Legal

Terms of Service & Refund Policy

Last updated: July 16, 2026

Plain-English summary: Value Investor is an analysis and education tool, not financial advice. Subscriptions renew automatically and can be cancelled anytime, effective at the end of the paid period. EU consumers have a 14-day right of withdrawal, and on top of that we offer a 14-day money-back guarantee on your first purchase, email us and you get a refund, no questions asked.

1. Who we are

The Value Investor app and this website are operated by Thomas Jakel, Berlin, Germany. Full provider identification: see the Impressum. Questions about these terms: tjakel.fiba@googlemail.com.

2. What the service is, and what it is not

Value Investor generates quantitative stock analyses (ratios, model-based valuation ranges, checklists inspired by published value-investing frameworks) and AI-generated research commentary, and monitors user-defined criteria ("sell triggers").

It is an analysis and education tool. Nothing in the app, in generated reports, emails or on this website constitutes investment advice, financial advice, tax advice, a solicitation, or a recommendation to buy, sell or hold any security. We are not a licensed investment advisor or broker. The deterministic models are simplified proxies; the AI layer is probabilistic and can be wrong; market data comes from third-party providers and may be incomplete, delayed or inaccurate. You alone are responsible for your investment decisions and for verifying any figure before acting on it.

3. Accounts and access

You sign in with a Google account. During the current founder phase, access may be limited to invited users. You must be at least 18 years old. Keep your account credentials secure; you are responsible for activity under your account.

4. Plans, billing and cancellation

Paid plans (monthly or yearly) are billed in advance via our payment provider Stripe and renew automatically until cancelled.
You can cancel anytime, via the Stripe customer portal or by email. Cancellation takes effect at the end of the already-paid billing period; you keep access until then. No cancellation fees.
The Founder Lifetime plan is a one-time purchase granting access to the app for as long as we operate it (see section 8).
Prices are shown at checkout including any applicable VAT. We may change prices for future billing periods with at least 30 days' notice; if you don't agree, cancel before the new price takes effect.

5. Refunds and right of withdrawal

Statutory right of withdrawal (EU consumers): you may withdraw from your purchase within 14 days of contract conclusion without giving any reason. To exercise it, send an unambiguous statement (email is enough) to tjakel.fiba@googlemail.com. If you asked us to start the service during the withdrawal period, we may deduct a proportionate amount for the service already provided.

Our voluntary guarantee, on top: for your first purchase of any plan (including Founder Lifetime), we offer a full 14-day money-back guarantee, email us within 14 days of the charge and we refund the full amount, no questions asked. Refunds go back to the original payment method, normally within 5–10 business days.

6. Fair use

Plans are for personal use by one person. Please don't share accounts, resell or redistribute the data or reports commercially, scrape the service, attempt to bypass plan limits, or use the service in a way that degrades it for others. Market data is licensed from third-party providers and may only be used within the app's intended features. We may suspend accounts that violate these rules, with a refund of any unused prepaid period unless the violation was intentional or grossly negligent.

7. Privacy

We store what the service needs: your email address (sign-in), your watchlist, portfolio entries, settings, saved analyses and sell triggers. Payments are processed by Stripe; we never see your card details. Details: Datenschutzerklärung.

8. Availability and changes to the service

We operate the service with care but do not guarantee uninterrupted availability. Features may evolve, and third-party data sources or AI models may change or become unavailable. If we ever discontinue the service entirely, Founder Lifetime customers who purchased within the preceding 24 months receive a fair pro-rata refund; all subscribers keep access until the end of their paid period and will not be charged again.

9. Liability

We are liable without limitation for intent and gross negligence, and for injury to life, body or health. For slight negligence we are liable only for breaches of essential contractual obligations (obligations whose fulfilment makes the proper execution of the contract possible in the first place), limited to the foreseeable damage typical for this kind of contract. We are not liable for investment losses, the service provides analysis and education, not advice (section 2), and outcomes of your trading decisions are outside our control. Mandatory statutory liability (e.g. under product liability law) remains unaffected.

10. Changes to these terms

We may update these terms for good reason (new features, legal requirements). For material changes we notify you by email at least 30 days in advance; if you don't agree, you can cancel before the changes take effect. Continued use after the effective date constitutes acceptance.

11. Governing law

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, the mandatory consumer-protection rules of your country of residence remain unaffected. We are neither obliged nor willing to participate in dispute-resolution proceedings before a consumer arbitration board (§ 36 VSBG).

This document is written in plain English on purpose. If any provision is found invalid, the remainder stays in effect.