investlogic.io

Terms of Service

General Terms and Conditions governing the use of investlogic.io portfolio allocation platform and related services.

Last updated: July 13, 2025

1. Scope and Acceptance of Terms

By accessing or using the services at investlogic.io (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must not use the Service.

2. Company Information

Operator: OPILIO ventures UG (haftungsbeschränkt)

Managing Director: Dr. Jan M. Schäfer

Registered Office: Berlin, Germany

Production Domain: www.investlogic.io

3. Service Description

investlogic.io provides scientifically-grounded, illustrative sample portfolios for educational purposes only. This Service does not constitute investment advice, financial planning, or personalized recommendations.

Important Notice

All portfolio recommendations are for educational purposes only. We do not provide personalized investment advice or financial planning services. Always consult with a qualified financial advisor before making investment decisions.

4. User Accounts and Registration

  • Users may access certain free features without registration.
  • To use Pro features, users must create an account with a valid email and password.
  • Users are responsible for maintaining the confidentiality of their credentials.

5. Subscription Plans and Billing

5.1 Monthly Pro Subscription

  • Price: €3.90 per month (billed annually)
  • Renewal: Automatically renews each year
  • Cancellation: Via email to support@investlogic.io, effective at end of current billing period

5.2 Lifetime Pro License

  • Price: €69.00 (one-time payment)
  • Renewal: No automatic renewals
  • Access: Permanent access to all Pro features

6. Cancellation and Refund Policy

  • You have the right to withdraw from any digital service contract within 14 days without giving reasons (§ 355 BGB).
  • The withdrawal period begins on the day the contract is concluded.
  • To exercise the right of withdrawal, send an email to support@investlogic.io or written notice via mail.
  • Refunds will be processed within 14 days of valid withdrawal.
  • For detailed withdrawal instructions, see our Right of Withdrawal page.

EU Consumer Rights

Under EU consumer protection laws, you have the right to withdraw from digital service contracts. This withdrawal right applies to both monthly and lifetime subscriptions within the first 14 days.

Complete withdrawal information: View our Right of Withdrawal page

7. Intellectual Property

All content, code, logos, and trademarks on investlogic.io are owned or licensed by OPILIO ventures UG. You may not copy, modify, distribute, or create derivative works without prior written consent.

8. Disclaimers and Limitation of Liability

  • No Financial Advice: investlogic.io is purely educational.
  • UG Liability: Liability of OPILIO ventures UG is limited to the company's assets; shareholders bear no personal liability.
  • No Warranty: All materials are provided "as is" without warranties of any kind.
  • Maximum Liability: To the extent permitted by law, total liability is limited to the total subscription fees paid in the 12 months preceding a claim.

9. Investment Risk Disclaimers

Investment Risks

  • All investments carry risk of loss, including loss of principal.
  • Past performance does not guarantee future results.
  • Projections are based on Monte Carlo simulations and historical data; actual outcomes may vary significantly.

10. Data Protection and Privacy

  • We adopt a privacy-by-design approach; all portfolio calculations occur client-side.
  • We collect minimal personal data required for account creation and billing.
  • Our Privacy Policy describes data processing, retention, and user rights under GDPR.

11. Prohibited Uses

Users must not:

  • Reverse-engineer, decompile, or circumvent any security measures.
  • Use the Service for unlawful, harmful, or fraudulent purposes.
  • Interfere with or disrupt the Service or its infrastructure.

12. Service Availability and Modifications

investlogic.io may modify, suspend, or discontinue features at any time. We will give reasonable notice of material changes.

13. Termination

We may suspend or terminate your access for violations of these Terms. Upon termination, your right to use the Service ceases immediately; subscription fees are non-refundable except as required by law.

14. Governing Law and Jurisdiction

These Terms are governed by German law. The courts at the registered office of OPILIO ventures UG (haftungsbeschränkt) in Berlin have exclusive jurisdiction.

15. Contact Information

For support or legal inquiries, email: support@investlogic.io