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Terms of Service

Last Updated: 2026-01-24

1. Acceptance of Terms

By accessing and using Finanz Kompass ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Service Description

Finanz Kompass is a financial calculation tool designed to help users estimate mortgage payments, compare financing options, and plan their property purchases. The calculations provided are for informational purposes only and should not be considered financial advice.

3. User Accounts

To access certain features, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate information and to update it as necessary.

4. Subscriptions and Payments

The Service offers both free and paid subscription tiers. Paid subscriptions are billed annually. You may cancel your subscription at any time, but refunds are not provided for partial subscription periods. During a grace period after expiration, you retain read-only access to your synced data.

5. Financial Disclaimer

The calculations and information provided by Finanz Kompass are estimates and should not be relied upon as financial, legal, or investment advice. We strongly recommend consulting with qualified financial advisors before making any financial decisions. Interest rates, tax regulations, and market conditions may change.

6. Limitation of Liability

Finanz Kompass and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Service. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

7. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service will immediately cease.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Germany, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Germany.

9. Contact Information

If you have any questions about these Terms of Service, please contact us at contact@finanzkompass.app.