Draft. Not in force, and not reviewed by counsel. Rendered from the working draft in the Opulen workspace (legal/04-terms-of-service.md). Bracketed text is a placeholder for details of the company's registration that are not final yet.
These terms are the contract between you and Sigmastone [OÜ], [registered address], Estonia, registry code [number], VAT number [number] ("Sigmastone", "we"), for the use of Opulen, our online personal finance service at app.opulen.sigmastone.io.
Contact: support@sigmastone.io · Phone: [+372 …]
The Privacy Policy explains how we handle personal data. The Subscription Terms below cover billing.
0.1 You conclude the contract by creating an account and ticking the box to accept these terms (with the Privacy Policy available to read). A paid subscription is concluded when you complete checkout and click the button labelled "[Subscribe and pay]".
0.2 Before you confirm, the checkout shows your plan, price and billing period, and you can go back and correct your choices.
0.3 Technical requirements: a current version of Chrome, Firefox, Safari or Edge with JavaScript enabled, and an internet connection. Opulen works in the browser; no installation is needed.
0.4 The contract language is English. [Add other languages if offered.]
1.1 Opulen is offered to consumers — individuals using it for personal purposes — who are at least 18 years old and live in the European Union or European Economic Area.
1.2 Opulen is not currently offered for business use.
1.3 You must give accurate account details and keep them up to date.
2.1 Opulen is software for keeping your own financial records. It lets you record accounts, transactions and budgets, import bank statements, connect bank accounts through a licensed provider (section 5), receive suggestions for categorising transactions, and view reports.
2.2 Opulen is not a bank, a payment service, or a financial, investment, tax or legal adviser.
2.3 Your records are only as correct as their inputs. Imported statements and bank data come from your bank; we show them for review before they enter your books, and suggestions are never applied without your approval. Please check them.
3.1 You sign in with an email address and password or with Google. Keep your credentials secret and tell us promptly at support@sigmastone.io if you suspect misuse.
3.2 An account is personal. Don't share it or let others use it.
4.1 Your content stays yours. You keep all rights in the records, files and other content you put into Opulen ("your content"). You give us only the right to store and process your content as needed to provide Opulen to you. We don't use it for anything else.
4.2 Export. You can export your books at any time [feature name / format]. If we end the contract (sections 12.2 and 12.3), your content stays available for export for [30] days afterwards. If you close your account, deletion starts immediately. Ending a paid plan doesn't end the contract; see 6.5.
4.3 Deletion. You can close your account in Settings. We then delete your content as described in the Privacy Policy. Deletion cannot be undone, so export first.
4.4 Backups are your responsibility too. We take reasonable care of your data, including backups, but we recommend keeping your own exports of records that matter to you.
5.1 Opulen can import account information from your bank. This service is provided by Salt Edge ([legal entity], authorised by [regulator] as an account information service provider, [licence no.]) and not by Sigmastone. Sigmastone is not a payment service provider.
5.2 When you connect a bank, you accept Salt Edge's End-user Dashboard Terms [link] and End-user Dashboard Privacy Policy [link]. They are incorporated into these terms by reference for that part of the service. You authenticate at your bank and give your consent to Salt Edge, not to us. We never receive your online banking credentials.
5.3 Under banking regulation, access has to be confirmed again periodically, usually every 180 days. Opulen reminds you in time; you renew the access through Salt Edge's connection flow (your bank may ask you to authenticate again).
5.4 Which banks and account types are available depends on Salt Edge and on your bank. Banks may change or interrupt their interfaces. We don't guarantee that a particular bank can be connected or that every transaction will be delivered, and we don't answer for errors in data supplied by your bank.
5.5 You can disconnect a bank at any time in Opulen or in Salt Edge's dashboard.
6.1 Plans. The plans, their features and prices are shown at [pricing page] and at checkout. Prices include VAT where applicable.
6.2 Free trial. [If offered: the trial lasts [14] days and ends automatically. You are only charged if you actively choose a paid plan, which starts a new contract with its own withdrawal right (section 7). / No trial.]
6.3 Payment. Payment is handled by Stripe. Subscriptions are billed in advance for each billing period ([monthly / yearly]) and renew automatically for the same period until cancelled.
6.4 Cancellation. You can cancel at any time in Settings → Subscription, effective at the end of the current billing period. There is no minimum term beyond the period you have paid for.
6.5 Failed payments. If a payment fails, we'll notify you and Stripe will retry. If the payment still fails after [14] days, your plan ends. Your data is not deleted when a plan ends. You keep read access and export for at least [90] days, and we'll write to you before any deletion. [Product decision: define what the "free / no plan" state allows.]
6.6 Price changes. We may change prices for future billing periods, for example due to higher costs. We'll tell you at least 30 days in advance. A change never applies to a period you have already paid for. If you don't agree, you can cancel before the new price takes effect.
