Terms of service / AGB

1. Subject matter

We provide a web-based calculation and visualisation tool for mortgages, loans, property costs and rental income. The service is provided as software as a service; you receive a non-exclusive, non-transferable right to use it for the duration of your subscription. There is no delivery of software to you.

The tool produces simulations based on the values you enter. It is not financial, tax or legal advice, not a credit offer, and not a substitute for advice from a licensed professional. You remain responsible for verifying every result before acting on it.

2. Conclusion of contract

The presentation of plans on the pricing page is not a binding offer. By selecting a plan and confirming the order button labelled “order with obligation to pay” you make a binding offer; the contract comes into effect when we confirm it by email or grant access to the paid features. The contract text is stored by us and sent to you with the order confirmation.

3. Trial phase

New accounts can test the service free of charge for 14 days with the scope stated on the pricing page. No payment details are required for the trial. The trial ends automatically and does not turn into a paid subscription unless you actively choose a plan.

4. Plans, prices and payment

The plans, their feature scope and their prices are those shown on the pricing page at the time of your order. All prices for consumers are total prices including statutory VAT. Payment is due in advance for each billing period through the payment methods offered at checkout.

We may adjust prices for future billing periods. We will notify you at least six weeks before the change takes effect; if you do not agree you may terminate to the date the new price would apply.

5. Term and termination

Subscriptions run for the billing period selected at checkout and renew automatically for the same period unless terminated. Consumer subscriptions concluded online can be terminated at any time with one month’s notice to the end of the current term, and after the first year at any time with one month’s notice (§ 312k, § 309 no. 9 BGB).

You can terminate at any time in the app under Settings → Plan & billing, or with the permanently available cancellation button — no login required. Termination is confirmed to you by email in text form. The right of both parties to terminate for cause remains unaffected.

After the contract ends you keep access until the end of the paid period. You can export your data at any time; we delete your account data on request or at the latest after the retention periods stated in the privacy policy.

6. Right of withdrawal

Consumers have a statutory right of withdrawal of 14 days. The details, the consequences and the model withdrawal form are set out separately in the withdrawal policy.

7. Your obligations

You are responsible for keeping your access credentials confidential and for the lawfulness of the data you enter. You may not misuse the service, circumvent plan limits, reverse engineer it, or resell access without our written consent.

8. Availability, changes and data

We aim for high availability but do not guarantee uninterrupted operation; maintenance windows and events beyond our control may cause downtime. We may enhance or change features as long as the agreed core functionality is preserved.

Cloud sync is a convenience feature, not a backup service. We recommend keeping your own export of your data; exports are available in the plans that include them.

9. Liability

We are liable without limitation for intent and gross negligence, for injury to life, body or health, and under the German Product Liability Act. For slight negligence we are liable only for breach of an essential contractual obligation (an obligation whose fulfilment makes proper performance possible and on whose observance you may regularly rely), and then limited to the foreseeable damage typical for this type of contract. Any further liability is excluded. We are not liable for financial decisions you take on the basis of simulated results.

10. Applicable law and dispute resolution

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer resident in the EU, you additionally enjoy the protection of the mandatory provisions of your country of residence.

The European Commission provides a platform for online dispute resolution at ec.europa.eu/consumers/odr. We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

Should individual provisions be or become invalid, the validity of the remaining provisions is unaffected. Questions: info@100vitalyears.com.