Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions are an agreement between you and Andrii Ivasiuk, a sole trader established in Germany, of Kinzigstr. 30, 10247 Berlin, Germany (“Odyn”, “we”, “us”). You can reach us at support@odyn.app.

By accessing or using the Odyn platform, website, and associated services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services. These terms apply to all visitors, users, and others who access or use Odyn.

These Terms apply both to consumers and to business users. A consumer is a natural person entering into this contract for purposes outside their trade, business or profession (§ 13 BGB); a business user is anyone else (§ 14 BGB). Where a provision is stated to apply only to consumers or only to business users, it applies only to them. No provision of these Terms restricts a right that you have by law as a consumer, and where a provision would have that effect it does not apply to you.

2. Description of Service

Odyn is a wealth tracking dashboard that allows users to aggregate, track, and analyze their financial assets in one place. The platform provides portfolio visualization, performance metrics, AI-powered insights, and related tools. Odyn is an informational tool and does not constitute financial advice. We do not manage money, execute transactions, or act as an investment adviser, broker or financial institution.

What Odyn shows you is produced from two things: the records you enter or import, and data from third-party providers such as prices and exchange rates. Third-party market data may be delayed, incomplete or subject to later correction by its provider. Calculated figures — net worth, profit and loss, IRR and similar metrics — are the result of applying a stated methodology to that data, and are only as accurate as the records behind them, including the ones you provide. Where we describe a figure as real-time, we mean that Odyn recalculates it as soon as new data reaches us; we do not mean that the underlying third-party data arrives without delay.

3. Account Registration

To access certain features, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account credentials secure. You are responsible for all activities under your account. Notify us immediately of any unauthorized use.

4. Google Sign-In

If you choose Google Sign-In, you authorize Odyn to access only the Google account data and OAuth scopes that you approve on the consent screen. You may revoke access at any time from your Google account permissions settings.

Odyn's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

5. User Obligations

By using Odyn, you agree to:

• Use the platform only for lawful purposes and in compliance with applicable laws
• Not attempt to reverse-engineer, decompile, or disassemble any part of the platform
• Not use automated means to access the platform without prior authorization
• Not upload malicious code, viruses, or any content that could harm the platform or other users
• Not share your account credentials with third parties

6. Intellectual Property

All content, features, and functionality of the Odyn platform — including but not limited to text, graphics, logos, icons, images, software, and design — are the exclusive property of Odyn and are protected by international copyright, trademark, and other intellectual property laws.

7. Your Data, Our Platform, and AI Output

Your records. Data you enter or import into Odyn remains yours, and we claim no ownership of it. You grant us a non-exclusive licence to host, store, process, back up and display it, and to pass it to the service providers we use, for the sole purpose of providing and supporting the service to you. That licence ends when the data is deleted.

Personal data. How we handle personal data is governed by our Privacy Statement, not by these Terms. To run Odyn we use service providers — for example hosting, error monitoring, payment and AI providers — who process data on our behalf, under contract and on our instructions. We do not sell personal data, and we do not disclose it to third parties for their own purposes except where the law requires it. Using processors to deliver the service is not a sale or a disclosure of that kind.

Figures we calculate. Metrics Odyn derives from your records are yours on the same footing as the records themselves: you can view, use and export them for as long as you have an account.

We may use data in aggregated and anonymised form — in a form from which you cannot be identified, directly or indirectly, and which cannot be re-associated with your account — to operate, secure and improve the service. We do not sell such data and we do not disclose it in a form that could identify you.

Third-party data. Market data, prices and other third-party content shown in Odyn remain the property of the provider that supplies them and are made available to you for your own use inside Odyn only. You may not redistribute or resell them.

Our platform. The Odyn software, interface, design and documentation are ours, as set out in section 6. Nothing in these Terms transfers any right in them to you beyond the right to use the service under your subscription.

AI output. Text and analysis that AI features generate in response to your inputs are provided to you for your own use, and we claim no ownership of them. Comparable output may be generated for other users from comparable inputs, so it is not exclusive to you. Section 8 sets out what AI output is and is not.

