Terms of Service

Introduction

Welcome to digitalpartnerius. These Terms of Service ("Terms") govern your use of our website digitalpartnerius.pro and the financial advisory services provided by digitalpartnerius GmbH, a company registered in Germany with registration number HRB742905 ("Company", "we", "our", or "us").

Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services. These Terms constitute a legally binding agreement between you and digitalpartnerius.

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

Services Description

digitalpartnerius provides professional financial advisory services including but not limited to:

• Investment planning and portfolio management advice
• Wealth management and preservation strategies
• Retirement and pension planning
• Tax optimisation strategies
• Insurance and risk management planning
• Corporate financial advisory services

Our services are provided in accordance with German financial regulations and are subject to regulatory oversight. We are authorised and regulated as required by German law.

Client Obligations

As a client of digitalpartnerius, you agree to:

• Provide accurate, complete, and up-to-date information about your financial situation, goals, and circumstances
• Notify us promptly of any material changes to your financial situation or investment objectives
• Review all recommendations and documentation carefully before making any investment decisions
• Comply with all applicable laws and regulations
• Pay all fees and charges in accordance with our fee schedule
• Maintain the confidentiality of any login credentials or account information
• Use our services only for lawful purposes

Investment Risks and Disclaimers

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. The value of investments and the income derived from them can go down as well as up, and you may not recover the amount you originally invested.

Our advice is based on information you provide and our analysis of market conditions at the time of recommendation. Market conditions can change rapidly, and recommendations may become outdated. You should carefully consider all risks before making investment decisions.

Fees and Payment

Our fees are clearly disclosed in our service agreements and fee schedules. Fees may include advisory fees, management fees, and transaction costs. All fees are payable in accordance with the terms specified in your service agreement.

We reserve the right to modify our fee structure with appropriate notice. Any fee changes will be communicated to you in advance and will only apply to services provided after the effective date of the change.

Intellectual Property

All content on our website, including text, graphics, logos, images, software, and other materials, is the property of digitalpartnerius or our licensors and is protected by German and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any of our content without our express written permission. Any unauthorised use of our intellectual property is strictly prohibited.

Confidentiality

We maintain strict confidentiality regarding your personal and financial information in accordance with German banking secrecy laws and data protection regulations. We will not disclose your information to third parties except as required by law or with your explicit consent.

You acknowledge that any proprietary information, methodologies, or strategies shared by digitalpartnerius are confidential and agree not to disclose such information to third parties.

Limitation of Liability

To the fullest extent permitted by German law, digitalpartnerius and its directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services or website, including but not limited to investment losses, lost profits, or business interruption.

Our total liability to you for any claim arising from our services shall not exceed the fees paid by you to digitalpartnerius in the twelve months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be limited or excluded under German law.

Indemnification

You agree to indemnify and hold harmless digitalpartnerius and its affiliates, directors, officers, employees, and agents from any claims, damages, losses, costs, or expenses (including reasonable legal fees) arising from your breach of these Terms, your use of our services, or your violation of any applicable laws or regulations.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Germany. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the German courts, with Leipzig, Germany as the place of jurisdiction.

If any provision of these Terms is found to be unenforceable or invalid under German law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remainder of these Terms shall remain in full force and effect.

Termination

Either party may terminate the advisory relationship at any time with written notice. Upon termination, you remain responsible for any outstanding fees and obligations incurred prior to termination.

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, if you breach these Terms or engage in any conduct that we deem inappropriate or harmful to our business or other clients.

Termination does not affect any rights or obligations that have accrued prior to termination, and provisions relating to confidentiality, intellectual property, limitation of liability, and governing law shall survive termination.

Complaints and Dispute Resolution

If you have any complaints about our services, please contact us first to allow us to address your concerns. We are committed to resolving any issues promptly and fairly.

If you are not satisfied with our response, you may have the right to refer your complaint to the relevant German financial regulatory authority or ombudsman service.

Regulatory Information

digitalpartnerius GmbH is registered in Germany with registration number HRB742905 and VAT number DE861974032. We are authorised and regulated in accordance with German financial services law.

Our registered office is located at Mozartstraße 55, 04500 Leipzig, Saxony, Germany. We are subject to regulatory oversight and comply with all applicable German and European Union financial regulations.

Contact Information

If you have any questions about these Terms or our services, please contact us: