Firn

Terms of use

Effective July 5, 2026

1. Provider identification and agreement

These terms are an agreement between you and [FULL NAME], [STREET ADDRESS], Cologne, Germany · support@myfirn.com [VAT ID, if assigned] (“Firn”, “we”) — this also serves as the provider identification under § 5 DDG. The terms cover the Firn iOS app and myfirn.com. By using either, you accept them. You must be at least 18 years old. The contract language is English.

2. What Firn is — and is not

Firn computes financial-independence projections, tax estimates, portfolio views, and simulations from data you provide. All outputs are estimates for education and planning. Firn is not a financial adviser, broker, tax adviser, or fiduciary; nothing in the app or on the site is investment, tax, legal, or financial advice, or a recommendation to buy, sell, or hold anything. Projections are hypothetical; markets carry risk; past performance does not predict future results. You alone are responsible for your decisions.

3. Data accuracy

Market prices and fundamentals come from third-party sources and are provided as is — they may be delayed, incomplete, or wrong, and are not suitable as the sole basis for trading. Tax computations follow models we maintain and check against reference sources with care, but tax law changes, has edge cases, and depends on your personal situation; results may differ from an official assessment. Verify anything that matters with a professional before acting.

4. Free and Pro

The core of Firn is free. Pro is an auto-renewing subscription bought from Apple through the App Store — for EU purchases, Apple Distribution International Ltd. is the merchant of record, so the purchase contract, price display, invoicing, any statutory withdrawal right, and refunds are governed by Apple’s App Store terms. The current price and any free-trial terms are always shown in the app before you buy. Cancel anytime in your iPhone’s Settings, at least 24 hours before the period renews. Price or content changes for future periods are announced through the App Store mechanisms with the notice they provide.

5. Your data and backups

Your data stays on your device (see the privacy policy). You are responsible for backups — the app’s optional iCloud sync uses your own iCloud account. Deleting the app deletes the data stored on that device; any copy you synced to your iCloud remains under your Apple ID’s control.

6. Availability and evolution

We provide Firn with reasonable skill and care, but — like any software — without a guarantee of uninterrupted availability; third-party data feeds in particular can pause or change outside our control. We continually develop the app and may modify, add, or retire individual features for good reason (technical progress, legal requirements, changes at upstream providers), provided the change is reasonable for you and does not devalue the core of a paid subscription period.

7. License and acceptable use

We grant you a personal, non-exclusive, non-transferable license to use Firn on Apple devices you own or control, per the App Store terms. You may not copy, sell, sublicense, reverse-engineer, or extract components of the app except where the law expressly permits, nor use it to build a competing dataset or overload the services it relies on. All content, design, and code in Firn and on myfirn.com belong to us or our licensors.

8. Liability

We are liable without limitation for intent and gross negligence, for injury to life, body, or health, under the German Product Liability Act, and under any guarantee we have expressly assumed. For slight negligence, we are liable only for breach of essential contractual obligations (obligations whose fulfilment makes proper performance of the contract possible at all and on whose observance you may regularly rely), and then limited to the damage foreseeable and typical for this kind of contract. Otherwise, liability for slight negligence is excluded. Within these limits, we are in particular not liable for losses arising from financial decisions you make based on the app’s estimates — the outputs are educational projections, not advice (section 2). These limitations also apply in favour of our employees and agents. For loss of data, our liability under the above rules is additionally limited to the typical restoration effort that would have been incurred had you kept regular backups (section 5). Nothing in this section limits rights that mandatory consumer law grants you.

9. Termination and changes to these terms

You can stop using Firn anytime by deleting the app; paid periods already started are governed by Apple’s terms. We may suspend or end access in case of serious abuse of these terms. We may amend these terms where there is a valid reason — changes in law or case law, new or altered features, or changes at upstream providers — and only to the extent the amendment is reasonable and does not shift the balance of the contract to your disadvantage. We will announce amendments in the app or on the site at least 30 days before they take effect. Amendments that materially affect your rights take effect only if you agree or continue a newly starting subscription period after the notice; for everything else you may object, in which case you can simply stop using the free service or let the current paid period run out.

10. Apple app-store terms

These terms are between you and us — not Apple. Apple has no obligation to provide maintenance or support for Firn and is not responsible for addressing any claims relating to the app (including product liability, regulatory compliance, and IP claims), for the app itself, or for its content. In the event of any failure of the app to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price to you; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you upon your acceptance. You represent that you are not located in an embargoed country and are not on any restricted-parties list, and you will comply with applicable third-party terms when using the app.

11. Governing law, disputes, final provisions

German law applies, excluding its conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods; if you are a consumer, the mandatory protections of your country of habitual residence remain unaffected. We are neither willing nor obliged to participate in dispute-resolution proceedings before a consumer arbitration board (§ 36 VSBG). Should individual provisions of these terms be invalid, the remainder stays in force; statutory law replaces the invalid provision. Questions first: support@myfirn.com.