Who these terms are between
These terms are an agreement between you and TBD — full legal entity name, company registration number, registered address and, where required, VAT number (“Kaptal”, “we”, “us”), which operates the Kaptal apps for iOS, macOS and Android and the website at wealthbeing.app.
You accept these terms when you first sign in, when you open the demo, or when you use this website. If you do not accept them, do not use Kaptal.
What Kaptal is, and what it is not
Kaptal is a portfolio tracker. You record the accounts, holdings and transactions you already hold elsewhere; Kaptal values them, converts them into a single currency and shows what they are worth over time.
Kaptal is not:
- a broker, bank, custodian, exchange or payment service. No money passes through Kaptal, and no order is ever placed anywhere on your behalf;
- a source of investment advice, and nothing in the app or on this site is a recommendation to buy, sell or hold anything;
- tax advice. The calculators on wealthbeing.app are estimates for orientation, computed from published statutory figures on the date shown on each page. Rates change, your facts differ, and only your tax authority or your adviser can tell you what you owe;
- a statement of account. Every figure Kaptal shows is our calculation from data you entered and market data we license. It is not a document from your broker or your custodian, and it should not be used as one for filing, audit, probate or any other official purpose.
Decisions you take after looking at Kaptal are yours.
Your account
Sign-in is social only. Today that means Continue with Google; sign-in with Apple is planned. There is no Kaptal password anywhere — we never ask for one, never store one, and cannot reset one. Your first sign-in creates your account; there is no separate registration step to complete.
- You must be entitled to use the identity-provider account you sign in with, and you are responsible for everything done through your Kaptal account.
- Keep the device and the identity-provider account secure. Tell us at TBD — security contact address if you believe someone else has reached your Kaptal data.
- An account is for one person. Do not record another person’s assets in it unless you are authorised to act for them.
- You must be at least TBD — minimum age; must be consistent with GDPR Art. 8 in each EU market (13–16 depending on the state) and with the App Store and Google Play age ratings years old.
If your identity provider closes or renames your account, you may lose the ability to sign in to Kaptal. That is outside our control.
The demo
Kaptal can be used without any account at all. The demo builds a simulated portfolio from the countries and currency you pick, and no user record is created for you.
The demo is illustrative. Accounts, holdings, prices and performance in it are generated, not real, and nothing in it should be read as a track record, a projection or an example of what any investment has done or will do. The demo dataset and the reference catalogues behind it are fetched from our servers, so ordinary technical request data is processed even in the demo — the Privacy Policy says what that is.
Your data stays yours
You keep every right you have in the accounts, transactions, notes and settings you enter. You grant us only the permission we need to run the service for you: to store that data, process it, calculate on it, back it up and sync it between your devices. That permission ends when the data is deleted.
You are responsible for what you enter — that you are allowed to enter it, and that it is accurate. Kaptal cannot check your numbers against your broker.
We do not sell your data, and we do not use the contents of your portfolio to target advertising. There is no advertising in Kaptal.
Market data and prices
Prices, exchange rates, dividends, splits and instrument details come from third-party market-data providers, chiefly Twelve Data, and are used under licence.
- Most markets are shown at the previous close. Live prices are available only for the markets we are licensed to stream; everywhere else Kaptal shows end-of-day data. This is a licensing limit, not a fault.
- Market data is provided “as is”. It can be delayed, incomplete, revised or wrong. Neither we nor our providers warrant its accuracy, and neither is liable for a decision you take on the strength of it.
- Do not use Kaptal as a trading terminal or as a price feed for anything time-critical.
- You may use market data inside Kaptal for your own personal use. You may not extract, redistribute, resell or republish it, or use it to build a competing dataset or service.
Free and paid plans
Kaptal has a free tier and a paid tier. What each includes, and the price, are shown in the app before you subscribe. TBD — final plan names, feature split and prices per market
- Subscriptions are sold and billed through TBD — confirm billing channel: Apple App Store / Google Play in-app purchase, or a direct processor such as Stripe or Paddle; each carries different consumer, refund and VAT/MOSS obligations.
- Subscriptions renew automatically until cancelled. You cancel through the store or account page you bought from, and cancellation takes effect at the end of the paid period.
- Refunds follow TBD — refund policy, and how it interacts with the store’s own rules.
- If you are a consumer in the EU or the UK you have a statutory right to withdraw from a distance contract within 14 days. TBD — confirm the withdrawal wording, the effect of asking for immediate access to the service, and the model withdrawal form to link
- We may change prices. Existing subscribers will be told at least TBD — notice period for price changes before a change takes effect, and may cancel before it does.