8. Financial and AI Disclaimer

Odyn is a data aggregation and visualization tool. Nothing on this platform constitutes financial, investment, tax, or legal advice. The information provided is for informational purposes only. You should consult qualified professionals before making any financial decisions. Odyn does not guarantee the accuracy, completeness, or timeliness of any data displayed. That last sentence describes the nature of third-party market data; it does not limit our obligations under section 12, nor any statutory right you have.

We do not give investment advice. We do not assess your personal circumstances, financial situation, investment objectives, knowledge, experience or risk tolerance, and nothing Odyn produces is a personal recommendation to buy, sell, hold or otherwise deal in any financial instrument. Where an output reads like a suggestion, it is a general automated observation about records you have entered, not investment advice and not a personal recommendation within the meaning of applicable financial services law. We are not a bank, broker, investment firm, payment service provider or financial adviser; we hold no client money or assets and we execute no transactions.

AI features. Some features generate text or analysis using artificial intelligence. AI output can be incomplete, inaccurate, out of date or unsuitable for your circumstances, and it can be expressed with more confidence than it deserves. It is provided for information only and must not be relied on as a recommendation to buy, sell, hold or otherwise transact in any financial instrument, or as a basis for any financial, tax or legal decision. Check it against the underlying records and your own sources before acting on it.

By using the AI features you acknowledge that they are experimental, that you will treat their output as information rather than advice, and that you will not rely on Odyn as the sole basis for any financial decision. AI output is generated automatically from the records in your account; it is not reviewed by a person before you see it, and no one at Odyn has considered your circumstances in producing it. If an output ever reads as though it were recommending a course of action in relation to a specific holding, that is a limitation of the technology and not something we intend — please tell us at support@odyn.app so that we can correct it.

9. Beta Services and Pilot Access

During the beta period, certain features may be provided free of charge. Beta features may be modified, suspended, or discontinued at any time without notice. We make no warranties regarding the availability, reliability, or performance of beta features. This section applies only to features identified as beta. A feature identified as beta does not form part of your paid subscription unless the description of your plan expressly states that it is included; where it does, sections 10 to 12 govern it and this section does not.

Odyn is currently offered as a pilot, and we have not fixed an end date for it. During the pilot the service is under active development: features are added, changed and removed more often than they would be in a settled product, and some will be rougher than they will later be. That is what you are agreeing to when you subscribe during the pilot, and it forms part of what was agreed for the purposes of section 12. It does not reduce the rights section 12 gives you, and it does not entitle us to withdraw functionality you have paid for — section 17 governs changes that materially affect you.

If we end the pilot without carrying the service forward, we will tell you at least 30 days beforehand and refund the price covering the period after the service ends. We will also make your data available for export for at least 30 days after that date.

10. Subscriptions, Payment, and Who You Are Contracting With

Odyn is offered on a monthly or annual subscription. Prices are shown on our pricing page and include applicable taxes. We do not receive or store your payment card details.

Subscribing creates two separate contracts, and it is worth being clear which is which:

• A purchase contract between you and Armitage Labs OÜ (trading as Creem), Rotermanni 14, Tallinn 10111, Estonia. Creem acts as merchant of record and is the seller of the subscription. Creem takes the payment, handles any applicable VAT, issues your invoice, and executes refunds and card disputes. That contract is governed by Creem's buyer terms.
• A service contract between you and us, on these Terms. We provide and operate Odyn, give you access to your account, support you, and are responsible for the service being what it should be.

In practice that divides as follows. Creem is responsible for taking payment, invoicing, VAT, and carrying out refunds and chargebacks. We are responsible for the service itself and everything that flows from it: your account and access to it, functionality and conformity, support, your personal data, whether a refund is due under our Refund & Cancellation Policy, handling any withdrawal you exercise, and termination. Whatever the question, you can start with us at support@odyn.app and we will involve Creem where the answer sits with them. Creem may also refund a payment on its own initiative under its buyer terms.

Monthly plans. The monthly price is charged when you subscribe and on the corresponding day of each following month, until you cancel.

Annual plans. The full annual price shown at checkout is charged immediately and covers the first twelve months. After that initial term the subscription does not renew for a second fixed year: it continues for an indefinite period, and you may end it at any time on one month's notice. While it continues we charge the then-current annual price on each renewal date, and we will remind you by email before every renewal, in good time for you to cancel.