You have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period is 14 days from the day the contract is concluded (when you take out a paid subscription).
How to withdraw. Use the "Withdraw from contract here" function in Settings → Subscription, which is available throughout the withdrawal period. Alternatively, send us a clear statement (for example by email to support@sigmastone.io, or by letter to our address above). You may use the model form below, but you don't have to. It's enough to send your statement before the period ends. We confirm receipt without delay.
Effects of withdrawal. We refund all payments received from you without undue delay and at the latest within 14 days of receiving your withdrawal, using the same payment method, at no cost to you. Because you asked us to start the service during the withdrawal period, you pay an amount proportionate to the service provided until you told us you were withdrawing, compared with the full contract.
Model withdrawal form (complete and return this form only if you wish to withdraw from the contract)
To Sigmastone [OÜ], [address], support@sigmastone.io: I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract of sale of the following goods (*)/for the provision of the following service (*): Opulen subscription [plan] Ordered on (*)/received on (*): ___ Name of consumer(s): ___ Address of consumer(s): ___ Signature of consumer(s) (only if this form is notified on paper): ___ Date: ___ (*) Delete as appropriate.
You must not:
Found a security issue? Please report it to support@sigmastone.io.
9.1 We aim to keep Opulen available at all times, but maintenance, updates and events outside our control can interrupt it. We plan maintenance for low-usage times and announce longer maintenance in advance where we can.
9.2 Updates. We keep Opulen in conformity with this contract and provide the updates, including security updates, needed for that, as the law requires for digital services.
9.3 Changes to the service. We may change features, for example to improve the service, adapt to technical developments or comply with law. If a change negatively affects your access or use more than slightly, we tell you at least 30 days in advance, and you may then end the contract free of charge within 30 days of the change (or of our notice, if later). You receive a refund for any prepaid period after the end date.
9.4 Support is by email at support@sigmastone.io. We aim to reply within [2 business days].
If Opulen does not work as agreed, you have the legal remedies available to consumers for digital services: bringing the service into conformity, a price reduction, or ending the contract. Please report problems to support@sigmastone.io so that we can fix them. These terms don't limit your statutory rights.
11.1 We are fully liable for damage caused intentionally or by gross negligence, for injury to life, body or health, and wherever mandatory law excludes a limitation (including under product liability law).
11.2 For other damage caused by slight negligence, we are liable only if we breach an obligation that is essential to the contract, and then only for the damage typical and foreseeable when the contract was concluded.
11.3 Because Opulen is a record-keeping tool (section 2), we are not liable for decisions you make on the basis of its reports, balances or suggestions, except under 11.1.
11.4 We are not liable for services provided by third parties under their own terms, in particular your bank and Salt Edge (section 5), unless we caused the damage ourselves.
12.1 The contract runs for an indefinite period. You can end it at any time by closing your account; a subscription then ends as described in 6.4. Prepaid amounts are refunded only where the law or these terms say so.
12.2 We can end the contract with 30 days' notice by email, for example if we discontinue Opulen. We refund any prepaid period after the end date.
12.3 We can suspend or end your account immediately for good cause, in particular a serious breach of section 8 that puts other users or our systems at risk. Where reasonable, we warn you first and give you a chance to export your data.
12.4 After the contract ends, section 4.2 applies to export, and your data is then deleted as described in the Privacy Policy.
We may change these terms if there is a valid reason, such as new features, changes in law or case law, or security needs. We tell you about changes at least 30 days before they take effect, by email or in the app, and explain what changes. If you don't agree, you can end the contract free of charge before the changes take effect. Changes to the essential elements of the contract (the core service, the price for your current term) require your agreement.
14.1 These terms are governed by Estonian law, excluding the UN Convention on Contracts for the International Sale of Goods. As a consumer, you also keep the protection of the mandatory laws of the country where you live.
14.2 You can bring proceedings in the courts of the country where you live, or in Estonia. We can bring proceedings against you only in the courts of the country where you live.
14.3 Out-of-court dispute resolution. We'd like to resolve any problem directly, so please write to support@sigmastone.io first. You can also contact the Estonian Consumer Disputes Committee (Tarbijavaidluste komisjon) at the Consumer Protection and Technical Regulatory Authority, [Endla 10a, 10122 Tallinn], [komisjon@ttja.ee], www.ttja.ee. [State here whether Sigmastone is willing or obliged to take part.] Consumers from other EU countries can get help from the European Consumer Centre in their country.
15.1 If a provision of these terms is invalid, the rest remains valid.
15.2 These terms are available in English [and ...]. We don't subscribe to any code of conduct.
15.3 You can view, save and print these terms at any time at [URL]. We store the version you accepted.
Imprint / Company information Sigmastone [OÜ] · [address], Estonia · Registry code [number] (Estonian Business Register) · VAT [number] · Management board: [name] · support@sigmastone.io · [phone]