Terms of Service
§ 1 Provider and scope
The provider is BrightComb, owner Gor Gevorkjan, Teichmummelring 65, 12527 Berlin, Germany (“we”). These terms govern the use of Honeycomb Investment Simulator at brightcomb.com/honeycomb and the purchase of Pro access by consumers. Deviating terms of the user do not apply.
§ 2 Services
The basic functions (compound interest calculator, goal calculator, statistics table, bitcoin supply page) are free and usable without an account. Pro access additionally includes best and worst case, contributions and compounding intervals, horizons up to 60 years, Monte-Carlo simulation, net and real returns, the interactive comparison and the complete annual tables. Pro access is a digital product within the meaning of §§ 327 et seq. German Civil Code (BGB).
§ 3 Account
Pro access requires an account operated solely via an email address and a sign-in link sent by email. The user keeps the email address and the mailbox access confidential and is responsible for actions under the account.
§ 4 Conclusion of contract
The presentation of Pro access is not an offer but an invitation to order. By clicking “Buy now, pay …” and completing payment at Stripe the user submits a binding offer. The contract is concluded with our confirmation email, which we send immediately after receipt of payment. The contract language is German or English depending on the chosen language. We store the contract text and send it to the user by email.
§ 5 Price and payment
The price is shown before ordering in the chosen currency and is a total price. No VAT is charged (§ 19 German VAT Act, small-business rule). Payment is processed by Stripe with the payment methods offered there. It is a one-time payment, not a subscription.
§ 6 Term
Pro access is valid for twelve months from receipt of payment and then ends automatically. There is no automatic renewal and no need to cancel. A further purchase extends access by another twelve months from the end of the current period.
§ 7 Right of withdrawal
Consumers have a statutory right of withdrawal. Details and the model form are in the withdrawal notice. The right expires early if, before paying, the user expressly consents to immediate performance and acknowledges losing the right of withdrawal (§ 356 (5) BGB).
§ 8 Licence
The user receives a simple, non-transferable right to use the service for personal, private purposes. Automated scraping, resale, sharing of access and embedding in own offerings are not permitted. Results may be saved and shared for private purposes.
§ 9 Availability, updates, changes
We aim for 99 % annual availability; maintenance windows and outages of third parties (hosting, payment, data sources) are reserved. During the term we provide the updates necessary to keep the product in conformity (§ 327f BGB). We may develop features further as long as the contractual core (§ 2) is preserved. Market data is ingested automatically from public sources; we do not warrant its accuracy beyond § 11.
§ 10 No advice
The service provides simulations, not investment, tax or legal advice. The disclaimer applies. Decisions are the user's own responsibility.
§ 11 Warranty and liability
Statutory warranty rights for digital products apply to Pro access. We are liable without limitation for intent and gross negligence, for injury to life, body or health, and under the Product Liability Act. For slight negligence we are liable only for breach of essential contractual obligations, limited to the typical, foreseeable damage. Further liability is excluded.
§ 12 Data protection
Information on the processing of personal data is in the privacy policy.
§ 13 Final provisions
German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. For consumers habitually resident in another state, the mandatory consumer protection rules of that state remain unaffected. Should a provision be invalid, the remainder of the contract remains valid.