Conditions of sale of Vertigo Pro

1. Who sells what

Vertigo Pro is sold by LOUD S.R.L., Via Rossini Gioacchino 4, 20122 Milano (MI), VAT number 11482750962, REA MI-2605926, email assistenza@vertigofinance.eu.

Vertigo Pro is a digital service sold as a yearly subscription. It unlocks on your Vertigo Finance account the features described on the Pro page at the time you subscribe. It is tied to that account and cannot be transferred. The free plan of Vertigo Finance stays free and does not require a subscription.

2. How you subscribe

You subscribe from the Pro page, after signing in to your account. Before going on, you tick the box with which you ask for Pro to start right away and acknowledge the yearly renewal and the right of withdrawal. Then you pay on the payment page of Stripe, our payment provider, and confirm with its payment button.

The contract is concluded when Stripe confirms the payment. Pro is activated on your account at once and we send you a confirmation email with the date and amount of the payment, the date of the first renewal, the last day on which you can withdraw and the version of these conditions you accepted.

3. Price and payment

Pro costs the yearly price shown on the Pro page at the time you subscribe, VAT included, paid in advance for each year. Stripe keeps the payment method you choose and also uses it for the renewals. Vertigo does not see or keep your card details. Stripe sends you a receipt for every payment.

4. Term, renewal and cancellation

The subscription lasts one year from the first payment. When it expires it renews automatically for another year, at the same price and charged to the same payment method, and so on every year until you cancel it. Thirty days before each renewal we send you an email with the renewal date, the amount and how to cancel.

You can cancel whenever you want, up to the last day of the paid year: from the “Cancel subscription” link at the bottom of every page of the site or with “Manage subscription” on your account page, after signing in, or by writing to us at the support address. Cancelling stops the renewals. Pro stays active until the end of the year already paid, then your account goes back to the free plan. The current year is not refunded, except in the case of withdrawal under article 6. Until the year is over you can undo the cancellation.

5. If the renewal fails

If the renewal charge fails, Pro stops at the end of the paid year. Stripe tries the charge again for about two weeks and writes to you to update your payment method. If an attempt succeeds, Pro is active again until the next renewal date, which stays the usual one. If none succeeds, the subscription is closed and you can subscribe again whenever you want.

6. Right of withdrawal

If you are a consumer, you have the right to withdraw from the contract within 14 days without giving any reason. The withdrawal period expires 14 days after the day on which the contract was concluded, that is, from the first payment.

To withdraw, you must inform us of your decision by an unequivocal statement. The simplest way is the “Withdraw from contract here” button, on your account page and on the Pro page for all 14 days. You can also write to us at the support address or by post to the address in article 1, using if you wish the model form below, which is not mandatory. We confirm without delay by email that we have received your withdrawal, with its text and the date and time it was sent. To meet the deadline, it is enough for your statement to be sent before the period expires.

If you withdraw, we refund the whole amount you paid, even if you have already used Pro: we keep nothing for the days it was active. The refund is made without delay, and in any case within 14 days of the day on which we receive your statement, to the same payment method and at no cost to you. With the withdrawal, Pro is removed from the account and the subscription is closed: it does not renew and we charge you nothing more.

The right of withdrawal applies to the first payment of a subscription. The yearly renewals do not open a new withdrawal period; to stop renewing, you only need to cancel as described in article 4.

7. Refunds, disputes and the end of Pro

If a payment is refunded in full, or if you dispute it with your bank, Pro is removed from the account and the subscription is closed. If the dispute is settled in our favour, Pro is active again until the end of the year that payment was for.

When Pro stops, for whatever reason, lists, assets, alerts and portfolio stay saved, but the limits of the free plan apply again: you cannot add beyond those limits, only your oldest alerts stay active up to the number the free plan allows, and the portfolio stays locked until Pro is active again.

8. If you delete your account

The subscription is tied to the account: if you delete the account, the subscription closes at once and Pro is lost with the account. Within the 14 days of withdrawal you can withdraw first and get the refund. After those 14 days, the year already paid is not refunded. The account page reminds you of this before you confirm.

9. If we close the service

Should we decide to close Vertigo Finance, we will announce it on the site and by email at least 90 days in advance, and from that moment we will stop the renewals.

10. Changes

Vertigo and Pro may change over time. Should a change take something important away from Pro, we will tell you by email before it happens and you will be able to exercise the rights the law gives you in such cases, including cancelling. Changes to these conditions apply from the renewal that follows the notice, and we write to you before they apply.

11. What the data are

Vertigo calculates how far an asset has fallen from its all-time high from the daily closing prices of third-party providers. They are information, not financial advice or investment recommendations. The data may contain errors, delays or gaps. Drawdown alerts go out once a day, in the evening: they are not in real time and may arrive late.

12. Your rights as a consumer

All the rights the law gives you as a consumer remain unaffected, including the legal guarantee of conformity for digital content and services (articles 135-octies and following of the Italian Consumer Code).

13. Support and complaints

For any question or complaint about the subscription, to cancel or to withdraw, write to us at assistenza@vertigofinance.eu.

14. Applicable law and jurisdiction

These conditions are governed by Italian law. If you are a consumer, disputes go before the court of the place where you live, and if you live in another country of the European Union you keep the mandatory protections of that country's law.

Model withdrawal form

(complete and return this form only if you wish to withdraw from the contract)

• To LOUD S.R.L., Via Rossini Gioacchino 4, 20122 Milano (MI), Italy, assistenza@vertigofinance.eu:
• I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract of sale of the following goods (*)/for the provision of the following service (*),
• Ordered on (*)/received on (*),
• Name of consumer(s),
• Address of consumer(s),
• Signature of consumer(s) (only if this form is notified on paper),
• Date

(*) Delete as appropriate.