Terms of Service

1. The Service

This app is a software tool for recording and calculating information about real estate you own. You enter data. The Service performs arithmetic on that data and displays the results.

The Service includes, among other things: recording properties, income and expenses; recording loans and computing amortisation; computing indicators such as cash flow, equity, net yield, cap rate, DSCR, LTV and debt yield; displaying reference data published by the European Central Bank; generating documents and read-only sharing links.

2. What the Service is not

The Service does not know anything about your situation that you have not typed into it. Every figure it displays is derived from data you supplied, using published formulas, applied without judgement.

The Service is not: a source of financial, investment, tax, accounting, legal or real-estate advice; an appraisal, valuation or expert opinion on any property; a recommendation to buy, sell, hold, let, refinance, borrow or repay; an intermediary in banking operations or payment services (IOBSP) within the meaning of Article L.519-1 of the French Code monétaire et financier; an investment advisor (CIF) within the meaning of Article L.541-1 of that Code; a real-estate agent or manager within the meaning of the loi Hoguet n° 70-9; an accountant, and its outputs are not accounting records or tax filings.

We are not registered with ORIAS, the AMF or any equivalent authority, because we do not carry on any activity requiring such registration.

3. No financial advice

Nothing displayed by the Service, and nothing in any document, chart, alert, signal, radar, score, ranking or notification it generates, constitutes advice, a recommendation, a solicitation, or an inducement to enter into any transaction.

Where the Service compares one of your figures to a market reference — for example, comparing your mortgage interest rate to the average rate published by the European Central Bank — that comparison is a statement of arithmetic, not a suggestion that you should act. The publication of a difference is not a recommendation to eliminate it.

Where the Service applies a threshold or displays a colour, label or severity level, those thresholds are conventional values chosen for illustration, not standards, and not our opinion about your situation. A figure labelled “critical” means the figure crossed a threshold we selected; it says nothing about your finances.

You are the sole decision-maker. Any decision you take — to buy, sell, refinance, borrow, repay early, raise rent, undertake works, or do nothing — is yours alone. You take it in your own interest, at your own risk, and on your own analysis.

Before acting on anything you see here, consult a qualified professional — a courtier or bank for credit, an expert-comptable for tax and accounting, a notaire for transactions, an avocat for legal questions. The Service does not replace any of them and is not designed to.

4. Accuracy, data sources and the limits of calculation

The Service computes on the data you enter. If your inputs are wrong, incomplete or out of date, every figure derived from them is wrong, and the Service has no way to detect this.

Market data (interest rates, exchange rates) is retrieved from public European Central Bank series. We reproduce it with its observation date and do not warrant its accuracy, completeness or timeliness. The ECB may revise, delay or discontinue any series. Where a figure carries an observation date, that date is part of the figure.

Property values shown are values you entered, or values you explicitly confirmed. The Service does not appraise property and does not produce automated valuations.

Energy performance (DPE) data, where displayed, comes from public registers or from your own entry. A DPE class carries legal consequences for letting. Never rely on the Service for that; rely on your actual diagnostic document.

Formulas may be simplified, may not reflect your tax regime, and may not match the method used by your bank, your accountant or any authority. Where our figure and your bank’s figure differ, your bank’s figure is the one that matters.

5. Your account

You sign in through a third-party identity provider (Google). We never see or store your password. Losing access to that provider account means losing access to the Service, and we cannot restore it for you.

You are responsible for everything done through your account, and for keeping your device and provider account secure.

You must be at least 18 and have legal capacity to contract. One account per person — sharing credentials is prohibited.

Demonstration sessions. The Service can be opened without an account through a demonstration session. It creates a temporary account with no email address and no password, containing a sample portfolio. Its data belongs to that session alone, is not carried over into a registered account, and is erased automatically 48 hours after the session is opened.

6. Your data and your content

Your data is yours. We claim no ownership of what you enter.

You grant us a non-exclusive, worldwide, royalty-free licence to host, store, copy, transmit, process and display your content solely to operate the Service for you, and for the duration of your account. This licence exists so that we can lawfully run servers and backups; it grants us no commercial right.

We do not sell your data. We do not use it to train machine-learning models. We do not share it with advertisers. Our hosting provider’s terms permit it to train its own models on content passing through its systems; that option is disabled in our account settings, and this page is updated if that ever changes. Disclosure to sub-processors strictly necessary to operate the Service is described in the Privacy Policy.

You may export your data at any time in CSV format.

You warrant that you have the right to enter the data you enter, including any personal data concerning tenants or third parties, and that doing so complies with data-protection law. Where you enter personal data about others, you act as data controller for that data.

7. Sharing links

The Service can generate a link that gives read-only access, without authentication, to a limited view of one property.

Anyone holding the link can open it. You are solely responsible for whom you send it to and for what happens afterwards. Links expire automatically after thirty (30) days and can be revoked at any time. We are not responsible for onward disclosure by a recipient.

Calendar link. The Service can also issue a link that a calendar application reads on its own, without signing in. It exposes the names of your properties and the dates of your obligations — no amounts, no tenants, no documents. The same rule applies: anyone holding the link can read it, and you alone decide who receives it. Revoking the link makes it inoperative immediately; turning the calendar feed back on issues a different address.

