Terms of License & Purchase Agreement

1. B2B Commercial Status Warranty & Merchant of Record

B2B Commercial Warranty: By purchasing SoloTreasury (Freelancer Edition or Cyprus Company Edition), you warrant and represent that you are acquiring the software primarily in the course of your trade, business, freelance practice, craft, or commercial profession (B2B). SoloTreasury is an operational treasury, cash reserve, and pre-accounting productivity system designed for independent economic operators.

Consumer Rights Carve-Out: To the extent you are deemed an individual consumer under applicable European Union consumer protection law (including Directive 2011/83/EU and Directive 93/13/EEC), nothing in these Terms deprives you of mandatory statutory rights or protections under your local consumer laws. Furthermore, our 30-day money-back guarantee (Section 4) voluntarily exceeds the statutory 14-day EU right of withdrawal.

Merchant of Record: Your financial transaction and checkout agreement are executed directly with our Merchant of Record, Lemon Squeezy, LLC, subject to their Terms of Sale. Lemon Squeezy acts as the legal reseller and Merchant of Record for sales tax and EU VAT compliance (EU One-Stop Shop / OSS scheme), issuing compliant VAT invoices directly to the purchaser. Currency: Prices are displayed in euros (EUR). Our Merchant of Record processes the payment in US dollars (USD) at the exchange rate at the time of purchase, so the amount on your card statement may differ slightly from the displayed EUR price, and your bank may apply its own currency conversion fees.

Upon a successful transaction verified by our Merchant of Record, Aspecterra Limited grants you this End User License Agreement (EULA) to access, customize, and operate SoloTreasury under the terms specified below.

2. Perpetual Commercial License Grant (EULA)

Upon payment of the applicable one-time license fee, Aspecterra Limited grants you a perpetual, non-exclusive, worldwide commercial license to use, customize, and operate the spreadsheet workbooks under the terms specified below.

Permitted Usage:

• Using the spreadsheet to track your own or your company's invoicing, revenue, expenses, tax reserves, and planned owner remuneration across multiple currencies.
• Customizing sheets, adding custom tabs, or adapting categories to your specific business needs.
• Exporting reconciled files and reports to share directly with your certified tax accountant, bookkeeper, or business partner.

Restrictions:

• You may not resell, sub-license, rent, distribute, or publicly share the raw spreadsheet templates or copy links.
• You may not white-label or re-bundle SoloTreasury as a competing commercial product.
• You may not remove proprietary notices or trademarks (SoloTreasury, Net Spendable).

Updates & Support:

• Freelancer Edition: While the Freelancer product line is supported, its updates are included at no extra cost, including yearly tax-rule updates for the supported profiles in Section 5.
• Cyprus Company Edition: While the Cyprus Company Edition is supported, its updates are included at no extra cost, including annual Cyprus fiscal and social insurance rule updates.
• Updates are sent by email as a link to a new copy. Your existing copy is never changed automatically; you move your own data to the new copy by following the setup guide. If updates or support end, your perpetual license to use the files you have received remains in effect.
• Email support at support@solotreasury.com covers setup, authorization, explaining how the workbook works, errors in the workbook's formulas or menu commands, and moving to a new version. Support is given for the current release. We reply to support emails within up to 3 working days.
• Support does not cover tax or accounting advice, changes you make to the workbook, situations outside the supported profiles, or correcting data you entered.

3. Third-Party Infrastructure & API Dependency Exemption

SoloTreasury relies upon third-party platforms and data feeds, including Google Workspace (Google Sheets, Google Drive, Google Apps Script) and the official European Central Bank (ECB) XML foreign exchange reference feeds.

Aspecterra Limited does not own, operate, or control these third-party platforms. Aspecterra Limited is not liable if Google modifies its API policies, restricts Apps Script permissions or introduces fees, or if the European Central Bank alters, restricts or discontinues its public XML currency feed. Such changes do not extend the 30-day refund window in Section 4; after that window, they do not create a refund entitlement.

4. 30-Day Refund Policy

You may request a full refund of the license fee for any reason within 30 calendar days of purchase. Requests received after 30 calendar days are not eligible, including requests based on third-party changes described in Section 3.

To request a refund, simply email support@solotreasury.com with your order number. Refunds are issued through our Merchant of Record (Lemon Squeezy) to the original payment method; the time until funds arrive depends on the payment provider.

5. Product Scope & Tax Disclaimer

Supported profiles

Freelancer Edition: Automatic 2026 reserves cover limited personal profiles in five countries: German single Freiberufler, French micro-BNC eligible for and elected into versement libératoire, Dutch other-work income below AOW age (resultaat uit overige werkzaamheden; not income-tax entrepreneurs, which includes most ZZP freelancers), Madrid individual, and Cyprus self-employed individual. Other corporate regimes are not supported in this edition. Check that your situation matches one of these profiles before purchase.

Cyprus Company Edition: Built for a Cyprus tax-resident limited company in which you are a director and own all or part of the shares. You enter your shareholding, and dividends and their taxes are calculated on your share only. You may take remuneration through payroll, dividends, or both. Other directors and employees are entered as Staff payroll. Groups and holding structures, IP box, notional interest deduction, and statutory payroll filings are not supported, and the taxes of the other shareholders are not calculated. Director loans are not planned; the workbook only shows an alert about them. It does not file returns with the Cyprus Tax Department; statutory corporate returns, TD4 declarations, and payroll filings must be made by you or your licensed accountant. The workbook is available in English and Greek. Check that your situation matches this profile before purchase.

