Terms of Service

What Fiscalance is

Fiscalance lets you enter figures about your business (revenue, expenses, salary, dividends and similar) and shows a ranked list of legal optimizations, together with an estimate of the euros involved for your situation.

Fiscalance is a trading name of Kube IT Consulting FZCO, a free zone company registered in the United Arab Emirates, registered office Dubai Silicon Oasis, DDP, Building A1, Dubai, United Arab Emirates. Kube IT Consulting FZCO is the company you contract with when you buy a subscription or a report, and can be reached at [email protected].

Not tax advice

Fiscalance produces estimates and general scenarios based on the figures you provide and on Belgian tax rules as we understand them at the time. It is not personal tax, legal or financial advice, and it does not replace your accountant or a qualified advisor. Rules, rates and thresholds change; always confirm your specific situation with a qualified professional before acting on anything shown in the app.

We make reasonable efforts to keep the underlying rules current, but we do not guarantee that every figure is accurate, complete or up to date for your circumstances, and we are not liable for decisions made solely on the basis of the app's output.

Accounts

You are responsible for keeping your account credentials confidential and for all activity under your account. Provide accurate information and let us know if you suspect unauthorized access.

Subscription and billing

Fiscalance offers a free tier with limited features, a paid subscription (monthly or annual) and a one-off report purchase. The plans available to you and their current prices are shown on our pricing page and again at checkout before you pay.

Subscriptions are billed monthly in advance via Stripe and renew automatically until cancelled. You can cancel at any time from the billing portal (“Manage billing” on your Account page); cancellation takes effect at the end of the current billing period, and you keep access until then. We do not offer partial refunds for unused time within a billing period unless required by law.

Prices may change; we will give reasonable notice before any change takes effect for existing subscribers.

Right of withdrawal

If you buy as a consumer, EU law gives you 14 days to withdraw from a purchase made at a distance, without giving a reason.

Subscriptions: you may withdraw within 14 days of starting a paid plan. Because the service runs from the moment you subscribe, we refund the part of the period you have not used rather than the whole payment, and access ends when the refund is issued.

One-off report: this is digital content delivered to you immediately. At checkout you ask for it straight away and confirm that doing so ends your right of withdrawal, so the purchase is not refundable once the report has been delivered. You are giving up that specific right only — nothing here affects your legal guarantee if the product is faulty, or your right to a refund if we fail to deliver.

To withdraw, email [email protected] from the address on your account. You do not need to explain why.

Acceptable use

You agree not to misuse the service: no attempts to bypass paywalls or rate limits, no scraping or automated abuse of the API, and no using the service for unlawful purposes.

Intellectual property

The Fiscalance name, software, design and content (including the news articles) belong to us or our licensors. You keep ownership of the business figures you enter; we use them only to provide the service to you, as described in our Privacy Policy.

Limitation of liability

To the maximum extent permitted by law, Fiscalance and its operators are not liable for indirect, incidental or consequential damages, or for lost profits or tax consequences arising from decisions based on the app's estimates. Our total liability for any claim relating to the service is limited to the amount you paid us in the twelve months before the claim arose.

Nothing in these terms limits liability that cannot be limited under Belgian law, such as liability for fraud or gross negligence.

Termination

You may stop using the service and delete your account at any time from the Account page. We may suspend or terminate accounts that violate these terms or that we reasonably believe pose a security risk.

Governing law

These terms are governed by Belgian law. Any dispute that cannot be resolved amicably will be submitted to the courts of Belgium having jurisdiction.

Changes to these terms

We may update these terms as the service evolves. Continued use of the service after a change constitutes acceptance of the updated terms. The “last updated” date at the top of this page reflects the latest revision.

Contact

Questions about these terms: [email protected].