Terms of Service

These Terms of Service ("Terms") govern your use of the EquityMonitoring software and services provided by MOREL agency d.o.o., a company registered in Ljubljana, Slovenia, European Union ("we", "us", "MOREL"). By using the service you agree to these Terms.

Accepting the Terms

By accessing or using the service you agree to be bound by these Terms. If you do not agree, do not use the service.

Service description

EquityMonitoring is a self-hosted portfolio and cashflow tracker designed to help investors track multi-family, single-family, forest and other investments where users may act as General Partners. The service enables users to view amounts invested, cashflows received, and performance summaries across time periods.

User accounts

To access certain features you must create an account. You are responsible for safeguarding your account credentials and for any activity that occurs under your account.

User data and financial information

You retain ownership of data you upload to the service. We process and store the financial information you provide in order to provide the functionality of the service (summaries, analytics, reporting). This includes transaction details, investment amounts, and related metadata.

Security and privacy

We take reasonable technical and organisational measures to protect your data. The service is designed for self-hosting so you remain in control of where your data is stored. In addition:

• We recommend running the site over HTTPS in production and protecting secrets.
• We do not set cookies for random visitors. Cookies used by the application are limited to authenticated sessions and necessary functionality.
• We store financial data you provide; treat credentials and exported data accordingly.

GDPR and data protection

MOREL agency d.o.o. is based in Ljubljana, Slovenia, and operates within the European Union. The GDPR applies to personal data processing in scope of this service.

Key GDPR-related points:

• Lawful basis: We process personal data to provide the service and under your consent when you create an account and use the product.
• Data subject rights: Users have rights to access, correct, export, and request deletion of personal data associated with their account. Contact MOREL (see contact section) to exercise these rights.
• Data retention: Data is retained to provide the service, unless you request deletion. For hosted deployments, data retention policies may be specified by the operator of the deployment.

Cookies

We do not set cookies for anonymous visitors. The application uses cookies necessary for authenticated sessions and functionality such as CSRF protection. We do not use analytics cookies or other third-party tracking cookies.

What personal data we store

We store minimal personal data necessary to operate the service. For most users we only store the account username and data you explicitly provide about investments and transactions. If you subscribe to paid plans via PayPal we store the PayPal Subscription ID (external subscription identifier) to track billing status. We do not store PayPal account details, payment method data, or other personal information from PayPal — only the Subscription ID and related subscription status within our system.

Prohibited conduct

Users must not use the service to upload illegal content or otherwise engage in unlawful activities. We reserve the right to suspend or terminate accounts that violate these Terms.

Disclaimer of warranties

The service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or free of bugs, defects, or security vulnerabilities. Financial calculations, summaries, and reports generated by the service are provided for informational purposes only and may contain errors. You are solely responsible for verifying the accuracy of any data or output before relying on it for investment, tax, legal, or other decisions.

Limitation of liability

To the maximum extent permitted by law, MOREL and its contributors are not liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from or related to the use of the service, including but not limited to damages caused by software bugs, defects, data inaccuracies, calculation errors, data loss, service interruptions, or security incidents. This limitation applies regardless of the legal theory on which a claim is based and even if we have been advised of the possibility of such damages.

Reporting issues

If you encounter bugs, errors, or other issues while using the service, please report them through our Service Desk. Reporting an issue does not create an obligation on our part to resolve it within any specific timeframe.

Governing law

These Terms are governed by the laws of Slovenia. Any disputes will be subject to the exclusive jurisdiction of the courts in Slovenia, unless otherwise required by applicable law.

Contact

For privacy or Terms questions, contact us at: info@equitymonitoring.com

Changes to these Terms

We may modify these Terms from time to time. We will provide notice of material changes via the application or by email when possible. Continued use of the service after such changes constitutes acceptance.