Terms of Service

Acceptance of terms

By downloading, installing, or using BullionView (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you and Roman Tabi, a sole trader registered in the Czech Republic ("we", "us", or "our"), operating BullionView.

Description of the service

BullionView is a personal portfolio tracking application for precious metal collectors. The App allows you to:

• Record and manage your precious metal holdings (coins and bars, including historical/numismatic coins)
• Create your own custom coin or bar entries for items not in the curated catalogue, and share them via QR code
• Track the current market value of your collection using live spot prices, with optional premium-over-spot and dealer sell-spread math (Pro)
• Monitor portfolio performance, metrics, and metal ratios over time
• Set price and ratio alerts with push notifications (Pro)
• Use built-in calculators for buying power, dealer premium, gold-silver ratio, and portfolio what-if scenarios
• Store photographs of your holdings
• Organise holdings by vault location
• Generate insurance and estate reports (Pro)
• Import and export your collection via CSV (Pro)

BullionView is a personal tracking tool only. It is not a financial services product, investment platform, or dealing service.

Using BullionView without an account

You may use BullionView without creating an account by selecting "Continue without account" on the welcome screen. In anonymous mode, all data you enter is stored on your device only. The following features require a signed-in Google account: cloud backup and restore, push price and ratio alerts, photo cloud sync, multi-device sync, and importing your anonymous data into an account. You may sign in at any time from Settings → Account.

Service tiers

BullionView is available in the following tiers:

We reserve the right to modify tier features and pricing with reasonable notice. Current free tier users will not have existing functionality removed without notice.

Subscription billing

BullionView Pro is a recurring monthly subscription billed through Google Play (or the Apple App Store). By subscribing, you agree to the following:

• Your first 30 days are a free trial. You will not be charged during the trial period.
• After the trial, your subscription renews automatically each month at the current price unless cancelled at least 24 hours before the renewal date.
• Payment is charged to your Google Play or Apple account at confirmation of purchase (after the trial period).
• You can cancel your subscription at any time through Google Play or App Store subscription settings. Cancellation takes effect at the end of the current billing period — you retain Pro access until then.
• When Pro access expires (after cancellation or failed payment), holdings above the free tier limit remain in your account but you cannot add new holdings until your count is at or below 50. No data is deleted.
• We do not offer refunds directly. Refund requests are handled by Google Play or the App Store according to their respective policies.

Subscribing in anonymous mode. If you subscribe to BullionView Pro while using the App without an account, your subscription is anchored to your Apple or Google account at the platform level, and the App associates it with an anonymous identifier internally. We recommend signing in to BullionView before subscribing — that links the subscription to your account so it is automatically restored when you reinstall the App or use it on another device. If you subscribe anonymously and later reinstall without signing in, you may need to use your platform's "Restore Purchases" flow to regain access.

Accuracy of financial data

Specifically:

• Spot prices are refreshed approximately once per hour and may not reflect real-time market conditions
• Portfolio valuations are estimates based on spot prices and do not account for dealer premiums, spreads, or transaction costs
• Foreign exchange rates are sourced from the European Central Bank and updated daily
• Historical portfolio values are reconstructed estimates based on spot prices at time of entry
• P&L calculations are for personal reference only and should not be used for tax reporting without independent verification

We are not a financial adviser, broker, or dealer. Nothing in BullionView constitutes financial, investment, tax, or legal advice.

Insurance reports

The insurance report PDF generated by BullionView is for personal record-keeping and documentation purposes only. All valuations are based on spot market prices at the time of generation and do not constitute a professional appraisal, valuation, or guarantee of value. For official insurance valuations, consult a qualified and certified appraiser. We accept no liability for the accuracy, completeness, or suitability of insurance reports for any purpose including insurance claims, estate planning, tax reporting, or legal proceedings.

CSV import and export

You are solely responsible for the accuracy of data you import via CSV. We do not validate the correctness of imported purchase prices, dates, or other financial data beyond format validation. Exported data is provided as-is based on the data you entered.

Your account and data

Account responsibility

You are responsible for maintaining the security of your Google account used to sign in to BullionView. We are not liable for any loss resulting from unauthorised access to your account.

Your data

All holdings data you enter belongs to you. We do not sell, share, or monetise your personal holdings data. See our Privacy Policy for full details on how we handle your data.

Data accuracy

You are responsible for the accuracy of data you enter into the App, including purchase prices, dates, weights, and other holding details.

Anonymous mode data

When you use BullionView without an account, all data you enter is stored only on your device. Deleting the App, factory-resetting your device, or switching to a different device will permanently lose your anonymous-mode data — we cannot recover it because we do not have a copy. We strongly recommend signing in to enable cloud backup, or using the CSV export feature (Pro), if you want to preserve your records before any device migration.

Account deletion

You may delete your account and all associated data at any time from Settings → Delete account. Deletion is permanent and irreversible.

Acceptable use

You agree not to:

• Use the App for any unlawful purpose or in violation of any applicable laws
• Attempt to reverse-engineer, decompile, or extract source code from the App
• Use automated means to access or scrape the App or its backend services
• Attempt to interfere with or disrupt the App's infrastructure
• Create multiple accounts to circumvent the free tier holding limit
• Use the App to store data belonging to other persons without their consent

Intellectual property

BullionView, including its design, code, graphics, and content, is owned by Roman Tabi and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Coin and bar images displayed in the App are used for identification purposes. Respective trademarks belong to their issuing mints and refineries.

You retain ownership of photographs you take using the App.

Limitation of liability

To the maximum extent permitted by applicable law:

• BullionView is provided "as is" without warranties of any kind, express or implied
• We do not warrant that the App will be uninterrupted, error-free, or free of viruses
• We are not liable for any loss of data, financial loss, or consequential damages arising from your use of the App
• Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim

Nothing in these Terms limits liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation, as such limitations are not permitted under Czech or EU law.

Service availability

We aim to provide a reliable service but do not guarantee uninterrupted availability. We may temporarily suspend the service for maintenance, updates, or reasons beyond our control. We will provide reasonable notice of planned downtime where possible.

We reserve the right to discontinue the App with reasonable notice. In such case, we will provide a means for you to export your data.

Changes to these terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. For material changes, we will notify you within the App. Continued use of the App after changes constitutes acceptance of the updated Terms.

Governing law

These Terms are governed by the laws of the Czech Republic. Any disputes arising from these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts of the Czech Republic.

If you are an EU consumer, you also have the right to use the European Commission's Online Dispute Resolution platform: ec.europa.eu/consumers/odr.

Contact

For any questions about these Terms: