General Terms and Conditions - Germany

These General Terms and Conditions (AGB) apply to all contracts between Valtura Advisory OÜ, Ahtri tn 12, Harju Maakond, 15551 Tallinn, Estonia, e-mail: info@smartlandlord.de (hereinafter “Provider”) and the users of the platform (hereinafter “User”) concerning the use of the website smartlandlord.de and the services provided.

Deviating, conflicting or supplementary terms of the User shall only become part of the contract if the Provider expressly agrees to their validity in writing.

The Provider reserves the right to change these General Terms and Conditions (AGB) where there is a legitimate interest. Users will be informed of material changes by e-mail at least 30 days before they take effect and asked for their active consent. If no consent is given, the User may terminate the contract up to the date on which the changes take effect. Without active consent, the previous General Terms and Conditions continue to apply.

Smart Landlord is a digital SaaS platform that supports property investors. The main functions include:

• Property valuation and financial analysis: Automatic calculation of yields, cash flows, repayment schedules and scenario analyses for different financing models
• Location analysis: Comprehensive assessment of property locations based on demographic, economic and infrastructure data with a weighted scoring system
• Energy analysis: Assessment of energy consumption by means of benchmarking and a detailed recommendation for action.
• Document management: Secure cloud-based storage and management of contracts, financing documents, Energieausweise (energy performance certificates) and other property-related documents
• Interactive dashboards: Graphical presentation of investment forecasts, yield trends and portfolio overviews
• Report generation: Automatic generation of professional PDF reports and analyses
• Portfolio management: Management of several properties with comparative analyses and performance tracking

To provide our services we use the following technologies and third-party providers:

A detailed list of all third-party providers and their data protection practices can be found in our privacy policy.

General principle

Smart Landlord uses a token-based usage system (“tokens”) that controls access to analyses, reports and other functions of the platform. Every registered user has a personal account with a monthly token allowance. Tokens serve exclusively for the use of the platform functions and are not a digital currency or means of payment in the legal sense.

Monthly allowance

The Free account, which is free of charge, includes 100,000 tokens per calendar month. Once the allowance has been used up, no further functions that require tokens can be carried out until a new allowance is available or additional tokens are purchased. Unused tokens expire at the end of the month and are not carried over to the following month.

Token consumption

Consumption depends on the type and scope of the services used. Examples:

Analysis or valuation of a new property

Creation of a market or location report

Generation of a PDF report or exposé

Use of AI-supported functions (e.g. forecasts, simulations)

Token top-up and change of package

Users can purchase additional tokens at any time (“one-off purchase”) or switch to a higher usage package with a larger monthly allowance. The change of package takes place immediately after confirmation in the user interface and applies from the current billing month.

Tokens already purchased or used are not refunded in this case and are not transferable to other accounts.

Validity and expiry

Tokens included in the monthly allowance (Free, Starter, Pro, Enterprise) are valid exclusively in the respective billing month and expire at the end of the month.

Separately purchased additional tokens (“token top-up”) do not expire and remain valid until they have been used up completely or until the account is deleted.

Tokens have no monetary value, cannot be paid out in cash and cannot be converted into other services.

Changes to the token system

Smart Landlord reserves the right to adjust token consumption or allowances where this is necessary for technical or economic reasons. Users will be informed of material changes at least 14 days in advance and may terminate the usage relationship for cause if they do not accept them.

Transparency and traceability

The current token balance and all transactions can be viewed in the navigation at any time.

• Minimum age: 18 years (age of majority under the law of the country of residence)
• Valid e-mail address for registration
• For paid functions: Valid means of payment and taking out a corresponding subscription
• Internet connection and compatible web browser

When registering, users undertake to provide truthful, complete and up-to-date information. Changes to account details must be updated without delay.

The following acts are expressly prohibited:

• Infringement of copyrights, trade mark rights or other intellectual property rights of third parties
• Uploading malware, viruses or other harmful code
• Reverse engineering, decompilation or manipulation of the platform
• Automated data extraction (screen scraping, crawling) without express permission
• Passing on login details to third parties
• Use for illegal purposes or to circumvent applicable laws
• Excessive load on the server infrastructure

Users are fully responsible for all data they enter and documents they upload. This includes in particular the lawfulness, accuracy and completeness of the information.

Free accounts: The contract is concluded upon successful registration.

Paid subscriptions: The contract is concluded upon successful payment via our partner Stripe. The booking confirmation is sent by e-mail.

• All prices are stated in euros (€) and are exclusive of the value added tax payable by law in each case, where it is payable.
• Subscription fees are due in advance (monthly or annually depending on the plan chosen)
• Payments are made exclusively via Stripe using supported payment methods
• For international transactions, additional exchange rate or bank charges may be incurred, which are borne by the user
• Price changes are announced at least 30 days in advance and apply from the next renewal

In the event of late payment or failed payments:

• Access to premium functions is restricted automatically
• The user receives reminders by e-mail
• The provider may block the account after 14 days
• The provider reserves the right to charge interest on late payment in accordance with applicable law

• Free accounts: Unlimited term until terminated
• Monthly subscriptions: 1 month with automatic renewal
• Annual subscriptions: 12-month initial term, thereafter renewal for an indefinite period with the option of monthly termination (see 5.2)

Users may terminate at any time:

• Free accounts: Immediate effect by deleting the account
• Paid subscriptions: Via the account settings with effect at the end of the current billing period
• Amounts already paid are refunded only where a statutory right of withdrawal exists
• Annual subscriptions: 12-month initial term. If the contract is not terminated at least one month before expiry, it is renewed for an indefinite period and can thereafter be terminated at any time with a notice period of one month.

The provider may terminate:

• Ordinary termination: With 30 days' notice to the end of the billing period
• Termination for cause: In the event of a breach of these General Terms and Conditions, after a warning notice with a period of 14 days to remedy the breach
• Immediately: In the event of serious breaches (e.g. illegal use, security breaches)

After the end of the contract, user data is handled in accordance with our privacy policy. Users can export their data before termination. Restoration after deletion of the account is not possible.

If you withdraw from this contract, we must reimburse to you all payments we have received from you, including the costs of delivery (with the exception of the additional costs resulting from your choice of a type of delivery other than the least expensive standard delivery offered by us), without undue delay and at the latest within fourteen days from the day on which we received the notification of your withdrawal from this contract.

In the case of service contracts, the right of withdrawal expires when we have provided the service in full and have begun performing the service only after you have given your express consent to this and at the same time confirmed your knowledge that you lose your right of withdrawal once we have fully performed the contract.

The provider is liable only for intent and gross negligence. For slight negligence the provider is liable only in the event of a breach of essential contractual obligations (cardinal obligations), the fulfilment of which makes the proper performance of the contract possible in the first place and on compliance with which the user may normally rely.

Liability for damage is limited - to the extent legally permissible - to:

• In the case of intentional or grossly negligent breaches of duty: Unlimited
• In the case of a breach of essential contractual obligations through slight negligence: Limited to the typical, foreseeable damage
• Maximum amount: Three times the subscription fees paid in the last 12 months, but at least EUR 50 per loss event.

For outages, errors or data protection breaches caused by third-party providers (Stripe, Google, Microsoft Azure, etc.), the provider is liable only to the extent that it is at fault in their selection or supervision.

The provider is not liable for disruptions to performance due to force majeure, natural disasters, wars, terrorist attacks, cyber attacks by third parties, official orders or other unforeseeable events beyond the provider's control.

Personal data is processed in accordance with our privacy policy and the provisions of the EU General Data Protection Regulation – GDPR (DSGVO) – where it is applicable.

• Contact data: Name, e-mail address, telephone number where applicable
• Payment data: Payment information processed via Stripe
• Usage data: IP address, browser information, usage statistics
• Content data: Uploaded documents, property data entered
• Communication data: Support requests, e-mail correspondence

The provider is based in Estonia. All data processing takes place on servers in Germany (Strato AG and Microsoft Azure, region Germany West Central, Frankfurt, Germany/EU) within the European Union. Access to the data is encrypted and complies with GDPR (DSGVO) standards.

Users have the following rights regarding their data:

• Access to stored data
• Rectification of inaccurate data
• Erasure of data
• Restriction of processing
• Data portability
• Objection to processing
• Complaint to supervisory authorities

Transactional e-mails (no opt-out):

• Registration confirmations
• Password reset links
• Payment confirmations and invoices
• Notices relevant to the contract (changes to the General Terms and Conditions, etc.)
• Security alerts

Marketing e-mails (optional, opt-out possible):

• Newsletters and product updates
• Promotional offers and discounts
• Invitations to webinars or events
• Market research surveys

Users can adjust their e-mail preferences at any time in the account settings or withdraw their consent via the unsubscribe link in every marketing e-mail. Transactional e-mails cannot be unsubscribed from, as they are necessary for the performance of the contract.

E-mails are sent via professional e-mail service providers. We use tracking pixels only for transactional e-mails to confirm delivery, not for marketing e-mails without express consent.

We aim for platform availability of at least 99% per year (excluding planned maintenance work). This corresponds to a maximum downtime of around 87 hours per year.

Planned maintenance work is, where possible, announced at least 24 hours in advance and carried out outside peak usage times.

We carry out regular backups but cannot guarantee that data will be fully restored in the event of a loss. Users are advised to back up important data locally.

Contracts with Valtura Advisory OÜ, Ahtri tn 12, Harju Maakond, 15551 Tallinn, Estonia, e-mail: info@smartlandlord.de are governed by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods.

For consumers within the meaning of the EU consumer protection laws, the mandatory provisions of their state of residence apply.

For consumers within the meaning of EU law, the mandatory consumer protection provisions of their state of residence apply where these are more favourable. This includes in particular:

• Rights of withdrawal
• Warranty claims
• Liability rules
• Review of general terms and conditions (AGB-Kontrolle)

• For consumers: The statutory places of jurisdiction apply. Consumers may also bring an action before the courts of their place of residence. The provider may sue consumers only at their place of residence.
• For businesses (Unternehmer): The exclusive place of jurisdiction is Tallinn, Estonia.

Online dispute resolution: You can find the list of consumer dispute resolution bodies in the EU Member States, Norway and Iceland here: EU consumer dispute resolution bodies Our e-mail address: info@smartlandlord.de

Should individual provisions of these General Terms and Conditions be invalid or unenforceable in whole or in part, the validity of the remaining provisions shall remain unaffected. The invalid provision shall be replaced by a legally valid provision that comes closest to the economic purpose of the invalid provision.

The provider is entitled to assign its rights and obligations under this contract to third parties. Users will be informed of such an assignment at least 30 days in advance and have the right to extraordinary termination.

Amendments or additions to this contract must be made in writing (e-mail is sufficient). This also applies to any waiver of the written form requirement.

These General Terms and Conditions are valid from 5 May 2026.

Last updated: May 2026