Terms of use

CoinCoach is an application for various platforms, developed and offered to you by CoinCoach a brand of Make it work OÜ, No.: 12198220, with its registered office at Loitsu tn 1-146 Lasnamäe linnaosa, Tallinn Harju maakond 13622 (“Provider”). It enables its users to track and manage their personal finances, as well as analyse and visualise their income, expenses, budgets, goals transactions and much much more. Your use of the CoinCoach application and all the related services provided through it by Provider (collectively referred as “CoinCoach”) is subject to the following terms (“Terms”), which upon your acceptance form a legally binding agreement between you and the Provider (“Agreement”). For the avoidance of doubt, such agreement is concluded solely between you and the Provider and there are no other parties to it.

CoinCoach is currently available free of charge.

Acceptance

These Terms regulate the legal relationship between you and the Provider and also represent a framework contract on the basis of which Provider is providing an account information service to you. The Terms are always available to you through the distribution platforms or in the CoinCoach application and you have the right to request them to be sent to your e-mail in the form of a PDF file. You may not use CoinCoach unless you express your acceptance of the Terms during the sign-up process by choosing “Accept” in a confirmation dialog box. You are also expressing your acceptance and willingness to be bound by these Terms by using or otherwise accessing CoinCoach.

You may not accept these Terms unless you are at least 15 years of age and you have sufficient legal capacity to enter into a contract. If you are less than 18 years of age, you must have your parent or legal guardian’s permission to accept the Terms and use CoinCoach.

By accepting these Terms you declare that you are not a politically exposed person as defined by the European Union directive 2006/70/EC. If you fail to comply or cease to comply with this condition, or if you have any doubt as to whether you fulfil this condition, you must contact the Provider by email: [email protected]

Term & termination

The Agreement will remain in full force and effect while you use CoinCoach and until terminated by either you or the Provider. Termination always includes deletion of your user account.

You may terminate the Agreement at any time and for any reason by sending a notice to the Provider (by e-mail) and deleting the CoinCoach application. 

Provider may terminate the Agreement upon notice at any time and for any reason. The notice period is 2 months unless immediate termination is agreed between you and Provider. In exceptional circumstances under relevant UK, EU or Estonian law, such as money laundering or terrorist financing, any action which targets the freezing of funds, or any specific measure linked to the prevention and investigation of crimes, Provider may terminate the Agreement without notice at any time.

Amendments

When there are changes in laws or regulations, conditions in the financial services markets, technology or organisational processes, or when changes are needed due to compliance with the statutory obligation of prudential business rules or in order to improve quality of services provided through CoinCoach application, Provider may amend the Terms at its sole discretion. Such an amendment may cover areas such as amending and terminating the Agreement, registering a user account or Paid features and prices. You will be notified about the planned changes in advance through the CoinCoach application and via e-mail (with the updated Terms attached in the form of a PDF file). The updated Terms will be published 2 months prior to the effective date. By continued use of CoinCoach, you are expressing your acceptance of the changes. If you do not agree with the changes, you may terminate the Terms at any time and free of charge.

Release of updated version of the CoinCoach application may precede the effective date of the updated Terms for existing users. You may be required to accept the updated Terms in order to be able to use all features of the updated version of the CoinCoach application.

Your use of CoinCoach

You must use CoinCoach only in accordance with the Terms, for the purpose it was intended and obey all of the applicable laws and terms and conditions of third parties.

You must not use CoinCoach to engage yourself in activities that mar, interfere, destroy, or access in an illegitimate fashion servers, network connectivity, or other aspects or services of any third-party.

Registration & user account

In order to be able to use CoinCoach you have to sign up. You can sign up with your email or with your phone number. You agree to provide to the Provider only accurate, truthful and current information and keep it up to date.

You must keep your CoinCoach account login information confidential and secure and you may not share it with anyone. You are solely responsible and liable for any and all activities that occur under your account.

The Provider reserves the right to refuse your registration or suspend your CoinCoach account at any time.

Account synchronisation

One of the features of CoinCoach enables you to connect to bank accounts or e-wallets (“accounts”) maintained by hundreds of supported financial institutions around the world and synchronise automatically your account information with CoinCoach on the basis of your explicit consent to Provider as an account information service provider. For this purpose, CoinCoach may use its own technology utilising APIs of the financial institutions or a third-party solution provided by Salt Edge Inc., with its registered seat at 35 Jack Aaron Drive, Ottawa, Ontario, K2G 6L2, Canada (“Salt Edge”). You can find applicable terms and conditions and details on security and privacy on ​www.saltedge.com​.

