Terms of use

1. Scope and acceptance
These terms of use govern the contractual relationship between [Company name] (the “Provider”) and any user of the platform and related services (the “Client”).
By registering for, accessing, or using the services, the Client confirms that they have read, understood, and agreed to these terms.

2. Nature of the services
The Provider enables access to fixed-term and fixed-rate products offered by regulated German partner banks.
The Provider acts solely as an intermediary, does not itself provide banking services, does not hold client funds, and is not a party to any investment or deposit transaction.
Any agreement regarding a financial product is concluded exclusively between the Client and the respective partner bank.

3. No investment advice
Information provided on the platform does not constitute investment advice, financial advice, or a recommendation to enter into a transaction.
All content is for information purposes only. Clients are solely responsible for assessing whether a product suits their individual financial situation and objectives.

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

5. Client obligations
The Client undertakes to:
Use the platform only for lawful purposes
Ensure that all information provided is accurate and not misleading
Protect account credentials from unauthorised access
Notify the Provider promptly of changes to personal or contact details
Refrain from any activity that could disrupt, impair, or damage the functionality of the platform

6. Fees and product terms
Use of the platform is generally free of charge for the Client.
All product-related terms, including interest rates, maturities, and applicable fees (e.g. early termination conditions), are set exclusively by the respective partner bank and communicated before the contract is concluded.

7. Risk notice
Although fixed-term deposits are generally regarded as structured and predictable, they may involve certain limitations and risks.
These may include limited liquidity during the agreed term and dependence on the financial stability of the partner bank within the applicable legal protection framework.
The Client acknowledges that past or quoted returns are not a guarantee of future performance.

8. Availability of services
The Provider aims for continuous availability of the platform but does not warrant uninterrupted or error-free operation.
Maintenance, technical issues, or external factors may lead to temporary restrictions or interruptions.

9. Liability
The Provider is liable without limitation in cases of intent and gross negligence.
In cases of slight negligence, liability is limited to breaches of material contractual obligations (cardinal duties) and to foreseeable damages typical for this contract.
To the extent permitted by law, liability for indirect damages, consequential loss, lost profits, or purely financial losses is excluded.
The Provider is not liable for acts, omissions, or services of partner banks or third parties.

10. Privacy
Personal data is processed in accordance with the Provider’s privacy policy and applicable data protection laws, including the GDPR and BDSG.
Further details are available in the privacy policy published on the platform.

11. Changes to the terms
The Provider may amend these terms at any time with effect for the future.
Clients will be notified of changes by email to [Company email].
If the Client does not object within four (4) weeks of notification, the amended terms are deemed accepted.

12. Termination
The Client may close their account at any time without giving reasons.
Termination of the platform account does not affect existing agreements with partner banks, which continue to be governed by their respective terms.
The Provider reserves the right to suspend or terminate access in the event of breaches of these terms or applicable laws.

13. Applicable law and jurisdiction
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]