Terms of Service

These Terms govern your use of the multi-asset portfolio tracking and analytics service ("Service") delivered at alvest.app. The Service is operated from Türkiye by Hazar Sönmez.

The Service is offered under Free, Pro and Premium plans. Paid plans are purchased through Paddle.com Market Limited, which acts as Merchant of Record and collects + remits VAT, GST and other applicable taxes.

• Service: the portfolio tracking, analytics and notification software provided at alvest.app and its subdomains.
• User: the natural or legal person who registers for or uses the Service.
• Subscription: paid monthly or annually renewing access obtained by selecting the Pro or Premium plan.
• Paddle: Paddle.com Market Ltd., our payment infrastructure and Merchant of Record.
• Content: all text, images, figures and graphics appearing on the Service.
• User Data: portfolio, alert, goal and configuration data entered by the User.

Alvest lets you track equities, crypto assets, investment funds, commodities, precious metals and currencies in a single dashboard, with tax computation, alerts and AI-assisted summaries.

The Service is provided on an "as-is" and "as-available" basis. Market data is sourced from third parties (Finnhub, CoinGecko, Binance, Yahoo Finance and others) and may be delayed, inaccurate or interrupted. We make no warranty as to the accuracy, timeliness or completeness of any figures shown. Please verify material decisions against authoritative sources.

Alvest does not provide investment advice, brokerage, portfolio management or any other regulated financial service. We are not an authorised investment firm. All content - including AI analyses, charts, computations, comparisons, trend commentary and tax estimates - is provided for informational and personal record-keeping purposes only.

All investment decisions are yours. Alvest is not liable for any gains or losses arising from those decisions. Crypto assets are volatile and may lose their entire value. Tax computations are indicative; please consult a qualified tax advisor.

To use the Service you must create an account with a valid e-mail address. You are responsible for the accuracy of the information you provide. Use by individuals under 18 is prohibited.

You are responsible for maintaining the confidentiality of your credentials. You must notify destek@alvest.app immediately if you suspect unauthorised access. All activity on your account is attributed to you. Two-factor authentication is strongly recommended.

The Service is offered under three plans: Free, Pro and Premium. Current prices are published on /pricing and are displayed in your local currency inclusive of applicable taxes via Paddle.

Paid plans are processed by Paddle.com Market Ltd. as Merchant of Record. Your invoice and bank statement may reference "Paddle". VAT / sales tax is collected and remitted by Paddle in accordance with applicable law.

Unless cancelled, subscriptions renew automatically at the end of the selected period. A renewal reminder is sent by e-mail beforehand. You may cancel at any time via your settings or the Paddle customer portal (paddle.net).

Your right of withdrawal and refund conditions are described in our Refund Policy (/refund). In summary, under EU Consumer Rights Directive 2011/83/EU, where you expressly consent to immediate performance of a digital service and acknowledge the loss of your withdrawal right, withdrawal may not apply. Alvest will nonetheless review refund requests within 14 days of purchase where the Service has not been used or where a material defect prevented use.

Prices, rates and index data are sourced from third parties and provided as-is. Alvest is not liable for delays, errors or interruptions in such data. Always refer to the relevant exchange, bank or official statistical body for formal transactions, tax filings and legal records.

If you choose to connect exchange API keys (Binance, BTCTurk, Paribu etc.) to the Service:

• We operate strictly in read-only scope. Trade, transfer and withdrawal permissions are not supported.
• Keys are stored in your browser in encrypted form only; they are never transmitted to our servers.
• You are responsible for enabling IP restrictions, 2FA and read-only scope on the exchange side.
• Alvest is not liable for misuse of API keys or incidents occurring on the exchange side.

The following activities are strictly prohibited:

• Unauthorised access attempts, vulnerability scanning, reverse engineering
• Accessing other users' data or bulk scraping
• Automated queries that place undue load on the infrastructure
• Unauthorised commercial use of the Alvest brand, logo or content
• Use of the Service for any unlawful activity
• Registering in the name of another person or under a false identity
• Uploading or distributing malicious code or malware

Violations may result in immediate suspension or termination of your account, and we reserve the right to pursue legal remedies where appropriate.

All intellectual property rights in the software, design, logo, brand, interface, text and Alvest-produced content are owned by Alvest and protected by applicable law. You are granted a limited, non-exclusive, non-transferable licence to use the Service for personal and non-commercial purposes.

Copying, reproducing, derivative-producing, selling, renting or publicly disclosing Alvest content without permission is prohibited.

Portfolio and configuration data you submit to the Service remain yours. Alvest processes this data solely to operate, secure and back up the Service and to carry out analyses you request.

You grant Alvest a worldwide, royalty-free, non-exclusive and limited licence to host, encrypt, process and display your data strictly as required to deliver the Service. The licence terminates when your account is closed.

The Service is provided on a best-effort basis; no binding SLA is offered. Maintenance, updates, third-party outages or force majeure may cause temporary unavailability. Planned maintenance is announced in advance where possible.

To the maximum extent permitted by applicable law, Alvest shall not be liable for any indirect, incidental, special, punitive or consequential damages (including lost profits, lost data, reputational harm or investment losses).

Alvest's aggregate liability is limited to the total fees paid by the affected User for the Service during the twelve (12) months preceding the event giving rise to the claim. For Free plan users, the maximum aggregate liability is fifty euros (EUR 50).

Nothing in these Terms limits liability for gross negligence or wilful misconduct, or consumer rights which cannot be waived under applicable law.

You agree to indemnify and hold harmless Alvest from claims, damages and costs (including reasonable legal fees) arising from your breach of these Terms or infringement of third-party rights.

We may suspend or terminate your account without prior notice where we reasonably believe that you have breached these Terms, or in case of suspected fraud or abuse. Refunds may not apply for the current billing period in such cases.

You may close your account at any time via the settings page. Your data is permanently deleted within 30 days of account closure. Records we are legally required to keep (invoices, payments, audit logs) are retained by Paddle and Alvest for the period required by law.

Alvest is not liable for failure to provide the Service due to events beyond its reasonable control, including natural disasters, war, terrorism, cyber-attacks, widespread internet outages, third-party infrastructure failures (cloud providers, payment infrastructure, exchange feeds) and government measures.

We may update these Terms for legal, technical or operational reasons. Material changes are announced at least 15 days in advance by e-mail and in-app notice. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

You may not assign your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms in connection with a merger, acquisition or reorganisation, with prior notice to you.

These Terms are governed by the laws of Ireland, without regard to its conflict of law principles, reflecting the location of the Merchant of Record (Paddle.com Market Ltd., Dublin, Ireland).

Any dispute is subject to the exclusive jurisdiction of the courts of Dublin, Ireland. Consumers resident in the European Union, the European Economic Area or the United Kingdom retain the mandatory protections of their local consumer law and may bring proceedings in their country of residence.

The European Commission provides an online dispute resolution platform at ec.europa.eu/consumers/odr.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. These Terms, together with our Privacy Policy, Cookie Policy and Refund Policy, form the entire agreement between you and Alvest regarding the Service and supersede all prior understandings.

Contact:

• General: info@alvest.app
• Customer support: destek@alvest.app
• Privacy requests (KVKK/GDPR): privacy@alvest.app
• Response time: 2-10 business days

Payment provider (Merchant of Record): Paddle.com Market Limited - paddle.net/contact

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Legal information: Alvest is operated from Türkiye by Hazar Sönmez. Payments are processed by Paddle.com Market Limited as Merchant of Record.