Terms of Service

These Terms of Service apply to the use of the website finaxum.de and the Finaxum platform (hereinafter "Platform") by registered clients of Finaxum GmbH, Grüneburgweg 18, 60322 Frankfurt am Main (hereinafter "Finaxum"). By using the Platform, you agree to these Terms of Service. Deviating terms apply only if Finaxum has expressly agreed to them in writing.

Finaxum provides registered clients with access to a web-based platform that includes the following services: – Management and overview of your securities portfolio held at the custodian bank Commerzbank AG – Communication with your personally assigned senior broker – Access to market information, research notes, and portfolio analyses – Placement of trading orders executed through the custodian bank The Platform is not an independent trading venue. Orders are processed via the custodian bank. Finaxum is not liable for delays or failures in the custodian bank's systems.

Use of the Platform requires a completed client registration and identification pursuant to § 10 GwG (German Money Laundering Act). You are obliged to: – Keep your access credentials (username, password, two-factor authentication) confidential – Notify Finaxum immediately if you become aware of any unauthorised use of your account – Use the Platform exclusively for your own purposes and not on behalf of third parties In the event of suspected unauthorised access, Finaxum is entitled to temporarily suspend access.

You undertake not to use the Platform for abusive purposes. In particular, the following are prohibited: – Processing data of other users without their consent – Use of automated systems (bots, scrapers) to query data – Transfer or republication of research content licensed for personal use – Any action likely to impair the Platform's infrastructure Violations may result in immediate account suspension and civil claims for damages.

Finaxum endeavours to ensure Platform availability of 99.5% on an annual average, excluding scheduled maintenance windows, which are generally scheduled outside XETRA trading hours (07:30–17:30 CET). Finaxum accepts no liability for outages caused by force majeure, third-party actions, or custodian bank failures. Clients will be notified of planned maintenance at least 24 hours in advance by email.

Market information, forecasts, and research notes provided on the Platform are for informational purposes only and do not constitute individual investment advice within the meaning of WpHG unless explicitly provided as part of a documented advisory service. Past performance is not a reliable indicator of future results. Investing in securities involves risks that may result in the partial or total loss of capital invested.

Finaxum's liability for slight negligence is excluded, provided that no material contractual obligations (cardinal obligations) are affected. Otherwise, liability is limited to the foreseeable, typically contractual damage. This limitation of liability does not apply to damages resulting from injury to life, body, or health, nor to claims under the Product Liability Act.

Finaxum reserves the right to amend these Terms of Service with four weeks' notice. Amendments will be communicated to you by email. If you do not object within the notice period, the amendments are deemed accepted. The right to object does not apply to changes required to comply with statutory or regulatory requirements.

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). The place of jurisdiction for all disputes arising from or in connection with these Terms of Service is Frankfurt am Main, to the extent permitted by law. For consumers, the exclusive place of jurisdiction is the consumer's place of residence.

As of April 2026 · Finaxum GmbH · Frankfurt am Main