General Terms and Conditions (GTC)

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.

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

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.

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

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.

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.

Usage is billed via credits. One credit typically equals one processed PDF page. The required credits are shown before processing starts.

Credits can be purchased in a freely selectable amount; the price per credit depends on volume (volume rates, e.g. €0.12 to €0.06 per credit).

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

Credits are only finally deducted for a conversion once the conversion has been successfully completed.

One-time credit purchases do not renew automatically. If the Provider offers subscriptions, they renew automatically for the agreed term unless cancelled no later than one day before the end of the current period (see § 10).

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).

The Provider uses state-of-the-art AI models and multi-step validation to achieve very high accuracy. A guarantee or assurance of 100% error-free conversions is technically impossible; the Customer waives any claim to a 100% accuracy obligation.

The Customer acknowledges that the quality of uploaded files (scan resolution, cropping, handwriting, uncommon layouts) can affect results. The Customer must review and approve the exported data before using it for bookkeeping, tax filings, reporting, or other purposes.

The Provider is not liable for damages solely caused by OCR/parsing inaccuracies unless caused intentionally or by gross negligence or by a breach of an essential contractual obligation. In the latter case, liability is limited to the typical, foreseeable damage. Statutory liability under the Product Liability Act and for injury to life, body, or health remains unaffected.

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

Accounts may be terminated at any time without notice. If the Customer has entered into a subscription, it can be cancelled in the dashboard up to one day before the end of the billing period.

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.

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

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.

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.

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).

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).