Cancelling. You can cancel at any time using the cancellation button on our website. It is permanently available and reachable without logging in, you do not have to give a reason, and you do not have to contact us first. You may also cancel from Billing inside your account or by email to support@odyn.app if either is easier — those are additional routes, never conditions. We confirm every cancellation in text form, stating when we received it and the date it takes effect. Cancellation takes effect at the end of the period already paid for, unless the paragraph above on extended annual subscriptions or your statutory rights give an earlier date.

Price changes. If we change the price of your plan we will tell you in advance. A change never affects a period you have already paid for. If it applies to your next renewal and you do not want it, cancel before that date.

11. Refunds, Cancellation and Withdrawal

If you are a consumer in the EU, you have a statutory right to withdraw from this contract within 14 days, without giving any reason. The period begins on the day the contract is concluded.

Your access to Odyn begins as soon as you subscribe, so that you can use what you have paid for straight away, and we ask nothing from you in return for that. The law would permit us to keep a proportionate amount for the days you had the service if you then withdrew. We do not do that: if you withdraw within the 14 days we refund everything you have paid, in full, and we do not charge for the days you used. Starting to use Odyn does not take away your right of withdrawal.

Separately from your statutory rights, and in addition to them, we offer a voluntary 30-day money-back guarantee on your first annual subscription term.

Both are set out in full in our Refund & Cancellation Policy, which forms part of these Terms and which prevails over this section where the two conflict. Nothing in these Terms restricts your statutory rights as a consumer.

12. Service Quality, Updates and Your Statutory Rights

If you are a consumer, Odyn is a digital service within the meaning of §§ 327 ff. BGB, and those provisions give you rights that we can neither exclude nor limit. This section says what we owe you; it adds to your statutory rights and never replaces them.

Conformity. We provide Odyn in a condition that meets what we agreed with you and what you can reasonably expect of a service of this kind, taking into account its description, the plan you bought, and the public statements we have made about it.

Updates. For as long as your subscription runs we provide the updates, including security updates, needed to keep Odyn in conformity, and we tell you about them. If we have told you about an update and the consequences of not installing it, and a problem arises because you did not install it, that problem is not one we are responsible for.

If something is not right. Tell us at support@odyn.app. Where Odyn is not in conformity you are entitled to have it put right within a reasonable period and at no cost to you. If we fail to do that, or the problem persists, you may reduce the price or end the contract and be refunded the price for the period during which the service was not in conformity, in accordance with §§ 327m and 327n BGB. Ending the contract on this basis is not available where the defect is only minor.

Availability. We aim to keep Odyn continuously available. Maintenance, third-party outages and events outside our control can still interrupt it. We announce planned maintenance in advance where that is practicable and schedule it outside peak hours where we can. Short interruptions of this kind are not in themselves a lack of conformity.

Third-party data sources. Where Odyn relies on a third-party data provider, we are responsible for integrating that data correctly and for making clear when a source is unavailable or its data is stale. We are not responsible for the accuracy of the provider's own data, nor for a provider withdrawing or changing its service. Where such a change materially and lastingly reduces what Odyn can do for you, section 17 applies.

13. Limitation of Liability

Subject to the following paragraphs, to the maximum extent permitted by law, Odyn and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the platform. Our total liability shall not exceed the amount paid by you, if any, for accessing the platform in the twelve months preceding the claim.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, for intent or gross negligence, for fraudulent misrepresentation, under the German Product Liability Act (Produkthaftungsgesetz), or for any other liability that cannot lawfully be excluded. We are further liable for the slightly negligent breach of an essential contractual obligation — an obligation whose fulfilment is essential to the proper performance of this contract and on whose observance you may reasonably rely — limited to the foreseeable damage typical for this type of contract.

Nothing in these Terms limits or excludes any right or remedy that cannot lawfully be limited or excluded. In particular, this section does not affect your mandatory rights as a consumer in respect of digital products under §§ 327 ff. BGB, or the remedies described in section 12, and the cap in the first paragraph does not apply to them.

14. Indemnification

You agree to indemnify, defend, and hold harmless Odyn and its affiliates from any claims, liabilities, damages, losses, and expenses arising from your unlawful use of the platform, your breach of these Terms, or your infringement of a third party's rights, including through data or content you upload. It does not extend to anything caused by us or by anyone acting on our behalf.

This section applies only where you use Odyn otherwise than as a consumer, and applies on condition that we notify you of the claim promptly, allow you to control its defence and settlement with counsel of your choosing, give you reasonable cooperation at your expense, and make no admission of liability and no settlement without your consent, which you will not unreasonably withhold.

15. Termination

We may terminate or suspend your access to the platform for good cause. Where you hold a paid subscription, we will give you reasonable notice unless the cause makes immediate action necessary, and we will refund the unused portion of any period you have already paid for. Upon termination, your right to use the platform ceases immediately. You may also delete your account at any time by contacting us. Your own right to cancel a subscription is set out in section 10. We will not suspend or terminate a paid account because you have raised a billing dispute or a payment dispute in good faith.

16. Governing Law, and the Two Contracts

These Terms are governed by the laws of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer habitually resident in another country of the European Union, this choice of law does not deprive you of the protection of any mandatory provisions of the law of that country, which continue to apply to you.

Where disputes are heard. If you are a consumer resident in the European Union or the European Economic Area, you may bring proceedings in the courts of your country of residence or in the courts where we are established, and we may bring proceedings against you only in the courts of your country of residence. For everyone else — consumers resident outside the EEA, and anyone using Odyn otherwise than as a consumer — the exclusive place of jurisdiction is Berlin, Germany. Where the law of your own country gives you a right to bring proceedings there that cannot be excluded by agreement, that right is unaffected.

These Terms govern your use of the Odyn platform. They are not the contract under which you buy the subscription: that is a separate contract with Armitage Labs OÜ (Creem) as merchant of record, governed by Creem's buyer terms and Estonian law. Section 10 sets out which of us is responsible for what. Whichever of the two contracts is in question, if you are a consumer you keep the protection of the mandatory law of your country of residence in the European Union.

Where Odyn is offered. Odyn is operated from Germany and is intended for users in the European Union. We make no representation that Odyn is appropriate or available for use anywhere else. If you access Odyn from outside the European Union you do so on your own initiative, and you are responsible for complying with the law that applies to you — including any rule of your country that restricts the use of foreign services of this kind, or that requires you to report their use.

We are not obliged, and are not willing, to take part in dispute resolution proceedings before a consumer arbitration board (Verbraucherschlichtungsstelle).

17. Changes to these Terms and to the Service

We may need to change these Terms, or the service itself, while your subscription runs. What we have to do first depends on the kind of change.

• Changes required by law, or needed for security or to keep Odyn in conformity, we make with whatever notice is reasonable in the circumstances — immediately, where a security risk makes that necessary.
• Minor changes — changes that neither reduce the functionality you have paid for nor put you to any additional cost — we make on notice.
• Any other change to these Terms, and any change to the service that materially and to your disadvantage affects your access to it or your ability to use it, takes at least 30 days' notice in text form before it takes effect, telling you what is changing and when. We will only make a change of this kind where there is a valid reason for it, and never at additional cost to you.

Where a change materially impairs your access to Odyn or your ability to use it, you may terminate free of charge within 30 days of receiving the notice or of the change taking effect, whichever is later, and we will refund the price covering the remainder of the period you have paid for (§ 327r BGB). More generally, if you do not agree to a change you may cancel your subscription before it takes effect. Changes never apply retroactively to a billing period you have already paid for.

18. General

These Terms, our Refund & Cancellation Policy and our Privacy Statement together govern your relationship with us. The Refund & Cancellation Policy forms part of these Terms.

If any provision of these Terms is or becomes invalid or unenforceable, the remaining provisions stay in force, and the invalid provision is replaced by the applicable statutory provision.

Contract language. These Terms and the contract concluded under them are in English. Where we provide a translation, the English text prevails, except where mandatory law in your country of residence provides otherwise.

Keeping a copy. You can read these Terms at any time on our website and save or print them. We do not separately store the text of your contract in a form you can later retrieve from us, so please keep your own copy, together with the order confirmation Creem sends you.

Notices. We send notices to the email address held on your account, and you can reach us at support@odyn.app. Please keep your email address current.

19. Contact Information

For questions about these Terms, please contact us at support@odyn.app. Our full provider details are set out in section 1 and in our Impressum.