- If a payment fails or a subscription lapses, paid features stop. Your data is not deleted for that reason alone — see Ending this agreement.
What you may not do
- Circumvent rate limits, scrape the service, or access it by any automated means we have not published.
- Extract or redistribute market data, in bulk or otherwise, beyond your own use of the app.
- Reverse engineer, decompile or disassemble the software, except to the extent that applicable law expressly permits it despite this restriction.
- Interfere with the service, probe it for vulnerabilities without permission, or use it to store or transmit anything unlawful.
- Resell, sublicense or provide Kaptal as a service to others.
Responsible security reports are welcome at TBD — security contact address and disclosure policy.
Availability, changes and beta features
We work to keep Kaptal available and correct, but we do not guarantee uninterrupted or error-free service, and there is no service-level commitment unless one is agreed in writing. TBD — whether any uptime commitment is offered on the paid tier
We may add, change or withdraw features. Where a change materially reduces what a paid plan does, we will give notice and you may cancel. Features marked beta, preview or experimental may change or disappear without notice and are provided without warranty of any kind.
Ending this agreement
You can leave at any time. Stop using the app, or ask us to delete your account. Deletion removes your portfolio data from our systems as described in the Privacy Policy; it does not by itself cancel a subscription bought through an app store, which you must cancel there.
We may suspend or close an account if you materially breach these terms, if we are required to by law, or if an account is being used to attack or abuse the service. Where it is practicable and lawful to do so, we will tell you first and give you a chance to put it right. On closure we will give you a reasonable opportunity to export your data unless the law prevents it.
We may also discontinue Kaptal entirely. If we do, we will give at least TBD — notice period before service discontinuation notice and provide a way to export your data.
Intellectual property
The Kaptal name, logo, apps, website, design and software are ours or our licensors’. You get a personal, non-exclusive, non-transferable, revocable licence to use them as the service intends, and nothing more.
If you send us feedback or a suggestion, we may use it without obligation or payment to you. This does not affect any right you have in the data you entered.
Disclaimers
To the fullest extent the law allows, Kaptal is provided as it is and as it is available, without warranties of any kind — including any implied warranty of merchantability, fitness for a particular purpose, accuracy or non-infringement.
Nothing in this section limits rights you have as a consumer under the mandatory law of the country you live in.
Limits on liability
TBD — the whole of this section needs a lawyer. The cap, the excluded heads of loss and the carve-outs all differ between the EU consumer regimes, Switzerland, Singapore and the UK, and an unenforceable clause is worse than a modest one.
Subject to that review, our intention is that:
- We are not liable for investment losses, tax assessed, penalties, or decisions taken on the strength of anything Kaptal displays, including market data supplied by third parties.
- We are not liable for indirect or consequential loss, or for loss of profit, goodwill or data, to the extent the law allows that exclusion.
- Where liability cannot be excluded, it is capped at TBD — liability cap, e.g. the amount you paid in the 12 months before the claim.
- Nothing excludes or limits liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded.
Changes to these terms
We may update these terms. If a change materially affects your rights or obligations, we will tell you in the app or by email at least TBD — notice period for material changes to the terms before it takes effect, and the date at the top of this page will change. Continuing to use Kaptal after that date means you accept the new version. If you do not, stop using Kaptal and, if you are on a paid plan, cancel it.
Governing law and disputes
These terms are governed by the law of TBD — governing law, which should follow the jurisdiction the operating entity is established in, and disputes go to the courts of TBD — exclusive or non-exclusive forum.
If you are a consumer, this does not deprive you of the protection of the mandatory law of the country you live in, and you may bring proceedings in the courts of that country.
Before going to court, please write to us at TBD — complaints contact address; most things are faster to fix that way. TBD — whether an out-of-court consumer dispute-resolution body is used or recognised, and which; note that the EU ODR platform no longer operates, so the standard “link to the ODR platform” clause must not be copied from an older template
The language of these terms
This document is published in English, and the English text is the version we maintain. TBD — which language version governs, and whether consumer terms must be offered in the local language in Poland, the Netherlands, Germany, Switzerland and Singapore before those markets open
How to reach us
TBD — general contact email, the postal address for legal notices, and the separate address for data-protection requests used in the Privacy Policy
TBD — whether an Impressum is required for the German-language markets (Germany, Switzerland, Austria) and, if so, whether it lives on this page or its own