Terms of Service

These Terms of Service (the “Terms”) govern the rights and obligations between the operator of the FinGather application and its users.

1. Operator Identification

Operator: Marek Skopal (sole trader)

Registered address: Kigginsova 1482/12a, 635 00 Brno, Czech Republic

Company ID: 06729258

VAT ID: CZ8809104172

E-mail: info@fingather.com

(hereinafter referred to as the “Operator”)

2. Definitions

  • Application – the FinGather web or mobile application used for portfolio management and analysis.
  • User – any natural or legal person using the Application.
  • Services – functionalities and services provided through the Application.
  • Account – a user account created within the Application.

3. Description of Services

  1. FinGather is a software application intended for investment portfolio management and analysis.
  2. The Services include in particular:
    • recording of investment assets (stocks, ETFs, cryptocurrencies, funds, bonds, etc.),
    • manual and automated data import (CSV, Excel, API integrations),
    • analytical overviews of performance, dividends, currency risk, fees and taxes,
    • portfolio comparison with selected investment benchmarks.
  3. The Application may use third-party APIs, in particular the Trading212 API, for the purpose of data import or synchronization.
  4. The Application does not provide investment advice within the meaning of applicable laws. All information presented in the Application is for informational purposes only and does not constitute investment advice, an offer, or a solicitation to engage in any investment transaction.

4. Registration and User Account

  1. Registration may be required to access certain Services.
  2. The User is obliged to provide accurate and up-to-date information.
  3. The User is responsible for safeguarding their login credentials.
  4. The Operator is not liable for misuse of the Account by third parties.

5. Pricing, Plans and Payment Terms

  1. The Application is offered in the following plans:
    • Free – free of charge with limited functionality,
    • Investor – paid plan priced at USD 8 per month or USD 80 per year,
    • Pro – paid plan priced at USD 16 per month or USD 160 per year.
  2. Upon registration, the User is automatically granted a Trial plan for 30 days, functionally equivalent to the Pro plan.
  3. After the Trial period expires, the Account is automatically downgraded to the Free plan unless the User selects and pays for a paid plan.
  4. Paid plans are provided as recurring month or annual subscriptions.
  5. By purchasing a subscription, the User agrees to automatic renewal for subsequent billing periods unless the subscription is cancelled before renewal.
  6. The User may cancel the subscription at any time via their Account; the subscription remains active until the end of the paid period.
  7. Subscription fees are non-refundable, unless mandatory applicable law provides otherwise.

6. Rights and Obligations of the User

The User undertakes to: - use the Application in compliance with applicable laws, - refrain from interfering with the technical operation of the Application, - not misuse the Application for unlawful or harmful purposes.

7. Rights and Obligations of the Operator

  1. The Operator is entitled to modify, update, expand or restrict the Application or its functionality at any time.
  2. The Operator may temporarily or permanently limit availability of the Application, in particular due to maintenance, security, technical issues or changes by third parties.
  3. The Operator is entitled to suspend or terminate an Account in case of violation of these Terms.
  4. The Operator is not responsible for the performance or availability of third-party services.

8. Limitation of Liability

  1. Use of the Application is at the User’s own risk.
  2. The Operator shall not be liable for:
    • any investment decisions made by the User,
    • financial losses, lost profits or indirect damages arising from the use of the Application,
    • accuracy, completeness or timeliness of data obtained from third parties, including Trading212,
    • temporary or permanent unavailability of the Services due to technical issues, force majeure or third-party actions.
  3. To the maximum extent permitted by applicable law, the Operator’s total liability is limited to the amount of the subscription fee paid by the User for the last billing period.

9. Third-Party APIs

  1. The Application may use third-party services and APIs, in particular the Trading212 API.
  2. The Operator is not the owner or operator of such services and has no control over their availability, functionality or content.
  3. The Operator shall not be liable for:
    • changes, limitations or termination of third-party APIs,
    • inaccuracies or delays in data provided via such APIs,
    • any damages resulting from the use of third-party services.
  4. Use of third-party APIs may be subject to the terms and conditions of the respective providers, which the User is obliged to comply with.

10. Intellectual Property

  1. The FinGather Application, its name, logo, user interface, databases, structure, design and other components are protected by intellectual property laws.
  2. Unless expressly stated otherwise, the Operator grants the User a non-exclusive, non-transferable and limited license to use the Application for personal or internal purposes only.
  3. Parts of the Application may be provided as open-source software and are governed by their respective open-source licenses.
  4. The User is not entitled to copy, modify, distribute or otherwise exploit the Application beyond the granted license.

11. Language Versions

  1. These Terms may be prepared in Czech and English language versions.
  2. In case of any discrepancy between language versions, the English version shall prevail.

12. Personal Data Protection

Personal data protection is governed by a separate document, the Privacy Policy, available within the Application or on the Operator’s website.

13. Final Provisions

  1. These Terms are governed by the laws of the Czech Republic.
  2. The Operator reserves the right to amend these Terms unilaterally.
  3. Users will be informed of any changes through the Application.

These Terms and Conditions are valid and effective as of 08-02-2026.