding anything to the contrary, our liability to you for any cause and regardless of the form of action will at all times be limited to the amount paid, if any, by you to us during the six (6) month period prior to any cause of action arising. Certain laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If those laws apply to you, some or all of the above disclaimers or limitations may not apply, and you may have additional rights.

19. Indemnification

You agree to defend, indemnify, and hold us harmless, including our affiliates and respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of your use of the Services, breach of these Legal Terms, breach of your representations and warranties, violation of third-party rights, or any overt harmful act toward another user of the Services.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

20. User data

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of such data, and you waive any right of action against us arising from such loss or corruption.

21. Electronic communications, transactions, and signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing.

You agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the Services. You waive any rights or requirements under laws in any jurisdiction that require an original signature or delivery or retention of non-electronic records, or payments or granting of credits by means other than electronic means.

22. Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision shall not operate as a waiver. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time.

We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision is determined to be unlawful, void, or unenforceable, that provision or part is deemed severable and does not affect the validity and enforceability of remaining provisions.

There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You waive any defenses based on the electronic form of these Legal Terms and the lack of signing by the parties.

23. Contact us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: info@wealthbase.io