Terms of Service

Acceptance of Terms

Welcome to GravityNest. These Terms of Service ("Terms") govern your use of our website, products, and services provided by GravityNest GmbH, a company registered in Germany with registration number HRB745136 and registered address at Mozartstraße 59, 20221 Hamburg, Germany. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

Description of Services

GravityNest provides professional cash flow projection templates, financial planning guides, and expert consulting services for businesses. Our services include downloadable Excel and Google Sheets templates, comprehensive documentation, personalised consulting, and ongoing support. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice to our users.

User Obligations

When using our services, you agree to:

• Provide accurate and complete information when creating an account or making a purchase
• Use our templates and services only for legitimate business purposes
• Not share, distribute, or resell our templates without explicit written permission
• Comply with all applicable laws and regulations in your use of our services
• Not attempt to reverse engineer, modify, or create derivative works of our templates
• Respect the intellectual property rights of GravityNest and third parties
• Not use our services for any unlawful, harmful, or fraudulent activities
• Maintain the confidentiality of your account credentials

Intellectual Property

All content, templates, software, and materials provided by GravityNest are protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable licence to use our templates and materials solely for your internal business purposes. You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit our materials without our express written consent. The GravityNest name, logo, and all related marks are trademarks of GravityNest GmbH.

Payment and Refunds

Payment for our services is due at the time of purchase unless otherwise agreed in writing. We accept major credit cards and other payment methods as indicated on our website. All prices are in Euros and include applicable VAT where required. Refunds may be provided at our discretion within 30 days of purchase for template packages, provided that the templates have not been substantially used or modified. Consulting services are generally non-refundable once delivered, but we will work with you to address any legitimate concerns about service quality.

Limitation of Liability

To the maximum extent permitted by law, GravityNest shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services. Our total liability to you for any claims related to our services shall not exceed the amount you paid for the specific service giving rise to the claim. Our templates and services are provided for general guidance only and should not be considered as professional financial, legal, or accounting advice.

Disclaimers

Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure. While we strive to provide accurate and up-to-date templates and information, we make no guarantees about the accuracy, completeness, or suitability of our materials for your specific business needs. You acknowledge that financial planning involves inherent risks and uncertainties, and you use our services at your own risk.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We implement appropriate security measures to protect your data, but we cannot guarantee absolute security of information transmitted over the internet.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Germany, without regard to conflict of law principles. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts in Hamburg, Germany. If you are a consumer residing in the European Union, you may also have the right to bring proceedings in the courts of your country of residence.

Termination

We may terminate or suspend your access to our services at any time, with or without cause, and with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. You may terminate your use of our services at any time by ceasing to access our website and services. Upon termination, your right to use our services will cease immediately, but the terms regarding intellectual property, limitation of liability, and governing law will survive termination.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically to stay informed of any changes.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law. The invalid provision will be replaced by a valid provision that most closely reflects the intent of the original provision.

Contact Information

If you have any questions about these Terms of Service, please contact us: