Terms and conditions

1. Scope and contracting party

1.1 These terms apply to the use of the StockLife application, available at stocklife.io and as an app for mobile operating systems, and to all contracts for paid features concluded through it.

1.2 The provider is Larisa Schlosser, Erlenhain 16, 88480 Achstetten, Germany (“we”). Full details are given in the imprint.

1.3 A consumer within the meaning of section 13 of the German Civil Code (BGB) is anyone who concludes the contract for purposes that are predominantly outside their trade, business or profession. An entrepreneur within the meaning of section 14 BGB is anyone acting in the exercise of such an activity.

1.4 Deviating terms of users do not become part of the contract unless we expressly agree to them in text form.

2. Subject of the service

2.1 StockLife is an information service for prices, key figures, news and the independent keeping of a portfolio journal. The basic scope can be used free of charge.

2.2 StockLife Pro extends the range of functions for a recurring fee. Which functions are included follows from the description on the pricing page or in the purchase dialog of the respective store at the time the contract is concluded.

2.3 We owe the provision of the service in its current version, not a particular result. In particular, we do not owe the accuracy, completeness or timeliness of third-party market data, nor any particular economic outcome.

2.4 We may develop the service further, change functions and discontinue individual functions, provided this is reasonable for you and does not impair the agreed core of the service. If a change impairs the core of the agreed service more than insignificantly, we will inform you in text form at least 30 days in advance; in that case you may terminate the contract free of charge within 30 days of receiving the notice (section 327r BGB).

3. No advisory contract

3.1 The subject of the contract is exclusively the provision of information and tools. No advisory contract is concluded. We do not provide investment advice, investment brokerage or any other financial service that requires authorisation.

3.2 All presentations, calculations and assessments are non-binding and are no substitute for individual advice. You make investment decisions on your own responsibility. See the section No investment advice.

4. Account

4.1 An account is required for syncing between devices and for paid features. Sign-in takes place through a sign-in service that we have integrated.

4.2 You are obliged to protect your access credentials from access by third parties. The recovery code for the encrypted device sync is generated exclusively on your device and is not transmitted to us. If the recovery code is lost, the stored data is permanently unreadable; we are technically unable to restore it. Please keep it in a separate place.

4.3 An account is not transferable. Use is permitted for persons aged 16 and over.

5. Conclusion of contracts for paid services

5.1 Purchase in the Apple App Store or on Google Play

If you take out the subscription through the Apple App Store or Google Play, the contract for the paid service is concluded between you and the respective store operator under its terms. Billing, payment, renewal, cancellation and refunds are governed by the store’s terms. We only receive from the store the information whether a valid entitlement exists.

5.2 Purchase directly on this website

The presentation of the subscriptions on the pricing page is not a binding offer but an invitation to make one. By clicking the button that completes the payment process, you submit a binding offer. The contract is concluded when we confirm it in text form or when the service is activated. Before submitting, you can check and correct your entries; the text of the contract is sent to you with the confirmation and is stored by us. The language of the contract is German.

5.3 In accordance with section 312j (3) BGB, the button that completes the purchase is clearly labelled as an order with an obligation to pay.

6. Prices and payment

6.1 The prices displayed at the time the contract is concluded apply. All prices for consumers are final prices and include statutory value added tax.

6.2 The fee is due in advance for the respective billing period.

6.3 We will notify you of price changes for running subscriptions in text form at least six weeks before they take effect. If you neither object nor cancel before the change takes effect, the change is deemed accepted; we will point out this consequence separately in the notice. For a purchase through a store, the procedure is governed by the store’s terms.

7. Term and cancellation

7.1 The subscription runs for the chosen period — monthly or yearly — and renews automatically for the same period each time unless it is cancelled in good time.

7.2 For a purchase through a store, you cancel exclusively in the subscription management of that store. A cancellation addressed to us cannot technically end a subscription running there.

7.3 For a purchase on this website, you may cancel at any time with effect from the end of the current billing period. For this purpose the “cancel contracts here” function under section 312k BGB is available: Cancel a contract. Cancellation is also possible informally by email. We confirm receipt, time and effect of the cancellation in text form.

7.4 The right of both parties to terminate for good cause remains unaffected.

7.5 After the subscription ends, the free functions remain usable. Data stored locally remains on your device.

8. Right of withdrawal

Consumers have a statutory right of withdrawal when a contract is concluded on this website. Details, the instruction and the model withdrawal form can be found under Right of withdrawal. For a purchase through a store, withdrawal and refunds are governed by the store’s terms.

9. Obligations of users

9.1 You undertake not to misuse the service. In particular, the following are prohibited:

• automated extraction of content beyond the usual extent, unless expressly permitted;
• measures that impair availability, such as overload attacks;
• circumventing technical access or entitlement barriers;
• passing on access credentials to third parties;
• systematic redistribution of retrieved market data to third parties.

9.2 In the event of a serious or repeated breach, we may temporarily block access and terminate the contract for good cause. Before a permanent block, we will inform you of the breach and give you the opportunity to comment, unless this is exceptionally unreasonable.

10. Availability

10.1 We strive for high availability but do not owe a particular availability rate. Maintenance work, disruptions at upstream providers and events of force majeure may lead to interruptions.

10.2 Where possible, we schedule plannable maintenance at times of low demand and announce it if it is expected to last longer than one hour.

11. Rights of use

11.1 For the term of the contract we grant you a simple, non-transferable right to use the service for your own purposes. No further rights are transferred.

11.2 The data you enter remains yours. We obtain no rights to it beyond what is necessary to operate the service.

11.3 Third-party market data is subject to the terms of the respective rights holder. It may be used exclusively within the service and for your own purposes.

12. Liability

12.1 We are liable without limitation for intent and gross negligence, for injury to life, body or health, for fraudulent concealment of a defect, to the extent of a guarantee we have assumed, and under the German Product Liability Act.

12.2 In the case of simple negligence, we are liable only for the breach of a material contractual obligation — that is, an obligation whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance you may regularly rely. In this case, liability is limited to the foreseeable damage typical of the contract at the time it was concluded.

12.3 Otherwise liability is excluded.

12.4 In particular, we are not liable for financial decisions you make in reliance on displayed prices, key figures or news. These originate from third parties and are passed on by us, not collected by us.

12.5 The statutory rights in the event of defects in digital products under sections 327 et seq. BGB remain unaffected.

13. Changes to these terms

We may change these terms if this is necessary because of a change in the law, a decision of a highest court or a change to the service, and you are not unreasonably disadvantaged as a result. We will inform you of the change in text form at least six weeks before it takes effect. If you do not object before it takes effect, the change is deemed accepted; we will point out this consequence and your right to object separately in the notice. If you object, either party may terminate the contract with effect from the date the change takes effect.

14. Final provisions

14.1 The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you act as a consumer, this choice of law applies only in so far as it does not deprive you of the protection afforded by mandatory provisions of the state of your habitual residence (Article 6 (2) of the Rome I Regulation).

14.2 If you are a merchant, a legal entity under public law or a special fund under public law, the place of jurisdiction for all disputes arising from this contract is our place of business. For consumers, the statutory places of jurisdiction apply.

14.3 We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

14.4 Should a provision of these terms be invalid, the validity of the remaining provisions is unaffected. The statutory provision takes the place of the invalid provision.