Terms and conditions

In these Terms, the following words have the meanings set out below:

• "User" means a person who has registered for, or otherwise accesses, the Service.
• "Services" means the features and functionality made available through the Service that you select or use, including portfolio tracking, transaction import, and related tools.
• "Website" means https://calavis.io and any subdomains or application interfaces operated by us for the Service.
• "Payment Method" means a valid credit or debit card or other payment instrument accepted by us when paid plans are offered.
• "Billing Account" means the billing and payment information you provide for a paid subscription.

• Service owner: Calavis
• Website: https://calavis.io
• Contact email: legal@calavis.io
• Privacy email: privacy@calavis.io

Calavis is a software-as-a-service (SaaS) tool that lets you import and organize investment transactions (including CSV statements from brokers such as Trade Republic), view portfolio metrics, dividends, and performance, and manage transactions in one place.

The data, graphics, images, and information provided through the Service are for informational and personal management purposes only. They do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or enter into any transaction in financial instruments. None of the content on the Service is to be taken as a recommendation to enter into any transaction.

You are solely responsible for effecting (or causing parties other than us and our affiliates to effect) investment transactions for all accounts under your management, ownership, or supervision. We do not execute trades on your behalf and bear no responsibility for ensuring that such investment transactions are effectively executed or that they comply with applicable laws, rules, or regulations.

By registering, accessing, or using the Service, you declare that: (i) you have read and accept these Terms and the Privacy Policy; (ii) you are at least 18 years old and have legal capacity to contract; (iii) the information you provide is accurate; and (iv) you will use the Service in compliance with the law and these Terms.

If you do not agree, you must not use the Service.

• To use core features you must create an account with email and password, or via an enabled authentication provider (e.g. Google), subject to availability.
• You are responsible for keeping your credentials confidential and for all activity on your account.
• You must notify us immediately of any unauthorized use or potential breach of security (such as an unauthorized disclosure or use of your username or password) at legal@calavis.io.
• The Owner may suspend or cancel accounts that breach these Terms or pose a risk to Service security.

During the current launch phase, the Service is offered on a free plan with limits published on the website (for example, a maximum of 1,000 recorded trades and one portfolio per account). Trades exceeding the current limit may be removed automatically to maintain plan capacity.

Paid plans will be announced as “coming soon” until available. When activated, pricing, limits, and billing terms will be communicated in advance in the interface or by email. The following terms apply to paid subscriptions once they are offered:

• We bill you through your selected Payment Method for subscribing to paid plans. You agree to pay all charges at the prices agreed when subscribing, and you authorize us to charge your Payment Method for the subscription and any applicable sales or similar taxes.
• Your subscription continues until cancelled by you. After any initial subscription period, it automatically renews for an equivalent period at the then-current price, unless you cancel before renewal. We may increase subscription fees upon at least 30 days' notice to you before the change takes effect.
• Your subscription does not begin until all charges for the initial period have been processed successfully.
• You must provide current, complete, and accurate Billing Account information and promptly update it (for example, billing address, card number, or expiration date). You must promptly notify us if your Payment Method is cancelled or expires.
• If you initiate a chargeback or otherwise reverse a payment made with your Payment Method without a valid reason, we may, in our discretion, suspend or terminate your account immediately.

You may cancel a paid subscription at any time from My account (when available) or by writing to legal@calavis.io. Cancellation takes effect at the end of your current billing period; all future charges for subsequent periods are cancelled. Unless mandatory law requires otherwise, fees already paid are non-refundable and your access to paid features continues until the end of the current billing period.

You may delete your account at any time. After termination, we will process your data in accordance with the Privacy Policy.

When you act as a consumer, nothing in this section limits non-waivable rights under applicable Spanish and EU consumer law, including any statutory withdrawal or refund rights that may apply to distance contracts.

You agree to use the Service lawfully. The following is prohibited:

• Submitting false data, third-party data without authorization, or unlawful data.
• Attempting unauthorized access to systems, accounts, or other users' data.
• Reverse engineering, large-scale scraping, attacks, or actions that degrade Service availability.
• Using the Service for unauthorized commercial purposes, resale, or sublicensing without express permission.
• Circumventing technical limits, security measures, or plan restrictions.

You retain ownership of data and statements you import. You grant us a limited, non-exclusive, revocable license to host, process, and display them solely to provide the Service, in accordance with the Privacy Policy.

You are solely responsible for the accuracy of imported CSV files and transactions. You must verify that calculations and displays match your situation before making investment decisions.

Prices, estimated dividends, third-party data (e.g. market providers), and calculated metrics may contain errors, delays, or inaccuracies. We do not independently verify all third-party or derived data and cannot assure you of its accuracy. Although we will not knowingly make data available through the Service if we have actual knowledge that such data is materially inaccurate, we do not warrant that the Service or any information will be error-free, complete, timely, or fit for any particular purpose.

We will make commercially reasonable efforts to keep the Service available and will seek to restore it as soon as reasonably possible after any interruption. The Service is provided “as is” and “as available”. We may perform maintenance, updates, or functional changes that temporarily affect access.

To the maximum extent permitted by applicable law, we give no warranties of any kind, whether express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that access to the Website will be uninterrupted or free from viruses or other harmful components, and no assurance can be given that the Website or any linked site will not harm or cause loss to you, your devices, or your network.

We may amend these Terms. The current version will be published on this page. Continued use after publication of material changes constitutes acceptance, unless applicable law requires additional express consent.

To the maximum extent permitted by applicable law, the Owner shall not be liable for any failure to provide the Service, economic losses, lost profits, investment decisions made by the user, or indirect or consequential damages arising from use or inability to use the Service, except in cases of willful misconduct or gross negligence by the Owner.

When you act as a consumer, nothing in these Terms limits non-waivable rights under applicable Spanish consumer law.

The software, design, Calavisbrand, service marks, trademarks, text, and graphic elements of the Service are owned by the Owner or its licensors. Your use of the Service does not grant you any right or license to use our or any third party's service marks or trademarks without prior written permission from the rights holder.

The Website is protected under applicable copyright laws. Copying, redistribution, use, or publication of any portion of the Website or Service beyond what these Terms allow is prohibited.

The Website may contain links to third-party websites or services. These links are provided solely for your convenience. We do not create, control, sponsor, or endorse such third-party sites, and inclusion of a link does not constitute any guarantee, warranty, or recommendation. We have no control over the content, legal terms, or privacy practices of third-party websites; you access them at your own risk.

We may suspend or terminate your access to all or any part of the Service at any time, with or without cause, with or without prior notice where permitted by law, effective immediately or after any notice period we reasonably provide.

You may stop using the Service at any time. Provisions that by their nature should survive termination will survive, including without limitation ownership provisions, warranty disclaimers, indemnity (if any), and limitations of liability.

Service-related communications may be sent to the email linked to your account or via in-app notices. For claims or legal inquiries: legal@calavis.io.

These Terms are governed by Spanish law. For dispute resolution, and unless mandatory rules provide otherwise, the parties submit to the courts of the consumer's domicile when acting as a consumer, or to the courts of Barcelona (Spain) in all other cases.