Terms & Conditions (AGB)

1. Contracting party, scope

The contracting party is the provider named in the imprint. By purchasing access or using the free demo, these Terms apply to the extent applicable to the respective service.

2. Subject matter

cashlog.org is software for the mathematical presentation and evaluation of portfolio data in your browser (locally). The scope of services results from the product description at the time of purchase.

3. Right of use (license)

After full payment, you are granted a simple, non-exclusive, non-transferable and non-sublicensable right to use the software in the form and within the scope of the provided functions for private or professional purposes. Any further transfer of access to third parties, public availability, reverse engineering (to the extent not legally mandatory permitted) and removal of copyright or proprietary notices are prohibited unless expressly agreed otherwise.

Your personal license key may be activated on up to three devices (each installation of the web app in a browser profile). For the same portfolio dataset, use the device sync feature described in the app; the license does not permit sharing the key so that other people run a separate portfolio. Once the device limit is reached, another device can use the license only after deactivation on a registered device (Options → License) or after release by the provider.

4. Contract formation, communication, storage

The purchase contract for paid access is concluded with acceptance of payment by the payment service provider or with our confirmation of the provision of access — depending on what becomes legally effective first in the respective checkout process. The contract language is English. Order data and payment confirmations are provided to you by Stripe and/or by email; you can save this information for your records.

5. Usage notice; no advice or financial services

cashlog.org is a purely informative software tool for analyzing and statistically evaluating financial data that you enter yourself. At no point does cashlog.org provide financial services, investment advice, or broker activities within the meaning of the Austrian Securities Supervision Act 2018 (WAG 2018).

The provided key figures and reports are for your personal overview and documentation only. They do not constitute a recommendation to buy, sell, or hold financial instruments and do not replace investment, legal, or tax advice. Any investment decision is your own responsibility.

6. Reference exchange rates (ECB)

The app may display ECB reference exchange rates (fetched via Frankfurter with an ECB filter) for currency conversion. These exchange rates are reference values, not your broker’s transaction or trading rates. The provider assumes no guarantee for completeness, timeliness, or suitability for tax purposes. For binding FX values, your institution’s documents are authoritative.

7. Liability

The provider is not liable for slight negligence vis-à-vis entrepreneurs (B2B). Vis-à-vis consumers (B2C), liability for slight negligence is also excluded unless no personal injury applies. The provider expressly assumes no liability for financial losses, lost profits, or tax disadvantages that arise for the user from investment decisions based on the calculations generated by the software.

Mandatory legal liability rules remain unaffected (e.g., in cases of intent, gross negligence, or breach of material contractual obligations, to the extent applicable).

8. No warranty for complete error-freeness

The software is provided as-is. The provider does not guarantee that the software is error-free or that certain XIRR calculations are mathematically exact under all conceivable circumstances.

9. Price, payment

The purchase price is communicated transparently on the product page at launch and results from the respective offer page at the time of purchase. Processing is carried out via the payment service provider Stripe. Stripe’s terms apply additionally.

10. Right of withdrawal for digital content

Consumers generally have a statutory right of withdrawal. Important: If you expressly agree that the performance of the contract (provision of access) begins before the end of the withdrawal period and you confirm your knowledge that by your consent you lose your right of withdrawal, the right of withdrawal expires upon receipt of access, provided that the statutory requirements are met.

The separate withdrawal instructions and a model withdrawal form can be found on the page Withdrawal. Before purchase, a short version is also provided on the Purchase page and, upon request, by email to info@cashlog.org.

11. Final provisions

Austrian law applies. The place of jurisdiction is, to the extent permitted by law, the provider’s registered office.