You agree to connect only to payment accounts you own or you are otherwise entitled to use. In case you use the payment account synchronisation feature of CoinCoach based on solution provided by Salt Edge, you expressly appoint Salt Edge to access your on-line payment account in read-only mode, retrieve on your behalf your data and share it with CoinCoach, as well as authorise the respective financial institution to make these data available to Salt Edge.

Furthermore, you represent and warrant Provider and Salt Edge that you have all necessary rights to do so.

CoinCoach users who connect to European banks using Salt Edge may sign up to the Salt Edge Dashboard to manage the connections in a consolidated way. By accessing the Salt Edge Dashboard and using the Services, you agree to Salt Edge’s Dashboard Terms and Conditions​ and Salt Edge ​Privacy Policy​.

User content

You may enter and upload to CoinCoach or synchronise with it texts, numerical data, photos or other content. You retain copyright and all other rights to your content that qualifies for a legal protection. For such content you grant Provider a worldwide nonexclusive, no-charge and royalty-free license to use it in the connection with provision of the services, including without limitation, rights to copy, reproduce, modify, create derivative works of, publish, display, upload, transmit, distribute, market and sublicense. You represent that you have all necessary rights and consents to do so. The license lasts for the full term of the copyright or until a termination of the Terms.

You are solely responsible for any content you provide to CoinCoach and for any consequences thereof. You may not enter or upload to CoinCoach or synchronise with it unlawful content or content that infringes copyright or any other third-party rights. You may not upload any content describing or depicting violence or content which is pornographic, discriminatory, racist, defamatory or otherwise illegal and share it with other users of CoinCoach.

Provider does not review the user content but reserves the right to remove or disable access to any user content for any reason.

Provider has no responsibility for the accuracy of the content you provided to CoinCoach or synchronised with it or which was created by CoinCoach based on your input.

   

You are solely responsible for backing up the content you enter or upload to CoinCoach or synchronise with it.

Not professional advice

Based on your user content (particularly synchronised account data) CoinCoach may provide you with personalised services relating to financial health and well-being (such as measures and analyses of various financial indicators) or commercial offers (ads). You hereby acknowledge and agree that such advice or commercial offers do not constitute professional financial, tax, accounting, investment or any other professional advice and Provider makes no representations or warranties of any kind related thereto. In no event shall Provider be liable for any damages caused to you or a third person arising out of your use of such financial advice or commercial offers.

License & ownership

CoinCoach application and all rights therein, including intellectual property rights, shall remain Provider’s property or the property of its licensors. Nothing in the Terms shall be construed to grant you any rights, except for the limited license granted below.

Subject to the Terms, Provider grants you a limited, non-exclusive, non-transferrable, non-sublicensable license, to access and use CoinCoach pursuant to the Terms on any same-platform device (i.e. iOS device) that you own and control. The license is granted solely for your personal, non-commercial use. Therefore, you may not rent, lease, lend, sell, transfer, redistribute, or sublicense the CoinCoach application. Third-party services or libraries included in CoinCoach are licensed to you either under these Terms, or under the third party’s license terms, if applicable.

Based on your license, you may not access CoinCoach with other means than the official application, mine or extract any data from CoinCoach databases, modify, reverse engineer, hack, decode, decrypt, decompile, disassemble or create derivative works of CoinCoach application or any part thereof and circumvent any technology used to protect the Paid features. You also may not remove, delete or obliterate any copyright notices, proprietary labels or private legends placed upon or found within the CoinCoach application.

Hardware & system requirements

Information about the current hardware and system requirements of CoinCoach, technical restrictions and other limitations are always available on the platform-specific page of the CoinCoach application.

Maintenance & support

CoinCoach is subject to a continuous development and Provider reserves the right, at its sole discretion, to update the CoinCoach application, change the nature of CoinCoach or modify or discontinue some of the features without prior notice to you. You acknowledge that Provider has no obligation to maintain or update CoinCoach.

Provider does not guarantee an uninterrupted provision of the services. CoinCoach or integrated third-party services may be temporarily unavailable due to the maintenance, certain technical difficulties, or other events that are beyond Provider’s control.

If you have some questions, problems or suggestions, you can reach the Provider via contacts provided hereafter. However, you acknowledge that the support to users of CoinCoach is limited due to the limited capacity of the Provider.

