Terms of Service

We read. You decide. The licence-free posture is the product.

1. What Skontro is

Skontro is an information and aggregation service operated by OptiRisk Consulting e.U., Döblerhofstraße 10/167, 1030 Vienna, Austria (FN 626043b, Handelsgericht Wien — full details in the Imprint). It reads publicly available wallet data and read-only exchange API data on your instruction, consolidates it into a single view, and provides market information. An Austrian tax-calculation module is built but is not offered at present; if and when it is enabled as an optional regional add-on, its use is covered by these terms (see §5).

2. What Skontro is not

We do not, under any circumstance:

• Accept, route, transmit, or execute orders on your behalf
• Custody crypto-assets, fiat funds, or private keys
• Provide personalised investment advice
• Operate a trading venue or matching system
• Automatically rebalance, trade, or move assets

These exclusions are load-bearing for our classification as an Information Society Service rather than a Crypto-Asset Service Provider (CASP) under Regulation (EU) 2023/1114 (MiCAR). They are enforced in code — order-execution methods are hard-blocked and covered by tests — and remain invariant for as long as Skontro exists. Our public methodology pages document how every figure is measured.

3. Read-only API keys

When you connect an exchange account, you must supply read-only API credentials only. We re-validate the read-only scope of every key on add and every seven days thereafter. If you knowingly supply a key with trading or withdrawal scopes, you breach these Terms and we suspend the integration without notice.

4. Your trading decisions remain yours

Every order, swap, deposit, or withdrawal happens on the exchange, bridge, or wallet of your choice — not here. Affiliate links we provide are transparent and disclosed (see Affiliate Disclosure). Whether you act on the information we surface is your responsibility alone.

5. Tax helper output is not tax advice

If the Austrian tax module is enabled for your account, its output (the moving-average cost / gleitender Durchschnittspreis calculation, KESt regime cutoffs) is a technical helper and a pre-calculation only — not a substitute for advice from a qualified Steuerberater. Verify every figure with your tax professional before submission.

6. Subscription, withdrawal, cancellation

Subscriptions renew automatically until cancelled. EU consumers have a 14-day right of withdrawal under Directive 2011/83/EU, with the statutory exception for digital services begun with explicit consent. Cancel any time inside the dashboard; refund handling follows EU consumer rules.

7. Liability

We exclude liability for trading losses, missed opportunities, and third-party platform failures to the maximum extent permitted under Austrian consumer-protection law. We remain fully liable for damages caused by intent or gross negligence.

8. Disputes

Exclusive place of jurisdiction is Vienna, Austria; Austrian law applies. Mandatory consumer-protection provisions of your country of residence remain unaffected.