Terms of Service

1. Scope
These Terms of Service govern the contractual relationship between Schlau Festgeld, Heller 20, 48301 Nottuln (hereinafter ‘Provider’) and users of our platform and services (hereinafter ‘Customer’). By registering, the Customer agrees to these Terms.

2. Service Description
The Provider brokers fixed-income investment products from German partner banks. The Provider itself is not a party to the investment transactions but acts as an intermediary between the Customer and the partner bank. The specific conditions of the investment products are determined by the respective partner bank.

3. Registration and Account Opening
The use of our services requires registration. The Customer agrees to provide truthful information and to keep their access data confidential. Account opening is subject to the legal requirements of the Money Laundering Act (GwG), which requires identity verification.

4. Customer Obligations
The Customer agrees to use the platform only for lawful purposes, protect their access data from unauthorized access, notify us immediately of changes to their contact data, and not provide false or misleading information.

5. Fees and Costs
The use of the platform is generally free for customers. The conditions of the brokered investment products (including any fees for early termination) are determined by the respective partner bank and transparently communicated to the Customer before contract conclusion.

6. Termination
The Customer may terminate their account at any time without giving reasons. Existing investment products are not affected and continue according to their respective terms. The Provider reserves the right to terminate the user relationship in case of violations of these Terms.

7. Liability
The Provider is only liable for damages in cases of intent and gross negligence. In cases of slight negligence, the Provider is only liable for breach of essential contractual obligations. Liability for indirect damages, lost profits, or financial losses is excluded to the extent permitted by law.

8. Data Protection
The collection and processing of personal data is carried out in accordance with our Privacy Policy and in compliance with GDPR and BDSG.

9. Changes to Terms
The Provider reserves the right to change these Terms. Changes will be communicated to the Customer by email. If the Customer does not object within 4 weeks of receiving the notification, the changed Terms are deemed accepted.

10. Applicable Law
German law applies. The place of jurisdiction is, to the extent legally permissible, Münster.

11. Contact
For questions about these Terms, please contact: contact@klauskassner.de