Terms of Service

Terms of Service

Version: 2.0 Last Updated: May 25, 2026 Operator: WealthHive OU

Introduction

These Terms of Service ("Terms") set out the rules for using the MyInvestments platform available at https://myinvestments.pl ("Service"), operated by WealthHive OU ("Operator"). By using the Service, you accept these Terms and the Privacy Policy.

1. Definitions

  • Operator — WealthHive OU, Saani tn 2/2-26, 10149 Tallinn, Estonia, registry code 16390486, VAT EU: EE102742499
  • User — a natural or legal person using the Service
  • Consumer — a User who is a natural person using the Service for purposes outside their trade, business or profession
  • Service — Service functionalities under the Free and Pro plans
  • Pro Subscription — paid subscription service with additional features

2. Service description

MyInvestments is a platform for tracking and visualising a user's investment portfolio. It allows you to:

  • manually enter assets (stocks, ETFs, crypto, real estate, precious metals, forex and others)
  • monitor portfolio value and performance (P/L)
  • automatic currency conversion (Pro)
  • historical analytics and charts (Pro)
  • organise assets by location and labels

What we are NOT

  • We are NOT a brokerage, bank, financial or insurance institution
  • We are NOT a trading platform — we do not execute transactions on behalf of the User
  • We do NOT connect to brokerage, bank or crypto exchange accounts unless the User explicitly and voluntarily configures an integration
  • We do NOT provide investment, financial, tax or legal advice
  • We are NOT a registered investment advisor or agent of an investment firm
  • We do NOT provide services under Regulation MICA (EU) 2023/1114 — we do not custody users' crypto assets (no custody), do not execute exchange or transfer transactions, and are not a crypto-asset service provider (CASP)

3. User account

3.1. Registration

  • Registration requires a valid email address and a password
  • The User must be at least 18 years old and have full legal capacity
  • One person — one account. Account sharing is prohibited

3.2. Account security

  • The User is responsible for keeping the password and authentication tokens confidential
  • Notify the Operator immediately if you suspect unauthorised access (contact details in the Privacy Policy)

3.3. Account termination by the User

  • You may cancel your subscription at any time from the account settings panel
  • You may delete your account at any time — data will be deleted as described in the Privacy Policy

3.4. Account termination by the Operator

The Operator may terminate the agreement with the User subject to a 14-day notice period only for important, objectively justified reasons, including:

(a) a material breach of these Terms, if the User has not ceased the breach within 7 days after being requested to do so; (b) actions detrimental to the Operator or other Users; (c) failure to pay subscription fees for 30 consecutive days from the due date; (d) prolonged inactivity (over 24 months) — after prior notice of intent to delete with 30 days' notice.

In case of a grave, culpable breach (attacks on infrastructure, fraud, illegal content), the Operator may terminate the agreement with immediate effect, with an obligation to state the reason.

If the Operator terminates the agreement through no fault of the Consumer, the Operator will refund the pro-rata portion of fees for the unused subscription period.

4. Subscription plans and billing

4.1. Free plan

  • unlimited asset tracking
  • basic portfolio features
  • manual price updates
  • no payment details required

4.2. Pro plan

  • all Free features
  • automatic price updates
  • historical analytics
  • priority support
  • multi-currency support with auto-conversion

Pro price: 12.99 PLN net/month (16.11 PLN gross with 24% EE VAT; the final gross price may depend on the VAT rate of the Consumer's country under the VAT OSS procedure).

4.3. Billing

  • subscription is handled by Stripe Payments Europe Ltd
  • monthly billing; auto-renewal until cancellation
  • prices may change with 30 days' notice delivered by email. A Consumer who does not accept the new price has the right to terminate the subscription at no cost with effect on the day the new price takes effect; until then, the previous price applies
  • the Operator may offer time-limited promotions and discount coupons

4.4. Right of withdrawal (EU Consumers)

A Consumer concluding a distance contract for the supply of digital services has the right to withdraw from the contract within 14 days from its conclusion, without giving any reason, by sending a statement in writing or electronically (contact details set out in the Privacy Policy).

Exception — performance commenced before the withdrawal period ends: if the Consumer:

(a) expressly requests that the performance of the Service commence before the 14-day period ends, and (b) is informed that they will lose the right of withdrawal once the Service is fully performed (art. 38(1) of the Polish Consumer Rights Act / art. 16(a) CRD),

— the right of withdrawal expires once the Service has been fully performed.

For a monthly subscription, if the Consumer withdraws during the month after performance has commenced, they will pay pro rata for the period actually used; the remaining portion will be refunded within 14 days of receiving the withdrawal statement.

Withdrawal form: see Annex 1 or the statutory form under URK.

4.5. Subscription cancellation

  • you may cancel at any time from account settings
  • access to Pro features continues until the end of the paid billing period
  • no further charges apply after cancellation
  • portfolio data remains available on the Free plan

5. User content and data

5.1. Data ownership

  • you retain full ownership of the portfolio data you enter
  • you grant the Operator a free, non-exclusive licence to process the data solely to the extent necessary to provide the Service
  • you may export your data at any time (CSV / JSON)

5.2. Responsibility for content

  • you are responsible for the accuracy of the data you enter
  • the Operator does not verify the data entered by the User

5.3. Prohibited content

It is prohibited to use the Service to:

  • store or track assets originating from illegal activity
  • breach applicable law
  • infringe third-party intellectual property rights
  • knowingly enter false information to mislead the Operator

5.4. Backups

  • we run regular infrastructure backups
  • we recommend periodic data exports by the User (in-panel function) as an additional safeguard

6. Acceptable use

The User agrees NOT to:

