Effective date: 2026-07-29
Version: 1.0
Applies to: the coinwise Android application (package net.ntrapp.coinwise) and the website https://coinwise.ntrapp.net
1. Parties and scope
These Terms of Use (“Terms”) govern your use of the coinwise application (“the Application”) and the associated website. They form an agreement between you and:
Niklas Trapp, Baden-Württemberg, Germany
Postal address: see Impressum
Email: niklas031712@gmail.com
referred to below as “the Developer”.
The Application is provided free of charge. There is no purchase price, no subscription, no in-app purchase and no advertising. No payment of any kind is required or accepted, and no personal data is collected as consideration for use.
Your use of Google Play, of a Google account, or of GitHub is governed additionally by the terms of those providers, to which the Developer is not a party.
2. What coinwise is — and what it is not
coinwise is an offline-first personal expense tracker. It records amounts you enter manually and displays arithmetic derived from them.
The Application is expressly not:
- financial, tax, accounting, investment or legal advice, and nothing it displays should be relied upon as such;
- a payment service, e-money service, account information service or payment initiation service within the meaning of the Zahlungsdiensteaufsichtsgesetz (ZAG) or Directive (EU) 2015/2366 (PSD2). It does not connect to any bank, does not access any account, and does not initiate, execute or facilitate any payment;
- a bookkeeping system suitable for statutory accounting, tax filing, or any purpose subject to the Grundsätze ordnungsmäßiger Buchführung (GoB) or § 147 AO;
- a system of record. It is a convenience tool. Records required for legal, tax or accounting purposes must be maintained independently.
Currency conversion uses published reference rates retrieved from a third-party service (see §8). These rates are indicative only, are not transaction rates, and will differ from the rates applied by your bank or card issuer.
3. Eligibility
The Application is intended for persons aged 16 or over, or the higher age of digital consent applicable in your country of residence. It is not directed at children and is not marketed to them.
If you lack full legal capacity, you may use the Application only with the consent of your parent or legal guardian.
4. Acceptance of these Terms
You accept these Terms by confirming them on the onboarding screen presented when the Application is first opened. If you do not accept them, do not use the Application; you may uninstall it at any time.
The current version of these Terms is available at all times within the Application under Settings → About, and at https://coinwise.ntrapp.net/terms, in a form that can be saved and reproduced.
5. Licence
The Developer grants you a simple (non-exclusive), non-transferable, revocable right to install and use the Application on devices you control, for your own private or internal business purposes, for the duration of these Terms.
Except where mandatory statutory rights permit otherwise — in particular §§ 69d and 69e UrhG concerning error correction, backup copies and decompilation for interoperability — you may not:
- redistribute, sell, rent, lease or sublicense the Application;
- modify, reverse engineer, decompile or disassemble it;
- remove or alter any notices of authorship, trade marks or licence information;
- distribute modified builds under the coinwise name or mark.
The name “coinwise”, the coin mark and the visual identity of the Application remain the property of the Developer and are not licensed to you.
The Application incorporates third-party open-source components under their respective licences. A list is available on request.
6. Your responsibilities
You are responsible for:
- the accuracy and completeness of the data you enter;
- any decision you take on the basis of what the Application displays;
- maintaining your own backups (see §7);
- the security of your device, and of any export file you create;
- ensuring that your use complies with the law applicable to you.
You must not use the Application to store data you are not entitled to hold, or in a manner that infringes the rights of third parties.
7. Data, backups and loss of data
Your data is stored locally on your device and nowhere else, unless you enable Google Drive backup. Details are set out in the Privacy Policy.
You are strongly advised to maintain independent backups using Settings → Data → Export.
Data may be lost through, among other causes: uninstalling the Application, device loss, failure or reset, operating-system or storage faults, failed migrations, or your own use of the erase function. The Developer has no copy of your data, no access to it, and no ability to recover it under any circumstances.
The optional Google Drive backup is a convenience feature and is not warranted to run at any particular time, to succeed, or to produce a restorable archive. It depends on network availability, on your Google account remaining valid, and on services operated by Google. It is not a substitute for your own exports.
8. Third-party services
The Application relies on services the Developer neither operates nor controls:
| Service | Purpose | Governed by |
|---|---|---|
| Frankfurter API | Daily exchange-rate reference data | The operator’s own terms |
| Google Sign-In and Google Drive | Optional backup, if you enable it | Google’s terms and privacy policy |
| Google Play / GitHub | Distribution and updates | Their respective terms |
These services may change, impose limits, or cease to be available, with or without notice. Where that happens, the corresponding functionality of the Application may degrade or stop working. The Developer accepts no responsibility for the acts, omissions, availability, accuracy or content of third-party services.
9. Availability, updates and support
The Application is provided as-available. The Developer gives no undertaking that it will remain available, that it will be maintained, that defects will be corrected, or that it will remain compatible with future versions of Android or with third-party services.
The Developer may modify, suspend or discontinue the Application, in whole or in part, at any time. Where the Application is discontinued, existing installations will continue to function to the extent technically possible, and your data remains on your device and exportable.
There is no obligation to provide support. Enquiries sent to niklas031712@gmail.com are answered on a voluntary, best-effort basis.
10. Builds obtained outside Google Play
The Developer publishes an APK through GitHub Releases. That file is provided for convenience only.
Builds obtained from any other source, and builds you have modified or compiled yourself, are outside the scope of these Terms and outside any liability of the Developer whatsoever. You are responsible for verifying the integrity of any file you install from outside Google Play.
11. Defects
The Application is provided free of charge. Under § 523 and § 524 BGB, a donor is liable for defects of title or quality only where the defect has been fraudulently concealed.
Your statutory rights are otherwise unaffected. Nothing in this section excludes or limits any right you have under mandatory consumer protection law in your country of habitual residence.
12. Liability
12.1 Because the Application is supplied free of charge, the Developer is liable only for intent and gross negligence, in accordance with § 521 BGB.
12.2 The limitation in §12.1 does not apply to:
- damage arising from injury to life, body or health;
- liability for intent or fraudulent concealment;
- liability under the Produkthaftungsgesetz;
- any liability that cannot be excluded or limited by mandatory law.
12.3 Where the Developer is liable for the breach of an essential contractual obligation — an obligation whose fulfilment makes proper performance possible at all and on whose observance you may routinely rely — liability for simple negligence is limited to the damage typically foreseeable at the time of contract formation.
12.4 Subject to §12.2, the Developer is not liable for loss of data, loss of profit, or consequential loss, and in particular is not liable for the consequences of any financial decision taken on the basis of information displayed by the Application.
12.5 The above provisions apply equally to the personal liability of the Developer’s agents and assistants.
13. Changes to these Terms
The Developer may amend these Terms where necessary to reflect changes in the Application, in the services it relies on, or in applicable law.
Amendments do not take effect through your silence. Where these Terms are materially amended, you will be presented with the new version within the Application and asked to accept it. If you do not accept it, you may continue to use the version of the Application then installed, or uninstall it; in either case your data remains yours and remains exportable.
Each version carries a version number and effective date. Previous versions are available on request.
14. Term and termination
These Terms apply for as long as you use the Application. You may terminate at any time and without notice by uninstalling it. No notice, formality or fee is required.
The Developer may terminate your licence where you materially breach §5 or §6. Sections 2, 11, 12 and 16 survive termination.
15. No right of withdrawal
Because the Application is supplied free of charge and no contract for payment is concluded, the statutory right of withdrawal for distance contracts (§§ 312g, 355 BGB) does not apply. You may stop using the Application at any time by uninstalling it.
16. Governing law, jurisdiction and language
16.1 These Terms are governed by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods.
16.2 If you are a consumer with habitual residence in another state, this choice of law does not deprive you of the protection of mandatory provisions of the law of that state (Art. 6(2) Rome I Regulation).
16.3 Nothing in these Terms restricts a consumer’s right to bring proceedings in, or to be sued only in, the courts of their own place of residence, in accordance with Articles 17 to 19 of Regulation (EU) No 1215/2012.
16.4 Where you are a merchant, a legal person under public law or a special fund under public law, the place of jurisdiction is the Developer’s registered seat.
16.5 These Terms are published in English. Where a translation is provided, the English version governs in the event of discrepancy.
17. Consumer dispute resolution
The Developer is neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board (Verbraucherschlichtungsstelle).
18. Severability
Should any provision of these Terms be or become invalid, the validity of the remaining provisions is unaffected. The invalid provision shall be replaced by the applicable statutory rule.
19. Contact
Niklas Trapp
Email: niklas031712@gmail.com
Impressum: https://coinwise.ntrapp.net/impressum
Privacy Policy: https://coinwise.ntrapp.net/privacy