Terms of Service

Welcome to TubeReads. These Terms of Service ("Terms") govern your access to and use of the TubeReads platform, operated by FinStory GmbH ("Company", "we", "us", or "our").

By accessing or using TubeReads, you agree to be bound by these Terms. If you do not agree, do not use our service.

1. Scope & Parties

1.1 These Terms govern the use of the TubeReads platform accessible at www.tubereads.com ("Website"), provided by:

1.2 TubeReads uses Stripe (Stripe, Inc.) as its payment provider for processing paid subscriptions. Stripe handles billing, payment collection, and invoicing on our behalf. Stripe's terms of service apply in addition to these Terms.

1.3 The free tier of TubeReads is provided directly by FinStory GmbH without payment provider involvement.

2. Service Description

2.1 TubeReads is a software-as-a-service (SaaS) platform that uses artificial intelligence to generate summary reports from YouTube video content. The service allows you to:

• Browse a public library of AI-generated video summary reports
• Submit any YouTube video URL to receive an instant AI-generated summary
• Subscribe to YouTube channels to automatically receive summary reports when new videos are published
• Receive summary reports via email
• Download reports as PDF (premium feature)

2.2 The summaries are generated by artificial intelligence and are intended for informational and educational purposes only. They do not constitute financial, investment, legal, or professional advice of any kind.

3. Account Registration

3.1 Certain features of TubeReads require you to create an account. You may register using a valid email address or through a supported OAuth provider (e.g. Google, Microsoft).

3.2 You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3.3 You must be at least 16 years old to create an account and use this service.

3.4 You agree to provide accurate and complete information during registration and to keep this information up to date.

3.5 We reserve the right to suspend or terminate accounts that we reasonably believe violate these Terms.

4. Subscription Plans & Billing

4.1 Plans

TubeReads offers the following tiers:

Prices are shown in USD. Equivalent pricing is available in CHF, EUR, and GBP. The applicable currency is selected during checkout.

4.2 Billing

All paid subscriptions are processed and billed by Stripe. Prices are displayed in your selected currency at checkout. Applicable taxes (including VAT) are calculated and collected by Stripe based on your location.

4.3 Renewals

Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. You will be charged the then-current price at renewal.

4.4 Free Tier Limitations

The free tier is subject to usage limits as defined in the current plan description. We reserve the right to adjust free tier limits at any time with reasonable notice.

5. Cancellation & Refunds

5.1 Cancellation

You may cancel your paid subscription at any time through your Account Settings. Cancellation takes effect at the end of your current billing period. You retain access to premium features until that date.

5.2 Money-Back Guarantee

We offer a 30-day money-back guarantee on all paid subscriptions. If you are not satisfied with TubeReads, you may request a full refund within 30 days of your initial purchase or any subscription renewal. To request a refund, contact us at support@tubereads.com.

5.3 Refund Processing

All refund requests are processed through Stripe, our payment provider. For refund inquiries, please contact us at support@tubereads.com and we will process your request accordingly.

5.4 Right of Withdrawal (EU/EEA/Swiss Consumers)

If you are a consumer in the EU, EEA, or Switzerland, you have the right to withdraw from your subscription within 14 days of purchase without giving any reason, in addition to the money-back guarantee described above. To exercise this right, contact us at support@tubereads.com. The refund will be processed within 14 days using the original payment method.

5.5 Account Deletion

If you delete your account, your subscription is cancelled immediately and access to the service is terminated. This action is permanent. For any refund related to remaining subscription time, please contact us at support@tubereads.com before deleting your account.

5.6 Termination by Us

We reserve the right to terminate accounts that violate these Terms, with or without notice. In such cases, refund eligibility is determined at our sole discretion.

6. AI-Generated Content

6.1 TubeReads uses artificial intelligence (currently Anthropic's Claude) to generate summary reports from YouTube video transcripts. Transcripts are obtained through licensed third-party transcript services (currently supadata). We do not guarantee the accuracy, completeness, or reliability of AI-generated content.

6.2 Summaries may contain errors, omissions, or misinterpretations of the original video content. You acknowledge that AI-generated summaries should not be relied upon as a sole source of information.