  • reverse-engineer, decompile or disassemble the Service
  • use automated tools (bots, scrapers) to access the Service without written consent
  • attempt unauthorised access to the Operator's systems
  • disrupt the operation of the Service (DoS, spam, malware)
  • impersonate others or misrepresent affiliations
  • share account credentials with third parties
  • circumvent payment or access restrictions

7. Intellectual property

  • the MyInvestments platform — code, design, layouts, content, word mark and graphic mark — is the property of the Operator
  • the User receives only a limited, non-exclusive, non-transferable right to use the Service in accordance with these Terms
  • the "MyInvestments" word mark and logo are trademarks of the Operator — any use requires written consent
  • feedback and suggestions provided to the Operator may be used without compensation or attribution

8. No financial advice

CRITICAL DISCLAIMER:

  • MyInvestments is ONLY a portfolio tracking tool
  • We do NOT provide investment, financial, tax or legal advice
  • Data presented in the Service is informational only
  • We do NOT recommend buying or selling assets
  • We are NOT a registered investment advisor
  • Past performance does NOT guarantee future results

The User is solely responsible for:

  • their own investment decisions
  • verifying the accuracy of data entered into the Service
  • consulting licensed professionals (investment advisor, tax advisor, lawyer)
  • understanding tax consequences in their jurisdiction
  • compliance with securities and crypto-asset law in their jurisdiction

9. Third-party services

The Service integrates with external providers (full list: Privacy Policy § 5). The Operator exercises due care in selecting providers but is NOT liable for:

  • interruptions or errors in third-party services
  • inaccuracy of data delivered through external APIs (CoinGecko, Finnhub, Yahoo Finance, NBP, exchangerate-api)
  • terms of use set by these entities (which apply to the User's direct relationships with them, e.g., Google for OAuth sign-in)

10. Liability limitations

10.1. Service availability

  • The Service is provided "AS IS" and "AS AVAILABLE"
  • The Operator endeavours to maintain continuous access but does not guarantee 100% uptime
  • Planned maintenance windows are announced in advance (in-app or email)

10.2. Liability cap

To the maximum extent permitted by law, the Operator's liability under the Agreement is capped at the equivalent of fees paid by the User within the last 12 months preceding the event giving rise to damage, but no less than EUR 100 for Consumers.

The above liability limitations do not apply to:

  • damages caused by the Operator's intentional misconduct or gross negligence,
  • damages to the Consumer's life, health or property resulting from defects in the Service,
  • other cases in which applicable law excludes the possibility of limiting liability (art. 473 § 2 of the Polish Civil Code; § 106 of the Estonian Law of Obligations Act).

10.3. Exclusions

The Operator is not liable for:

  • the User's investment losses or any financial decisions made based on data from the Service
  • data loss caused by the User's failure to follow basic security rules (lost password, no 2FA, account sharing)
  • force majeure

11. Complaints

11.1. Submission

Complaints regarding the Service may be filed:

The submission should include:

  • data identifying the User (account email)
  • description of the issue, date of occurrence
  • request (refund, fix, other)

11.2. Resolution time

The Operator handles complaints within 14 days of receipt. Lack of reply within this period is deemed acceptance of the complaint.

11.3. Out-of-court dispute resolution (ODR)

The Consumer has the right to use out-of-court mechanisms for resolving complaints and claims, including the EU Online Dispute Resolution (ODR) platform: https://ec.europa.eu/consumers/odr

In Poland the Consumer may also use:

  • mediation at Voivodeship Inspectorates of Commercial Inspection (WIIH)
  • permanent consumer arbitration courts at WIIH
  • assistance from the Poviat (Municipal) Consumer Ombudsman

12. Changes to these Terms

The Operator may change these Terms for important reasons (legal changes, new features, changes among sub-processors, security). Significant changes are communicated:

  • by email at least 30 days in advance,
  • by in-app notification.

If the Consumer does not accept the changes, they have the right to terminate the agreement at no cost, effective on the date the changes enter into force. Continued use of the Service after the changes take effect constitutes acceptance.

13. Choice of law and jurisdiction

13.1. Governing law

These Terms are governed by the law of the Republic of Estonia. The above choice of law shall not deprive the Consumer of the protection afforded by mandatory provisions of the law of the country in which the Consumer has their habitual residence (Regulation (EC) No 593/2008 — Rome I, art. 6(2)).

13.2. Jurisdiction

Disputes arising under these Terms are heard by:

  • for Consumers — the court competent for the Consumer's place of residence or the court competent for the Operator's seat, at the Consumer's choice (Brussels I bis Regulation (EU) 1215/2012)
  • for businesses — the court competent for the Operator's seat

14. Final provisions

14.1. Entire agreement

These Terms together with the Privacy Policy and Cookie Policy constitute the entire agreement between the Operator and the User regarding the Service.

14.2. Severability

The invalidity of any provision of these Terms does not affect the validity of the remaining provisions. An invalid provision shall be replaced by a statutory provision or a provision closest to its economic purpose.

14.3. No waiver

Failure by the Operator to enforce any right under these Terms does not constitute a waiver of that right.

14.4. Assignment

The Operator may transfer its rights and obligations under these Terms to another entity provided that the User's rights are preserved in full; for a Consumer — with the right to terminate the agreement within 30 days of being notified of the assignment. The User may not assign their rights without the Operator's written consent.

14.5. Force majeure

The Operator is not liable for non-performance or improper performance caused by force majeure (natural disasters, global infrastructure failures, wars, decisions of public authorities).

15. Contact

WealthHive OU Saani tn 2/2-26, 10149 Tallinn, Estonia Registry code: 16390486 VAT EU: EE102742499

Investment disclaimer: MyInvestments does not provide financial advice. All investment decisions are the sole responsibility of the User. Consult a licensed advisor before making financial decisions.