8. Acceptable use

You must not: circumvent access controls or usage limits; access data that is not yours; scrape, crawl or bulk-extract; probe, scan or test the security of the Service without our prior written consent; upload malware; use the Service to breach any law; resell or white-label the Service without a written agreement.

9. Availability and changes to the Service

The Service is provided “as is” and “as available”. We do not commit to any uptime level, any response time, or any absence of defects, unless a separate written service-level agreement says otherwise.

The Service depends on third-party providers (hosting, database, authentication, error monitoring). Their failures interrupt the Service and are outside our control.

We may add, modify or remove features. Where a change materially reduces functionality you rely on, we give thirty (30) days’ notice by email to the address on your account.

We perform backups but do not warrant that data can be restored in every scenario. Export regularly. Your export is your backup.

10. Ending your use

You may stop using the Service at any time and delete your account from the account screen. Deletion erases your data as described in the Privacy Policy.

We may modify or discontinue the Service and give no guarantee of continuity. Export your data at any time — the export function exists precisely so that stopping is never a loss of your records.

Where we plan to discontinue the Service, we give reasonable prior notice by email to the address on your account.

11. Suspension and termination by us

We may suspend or terminate your account for material breach of these Terms, or for use that endangers the Service or other users. Except in cases of serious misconduct or legal obligation, we give notice and a reasonable opportunity to remedy. On termination you have thirty (30) days to export your data.

12. Limitation of liability

Sections 12.5 and 13.4 qualify this section. Its effect differs depending on whether you are a consumer or a professional.

12.1.We provide the Service with reasonable skill and care. Our obligation is an obligation de moyens, not an obligation de résultat: we undertake to operate the Service diligently, not to guarantee any outcome.

12.2.To the fullest extent permitted by law, we are not liable for:

• any decision you take, or fail to take, on the basis of anything displayed by the Service;
• any financial loss — including loss of profit, loss of opportunity, loss of rent, additional interest, tax penalty, or a transaction concluded on unfavourable terms;
• inaccuracy of the data you entered, or of third-party data reproduced by the Service;
• loss, corruption or unavailability of data, save where caused by our own fault;
• interruption, unavailability or degradation of the Service, including from third-party failures;
• unauthorised access to your account resulting from compromise of your identity provider or device;
• disclosure of a sharing link by you or by a recipient;
• any indirect or consequential loss.

12.3.Claims must be brought within twelve (12) months of the event giving rise to them.

12.4.Nothing in these Terms excludes liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence, for fraud, for dol or faute lourde, or under Article 82 of the GDPR.

12.5.If you are a consumer, sections 12.2 and 12.3 do not apply to you to the extent that they would limit rights you hold under the Code de la consommation, including the legal guarantee of conformity for digital services (Articles L.224-25-1 et seq.). Your statutory rights are unaffected and prevail over this section in full.

13. Consumers

13.1.These Terms do not affect your mandatory statutory rights under French law.

13.2.Complaints. Write to us first at maksymkogin@gmail.com. We answer within one month. The Service is published on a non-professional basis, outside any commercial activity: the obligation to designate a consumer mediator under Article L.612-1 of the Code de la consommation is imposed on professional traders and does not apply here.

13.3.You may bring proceedings before the courts of your place of residence.

13.4.Legal guarantee of conformity. We owe you a service conforming to the description given. This guarantee covers digital services supplied in exchange for personal data (Article L.224-25-2, Code de la consommation). Where the Service is not conforming, you may require it to be brought into conformity and, failing that, terminate the contract, without prejudice to damages (Articles L.224-25-1 et seq.).

14. Professional use

If you use the Service for professional purposes, sections 12.2 and 12.3 apply in full and section 13 does not apply.

You waive any claim on behalf of your own clients or third parties arising from your use of the Service, and you indemnify us against such claims.

No warranty of fitness for any particular professional purpose is given. The Service is not accounting, valuation or brokerage software and must not be presented as such to your clients.

15. Intellectual property

The Service, its code, design, formulas as implemented, and all content other than your data are ours or licensed to us. You get a personal, non-exclusive, non-transferable right to use the Service for the duration of your account, nothing more. No reverse engineering, no copying of the interface, no extraction of the database within the meaning of Article L.342-1 of the Code de la propriété intellectuelle.

16. Personal data

Processing is described in the Privacy Policy, which forms part of these Terms.

17. Changes to these Terms

We may modify these Terms. Material changes are notified by email thirty (30) days in advance. Continued use after that date constitutes acceptance. If you do not agree, stop using the Service and delete your account before that date.

18. Governing law and jurisdiction

French law governs these Terms. Subject to section 13.3, the French courts have jurisdiction.

19. Miscellaneous

Invalidity of one provision does not affect the rest. Failure to enforce is not waiver. You may not assign; we may assign on a transfer of the business, with notice. The French version prevails in case of discrepancy with any translation.

20. Contact

Maksym Kogin · maksymkogin@gmail.com