§ 1 Scope

These Terms and Conditions govern every contract between KontoCSV (“Provider”) and natural or legal persons (“Customer”) regarding the use of the software-as-a-service platform available at https://kontocsv.de for automatically converting PDF bank statements into structured CSV/Excel files.

Conflicting or supplementary terms of the Customer do not apply unless the Provider expressly agrees in writing.

§ 2 Contracting Party & Contact

Provider: Hermann Hampel
Address: Kreuzäckerstr. 7, 85055 Ingolstadt, Germany
Email: support@kontocsv.de

§ 3 Service Description

The Provider offers a cloud-based application that analyzes uploaded PDF bank statements with AI support (OpenAI Vision) and provides the result as CSV/XLSX files.

Available features:

• Upload and encrypted processing (TLS 1.2+)
• Recognition of transaction data
• Export to CSV (.csv) / Excel (.xlsx) / ZIP with DATEV option
• Automatic deletion of all files no later than 24h after upload

The software is provided solely as software as a service (SaaS); no source code or installation package is owed.

§ 4 Registration & Account

Use requires registration via Supabase Auth (email/password or OAuth). The Customer must provide complete and truthful information and update it without delay in the account. Access credentials must be kept secret and must not be shared with third parties.

§ 5 Conclusion of Contract

The presentation of services on the website is not a binding offer. By completing the order process and—where applicable—paying via Stripe, the Customer submits a binding offer.

The contract is concluded when the Provider confirms the order by email or activates access to the service. The contract text is not stored after the conclusion of the contract; the Customer may access and download these terms at any time.

§ 6 Prices & Payment Terms

Pricing models

• Free Tier: 1 page free of charge
• Starter: €8/month incl. 100 pages
• Standard: €19/month incl. 500 pages
• Pro: €49/month incl. 1,500 pages

All prices include VAT (currently 19%). Billing is in advance via Stripe Payments Europe Ltd.; an electronic invoice is provided.

Subscriptions renew automatically for one month unless terminated no later than one day before the end of the current period (see § 10).

§ 7 Service Delivery, Availability & Updates

The Provider operates the platform with an annual average availability of 99% (“Service Level”), excluding maintenance windows of max. 4h/month. During the contract term, necessary security and feature updates are provided (digital elements pursuant to Secs. 327 et seq. BGB).

§ 8 Right of Withdrawal (Consumers)

Withdrawal instruction

Consumers have a 14-day right of withdrawal from the conclusion of the contract. The right expires if the Provider has fully performed the service and the Customer expressly consented to commencement before the end of the withdrawal period (Sec. 356 para. 5 BGB).

§ 9 Customer Obligations

The Customer must keep backups of their data; the service is not an archiving system.

§ 10 Term & Termination

Free accounts may be terminated at any time without notice. Subscriptions may be cancelled in the dashboard up to one day before the end of the billing period.

§ 11 Usage Rights

For the contract term, the Provider grants the Customer a simple, non-transferable right to use the provided downloads and generated files for their own business and private purposes. All other rights remain with the Provider.

§ 12 Warranty for Digital Services

Statutory warranty rights pursuant to Secs. 327 et seq. BGB apply. Any defects must be reported without delay to support@kontocsv.de.

§ 13 Set-off & Retention

The Customer may only set off undisputed or finally adjudicated claims; a right of retention exists only if it arises from the same contractual relationship.

§ 14 Changes to these Terms

The Provider may amend these Terms for the future if there is a legitimate interest (e.g. legal changes, new features) and the Customer is not unreasonably disadvantaged. Changes are announced by email at least 30 days in advance; if the Customer does not object before the effective date, the changes are deemed accepted.

§ 15 Online Dispute Resolution & Consumer Arbitration

The EU Commission provides a platform for online dispute resolution (ODR): https://ec.europa.eu/consumers/odr/. The Provider is neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board (Sec. 36 VSBG).

§ 16 Final Provisions

German law applies with the exclusion of the UN Convention on Contracts for the International Sale of Goods. Place of jurisdiction for merchants is Ingolstadt; consumers retain the statutory place of jurisdiction. The contract language is German.

If any provision is invalid, the validity of the remaining provisions shall remain unaffected (severability clause).