Terms of Service

Last updated: 2026-09-09

These Terms of Service govern your use of the application and services provided at hentschel.ai (the “Service”).

1. Provider and scope

The Service is operated by Hentschel Consulting GmbH, Sandmatte 2a, 5712 Beinwil am See, Switzerland, represented by Rainer Hentschel (the “Provider”). Contact: support@hentschel.ai. These Terms apply to all contracts between the Provider and the user regarding use of the Service in the version valid at the time of conclusion.

2. Description of the Service

The Service is a software-based, AI-assisted information and analysis tool for private investors. It lets you record a personal investment profile and one or more portfolios and generates automated analyses (e.g. technical and fundamental metrics, market and news evaluations, illustrative allocation suggestions). Content is generated using a large language model that works with rule-based financial tools and live market data. It therefore rests on three layers, each of which can be wrong independently of the others: third-party market data and news; the metrics, scores, rankings, simulations and backtests computed by the Provider itself; and the text generated by the language model. Output may be incomplete, outdated or incorrect; no warranty is given as to its accuracy.

By their nature, AI and large language model systems may misinterpret values, misstate metrics, price references or relationships, and may fabricate information, figures, sources or news that do not exist (so-called “hallucinations”) — even when the output appears coherent and convincing. You must therefore independently verify all output of the Service against reliable primary sources before making any decision and must not rely on the Service alone.

3. No investment, tax or legal advice

Important: The Service provides general information and automatically generated analyses for educational and informational purposes only. It does not constitute investment advice, investment brokerage, portfolio management, or tax or legal advice within the meaning of the applicable laws (in particular not within the meaning of the Swiss Financial Services Act [FinSA], the Financial Institutions Act [FinIA] or the Collective Investment Schemes Act [CISA]). Assessments, metrics, rankings or sample plans are not personal recommendations and may not reflect your individual circumstances. You make investment decisions at your own responsibility. Trading securities and other financial instruments involves substantial risk up to the total loss of the capital invested; past performance is not a reliable indicator of future results. Please consult an independent, qualified advisor where appropriate.

4. Registration and account

Use requires registration with a valid email address and a password; in addition to or instead of the password, you may register one or more passkeys. You must provide accurate information, keep your credentials — and the devices holding your passkeys — protected against unauthorised access, be at least 18 years old and have full legal capacity. You are responsible for all activity under your account and must notify the Provider of any unauthorised access without undue delay.

5. User obligations

• not to use the Service abusively, unlawfully, or to circumvent technical protections or usage limits;
• not to submit content that infringes third-party rights or law;
• not to use automated methods (e.g. scraping, bots) without consent;
• not to extract, permanently store, pass on or redistribute the third-party market data provided through the Service beyond contractual personal use;
• not to impair the security, integrity or availability of the Service.

6. Plans, prices and payment

The Service is offered in a free tier and paid subscription tiers (“Standard”, “Pro”). The applicable scope and prices follow from the plan overview in the Service. Unless stated otherwise, prices include statutory VAT. Payments are processed by Stripe. Any free trial ends automatically and converts to a paid subscription unless cancelled beforehand.

The Provider is entitled to change, expand, restrict or discontinue the scope of features of the tiers – in particular the free tier – and the associated usage limits (such as token allowances, the number of portfolios or securities, or analysis frequencies) at any time. For paid tiers, material changes to the scope of features that are detrimental to the user will be announced in advance with reasonable notice; in such a case the user is entitled to extraordinary termination effective as of the date the change takes effect. The scope of features promised for an ongoing, prepaid billing period generally remains unaffected for that period; alternatively, the Provider may let a change take effect within the ongoing period and, in that case, refund the user the pro-rata portion of the prepayment attributable to the unused remaining term.

7. Term and cancellation

Subscriptions renew automatically for the chosen billing period (monthly or yearly) unless cancelled before the end of the current period. You may cancel at any time effective at the end of the current billing period via your account/billing settings. The right to extraordinary termination for good cause remains unaffected.

The Provider may likewise terminate a paid subscription by ordinary notice with a period of 30 days to the end of the current billing period. In addition, the Provider may terminate the contract at any time without giving reasons by ordinary notice with a reasonable notice period; insofar as a service is no longer provided for a billing period already paid in advance, the Provider will refund the user the pro-rata portion of the prepayment attributable to the unused remaining term. The Provider’s right to extraordinary termination for good cause – in particular in the event of the user’s breach of these Terms – remains unaffected.

The Provider may suspend, restrict or terminate free accounts at any time and without notice. Upon a termination or the end of the contract taking effect, access to the Service may be suspended and the content and data stored in the account may be deleted in accordance with the Privacy Policy and any statutory retention obligations.