Not tax-filing software or advice

SoloTreasury is a pre-accounting and cash planning tool. It estimates reserves, liquidity, and owner remuneration, and produces transaction reports; it does not file returns with any tax authority, such as the German Finanzamt, the Spanish Agencia Tributaria, the French DGFiP, HMRC, or the Cyprus Tax Department. Formal filings, including German bookkeeping under GoBD rules, Spanish Modelo 130 and 303 returns, and Cyprus company tax returns, must be made by you or your adviser through official channels or certified software.

Calculations are estimates for planning. Tax outcomes depend on residency, treaties and business structure. Buying or using SoloTreasury does not create an accountant-client or attorney-client relationship. Review your final tax position with a licensed adviser in your jurisdiction.

Legal and Contract Templates

The optional 2026 Tax Calendar & Contract Kit (including contract templates, DPA, and tax calendar reference) is provided for educational and operational convenience only. It does not constitute formal legal counsel or create an attorney-client relationship. You must have any commercial contract adapted and reviewed by licensed legal counsel in your governing jurisdiction prior to execution.

6. Limitation of Liability & Monetary Liability Cap

SoloTreasury is provided "as is" without warranty of any kind, express or implied. Under § 5 StBerG (German Tax Advisory Act) and European equivalents, SoloTreasury is a personal liquidity and pre-accounting tool, not certified tax or legal counsel. Calculations are mathematical estimates for cash planning and do not substitute for certified statutory tax declarations.

Statutory Liability Carve-Out: Nothing in this Agreement shall exclude or limit the liability of Aspecterra Limited, its legal representatives, or vicarious agents for:

• Intentional misconduct (Vorsatz) or gross negligence (grobe Fahrlässigkeit);
• Injury to life, limb, or physical health;
• Claims under mandatory statutory product liability acts (such as the German Produkthaftungsgesetz or EU equivalents);
• Fraudulent concealment of defects or express guarantees of quality.

In cases of slight or ordinary negligence (einfache Fahrlässigkeit), Aspecterra Limited shall only be liable for the breach of an essential contractual duty (Kardinalpflicht - a duty whose fulfillment is essential to the proper performance of the contract and on which you routinely rely). In such cases, liability is limited strictly to foreseeable, contract-typical damages.

7. Purchases Through Marketplaces & Other Platforms

SoloTreasury is also sold through third-party platforms such as Etsy and Eloquens, and delivered as part of set-up services ordered through Upwork or Fiverr. This section applies when you did not buy through solotreasury.com (where Lemon Squeezy is the Merchant of Record). All other sections apply in the same way.

• Licence: Your licence under Section 2 is granted when the platform confirms your purchase. The platform is the seller of record for that purchase; Aspecterra Limited remains the licensor. The same edition rules apply, including one Cyprus limited company per Cyprus Company Edition licence.
• Refunds: The 30-day refund policy in Section 4 applies. Request the refund through the platform you bought on (for example Etsy Messages) within 30 calendar days of purchase; it is issued by that platform to your original payment method. Lemon Squeezy cannot refund a purchase made elsewhere.
• Your copy is never revoked: The workbook is copied into your own Google Drive. We have no technical means to remove, lock or alter that copy and will not attempt to, including after a refund. If you receive a refund, your licence ends and you agree to delete your copies.
• Updates: Updates are reached through the copy link in your welcome PDF; copying again always gives the current version. "Lifetime" or "free updates" on a platform listing means updates for the product line you bought (the Freelancer Edition 1.x line, or the Cyprus Company Edition) while Aspecterra Limited supports it, as described in Section 2. To receive update notices by email, register your copy on our updates page; registration is optional.
• Copy links: The copy link in your welcome PDF is personal to your purchase and may not be shared or published (Section 2, Restrictions). If a link is leaked, we may replace it with a new one; registered buyers receive the new link by email, and other buyers can request it from support@solotreasury.com with their platform order number.
• Set-up services (Upwork, Fiverr): The service covers workbook configuration and instruction on its use, supplied by Aspecterra Limited to buyers who already hold a licence. You or your tax adviser provide the tax rates, classifications and assumptions to enter. We do not determine your tax treatment, assess deductibility, prepare tax returns or recommend tax elections (Section 5). The platform's rules on communication and payment apply to that order.

8. Governing Law, Jurisdiction & Disputes

This Agreement and any dispute or claim arising out of or in connection with it shall be governed by and construed in accordance with the laws of the Republic of Cyprus. For business customers and commercial entities, the competent courts of Nicosia, Cyprus shall have exclusive jurisdiction.

Consumer Venue Protection: If you are an individual consumer habitually resident in the European Union, this choice of law does not deprive you of the protection afforded by mandatory provisions of the law of your country of residence (Regulation (EC) No 593/2008 - Rome I), and you may bring legal proceedings either before the competent courts of Nicosia, Cyprus or in the competent courts of your EU member state of residence (Regulation (EU) No 1215/2012 - Brussels I bis).

For complete company identification, physical registered address, and statutory registration numbers, please consult our Impressum / Legal Notice.