Finanzbrew1. Provider and scope
The Service is provided by Finanzbrew GmbH, [Straße und Hausnummer], [PLZ] [Stadt] ("Finanzbrew", "we"). These terms apply to your use of the Finanzbrew mobile app, this website and all associated features (together, the "Service") — whether you use a free or a paid plan.
Any deviating or supplementary terms proposed by the user are rejected; they become effective only if we expressly agree to them in text form.
2. Formation of the contract
- The presentation of plans on this website is not a binding offer but an invitation to make an offer.
- By clicking the button that completes the order process you make a binding offer to conclude a subscription.
- The contract is concluded as soon as we activate your access or confirm the subscription by email. We store the contract text; you receive these terms in text form together with the order confirmation.
3. Plans, prices and billing
The base plan is permanently free. Paid plans are charged in advance for the selected billing period (monthly or yearly). All prices shown on the website are final prices in euros and include statutory VAT at the applicable rate.
On this website, payment is processed by Stripe. If you subscribe in the mobile app instead, billing runs through the App Store or Google Play; in that case the respective platform’s rules additionally govern renewal, cancellation and refunds.
The subscription renews automatically for the selected period unless cancelled before it ends. We announce price changes in text form at least six weeks before they take effect; you may terminate the contract with extraordinary notice up to that date.
4. Right of withdrawal
The right of withdrawal lapses early if you expressly agree that we begin performance before the withdrawal period expires and at the same time confirm that you thereby lose your right of withdrawal (§ 356(5) BGB). We obtain this confirmation separately during the order process.
5. Term and cancellation
You may cancel a subscription at any time with effect from the end of the current billing period; access continues until then. Cancellation is possible via the "Cancel subscription" button in your account or informally by email. We may terminate the contract on 30 days’ notice or, in the event of a material breach of these terms, without notice.
The right of either party to terminate for good cause remains unaffected. You can close a free account at any time under Profile → Delete account.
6. Permitted use
- Use the Service for personal, non-commercial research and education.
- Content may not be systematically extracted (scraping), bulk-downloaded automatically, reproduced or redistributed.
- The app and our APIs may not be reverse-engineered, decompiled or recreated, except where mandatory law permits it.
- The Service may not be used to harass others, for abusive purposes, or to breach applicable law.
7. Account and security
You are responsible for keeping your credentials confidential and must notify us without delay if you suspect unauthorised access. We may suspend an account that breaches these terms, harms other users or jeopardises the stability of the Service. If we suspend an account absent a material breach, we refund fees already paid on a pro-rata basis.
8. No investment advice
Every investment decision is your own. Investments carry risk up to total loss; past performance is not a reliable indicator of future results. Prices, news and fundamentals come from third-party providers; we give no warranty as to their accuracy, completeness or timeliness, and they may be delayed.
9. Availability
We aim for high availability but do not owe uninterrupted access. Maintenance, upstream provider outages and force majeure events may cause temporary restrictions. We announce planned maintenance in advance where possible.
10. Intellectual property
Finanzbrew, the logo and all of the Service’s own content — excluding licensed third-party data — are protected by copyright and belong to Finanzbrew GmbH. For the term of this contract you receive a non-exclusive, non-transferable and non-sublicensable right to use the Service as intended.
11. Liability
- We are liable without limitation for intent and gross negligence, for injury to life, body or health, for fraudulent concealment of a defect, within the scope of any guarantee given, and under the German Product Liability Act.
- For slightly negligent breach of a material contractual obligation (cardinal obligation) — one whose fulfilment makes proper performance of the contract possible in the first place and on whose observance you may regularly rely — our liability is limited to the foreseeable damage typical for this type of contract.
- Otherwise, liability for slight negligence is excluded.
- We are not liable for financial losses arising from investment decisions you make on the basis of information provided in the Service, nor for the accuracy or timeliness of third-party data — subject to paragraphs 1 and 2.
- Mandatory statutory consumer rights remain unaffected by these provisions.
12. Changes to these terms
We may amend these terms where required by a change in law, case law or the further development of the Service, provided the change does not unreasonably disadvantage you. We will notify you of changes in text form at least six weeks before they take effect. If you do not object within that period, the changes are deemed accepted; we will point out this consequence separately in the notice. If you object, either party may terminate the contract as of the effective date.
13. Governing law and jurisdiction
The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer habitually resident in another country, the mandatory consumer protection provisions of that country remain unaffected (Art. 6(2) Rome I).
The place of jurisdiction for merchants, legal entities under public law and special funds under public law is [Stadt]. For consumers the statutory places of jurisdiction apply; we may bring proceedings against you as a consumer only at your place of residence.
14. Dispute resolution
We are neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG). If you have a problem, please contact us directly first — we try to resolve every complaint straight away.
15. Final provisions
Should any provision of these terms be or become invalid, the validity of the remaining provisions is unaffected. The statutory rules apply in place of the invalid provision.
The German version of these terms prevails. The English translation is provided for convenience only.