Deleting your account in the settings also constitutes cancellation of any running paid subscription: access and the subscription end immediately, and no refund is made for the billing period already paid and not yet elapsed. If you only want to stop the renewal but keep using the Service until the end of the period, cancel via the billing settings instead.

8. No statutory right of withdrawal

Under Swiss law there is generally no general statutory right of withdrawal or return for online contracts for digital services. The cancellation rights set out in these Terms (Section 7) apply. Any right of withdrawal under mandatory consumer law of the user’s country of residence remains unaffected.

9. Availability and security

The Provider strives for high availability but does not owe uninterrupted availability. Maintenance, third-party outages (e.g. hosting, data or payment providers), third-party attacks on the underlying infrastructure (e.g. denial-of-service attacks) or force majeure may cause temporary limitations.

The Provider applies appropriate technical and organisational measures in line with the state of the art to protect the Service and the data stored in it against unauthorised access, loss and misuse. You acknowledge, however, that no IT system connected to the internet can offer absolute protection: third-party attacks, previously unknown vulnerabilities in the software used or in upstream providers’ services, and novel attack methods cannot be ruled out entirely, however great the care taken. The Provider therefore owes diligent efforts to maintain security but can neither achieve nor promise complete or permanent security; no guarantee or warranty is given that the Service cannot be compromised.

You contribute to security by protecting your credentials and passkey devices in accordance with Section 4 and by reporting any unauthorised access that comes to your attention without undue delay. The Provider will notify you of security incidents where legally required to do so. The Provider’s liability, including in the event of a security incident, is governed by Section 10; liability for intent and gross negligence and mandatory statutory claims, in particular under applicable data protection law, remain unaffected.

10. Liability

The Provider is liable without limitation for intent and gross negligence and for injury to life, body or health. For ordinary negligence, the Provider is liable only for breach of a material contractual obligation and limited to the foreseeable damage typical for the contract. Beyond that, liability is excluded; in particular the Provider is not liable for the user’s investment decisions or resulting losses, nor for the accuracy, completeness or timeliness of AI-generated content, third-party market data, or the metrics, scores, rankings, simulations and backtests computed within the Service. Liability under mandatory product liability law remains unaffected.

11. Rights of use and content

All rights in the Service, the software and its content remain with the Provider or its licensors. You receive a simple, non-transferable right of use. You retain the rights to content you submit and grant the Provider the rights of use required to operate the Service.

12. Sharing content (share links)

The Service lets you share individual analysis results via a publicly accessible link. If you enable this feature, a page accessible without login is created under a random, unguessable address that contains only privacy-preserving metrics (e.g. percentage performance, scores, benchmark and security names, and the as-of date) and no position sizes, amounts, portfolio values, profile data or rationale text. These pages are excluded from search engine indexing.

You are responsible for sharing only your own content and for not infringing third-party rights or applicable law. You can revoke a shared link at any time via the Service; after revocation the page is no longer accessible. Content already retrieved or cached by recipients or third parties (e.g. social networks, messengers or their preview functions) cannot be retracted by the Provider. The Provider may block shared content in the event of a breach of these Terms or applicable law.

13. Third-party content and data

The Service incorporates third-party market data, metrics and news. This data is protected by copyright, database and/or related rights and remains the property of the respective data providers or their licensors. You receive only a simple, non-transferable right to use the data within the Service for personal purposes. In particular, you may not extract, permanently store, reproduce, pass on, resell, make publicly available, or use the data – in whole or in substantial part – to build your own or third-party data sets.

The Provider gives no warranty as to the accuracy, completeness or timeliness of this data. The Provider is not liable for misjudgements, investment decisions or resulting damages that you incur on the basis of this data, for example through trades executed. The respective data providers are not parties to this contract and assume no liability. Third-party terms may additionally apply.

14. Data protection

See our Privacy Policy for information on the processing of personal data.

15. Changes to these Terms

The Provider may amend these Terms with effect for the future where required to adapt to changed legal or technical conditions. Users will be informed of material changes in good time; absent timely objection, the amended terms are deemed accepted, as separately noted in the notice.

16. Final provisions

These Terms are governed exclusively by Swiss law, excluding the UN Convention on Contracts for the International Sale of Goods (CISG) and the conflict-of-law rules of private international law. Mandatory consumer protection of the user’s country of habitual residence remains unaffected. The exclusive place of jurisdiction, to the extent legally permissible, is Beinwil am See (Canton of Aargau), Switzerland. Should any provision be invalid, the remainder stays in force.