Terms of use

1. Provider and scope

The provider is Westara GbR, Inhaber Marco Graf und Olga Graf, Mittelweg 26, 60318 Frankfurt am Main, Deutschland (brand: Westara; legal form: GbR). 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 change features for a valid reason (e.g. security, a change in the law, technical development); this causes you no additional cost, and we inform you clearly and comprehensibly. If a change impairs your access or the usability more than insignificantly, we inform you in good time in advance on a durable medium; you may then end the contract free of charge within 30 days of receiving the information or of the change, whichever is later.

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. Prices for new contracts are shown on the plans page and are final prices. As a small business under Section 19 of the German VAT Act (UStG), we do not charge or show VAT.

The price agreed when you booked applies to a running subscription. A price increase for your running subscription takes effect only if you expressly agree to it (e.g. by clicking "Agree to new price"). Silence or continued use is not consent. If you don't agree, your subscription continues at the old price; we may then only end it with one month's notice to the end of a billing period. We pass price reductions on to you.

Founder price. For Solo or Family subscriptions booked up to and including 31 Dec 2026, the prices shown for that plan at booking (monthly and yearly) apply as the founder price for as long as the subscription continues without a break. Switching between monthly and yearly billing within the same plan keeps the founder price; the founder price of the new billing period then applies. Switching to another plan, the end of the subscription (including by cancellation or moving to the free plan) or a transfer ends the founder price; the then-current prices apply after that. A failed payment settled before the subscription ends because of it is not a break. Changes to the members of a Family subscription do not affect the founder price.

Billing runs through Stripe (card). Upgrades, downgrades, and cancellations are managed in-account where enabled.

Paid plan changes (e.g. Solo and Family) start in-account. On card billing (Stripe), features of the target plan apply when you confirm; unused time on the previous plan is prorated: on an upgrade, against the remaining charge for the current period; on a downgrade, as credit on the next invoice. A plan change does not refund the original payment method (card). Switching to Solo requires the household to meet the Solo seat limit (one person).

The statutory right of withdrawal (section 9) remains unaffected and is not a right to a mid-cycle pro-rata refund for switching plans.

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 monthly card subscriptions (Stripe) run for the selected period and renew automatically for the same period as agreed at checkout and permitted by law until you cancel. After the agreed term, yearly subscriptions continue for an indefinite period and may then be cancelled at any time with one month's notice; we refund prepaid fees for the time after the contract ends on a pro-rata basis.

Cancellation: on card billing you can usually cancel anytime effective at the end of the current period using the “Cancel contracts here” button on our website or in your account. After effective cancellation, paid access ends when the paid period expires; until then booked features remain available unless otherwise agreed. Cancelling at period end does not entitle you to a pro-rata refund of prepaid fees, except for a yearly subscription after its agreed term. 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. Changing plan during a subscription (e.g. Family to Solo) is not a withdrawal and does not entitle you to a refund to the original payment method.

• 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: Westara GbR, Mittelweg 26, 60318 Frankfurt am Main, Deutschland, email: legal@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 legal@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. Changes to the price or to the core of the service take effect for consumers only with their express consent; silence or continued use is not consent. Purely beneficial changes and editorial clarifications without change in substance may take effect after prior notice. Any other change that is adverse to you takes effect only with your express consent. If you don't agree to a change, we may end the contract with one month's notice to the end of a billing period; we refund prepaid fees for the time after that pro rata.

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. The German version of these terms is legally binding; other language versions are for information.

Contact: legal@westara.io

MCP interface

(1) The MCP interface is an optional, free extra feature with read-only access; we may discontinue it with reasonable notice.
(2) You must keep your access token secret; if you suspect misuse, revoke it in the app at once.
(3) The provider of the AI tool you choose is solely responsible for that tool's content, answers, and data processing; we are not liable for them. Our liability under section 13 (intent, gross negligence, cardinal duties, life, body, and health) remains unaffected.
(4) Scope: your own and the household's joint data, not another member's private data. You may revoke anytime in the app.
(5) Bookings relating to special categories under Art. 9 GDPR are hidden by default on the MCP interface and excluded from totals. Transmission of such data to AI clients you grant happens only after separate in-app consent and — in the current version — only for your own accounts; joint accounts stay hidden. You may revoke anytime in the app; masking then applies again.