1. Intended Use The service provider of the website "xaver.com" and the associated digital offering ("Digital Offering") is Xaver Group GmbH, Pilgrimstraße 6, 50674 Cologne, Germany (hereinafter "Xaver Group" or "we"). The Digital Offering is exclusively available for temporary use by business partners authorized by Xaver Group. The use is intended for product testing and does not entitle to commercial or other use beyond the test period. Xaver Group reserves the right to withdraw access to the Digital Offering at any time and without giving reasons. Linking from other websites to the Digital Offering or its contents is not permitted without prior consent of Xaver Group.

2. No Contractual Offer Accessing data, information, and content of the Digital Offering ("Content") does not lead to any contractual relationships between you and Xaver Group, unless explicitly stated otherwise. The Content does not represent a binding offer (”invitatio ad offerendum”) and does not contain offers for the purchase and/or sale of insurance or financial instruments.

3. No Advice The Content is not intended for investment, legal, and/or tax advice. In particular, all information about financial services should not be understood as individual investment recommendations. Financial services involve risks; professional advice should be sought for financial, tax, and/or legal matters if needed.

4. Disclaimer The Content primarily serves to provide general explanations of the Digital Offering. Subject to deviating contractual agreements or mandatory legal provisions, Xaver Group assumes no liability for the completeness, currentness, or accuracy of the Content, nor for damages resulting from unlawful or unauthorized use. Xaver Group does not guarantee that the Digital Offering is error-free or free from viruses or other harmful components. Xaver Group reserves the right to partially or completely discontinue, interrupt, or adjust the Digital Offering without prior notice.

5. External Content External content, including linked websites, is the responsibility of the respective rights holders. Where necessary, Xaver Group has limited, non-exclusive, and non-transferable usage rights to this external content. We assume no liability for the completeness, currentness, accuracy, or legal compliance of external content and are not liable for damages caused by unauthorized use of this content. If there are indications of illegal content, we will review and remove it if necessary.

6. Copyright and Intellectual Property Rights Xaver Group owns all intellectual property rights to the Digital Offering, including associated documentation and products of the related services. These Terms of Use do not grant you any rights to patents, copyrights, database rights, or other intellectual property rights. The rights granted to you are exclusively defined by these Terms of Use and include non-exclusive, non-transferable, and revocable use of the Digital Offering. Any use beyond this requires prior written consent from Xaver Group. You are prohibited from copying, modifying, publishing, displaying, or attempting to decompile or reverse engineer the Digital Offering or parts thereof in any way. In case of violation, Xaver Group reserves the right to take legal action, including claims for damages and injunctive relief to enforce its rights.

7. Miscellaneous Xaver Group reserves the right to adjust these Terms of Use at any time. Should individual provisions be or become invalid, the validity of the remaining provisions shall remain unaffected. Unless otherwise agreed, these Terms of Use are subject to German law. The exclusive place of jurisdiction is Cologne, as far as legally permissible.

As of: November 2024