Download it nowTerms of Use
Financial Advice Warning
The information provided by Capiwise through its website and/or mobile application (Platforms) is either factual information or general advice. It is based upon 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 (Bundesanstalt für Finanzdienstleistungsaufsicht, 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.
Please read our Investment Services Agreement to learn more.
Account Creation
To create an account, you must 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.
Collection Notice
We collect personal information about you in order to provide our services and for purposes otherwise set out in our Privacy Policy. That document should be read in conjunction with this document.
Collection Notice
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. You should monitor any changes to the information contained on these Platforms.
Furthermore, we make no commitments regarding the minimum amount of uptime that our platforms will maintain, although we will make every reasonable attempt to ensure that the platforms are operational.
We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with the use of these Platforms or a linked website. You must take your own precautions to ensure that whatever you select for your use from our Platforms is free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of your computer systems.
We may, from time to time and without notice, change or add to the Platforms (including the Terms) or the information, products or services described in it. However, we do not undertake to keep the Platforms updated. We are not liable to you or anyone else if errors occur in the information or the Platforms are not up-to-date.
Promotions and Competitions
For certain campaigns, promotions or contests, additional terms and conditions may apply. If you want to participate in such a campaign, promotion or contest, you need to agree to the relevant terms and conditions applicable to that campaign, promotion or contest. In case of any inconsistency between such terms and conditions and these Terms, those terms and conditions will prevail.
Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of Germany. Any dispute arising out of or in connection with these Terms and Conditions, including any question regarding its existence, validity or termination, shall be subject to the exclusive jurisdiction of the courts of Berlin, Germany.
Trials
New users to Capiwise are able to request a trial subscription. This trial shall be up to a maximum of 30 days to allow the user to assess the full Capiwise experience. Users (or households) are restricted to one trial per 12 months, and approval of a trial is at our sole discretion.
Purchases
Users are able to purchase premium services from Capiwise. These services can be delivered via subscription or one-off payments. We reserve the right to cancel or refuse access to our premium services for any user. The following terms apply to those users that have purchased said premium features.
Discounts/Promotional Prices
Users that subscribe under a reduced rate shall have the discount applied for that period only (i.e. as advised on the offer, up to a maximum of 12 months). After which time, their rate shall revert to standard pricing at that date.
Changes in price
Capiwise reserves the right to change our pricing at any time, and with reasonable notice to our subscribers. At the end of the notice period, the user’s next billing period (i.e. monthly or annually) payment shall be at the revised price.
Payment methods and security
Payments are via credit card and are handled by a third-party payment service called Stripe. Credit card details are not stored on Capiwise’s systems.
Cancellation
Users can cancel their subscription at any time. Users shall not be entitled to a partial refund; however, at our sole discretion, we may choose to give users a partial refund.
Refunds
We offer a 14-day money-back guarantee for all new subscribers from their sign-up date. Past the 14-day period, refunds shall be at our sole discretion.
Subscription fees
If applicable, users authorize Capiwise to automatically debit their credit card on their initial registration and then on each subsequent anniversary of their billing cycle (i.e. monthly or annually), until canceled.
Sole use only
Users are unable to share access to their premium features unless explicitly approved under their subscription level.
German Users
Fees charged to German users are subject to VAT.
Linked sites
Our Platform may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites.
Intellectual property rights
Unless otherwise indicated, we own or license from third parties all rights, title and interest (including copyright, designs, patents, trademarks, and other intellectual property rights) in these Platforms and in all of the material (including all text, graphics, logos, audio, and software) made available on these Platforms (Content). Your use of these Platforms and use of and access to any Content does not grant or transfer any rights, title, or interest to you in relation to these Platforms or the Content. However, we do grant you a license to access these Platforms and view the Content on the terms and conditions set out in this Agreement and, where applicable, as expressly authorized by us and/or our third-party licensors. Outside of the affiliate or partnership program, social sharing buttons, infographic download feature, PDF download feature (only available with selected subscription levels) or with written permission any reproduction or redistribution of these Platforms or the Content is prohibited and may result in civil.
No Commercial Use
Except for the affiliate/partnership programs and professional membership levels, the Platforms are for your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, create derivative works from, transfer, or sell any content, software, products, or services contained within the Platforms. You may not use the Platforms, or any of its content, to further any commercial purpose, including any advertising or advertising revenue generation activity on your own website.
Unacceptable Activity
You must not do any act that we would deem to be inappropriate, unlawful, or prohibited by any laws applicable to these Platforms, including but not limited to:
- any act that would constitute a breach of either the privacy (including uploading private or personal information without an individual consent) or any other of the legal rights of individuals;
- using these Platforms to defame or libel us, our employees, or other individuals;
- uploading files that contain viruses that may cause damage to our property or the property of other individuals;
- posting or transmitting to these Platforms any non-authorized material, including but not limited to material that is, in our opinion, likely to cause annoyance or which is defamatory, racist, obscene, threatening, pornographic, or otherwise or which is detrimental to or in violation of our systems or a third systems or network security;
You must not do any act that we would deem to be inappropriate, unlawful, or prohibited by any laws applicable to these Platforms, including but not limited to:
Warranties and Disclaimers
To the maximum extent permitted by law, we make no warranties or representations about the Platforms or the content, including but not limited to warranties or representations that they will be complete, accurate, or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that the Platforms will be secure. We reserve the right to restrict, suspend, or terminate without notice your access to the Platforms, any content, or any feature of the Platforms at any time without notice, and we will not be responsible for any loss, cost, damage, or liability that may arise as a result.
Liability
To the maximum extent permitted by law, in no event shall we be liable for any direct and indirect loss, damage, or expense – irrespective of the manner in which it occurs – which may be suffered due to your use of our Platforms and/or the information or materials contained on it, or as a result of the inaccessibility of these Platforms and/or the fact that certain information or materials contained on it are incorrect, incomplete, or not up-to-date.
Cookies
These Platforms use cookies. If you do not have cookies enabled in your web browser, some functions of the site may not work as intended.
Jurisdiction and Governing Law
Your use of these Platforms and these Terms are governed by the law of Germany and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in Germany.
Special Conditions in relation to S&P Capital IQ
S&P Capital IQ is the major data provider to Capiwise, which is provided under a license arrangement. For the purposes of this special condition, LICENSEE shall mean Capiwise, and S&P Services/S&P shall mean S&P Capital IQ. Furthermore:
A)
1."Licensee Customer" shall mean an entity that is a customer of LICENSEE and (a) provides access to the S&P Service(s) to its employees only for their internal use for business purposes; and (b) can access any of the S&P Service(s) only via a password/user ID issued by LICENSEE.
2. "End User" shall mean an individual that is a customer of LICENSEE and (a) whose use of the S&P Service(s) shall be solely for his/her personal non-commercial use; and (b) who can access any of the S&P Service(s) only via a password/user ID issued by LICENSEE.
B)
S&P Service(s) agrees that:
1.Neither LICENSEE, S&P, their affiliates nor any third-party licensor shall have any liability for the accuracy or completeness of the information or software furnished through the Licensee Service, or for delays, interruptions or omissions therein nor for any lost profits, indirect, special or consequential damages.
2.Either LICENSEE, S&P, their affiliates or third-party licensors have exclusive proprietary rights in any information and software received.
3.Subscriber shall not use or permit anyone to use the information or software provided through the Licensee Service for any unlawful or unauthorized purpose.
4.Subscriber is not authorized or permitted to furnish such information or software to any person or firm for reuse or retransmission without prior written approval of the source of such information or software.
5.Access to the S&P Service(s) is subject to termination in the event that any agreement between LICENSEE and a provider of information or software distributed through the Licensee Service is terminated in accordance with its terms.
The use of the S&P Service(s) by End Users and Licensee Customers shall be in compliance with Section A(i-ii) above.
Governing Law
These special conditions shall be governed by and construed in accordance with the laws of Germany, and any disputes arising from or in connection with these special conditions shall be subject to the exclusive jurisdiction of the courts of Germany.
