Terms of Service

1. Scope and Acceptance
These Terms of Service govern the contractual relationship between [companyname] (hereinafter referred to as the “Provider”) and any user of the platform and related services (hereinafter referred to as the “Customer”).
By registering, accessing, or using the services, the Customer confirms that they have read, understood, and agreed to be bound by these Terms.

2. Nature of Services
The Provider facilitates access to fixed-term deposit and fixed-income products offered by regulated German partner banks.
The Provider acts solely as an intermediary and does not itself offer banking services, hold customer funds, or become a contractual party to any investment or deposit agreement.
Any agreement relating to a financial product is concluded exclusively between the Customer and the respective partner bank.

3. No Investment Advice
The information provided on the platform does not constitute investment advice, financial advice, or a recommendation to enter into any transaction.
All content is provided for informational purposes only. Customers are solely responsible for evaluating whether a product is suitable for their individual financial situation and objectives.

4. Registration and Identity Verification
Use of the platform requires registration and the creation of a user account.
The Customer is obligated to provide accurate, complete, and up-to-date information at all times.
Access to certain services may require identity verification in accordance with applicable legal and regulatory requirements, including anti-money laundering regulations (e.g., German GwG).
The Customer is responsible for maintaining the confidentiality of their login credentials.

5. Customer Obligations
The Customer agrees to:
Use the platform exclusively for lawful purposes
Ensure that all information provided is accurate and not misleading
Protect account credentials against unauthorized access
Inform the Provider without undue delay of any changes to personal or contact information
Refrain from any activity that may disrupt, damage, or impair the functionality of the platform

6. Fees and Product Conditions
The use of the platform is generally free of charge for the Customer.
All product-related conditions, including interest rates, maturity terms, and any applicable fees (e.g., early termination conditions), are determined solely by the respective partner bank and communicated prior to contract conclusion.

7. Risk Disclosure
Although fixed-term deposits are generally considered structured and predictable, they may involve certain limitations and risks.
These may include, but are not limited to, limited liquidity during the agreed term and dependency on the financial stability of the partner bank within the applicable legal protection framework.
The Customer acknowledges that past or indicated returns do not constitute a guarantee of future performance.

8. Availability of Services
The Provider aims to ensure continuous availability of the platform but does not guarantee uninterrupted or error-free operation.
Maintenance, technical issues, or external factors may result in temporary limitations or interruptions.

9. Liability
The Provider shall be liable without limitation in cases of intent and gross negligence.
In cases of slight negligence, liability is limited to breaches of essential contractual obligations (cardinal duties) and restricted to foreseeable damages typical for the contract.
To the extent permitted by law, liability for indirect damages, consequential damages, loss of profit, or purely financial losses is excluded.
The Provider is not liable for actions, omissions, or performance of partner banks or third-party service providers.

10. Data Protection
Personal data is processed in accordance with the Provider’s Privacy Policy and applicable data protection laws, including GDPR and BDSG.
Further details can be found in the Privacy Policy available on the platform.

11. Amendments to Terms
The Provider reserves the right to amend these Terms at any time with future effect.
Customers will be informed of changes via email to [companyemail].
If the Customer does not object within four (4) weeks of notification, the amended Terms shall be deemed accepted.

12. Termination
The Customer may terminate their account at any time without providing reasons.
Termination of the platform account does not affect any existing agreements with partner banks, which remain governed by their respective terms.
The Provider reserves the right to suspend or terminate access in cases of violation of these Terms or applicable laws.

13. Applicable Law and Jurisdiction
These Terms shall be governed by the laws of the Federal Republic of Germany.
To the extent legally permissible, the place of jurisdiction shall be the registered office of the Provider.

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