Last updated: July 30, 2026 (version 2.0)
1. Scope
1.1 These Terms of Service ("Terms") apply to all contracts for the use of the SaaSFlow software and related services (the "Services") between Walletguide GmbH ("SaaSFlow") and the customer.
1.2 SaaSFlow's offering is directed exclusively at businesses within the meaning of Sec. 14 of the German Civil Code (BGB), legal entities under public law and special funds under public law. By registering, the customer confirms that it uses the Services in the course of its commercial or independent professional activity.
1.3 Deviating or supplementary terms of the customer do not become part of the contract, even if SaaSFlow does not expressly object to them.
2. Subject of the contract
2.1 SaaSFlow is web-based software for analyzing, evaluating and planning financial, revenue and subscription data. SaaSFlow makes the Services available to the customer over the internet in their current version for the duration of the contract. The feature scope of the chosen plan follows from the price list and the product description on the website.
2.2 The Services provide analyses and metrics based on the data the customer brings in and connects. They are not tax, legal or investment advice. Business decisions based on the analyses are the customer's own responsibility.
2.3 SaaSFlow continuously develops the Services and may adapt, extend or replace features, provided the core of the contractually agreed scope remains intact. SaaSFlow informs the customer at least fourteen (14) days in advance before discontinuing material features.
3. Conclusion of contract and accounts
3.1 The contract is concluded when the customer completes registration and SaaSFlow provides the account, or when the customer orders a paid plan within the Services and SaaSFlow confirms the order.
3.2 The customer ensures that the details provided during registration and thereafter (in particular company name and email address) are accurate and up to date.
3.3 User accounts are personal. Credentials must be kept secret and must not be shared. The customer may create additional users for its company within its account and is responsible for their actions within the Services as for its own. The customer informs SaaSFlow without undue delay if it suspects misuse of credentials.
4. Availability and support
4.1 SaaSFlow aims for high availability of the Services and operates them on redundant cloud infrastructure in the EU. Planned maintenance is carried out outside regular business hours where possible and announced in good time.
4.2 Periods attributable to planned and announced maintenance, force majeure, or disruptions outside SaaSFlow's control, in particular outages of connected third-party systems (e.g., banking and payment interfaces), do not count as availability interruptions.
4.3 SaaSFlow provides support by email and via the in-product chat during regular business hours.
5. Free plans, trials and beta features
5.1 SaaSFlow may offer free plans and trial periods. Their scope and conditions follow from the price list. For free plans, SaaSFlow may adjust the feature scope with reasonable notice and may terminate the contract with thirty (30) days' notice.
5.2 Features marked as beta or preview are provided voluntarily and without any claim to their continued existence. They may work with limitations and may be changed or discontinued at any time.
6. AI features
6.1 Individual features of the Services use large language models from external providers (e.g., for the monthly performance report, the report chat and categorization suggestions). These features only run if an authorized user of the customer has first approved the respective AI provider inside the product. The approval dialog names the provider, the model, the place of processing and the data categories shared; an approval can be revoked at any time in the product settings.
6.2 AI-generated content is produced automatically and may be inaccurate or incomplete. The customer reviews it before basing business decisions on it. Section 2.2 applies accordingly.
7. Customer obligations
7.1 The customer uses the Services only within the bounds of the law and these Terms. In particular, the customer must not:
- submit content that infringes third-party rights or applicable law;
- introduce malware or use the Services in a way that impairs their functioning or their use by third parties;
- gain, or attempt to gain, unauthorized access to accounts, systems or networks for itself or third parties;
- rent out or resell the Services, or make them available to third parties outside its company.
7.2 When connecting data sources (e.g., bank accounts, payment, CRM and accounting systems), the customer ensures that it is authorized to connect them and to process the data retrieved from them.
7.3 The customer is responsible for regularly backing up the source data it brings in, to the extent that data exists outside the Services. Export features are available within the Services.
8. Rights of use and customer data
8.1 SaaSFlow grants the customer the non-exclusive, non-transferable right to use the Services for its own internal business purposes for the duration of the contract. All further rights to the Services and the underlying software remain with SaaSFlow and its licensors. Reverse engineering and decompilation are only permitted within the limits of Sec. 69d, 69e of the German Copyright Act (UrhG).
8.2 The data the customer brings in and retrieves via connected sources ("Customer Data") remains the customer's data. SaaSFlow claims no rights to it and uses it exclusively to the extent required to provide, secure and improve the Services.
9. Confidentiality
9.1 Each party treats the other party's confidential information as confidential, uses it only to perform this contract and does not disclose it to third parties. Confidential information is information marked as confidential, trade secrets within the meaning of Sec. 2 of the German Trade Secrets Act (GeschGehG), and information whose confidentiality follows from its nature or the circumstances, in particular Customer Data, prices and non-public product information.
9.2 SaaSFlow always treats Customer Data as confidential, regardless of whether it contains personal data. This covers in particular the customer's financial and business data, such as revenue and subscription metrics, bank transactions, account balances and planning data, as the customer's trade secrets. SaaSFlow protects it with appropriate technical and organizational measures and only discloses it (a) to the service providers listed in the sub-processor list, to the extent required to provide the Services, (b) as described in these Terms, the privacy policy or the Data Processing Agreement, (c) with the customer's consent, or (d) due to a legal obligation.
9.3 Information that is or becomes publicly known without breach of this section, that a party lawfully receives from third parties, or that it develops independently is not confidential. Statutory disclosure obligations remain unaffected; the affected party is informed in advance where permitted.
9.4 The obligations under this section 9 survive the termination of the contract.
10. Data protection and data processing
10.1 Information on the processing of personal data is provided in the privacy policy.
10.2 To the extent the customer uses the Services to process personal data of its own customers, users or business contacts, the customer is the controller and SaaSFlow the processor within the meaning of the GDPR. The Data Processing Agreement ("DPA"), including its annexes, forms an integral part of these Terms and governs that processing. SaaSFlow provides a countersigned copy upon request to [email protected].
11. Fees and payment
11.1 The fees for paid plans follow from the price list at the time of the order. All prices are exclusive of statutory VAT unless stated otherwise.
11.2 Billing takes place in advance for the respective billing period via SaaSFlow's payment provider. Invoices are provided electronically.
11.3 SaaSFlow announces price changes at least six (6) weeks in advance by email. They only take effect from the next contract renewal. If the customer does not agree with a price change, the customer may terminate the contract effective at the end of the current contract term.
11.4 In the event of payment default, SaaSFlow may suspend access to the Services after prior notice with a reasonable period until the outstanding fees are settled. Further statutory rights remain unaffected.
12. Term and termination
12.1 The contract term follows from the chosen plan per the price list. It automatically renews for the same term unless the contract is terminated before expiry.
12.2 The customer may terminate the contract at any time effective at the end of the current contract term in the account settings. SaaSFlow may terminate the contract with three (3) months' notice effective at the end of the current contract term; section 5.1 applies to free plans.
12.3 Both parties' right to extraordinary termination for cause remains unaffected. Cause exists for SaaSFlow in particular if the customer seriously or repeatedly breaches section 7, or is in payment default with a not insignificant amount for more than two months.
12.4 In the event of serious breaches of section 7, SaaSFlow may also temporarily suspend access to the Services where necessary to protect the Services, other customers or third parties. SaaSFlow informs the customer of the reason and the expected duration, to the extent the protective purpose permits.
13. Consequences of termination
13.1 When the termination takes effect, access to the Services ends. The customer exports its data before the end of the contract via the export features of the Services; SaaSFlow provides assistance upon request.
13.2 After the end of the contract, SaaSFlow deletes the Customer Data in accordance with § 9 of the DPA: from the production systems no later than ninety (90) days after the end of the contract, and from backup systems as part of the regular backup rotation, unless statutory retention obligations require otherwise.
14. Warranty
14.1 The statutory provisions of German lease law apply to defects of the Services, with the following proviso: strict liability for defects that already existed at the time of contract conclusion (Sec. 536a(1) alt. 1 BGB) is excluded.
14.2 The customer reports defects without undue delay with a comprehensible description. SaaSFlow remedies them within a reasonable period.
15. Liability
15.1 SaaSFlow is liable without limitation for intent and gross negligence, for damage resulting from injury to life, body or health, in the event of fraudulent concealment of a defect, within the scope of an assumed guarantee, and under the German Product Liability Act.
15.2 In cases of simple negligence, SaaSFlow is only liable for the breach of material contractual obligations, meaning obligations whose fulfillment makes the proper performance of the contract possible in the first place and on whose observance the customer may regularly rely. In that case, liability is limited to the damage typical for the contract and foreseeable at the time of contract conclusion.
15.3 For loss of data, SaaSFlow is liable within the scope of sections 15.1 and 15.2 only up to the effort that would have been required to restore the data with proper and regular data backups; section 7.3 remains unaffected.
15.4 Any further liability of SaaSFlow is excluded. Liability under Art. 82 GDPR remains unaffected.
16. Changes to these Terms
16.1 SaaSFlow may change these Terms with effect for the future if there is a valid reason to do so (in particular changes in the law or case law, further development of the Services, or new features) and the change does not unreasonably disadvantage the customer.
16.2 SaaSFlow announces changes at least six (6) weeks before they take effect by email, pointing out the customer's right to object and the consequences of not objecting. If the customer does not object before the changes take effect, the changed Terms are deemed accepted. If the customer objects, the contract continues under the previous terms; in that case, either party may terminate the contract effective at the end of the current contract term.
17. Final provisions
17.1 The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG).
17.2 The exclusive place of jurisdiction for all disputes arising from or in connection with this contract is Cologne, Germany, provided the customer is a merchant, a legal entity under public law or a special fund under public law.
17.3 Notices under this contract may be given electronically (by email to the address on file or within the Services).
17.4 The customer may only set off claims that are undisputed or have been finally adjudicated, and may only transfer rights under this contract with SaaSFlow's consent; Sec. 354a of the German Commercial Code (HGB) remains unaffected.
17.5 These Terms are available in German and English. For customers domiciled in Germany, Austria or Switzerland, the German version is binding; for all other customers, the English version is binding. For the Data Processing Agreement, the German version is always the binding one.
17.6 Should individual provisions of these Terms be invalid, the validity of the remaining provisions remains unaffected.