Terms and conditions

1. What the service is

You upload a trial balance in PDF format. A versioned calculation engine (currently 1.8.0) reads it and produces a report containing a 100-point bank score, financial indicators with formula, benchmark and interpretation, a check of the usual bank covenants, eligibility for lending products, balance anomalies against OMFP 1802 and an action plan.

The report is delivered as a web page and as a PDF file with the same content. The PDF's content is identical to the page; there are no sections available online only.

2. What the report is not

• It is not an accounting expert opinion and it is not a financial audit.
• It is not tax, legal or investment advice.
• It does not replace the annual financial statements and is not filed anywhere.
• It does not check whether the accounting entries are correct and does not uncover omitted or misclassified transactions. It faithfully reflects what the trial balance says, including the errors.
• It does not guarantee that financing will be obtained. The scoring reproduces the usual logic of bank analysis, but each bank has its own grid.

The report reflects solely the figures in the uploaded trial balance. If the trial balance has errors, so does the report. When a section's reconciliation does not close - for example cash flow on a monthly trial balance - the section is omitted from the report, with the reason shown, rather than publishing an unreliable figure.

3. How an order works

1. You tick the consent for data processing and the declaration that you have the right to request the analysis. Without both, nothing is processed.
2. You upload the trial balance, maximum 10 MB. The file is checked, read and deleted within the same request.
3. You see a free preview: the entity's identification, the number of accounts read, the class validation and a few figures.
4. If the trial balance cannot be read or does not produce enough indicators, the process stops here and no payment is requested.
5. You enter your email address, optionally your billing details and, if you wish, a password for the PDF. You pay through Stripe.
6. The report and the invoice reach you by email. The report stays available for re-download for 7 days.

4. Price, invoice, payment

The price is 5 EUR for one report. This is the final price. Nothing is added to the amount shown. There is no subscription, account or recurring payment. The price displayed on the page and the one charged at payment come from the same source and cannot differ.

Payment is processed by Stripe. Your card details never reach our servers. The invoice is issued automatically once payment is confirmed and is sent by email together with the report; it can be downloaded at any time from the order page.

5. Refunds and the right of withdrawal

If payment was confirmed but the report could not be generated for reasons on our side, the amount is refunded automatically, without any request from you, and you receive a confirmation email. We also cover the fee charged by the payment processor, up to 5 EUR per transaction, so that you are not left out of pocket by any amount. Depending on your bank, the amount appears in your account within 5-10 business days.

If you paid and the report did not reach you, write to us through the contact form and we will send it again: we keep it for 7 days from the moment it was generated. If the report is wrong, we cannot redo it, because the trial balance is deleted immediately after it is read and our copy is identical to yours; if the problem arose through our fault, you receive a 100% discount code so that you can generate the report again, and if even that is not possible, we refund the amount.

The service is digital content delivered immediately, and delivery begins with your express consent, given at payment. Under these conditions, the legal right of withdrawal within 14 days does not apply after the report is delivered, per art. 16 letter m) of GEO 34/2014. That does not stop us from refunding the amount when something genuinely did not work.

The service depends on the format of the trial balance produced by accounting software (for example SAGA). When they change the format of the trial balance, we will try to keep the service running and to update our reading procedures; the update may take time and may make the service unavailable for a while. If the economic effort of maintenance can no longer be sustained, the service may become impossible to keep running. In such a case, before shutting the service down, we will refund the amounts paid for unused code packages.

6. What you undertake

• That you have the right to submit the uploaded trial balance for analysis: you are the legal representative, an employee with the relevant duties, an authorised accountant or consultant, or you have the entity's explicit consent.
• That the email address you provide belongs to you or that you have the right to use it.
• That you do not attempt to upload files built to attack the service. Such attempts are rejected automatically and logged.

7. Limitation of liability

The report is a working tool, not a decision. Our liability is limited to the amount paid for the report in question. We are not liable for commercial, lending or tax decisions taken on its basis, nor for errors originating in the uploaded trial balance.

If the delivered PDF is protected with a password chosen by you, we do not keep it after delivery and cannot recover it. Write it down.

8. Changes to the terms

We may change these terms. The version applicable to your order is the one published at the moment of payment. The consent texts are versioned separately, and the recorded consent keeps the reference to the version shown then, not to the current one.