Risk information

1. General provisions
These terms of use set out the conditions under which [Company name] (the “Provider”) makes its platform and related services available to users (the “Client”).
By accessing or using the platform, the Client confirms acceptance of these terms in their current version.

2. Role of the Provider
The Provider operates a digital platform that enables clients to explore and access fixed-term deposit products from regulated German banks.
The Provider is not a financial institution, does not take deposits, and is not a party to any agreement between the Client and a partner bank.
All financial products are provided solely by the respective partner bank.

3. No advisory relationship
The Provider does not offer investment advice, portfolio management, or individual financial recommendations.
All information presented on the platform is of a general nature and does not take into account the Client’s individual financial situation or objectives.

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

5. Use of the platform
The Client undertakes to use the platform in a lawful and responsible manner.
In particular, the Client must not:

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

6. Product information and terms
Information on deposit products presented on the platform is for information purposes only.
All binding terms, including interest rates, maturities, and conditions, are set by the respective partner bank and communicated before an agreement is concluded.

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

8. Service availability
The Provider aims to ensure reliable access to the platform but cannot 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 is liable without limitation in cases of intent or gross negligence.
In cases of slight negligence, liability is limited to breaches of material contractual obligations and to foreseeable damages typical for this type of service.
To the extent permitted by law, liability for indirect damages, lost profits, or financial losses is excluded.
The Provider is not responsible for the performance, obligations, or solvency of partner banks.

10. Privacy
Personal data is processed in accordance with applicable data protection laws and the Provider’s privacy policy.
Further information can be found in the privacy policy on the platform.

11. Changes
The Provider may update these terms from time to time to reflect legal, operational, or service-related changes.
Clients will be informed of material changes by email at [Company email].
Continued use of the platform after such notice constitutes acceptance of the updated terms unless the Client objects within a reasonable period.

12. Termination of use
The Client may stop using 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 is the Provider’s registered office.

14. Contact
For questions about these terms, please contact:
[Company email]