Risk Disclosures

1. General Provisions
These Terms of Service define the conditions under which [companyname] (the “Provider”) makes its platform and related services available to users (the “Customer”).
By accessing or using the platform, the Customer confirms acceptance of these Terms in their current version.

2. Role of the Provider
The Provider operates a digital platform that enables Customers to explore and access fixed-term deposit products offered by regulated German banks.
The Provider does not act as a financial institution, does not accept deposits, and does not become a party to any agreement between the Customer and a partner bank.
All financial products are provided exclusively by the respective partner bank.

3. No Advisory Relationship
The Provider does not provide investment advice, portfolio management, or personalized financial recommendations.
Any information presented on the platform is of a general nature and does not consider the Customer’s individual financial situation or objectives.

4. Eligibility and Account Registration
Use of the platform may require registration and the creation of a user account.
The Customer must provide accurate, complete, and up-to-date information and is responsible for maintaining the confidentiality of their access credentials.
Access to financial products may be subject to identity verification and regulatory requirements in accordance with applicable laws, including anti-money laundering obligations.

5. Use of the Platform
The Customer agrees to use the platform in a lawful and responsible manner.
In particular, the Customer shall not:

Use the platform for unlawful or fraudulent purposes
Provide false, misleading, or incomplete information
Attempt to gain unauthorized access to systems or data
Interfere with the proper functioning of the platform

6. Product Information and Conditions
Information presented on the platform regarding deposit products is provided for informational purposes only.
All binding terms, including interest rates, duration, and conditions, are defined by the respective partner bank and communicated prior to entering into any agreement.

7. Costs and Fees
Access to and use of the platform is generally free of charge for Customers.
Any fees, costs, or conditions associated with financial products are determined solely by the partner bank and may vary depending on the selected product.

8. Service Availability
The Provider aims to ensure reliable access to the platform but does not guarantee uninterrupted availability.
Temporary interruptions may occur due to maintenance, technical issues, or external factors beyond the Provider’s control.

9. Limitation of Liability
The Provider shall be liable without limitation in cases of intent or gross negligence.
In cases of slight negligence, liability is limited to breaches of essential contractual obligations and to foreseeable damages typical for this type of service.
To the extent permitted by law, liability for indirect damages, loss of profit, or financial losses is excluded.
The Provider is not responsible for the performance, obligations, or solvency of partner banks.

10. Data Protection
The processing of personal data is carried out in accordance with applicable data protection laws and the Provider’s Privacy Policy.
Further information is available in the Privacy Policy on the platform.

11. Amendments
The Provider may update these Terms from time to time to reflect legal, operational, or service-related changes.
Customers will be notified of material changes via email to [companyemail].
Continued use of the platform after such notification constitutes acceptance of the updated Terms, unless the Customer objects within a reasonable period.

12. Termination of Use
The Customer may discontinue use of the platform at any time.
The Provider reserves the right to restrict or terminate access in cases of misuse, breach of these Terms, or legal requirements.
Existing agreements with partner banks remain unaffected by termination of platform access.

13. Governing Law
These Terms are governed by the laws of the Federal Republic of Germany.
To the extent permitted by law, the place of jurisdiction shall be the registered office of the Provider.

14. Contact
For any questions regarding these Terms, please contact:
[companyemail]