Terms of Use
Financial Advice Warning
Capiwise's information provided through its website and/or mobile application (Platforms) is either factual information or general advice based on the results of our analysis model.
Capiwise GmbH (Registergericht: Amtsgericht Charlottenburg, UVZ-Nrn. 468+469/2023), is a registered investment advisor (Vermögensanlageberater) with the German Federal Financial Supervisory Authority (BaFin). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation, or needs. You should not rely on any advice and/or information contained in this website, and before making any investment decision, we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation, and legal advice. Please read our Investment Services Agreement (Vermögensanlagen-Informationsblatt) before deciding whether to obtain investment services from us.
Account Creation
To create an account, you must be:
- Be at least 18 years of age;
- Possess the legal right and ability to enter into a legally binding agreement with us;
- Agree and warrant to use these Platforms in accordance with these Terms.
We retain the right to cancel your account for any reason or refuse your account creation request.
Data Protection and GDPR Compliance
We are committed to protecting your personal data in compliance with the EU General Data Protection Regulation (GDPR). Please review our Privacy Policy for details on how we process your data, your rights as a data subject, and how you can exercise them.
Your Data Rights
- Access: You have the right to request access to your personal data that we process.
- Rectification: You can ask us to correct any inaccuracies in your personal data.
- Erasure: You have the right to request the deletion of your data, subject to our legal obligations.
- Restriction of Processing: You can request limited use of your data in specific cases.
- Objection: You may object to the processing of your data based on our legitimate interests.
For any GDPR-related inquiries or requests, contact us at [email protected].
Collection Notice
We collect personal information about you to provide our services and for purposes otherwise set out in our Privacy Policy. The information on our Platforms is not comprehensive and is intended to provide a summary of the subject matter covered. While we use all reasonable attempts to ensure the accuracy and completeness of the data and information on our Platforms, to the extent permitted by law, including the German Civil Code, we make no warranty regarding the information on these Platforms. Users are responsible for keeping their account information secure and up-to-date.
User Conduct
You agree to use the Platforms only for lawful purposes. You must not:
- Violate any applicable laws or regulations.
- Upload content that infringes on others' intellectual property rights.
- Engage in any activity that disrupts or harms the integrity of the Platforms.
- Use bots, crawlers, or scraping technologies without prior written consent.
Promotions and Competitions
Additional terms and conditions may apply to certain campaigns, promotions, or contests. Participation in such campaigns requires agreement to the relevant terms and conditions applicable to that campaign. In case of any inconsistency between such terms and these Terms, those specific terms will prevail.
Purchases and Subscriptions
- Discounts/Promotional Prices: Discounts apply only for the specified period and will revert to standard pricing thereafter.
- Changes in Price: We reserve the right to adjust our pricing with reasonable notice. Payments for subsequent billing cycles will reflect the revised price.
- Payment Methods and Security: Payments are processed through secure third-party services. Credit card information is not stored on Capiwise servers.
- Refunds: Refunds are available within 14 days of purchase. Beyond this period, refunds are issued at our sole discretion.
Cookies
These Platforms use cookies to enhance the user experience. By using the Platforms, you consent to our use of cookies. If cookies are disabled, some functionalities may not work as intended. Refer to our Cookie Policy for details.
Liability
To the maximum extent permitted by law, we are not liable for:
- Direct or indirect loss, damage, or expense arising from your use of the Platforms.
- Any inaccuracies or omissions in the content.
- Interruptions or errors in access.
Intellectual Property
All intellectual property rights in the Platforms and content are owned by or licensed to Capiwise. Users may access the Platforms for personal use but are prohibited from reproducing, distributing, or commercializing any part of the Platforms without prior written consent.
Unacceptable Activity
You must not engage in activities deemed inappropriate, unlawful, or in violation of applicable laws, including:
- Breaching the privacy of others.
- Uploading viruses or malicious code.
- Transmitting unauthorized or defamatory content.
Jurisdiction and Governing Law
These Terms and your use of the Platforms are governed by the laws of Germany and the state of Delaware, USA. Disputes are subject to the exclusive jurisdiction of the courts of Berlin, Germany, and Delaware, USA.
Special Conditions in Relation to S&P Capital IQ
The use of S&P Capital IQ services is subject to the terms specified under the license arrangement. Refer to the detailed terms above for compliance and restrictions.