Warranties & limitation of liability

To the fullest extent permitted by law, in no event shall provider be liable for any direct, indirect, incidental, special, punitive, exemplary or consequential damages, including without limitation, loss of use, data, and profits, property damage or other intangible or economic loss, arising out of or related to your use or inability to use CoinCoach and integrated third-party services, especially due to reduction of availability, cancelation or modification, hacking attacks, failure, malfunction or occurrence of other errors in the operation of CoinCoach or integrated third-party services, even if provider has been advised of the possibility of such damages. Limitation above does not include provider’s liability for fraud, misrepresentation and personal injury or death. In no event shall provider’s total liability to you for all damages exceed Five U.S. dollars ($5.00). Some jurisdictions do not allow the limitation of liability, so this limitation may not fully apply to you. You expressly acknowledge and agree that use of the CoinCoach application and integrated third-party services is at your sole risk and therefore the entire risk, in particular as to satisfactory quality, performance, fitness for a particular purpose, accuracy, security and effort, remains solely with you. To the fullest extent permitted by applicable law, the CoinCoach application and integrated their-party services are provided “as is” and “as available” without any express or implied representations or warranties of any kind except as set forth in the present Terms. Some jurisdictions do not allow limitations on implied warranties, so this disclaimer may not fully apply to you.

Indemnification

You agree to indemnify and hold Provider, its directors, officers, employees and other representatives, harmless from any and all third-party claims arising out of your use of CoinCoach and integrated third-party services, including any liability or expenses arising from any claims, direct or indirect damages, lost profits, suits, judgments, litigation costs and attorneys’ fees.

Third-party services

CoinCoach or its parts may integrate or otherwise include third-party services or content such as third-party API’s. You acknowledge that also other terms and conditions than these Terms may apply to your use of such third-party services (including privacy policies) and that Provider does not guarantee availability of such services and content. You must agree and comply with any applicable third-party terms when using CoinCoach. The mere fact that CoinCoach integrates or otherwise includes third-party services or content does not constitute an endorsement of CoinCoach by respective third parties

iOS platform

If you are an iOS device user, the terms in this section also apply to you:

You acknowledge that the Terms are concluded between you and Provider only, not with Apple, and that Provider, not Apple, is solely responsible for CoinCoach application and the content thereof, excluding user content.

The license granted to you must be limited to use CoinCoach only as permitted by the Usage Rules set forth in the App Store Terms of Service, except that CoinCoach may be accessed and used by other accounts associated with the purchaser via Family Sharing.

Provider and not Apple is solely responsible for providing any maintenance and support services with respect to CoinCoach. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to CoinCoach.

In the event of any failure of CoinCoach to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to CoinCoach, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Provider.

Provider, not Apple, is responsible for addressing any of your or third-party claims relating to CoinCoach or your possession and/or use of CoinCoach, including, but not limited to, product liability claims, any claim that the CoinCoach fails to conform to any applicable legal or regulatory requirement and claims arising under consumer protection, privacy or similar legislation.

You acknowledge that, in the event of any third-party claim, that CoinCoach or your possession and use of CoinCoach infringes that third party’s intellectual property rights, Provider, not Apple, will be solely responsible for the investigation, defence, settlement and discharge of any such intellectual property infringement claim.

You acknowledge and agree that Apple and Apple’s subsidiaries are third party beneficiaries of this Agreement, and that, upon your acceptance of the Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce the Terms against you as a third-party beneficiary thereof.

Export control

You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country and you are not listed on any U.S. Government list of prohibited or restricted parties.

Consumer information

Monitoring and inspection in the field of consumer protection is carried out by Estonian Consumer Union

In a case of a consumer dispute between you and Provider which fails to be settled by mutual agreement, you are entitled to apply for an alternative (out-of-court) resolution of such dispute to the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) with its seat at Sakala 4, 15030 Tallinn, Estonia, E-mail: ​[email protected]​, Web: https://www.fi.ee/en

Governing law & disputes

Unless otherwise required by a mandatory law of any jurisdiction, the Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by the laws of Republic of Estonia. All court disputes shall be referred to the courts having substantive and local jurisdiction based on the address of the registered office of Provider.

Severability

If any provision of the Terms is held invalid or unenforceable to any extent, such invalidity or unenforceability shall not in any manner affect or render invalid or unenforceable other provisions of the Terms. The provision shall be enforced to the fullest extent permitted by law or deemed replaced by a provision that is valid and enforceable and that comes closest to the original intent and purpose.

Language

We agreed on English as a primary language of communication between you and the Provider. All information about CoinCoach is available in the English language. The Terms are available in the English language only. English shall also be the binding and controlling language for the additional agreements concluded pursuant to the Terms.

Complaints & contact information

Your questions, complaints or claims with respect to CoinCoach should be directed to:

CoinCoach a brand of Make it work OÜ, No.: 12198220, with its registered office at Loitsu tn 1-146 Lasnamäe linnaosa, Tallinn Harju maakond 13622, Estonia. For a faster response, please  email: ​[email protected]