6.3 You are solely responsible for any decisions or actions taken based on the content of TubeReads reports.

7. Acceptable Use

You agree NOT to:

• Share your account credentials with third parties
• Use the service to generate content that is illegal, defamatory, or violates third-party rights
• Attempt to reverse engineer, decompile, or extract the underlying AI models or algorithms
• Bypass usage limits, security measures, or access controls
• Use automated systems (bots, scrapers) to access the service beyond normal use
• Resell, redistribute, or commercially exploit TubeReads content or service without authorization
• Systematically download or redistribute reports in bulk
• Interfere with or disrupt the service infrastructure

8. Intellectual Property & Copyright

8.1 Our Service

TubeReads, including its design, features, software, and technology, is owned by FinStory GmbH and protected by applicable intellectual property laws. All rights not expressly granted are reserved.

8.2 AI-Generated Summaries

Summary reports generated by TubeReads are AI-generated derivative works created for educational and informational purposes. They are not reproductions of original video content. TubeReads claims no ownership over the ideas, opinions, or facts expressed in the original videos.

8.3 Your Use of Reports

You may use TubeReads reports for personal, non-commercial purposes. Sharing individual reports via the provided sharing features is permitted. Systematic redistribution or commercial use requires our prior written consent.

9. Third-Party Content & Takedowns

9.1 TubeReads summarises publicly available YouTube video content using AI. All summaries prominently attribute and link to the original video and channel.

9.2 We do not reproduce full transcripts or substantial portions of original content. Summaries are transformative, AI-generated works intended for educational reference.

9.3 If you are a content creator and wish to have your content removed from TubeReads, please contact us at support@tubereads.com. We will process takedown requests within 48 hours.

9.4 We respect intellectual property rights and will promptly respond to valid notices of alleged copyright infringement.

10. Data Handling & Privacy

10.1 Your use of TubeReads is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal data.

10.2 By using TubeReads, you consent to the processing of data as described in the Privacy Policy.

11. Service Availability

11.1 We strive for high availability but do not guarantee uninterrupted, error-free service. TubeReads is provided on a best-effort basis.

11.2 We may perform maintenance, updates, or modifications that temporarily affect availability. We will provide reasonable notice where possible.

11.3 We reserve the right to modify, suspend, or discontinue features of the service at any time with reasonable notice.

11.4 The availability and quality of AI-generated summaries depends on third-party services (YouTube transcript availability, AI model performance) which are outside our control.

12. Limitation of Liability

12.1 TubeReads is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, or accuracy of AI-generated content.

12.2 FinStory GmbH is liable without limitation for damages caused by intent or gross negligence, and for injury to life, body, or health.

12.3 For simple negligence, FinStory GmbH is only liable for breach of a material contractual obligation (cardinal obligation), and such liability is limited to foreseeable, typically occurring damages. In any case, liability is limited to the amount you paid us in the 12 months preceding the claim.

12.4 We are not liable for:

• Inaccuracies in AI-generated summaries or financial data
• Decisions made based on TubeReads content
• Financial losses resulting from reliance on summary reports
• Loss of data or content
• Indirect, incidental, or consequential damages
• Service interruptions caused by third-party providers

12.5 Mandatory liability under the Swiss Code of Obligations and the Swiss Product Liability Act remains unaffected.

13. Indemnification

You agree to indemnify and hold harmless FinStory GmbH, its directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any third-party rights

14. Changes to Terms

14.1 We may update these Terms from time to time. Material changes will be communicated via email or in-app notification at least 14 days before they take effect.

14.2 Continued use of TubeReads after the effective date of updated Terms constitutes acceptance. If you do not agree with the changes, you must stop using the service and may cancel your subscription.

15. Governing Law & Jurisdiction

15.1 These Terms are governed by and construed in accordance with the laws of Switzerland, excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG) and conflict-of-law provisions.

15.2 For users residing in an EU/EEA member state, mandatory consumer protection provisions of their country of residence remain unaffected.

15.3 The exclusive place of jurisdiction is Zurich, Switzerland, unless mandatory law provides otherwise.

16. Dispute Resolution

16.1 The European Commission provides an online dispute resolution platform at https://ec.europa.eu/consumers/odr/.

16.2 FinStory GmbH is not obligated and does not participate in dispute resolution proceedings before a consumer arbitration board.

17. Contact

For questions about these Terms: