1. Scope of Application

These General Terms and Conditions (GTC) apply to all services, advisory content, and digital offerings (hereinafter "Services") provided by FinanzCheck (hereinafter "Provider") via the website ustunbayreklam.com.

The Services are intended solely for general information and education in the field of finance and investments. They do not constitute individual investment advice, financial or legal advice within the meaning of the German Securities Trading Act (Wertpapierhandelsgesetz - WpHG) or other statutory provisions.

2. Service Description and Liability

The Provider creates and publishes editorial content, guides, checklists, and analyses on financial topics. The focus is on imparting knowledge for the critical evaluation of financial products and marketing promises.

2.1 No Advisory Guarantee

All information provided is researched with the utmost care. However, no guarantee is given for the completeness, accuracy, timeliness, or suitability for a particular purpose. The use of the information is at the user's own risk.

2.2 Limitation of Liability

The Provider is liable without limitation only in cases of intent and gross negligence. In cases of slight negligence, the Provider is liable only for the breach of essential contractual obligations (cardinal duties) and only for the foreseeable, typically occurring damage. Liability for indirect damages, lost profits, or data loss is excluded to the extent permitted by law.

These limitations of liability do not apply in cases of injury to life, body, or health.

3. Rights of Use and Obligations

The content published on the website is protected by copyright. The user is granted a simple, non-transferable right for personal, non-commercial use of the content.

In particular, it is prohibited:

• To reproduce, distribute, or make the content publicly available for commercial purposes.
• To modify the content or integrate it into other works.
• To use automated systems (bots, crawlers) that impair the operation of the website.
• To make false or misleading statements about the origin of the content.

4. Termination of Use

The Provider may restrict or terminate access to certain content or services at any time and without stating reasons, particularly in the event of violations of these GTC.

The user may stop using the Services at any time by no longer visiting the website.

5. Changes to the Terms

The Provider reserves the right to adapt these GTC as necessary. Users will be informed of material changes appropriately, e.g., via a notice on the website. The amended terms shall apply unless the user objects to the change within four weeks of notification. The Provider will point out this legal consequence in the notification.

6. Contact for Legal Matters

Questions regarding these Terms of Use and legal matters should be directed to the following contact details:

FinanzCheck
Beckerstraße 53c
Email: info@ustunbayreklam.com
Phone: +49 (09162) 8466972

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. The place of jurisdiction for all disputes arising from or in connection with these GTC is, to the extent legally permissible, the registered office of the Provider.