Terms of Service

1. Introduction and Acceptance

These Terms of Service ("Terms") govern your access to and use of the website goldbach-financial.org ("Website") operated by Goldbach Financial GmbH ("we", "us", "our"), a company registered in Germany.

By accessing or using the Website, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website.

2. Nature of the Website

The Website provides general informational content relating to financial recovery, debt management, and related topics. All content on this Website is provided strictly for informational and educational purposes only.

You should not rely on any information on this Website as the basis for making financial, legal, or other decisions. We strongly recommend that you consult a qualified financial advisor, legal professional, or other relevant expert before taking any action in relation to your personal financial situation.

3. Eligibility

You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to agree to these Terms.

4. Permitted Use

You may use this Website for personal, non-commercial informational purposes only. You agree not to:

• Use the Website in any way that violates applicable German, EU, or international law or regulation.
• Copy, reproduce, distribute, or republish any content from this Website without our prior written consent.
• Use automated tools, scraping software, or bots to access or extract content from the Website.
• Attempt to gain unauthorised access to any part of the Website or its underlying systems.
• Transmit any unsolicited or unauthorised advertising, spam, or other commercial communications via the Website.
• Engage in any conduct that could damage, disable, overburden, or impair the Website.

5. Intellectual Property

All content on this Website — including text, design, graphics, logos, and code — is the intellectual property of Goldbach Financial GmbH or its licensors and is protected by applicable German and international copyright law.

You are granted a limited, non-exclusive, non-transferable licence to access and view the Website content for personal, non-commercial use. Nothing in these Terms transfers any intellectual property rights to you.

6. Disclaimers

The Website and all content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Website will be uninterrupted, error-free, or free from viruses or other harmful components.
• The information on the Website is complete, accurate, current, or reliable.
• Results obtained from use of the Website will meet your requirements.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Goldbach Financial GmbH and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of, or inability to use, the Website or the information contained therein.

Nothing in these Terms limits or excludes liability for death or personal injury caused by our negligence, or for any other liability that cannot be excluded under German law.

8. Third-Party Links

The Website may contain links to third-party websites for your convenience. We do not endorse, control, or accept any responsibility for the content of those websites. Accessing third-party links is entirely at your own risk.

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Website, you consent to the processing of your personal data as described in the Privacy Policy.

10. Changes to the Website and These Terms

We reserve the right to modify or discontinue the Website or any part of it at any time without notice. We may also update these Terms from time to time. The most recent version will always be available on the Website. Continued use of the Website after changes take effect constitutes acceptance of the revised Terms.

11. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany. Any disputes arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Aschaffenburg, Germany, unless mandatory consumer protection laws in your country of residence provide otherwise.

12. Contact

If you have any questions about these Terms of Service, please contact us:

Goldbach Financial GmbH
Seligenstädter Straße 100
63791 Karlstein a. Main
Deutschland
Email: support@goldbach-financial.org
Telephone: +49 6188 306300