This service is brought to you by Andrei Bolkisev, an individual entrepreneur from Tbilisi. This document lays out our mutual obligations regarding the use of the service (not so much from my side, though).
The Agreement
Before using the Service you must thoroughly read this document.
By using the Service you express your agreement to comply with the terms set forth and their implications.
I can modify this Terms at any time, with the notification posted at the News feed (RSS). Your continued usage of the Service after that means you have read and accepted the changes. As I usually have no means to reach you directly, it is your responsibility to check for updates in this document.
These Terms make up the entire agreement between us in relation to its subject matter and supersede all prior agreements, representations, and understandings. Any agreements amending this Terms must be concluded in writing and signed by both parties with legally-binding digital signatures.
The Service
This Service provides you computational tools to perform a number of tasks regarding investment portfolio management. The obtained results do not constitute investment advice and you should never regard them as such. The Service is meant to facilitate financial planning work, and not to replace a financial advisor.
The Service is not directed to, nor intended for use by, any person or entity in any jurisdiction or country where the availability or the use of this Service would be contrary to local laws or regulations. If you use this Service, it is your responsibility to know and comply with the applicable laws.
I do not warrant that the obtained results will be optimal, feasible, reliable or even correct. If you don't know how (or don't want to) check the correctness and feasibility of the results, you should not use this Service.
Unless we enter into a specific Service Level Agreement, I do not warrant that your use of the Service will be uninterrupted and timely.
Thus, I'm not liable any direct or indirect damages resulting from your use or the inability to use the service.
Legitimate Use
You may use the service only for its stated purpose, and only those parts of the service you have been duly granted access to.
You must not try to circumvent restrictions imposed on your account or otherwise obtain access to functionality you are not entitled to.
You must not to reproduce, duplicate, copy, sell, resell or exploit any part of the Service without written permission from me.
You must not abuse or attempt any other (both technical and not) destructive actions against the Service.
Several people may use the Service from a single device or even a single account, regardless of the account type.
You must have an active Business/Corporate subscription in order to use the Service in rendering professional or commercial services.
Privacy and Security
All communications with the server occur through secured encrypted channels.
No data is sent to the server until you make an explicit request (by following a link or pressing a button).
No data is shared with third-parties, unless explicitly stated at the decision point. (Of course, the data is stored somewhere and transmitted through many servers of various infrastructure providers; I don't count this as sharing because I do not endorse any of them to peek into the data, though it is beyond my means to prevent that possibility.)
The calculation requests are sent in anonymized and scaled form. Neither any names, nor actual asset prices and quantities are transferred.
All data gets encrypted in your browser, and cannot be decrypted without the knowledge of your username and passphrase. Your username and passphrase are not sent to the server.
It is your responsibility to maintain the security of your computer, browser, username and passphrase. I have no control over it.
Data Processing and Retention Policy
You will always have access to your data if it is technically possible (i.e. the Service is available and the data is not lost, deleted or overwritten by your request).
Upon receiving a request, the server logs your IP address and the request contents. This information is retained for 3 days in order to detect abuse.
For calculation requests, the timestamp and complexity of the request gets recorded in your account statistics. Actual requests are not stored.
You can request deletion of your account at any time. The deleted data cannot be recovered.
Your purchases, usage statistics, invoices and payment documents are kept indefinitely for tax, auditing and dispute-resolving purposes.
The servers are located in the EU (at Hetzner) and USA (in the Oracle Cloud).
Payments and tariffs
The subscription fees are billed in advance on a monthly/yearly basis. There will be no refunds or credits for partial months of service, upgrade/downgrade refunds, or refunds for months unused with an active subscription.
Compute costs exceeding the threshold are charged against the «complexity points» balance in your account. You have to buy complexity points in advance. Complexity points do not expire, have no cash value, and cannot be refunded or redeemed for cash.
Only illegitimate/erroneous payments will be refunded, in which case I withhold payment processing fees and other expenses related to receiving and refunding your payment.
If I raise subscription fees because of deploying new functionality, the price of your active subscription is not affected unless you terminate it or fail to renew within two weeks after expiration.
If I raise subscription fees because of inflation or third-parties increasing prices, your subscription will be terminated automatically at the end of the next billing cycle. Thus, no charges you have not explicitly approved.
If I raise/restructure compute costs in a way that significantly devaules you complexity points, I shall make an appropriate adjustment to your account balance.
Subscription termination will take effect at the next renewal date (since I offer no refunds, I cannot terminate the already paid period mid-term). The complexity points balance will remain intact until the Service cease to exist.
Liability
The Service is provided as-is and I don’t provide warranties, conditions, or undertakings of any kind in relation to the Service, either express or implied. This includes, but isn’t limited to, warranties of merchantability and fitness for a particular purpose, data loss, merchantability, or non-infringement or any warranties with respect to the accuracy, reliability, or availability.
I won’t be liable for any indirect, punitive, special, or consequential damages, including any loss of data, profits, revenues, business opportunities, goodwill, or anticipated savings under any circumstances, even if they’re based on my negligence or I’ve been warned of the possibility of those damages.
The total liability to you arising out of or relating to the Terms — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — will be no more than what you paid for the Service the month preceding the claim.
You agree to indemnify and hold me harmless from any losses, damages, judgments, fines, and costs, including legal fees and expenses in connection with any claims you make that aren’t allowed under these Terms.
You also agree to indemnify and hold me harmless from any losses, damages, judgments, fines, and costs, including legal fees and expenses, in connection with any claims arising out of or relating to your use of the Service, your violation of any laws or regulations, or any misrepresentations made by you.
Regardless of whether you reside, this Terms are governed by the laws of the Republic of Georgia and the Georgian Courts have exclusive jurisdiction to determine any matter or dispute in connection with or arising out of this Service and this Terms.