Terms of Service
§ 1 Provider and scope
The provider is BrightComb (sole proprietorship), owner Gor Davidovic Gevorkjan, Teichmummelring 65, 12527 Berlin, Germany, email hello@wildcomb.app (“we”). These terms govern the use of BrightComb Compound Simulator at brightcomb.com/simulator and the purchase of Pro access by consumers within the meaning of § 13 German Civil Code (BGB). Deviating terms of the user do not apply. ElternPlan (elternplan.app) is governed solely by the terms published on that site.
§ 2 Services
The basic functions (compound interest calculator, goal calculator, statistics table, bitcoin supply page) are free and usable without an account. Pro access additionally includes best and worst case, contributions and compounding intervals, horizons up to 60 years, Monte-Carlo simulation, net and real returns, the interactive comparison and the complete annual tables. Pro access is a digital product within the meaning of §§ 327 et seq. BGB that is not supplied on a tangible medium.
§ 3 Account
Pro access requires an account operated solely via an email address and a sign-in link sent by email. One account per person is permitted. The user keeps the mailbox access confidential and is responsible for actions under the account.
§ 4 Conclusion of contract
The presentation of Pro access is not an offer but an invitation to order. By clicking “Buy now (payment obligation)” and completing payment in the Stripe checkout the user submits a binding offer. The contract is concluded as soon as the payment processor Stripe confirms the payment to us. We confirm the contract without delay by email on a durable medium (§ 312f BGB); this email contains the essential content of the contract. The contract language is German; the English version of these terms is a translation for information (see § 15). We store the contract text and send it to the user by email.
§ 5 Price and payment
The price is shown before ordering in the chosen currency (EUR, USD or GBP) and is a total price. No VAT is charged or shown because we are a small business under § 19 German VAT Act (UStG). Payment is processed by the payment processor Stripe Payments Europe Ltd. with the payment methods offered there and is due immediately. It is a one-time payment, not a subscription. Pro access is sold only to users with a billing address in the EU, the EEA, Switzerland, the USA or Canada. Payments with a billing address in other countries are refunded in full and Pro is not activated; the free calculator remains available.
§ 6 Term and provision
Pro access is activated immediately after confirmation of payment and is valid for 12 months from that moment. It then ends automatically. There is no automatic renewal, no subscription and no need to cancel. A further purchase during the term extends access by another 12 months from the end of the current period.
§ 7 Right of withdrawal
Consumers have a statutory right of withdrawal. Withdrawal can also be declared online via the “Withdraw from contract” button. Details and the model withdrawal form are in the withdrawal notice. For digital content not supplied on a tangible medium, the right of withdrawal expires early if, before paying, the user has expressly consented to us beginning performance of the contract before the end of the withdrawal period and has acknowledged that this consent means losing the right of withdrawal once performance begins (§ 356 (5) BGB). The user gives this consent and acknowledgement via the checkbox before payment; we log it with a timestamp. Once performance has begun, a refund is therefore no longer possible; the statutory warranty rights under § 11 remain unaffected.
§ 8 Licence and user obligations
The user receives a simple, non-transferable right to use the service during the term for personal, private purposes. Automated scraping, resale, sharing of access with third parties, circumventing technical restrictions and embedding in own offerings are not permitted. Results may be saved and shared for private purposes.
§ 9 Availability, updates, further development
We make reasonable efforts to keep the service continuously available. Maintenance windows, which we announce where possible, and outages of third parties (hosting, payment, data sources) may cause temporary interruptions. Throughout the term we provide the updates necessary to keep the product in conformity, including security updates (§ 327f BGB), and inform the user about them. We may develop features further as long as the contractual core (§ 2) is preserved. Market data is ingested automatically from public sources and may contain gaps or errors.
§ 10 No investment advice
The service provides mathematical simulations, not investment, tax or legal advice and no recommendation of specific financial products. The disclaimer applies. Investment decisions are the user's own responsibility.
§ 11 Warranty
The statutory warranty rights for digital products (§§ 327 et seq. BGB) apply to Pro access. These rights cannot be excluded towards consumers. In case of technical problems or defects please write to us at hello@wildcomb.app; we restore conformity within a reasonable period.
§ 12 Liability
We are liable without limitation for intent and gross negligence, for injury to life, body or health, for fraudulent concealment of a defect, where we have given a guarantee, and under the German Product Liability Act. For slight negligence we are liable only for breach of essential contractual obligations, i.e. obligations whose fulfilment makes proper performance of the contract possible in the first place and on whose observance the user may regularly rely (cardinal duties); in that case liability is limited to the typical, foreseeable damage. Further liability is excluded. The statutory warranty rights under § 11 remain unaffected.
§ 13 Data protection
Information on the processing of personal data is in the privacy policy.
§ 14 Term of these terms and changes
The version of these terms published at the time of the order applies. Changes apply to future contracts. For ongoing contracts we modify the digital product only to the extent permitted by § 327r BGB, in particular where there is a valid reason, the user incurs no additional costs and the user is informed clearly and comprehensibly.
§ 15 Governing law, jurisdiction, language
German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If the consumer is habitually resident in another state, the mandatory consumer protection rules of that state remain unaffected (Art. 6 (2) Rome I Regulation). Jurisdiction is determined by the statutory rules. The German version of these terms is authoritative; the English version is provided for information only.
§ 16 Consumer dispute resolution
We are neither obliged nor willing to take part in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG, German Consumer Dispute Resolution Act).
§ 17 Final provision
Should a provision of these terms be invalid, the remainder of the contract remains valid. The statutory provisions replace the invalid provision.