Terms of use

1. Provider and scope

The provider is Olga Graf und Marco Graf GbR, Mittelweg 26, 60318 Frankfurt am Main, Deutschland (brand: Westara; legal form: GbR). Managing partners: Olga Graf, Marco Graf. These terms apply to the public website and cloud SaaS offering. Self-hosted / Sovereign installs may be subject to separate licence terms; the instance operator is responsible for operations there.

2. Service description

Westara provides software tools for a private overview of household budget, spending, and investment assets (e.g. brokerage, cash, Bitcoin where enabled). Features depend on the selected plan as described on the plans page and in-account. We may evolve features while preserving core utility.

3. No financial, investment, tax, or legal advice

Westara is software for organising and displaying your data. We do not provide investment advice, portfolio management, tax advice, or legal advice. Metrics, charts, alerts, and AI outputs are non-binding assistance and do not replace professional advice. Decisions remain yours. Again: AI and product outputs are not a recommendation to buy, sell, or hold financial instruments or crypto-assets.

4. Bitcoin and crypto — non-custody

Where Bitcoin or crypto features are enabled, they are for overview only (e.g. watch-only via zpub or manual balances). We do not custody private keys, seed phrases, or crypto-assets and cannot authorise, send, or reverse on-chain transactions. You alone are responsible for the security of your wallets and keys.

5. Registration and account

An account is required for the app. You must provide accurate information, keep credentials confidential, and notify us of misuse. Registration may be limited or invite-only during early access. You are responsible for the lawfulness of data you import or enter (including bank and broker data).

6. Plans, prices, and payment

Free and paid plans are available. Current prices appear on the plans page and, unless stated otherwise, include statutory VAT (incl. VAT) for consumers in the EU. Billing runs through Stripe. Upgrades, downgrades, and cancellations are managed in-account where enabled.

7. Trials

Where a free trial (e.g. 34 days) is offered, the plans page conditions apply. After the trial, paid features may end unless a paid subscription starts. “No credit card” applies only where expressly advertised and implemented.

8. Term, automatic renewal, and cancellation

Free use may end anytime by deleting the account. Paid subscriptions run for the selected period (e.g. monthly or yearly) and renew automatically for the same period as agreed at checkout and permitted by law until you cancel.

Cancellation: you can usually cancel anytime effective at the end of the current period in-account (simple in-app path). After effective cancellation, paid access ends when the paid period expires; until then booked features remain available unless otherwise agreed. Extraordinary termination for cause remains unaffected. Checkout and plan/account displays will state automatic renewal where applicable.

9. Right of withdrawal (EU/EEA consumers)

If you are a consumer in the EU/EEA, you generally have a right of withdrawal for distance contracts and off-premises contracts.

• Withdrawal period: 14 days from the day the contract is concluded
• Exercise by clear statement (e.g. email to the imprint address or the model form below) before the deadline
• Effects of withdrawal: we reimburse all payments without undue delay and at the latest within 14 days of receiving the withdrawal, using the same means of payment unless expressly agreed otherwise; reimbursement is free of charge for you
• Early performance of digital content / services (§ 356(5) BGB): the right of withdrawal expires for a contract for the supply of digital content not supplied on a tangible medium if we have begun performance after you (1) have expressly requested that we begin performance before the withdrawal period ends, and (2) have acknowledged that you thereby lose your right of withdrawal once performance has begun. We collect both elements in product checkout as one combined affirmative control (checkbox) and store them with a timestamp and version marker for the contract file (including Stripe metadata where Stripe is used). Without that confirmation we do not begin digital performance early solely because the contract was concluded

10. Model withdrawal form

To: Olga Graf und Marco Graf GbR, Mittelweg 26, 60318 Frankfurt am Main, Deutschland, email: early-access@westara.io

I/We hereby withdraw from the contract concluded by me/us for the following service: Westara SaaS subscription. Ordered on / received on: ___. Name of consumer(s): ___. Address of consumer(s): ___. Date: ___. Signature of consumer(s) (only if notified on paper): ___.

11. Acceptable use

You receive a simple, non-transferable right to use Westara as intended under your plan. You must not abuse the service, bypass security, introduce malware, run automated bulk queries beyond intended use, or infringe third-party rights. You are responsible for the lawfulness of data you import and for compliance with applicable finance and privacy rules in your sphere of responsibility.

12. Availability

We aim for high availability but do not guarantee uninterrupted access or a fixed SLA unless separately agreed in writing. Maintenance, force majeure, and infrastructure provider outages may cause interruptions. For self-hosted installs, operations are your responsibility.

13. Liability

We are liable without limitation for intent and gross negligence, injury to life, body, or health, and under the Product Liability Act. For slight negligence we are liable only for breach of essential contractual duties (cardinal duties), limited to foreseeable, typical damage. Liability for lost profits, indirect damages, and data loss is excluded to the extent permitted by law, except where caused intentionally or by gross negligence. You should keep your own regular exports/backups.

14. Data export and deletion on termination

You have a contractual right, before and upon account termination, to export your personal data and in-app financial content data in a structured, commonly used, machine-readable format where technically available in the app or on request to early-access@westara.io.

After account deletion we delete or anonymise your content and account data within operational windows (typically within 30 days), unless legal retention applies (in particular invoice data, typically 6–10 years). The privacy policy applies in addition.

15. Privacy

Our privacy policy applies in addition. Processors, international transfers, cookies, and data-subject rights are described there. The privacy policy forms part of these terms insofar as it concerns processing under the contract.

16. Changes to these terms

We may update these terms for valid reasons (e.g. legal changes, new features, security requirements). We will inform you of material changes in an appropriate way (e.g. email or in-app notice) with reasonable advance notice and state the planned effective date. For consumers: material adverse changes require your consent or entitle you to terminate as of the effective date without loss of the prepaid period; mere continued use is not treated as consent to material adverse changes where mandatory law so requires. Minor or purely beneficial clarifications may take effect after prior notice. On objection to non-material changes we may end the contract at the next available date; prepaid fees for unused periods are refunded pro rata where required by law or contract.

17. Final provisions

The laws of the Federal Republic of Germany apply, excluding the UN CISG. Mandatory consumer protections of your country of residence remain unaffected. Venue for merchants is Frankfurt am Main where permitted. If any clause is invalid, the remainder stays in force.

Contact: early-access@westara.io
Phone: +49 69 9000 9000