Terms of Service

Last updated: 9 May 2026 · Version 1.0

The French version of these terms (CGU) is the legally binding version. This English translation is provided for convenience. In case of discrepancy, the French version prevails.

1. Preamble

These Terms of Service (the "Terms") govern access to and use of the Ovarli service, available at https://ovarli.app, operated by Vinny Jordan Mboyo, sole proprietorship registered in Switzerland (the "Ovarli" or "we").

By creating an account or using the service, you (the "user" or "you") accept these Terms in full. If you do not accept them, you must not use the service.

2. Definitions

• Service: the Ovarli web application and all associated features.
• Account: the personal space created by a user to access the service.
• User data: the financial and personal information you enter into or import to the service.
• Plan: a subscription tier (Essential, Pro, Premium) that determines the features available to you.

3. Description of the service

Ovarli is a personal finance application designed in Switzerland. It lets users track their budget, wealth, investments and crypto holdings, with multi-scenario forecasting tools and, on paid plans, AI-generated recommendations.

Important. Ovarli does not provide financial advice within the meaning of the Swiss Financial Services Act (FinSA) nor investment advice. Information displayed, including AI recommendations, is informational only and does not bind Ovarli's liability. Any investment, tax or wealth-management decision is the user's sole responsibility, who is invited to consult a qualified professional (tax advisor, wealth manager, fiduciary) before any operation.

4. Sign-up and account

Sign-up is free and requires a valid email address or a Google account. You agree to provide accurate information and keep it up to date. Account creation is restricted to adults (18 years and older).

You are solely responsible for the confidentiality of your credentials and any activity from your account. You agree to enable two-factor authentication (2FA) when available and to notify Ovarli immediately at hello@ovarli.app of any unauthorized use of your account.

During the closed beta, sign-ups may be subject to manual approval by Ovarli. No subjective right to account activation is granted during this phase.

5. Pricing and billing

The service is offered under three plans: Essential, Pro and Premium. Final pricing will be communicated when the beta ends and will be displayed inclusive of all applicable taxes.

During the beta phase, plans are assigned manually by Ovarli and are not billed. Automated billing via Stripe will be activated later, and you will be notified by email before any charge. No payment method is requested as long as billing is not active.

You may change plans or cancel your subscription at any time from your account. Cancellation takes effect at the end of the current billing period, with no pro-rata refund unless otherwise required by law.

6. User commitments

You agree to:

• Use the service in accordance with its purpose and applicable Swiss law.
• Not attempt to bypass security measures, mass-extract data, or overload the infrastructure.
• Not use the service for illegal, fraudulent, money-laundering or terrorism-financing purposes.
• Not reverse-engineer, decompile or disassemble the service.
• Not infringe Ovarli's or any third party's intellectual property rights.
• Not impersonate a third party or transmit defamatory, abusive or privacy-violating content.

7. Intellectual property

The service, its source code, design, copy and the "Ovarli" mark are the exclusive property of Ovarli or its partners and are protected by copyright, trademark law and any other applicable provisions. These Terms do not transfer any intellectual property. You receive a personal, non-exclusive, non-transferable and revocable license to use the service for the duration of your subscription.

Data you enter remains your property. You retain at all times the right to export or delete it (see our Privacy Policy).

8. Personal data

Processing of personal data is governed by our Privacy Policy, which is integral to these Terms. You are invited to read it carefully before using the service.

9. Availability and maintenance

Ovarli uses best efforts to ensure continuous availability of the service, without contractually guaranteeing an uptime rate during the beta phase. Interruptions may occur for maintenance, updates, technical incidents or third-party causes (hosting provider, telecom operator, etc.).

Ovarli endeavors to schedule maintenance during off-peak hours and to inform users when reasonably possible.

10. Limitation of liability

To the fullest extent permitted by Swiss law, Ovarli will not be liable for:

• Investment, tax or wealth-management decisions made by users based on information shown by the service.
• Inaccuracy of exchange rates, stock prices or crypto rates supplied by third-party sources.
• Indirect, immaterial or consequential damages (loss of profit, data loss caused by user error, loss of opportunity).
• Unavailability resulting from third-party causes or a third-party security breach.

These limitations do not apply in case of willful misconduct or gross negligence by Ovarli, nor do they affect any mandatory consumer rights.

11. Suspension and termination

You may close your account at any time from your profile (Profile → Danger zone). Account deletion triggers erasure or anonymization of your personal data as described in our Privacy Policy.

Ovarli may suspend or terminate an account, without notice or compensation, in case of breach of these Terms, fraudulent use, or order from a competent authority. We will notify the user when circumstances allow.

12. Amendments

Ovarli may amend these Terms at any time to reflect legal, technical or commercial evolution. Material amendments will be notified by email and/or in-service banner at least thirty (30) days before they take effect. Continued use after that date constitutes acceptance. If you disagree, you may close your account at no cost.

13. Force majeure

Neither party is liable for failure to perform its obligations in case of force majeure under Swiss law, including natural disaster, large-scale cyber attack, infrastructure provider failure (hosting, DNS, certificates), strike, armed conflict, or order of authority.

14. Assignment

Ovarli may assign these Terms and the contract with the user to a third party, in particular in case of merger, acquisition or asset transfer. Users will be notified at least thirty (30) days in advance and may terminate their account at no cost if they do not wish to continue with the assignee.

15. Governing law and jurisdiction

These Terms are governed by Swiss law, excluding its conflict-of-laws rules and the Vienna Convention on the International Sale of Goods.

Any dispute concerning the formation, performance or interpretation of these Terms shall be submitted to the ordinary Swiss courts having jurisdiction under the Swiss Code of Civil Procedure, subject to mandatory consumer protection forums under Swiss law or, where applicable, the law of the consumer's habitual residence in the European Union (Article 18 of Brussels I bis Regulation or Article 5 of the Lugano Convention).

16. Contact

For any question regarding these Terms, contact us at hello@ovarli.app.

Drafted by the Ovarli team based on the Swiss FADP (Federal Act on Data Protection of 25 September 2020), the GDPR (EU Regulation 2016/679) and the publicly available practices of recognized Swiss SaaS publishers. A professional legal review is recommended before any broader public launch. To report inaccuracies, write to hello@ovarli.app.