Terms and Conditions (AGB)

Section 1 Scope

(1) These Terms and Conditions (T&C) apply to the use of the website https://gripresearch.fi and the user accounts and functions offered through it, by the operator ([FIRST AND LAST NAME], [STREET AND HOUSE NUMBER], [POSTAL CODE CITY] — the "Operator").

(2) They apply vis-à-vis consumers within the meaning of Section 13 BGB and entrepreneurs within the meaning of Section 14 BGB. Differing terms of the user do not apply unless the Operator expressly agrees to them in writing.

(3) Clarification on the purchase of content: The purchase of paid reports and subscriptions is processed via Paddle as merchant of record. The respective purchase contract for the paid content is concluded exclusively between the buyer and Paddle — not between the buyer and the Operator. Paddle is the seller and contracting party of the purchase. These T&C therefore govern only the relationship between the Operator and the user regarding the website and user account and the usage licence for the content; Paddle's own terms apply to the purchase itself ([PADDLE BUYER TERMS URL]). This clarification is pointed out separately at the point of purchase.

Section 2 Content and use of the service

(1) The Operator publishes researched content (the "reports") on crypto-assets and related topics. The content serves information and education only.

(2) The content does not constitute investment advice, an investment recommendation or individual advice, and is not tailored to the personal circumstances of any user. It does not create an advisory relationship and is not a solicitation to buy, sell or hold crypto-assets.

Section 3 User account

(1) A user account is required for access to paid content. Login uses an e-mail address and password. The user may reset their password at any time via the "forgot password" function.

(2) The user must provide correct and complete information during registration and keep the access data (in particular the password and access to their e-mail account) confidential. The account is non-transferable and may not be shared with third parties.

(3) The user is responsible for all activities carried out through their account to the extent they are attributable to them.

(4) The Operator may temporarily block or immediately close the user account in the event of suspected misuse, breaches of these T&C or unlawful use. The user's statutory rights remain unaffected.

Section 4 Content licence and rights of use

(1) The Operator grants the user a simple, non-transferable and non-sublicensable right of use to the reports accessible via the website, for the user's personal, own use only.

(2) In particular, the following are not permitted: reproduction, distribution, making available to the public, passing on to third parties, resale, uploading to platforms or archives, and commercial use of the content — in each case without the prior express written consent of the Operator. Statutory permissible use (e.g. private copying under Section 53 UrhG) and non-waivable statutory rights are excluded from this restriction.

(3) All copyright and other protective rights in the content remain with the Operator or its licensors.

Section 5 Subscription

(1) The Operator offers a subscription for access to the reports. The prices shown in checkout (currently USD 10.00 per month) are final prices; billing and collection are carried out by Paddle under the purchase contract with Paddle.

(2) The subscription renews automatically for one further billing period until cancelled. Access exists for the duration of the paid billing period.

(3) Cancellation, payment processing, invoicing and refunds are administered by Paddle and are governed by Paddle's terms and Paddle's self-service area ([PADDLE BUYER TERMS URL] / Paddle customer account). The user may cancel the subscription through the means provided by Paddle.

(4) Due to the particular nature of digital content, access may lapse for the period already billed after exercise of the withdrawal right; details are set out in the withdrawal notice (separate "Widerruf / Withdrawal" page).

Section 6 Single reports

(1) Individual reports may be purchased as one-off purchases at the price shown in checkout (currently USD 20.00 per report). This purchase too is concluded with Paddle as seller (see Section 1(3)).

(2) After a successful purchase, the single report is assigned to the user account and made accessible for the period of use stated in the product description. No physical media are shipped.

Section 7 Availability

(1) The Operator endeavours to keep the website available with as few interruptions as possible. Uninterrupted or error-free availability is not owed; maintenance work, technical faults and measures outside the Operator's control (e.g. hosting provider outages, force majeure) may lead to temporary restrictions.

(2) The Operator is entitled to further develop the service, change content or discontinue individual functions, insofar as this is reasonable for the user and purchased access is preserved for the paid period.

Section 8 Prices and payment

(1) The prices shown in Paddle's order process apply, in the currency displayed there. Any currency conversions are carried out by Paddle.

(2) No VAT is charged (small-business rule under Section 19 UStG). Price indications for consumers are final prices.

(3) Payment processing, including all payment methods, is carried out exclusively via Paddle.

Section 9 Liability

(1) The Operator is liable without limitation for intent and gross negligence and for injury to life, body or health.

(2) For simple negligence, the Operator is liable only for breach of a material contractual obligation (cardinal obligation) and limited to the foreseeable damage typical for the contract.

(3) Liability under the Product Liability Act and otherwise mandatory statutory liability provisions remains unaffected.

(4) Beyond the foregoing liability, no warranty is given for the substantive accuracy, completeness or topicality of the published reports or for economic decisions the user makes on their basis. The content does not constitute investment advice (see Section 2).

Section 10 Blocking and termination for good cause

The Operator may terminate the usage relationship for good cause without notice, in particular in the event of significant breaches of these T&C, misuse or passing on content contrary to Section 4. The user may close their user account at any time; ongoing payment obligations towards Paddle remain unaffected.

Section 11 Changes to the T&C

(1) The Operator may change these T&C with effect for the future insofar as this is necessary for a valid reason (e.g. changes in the legal situation or the service).

(2) Changes will be communicated to the user in good time in text form. If the user does not object within [PERIOD] after notification, the changes are deemed accepted. The notification will specifically point out the right to object and the consequences of silence.

Section 12 Final provisions

(1) German law applies to contracts between the Operator and the user. Vis-à-vis consumers, this choice of law applies only insofar as it does not deprive them of the protection granted by mandatory provisions of the law of their habitual residence (Art. 6 Rome I Regulation). Mandatory consumer protection provisions remain unaffected.

(2) If the user is a merchant, a legal entity under public law or a special fund under public law, the exclusive place of jurisdiction is [PLACE OF JURISDICTION]. Otherwise, the statutory jurisdiction rules apply.

(3) Should individual provisions of these T&C be or become invalid, the validity of the remaining provisions remains unaffected. The statutory provision takes the place of the invalid provision.

(4) Consumer dispute resolution: the Operator is neither obliged nor willing to participate in dispute settlement proceedings before a consumer arbitration body (Section 36 VSBG).

(5) These T&C are drafted in German. Any translation serves information purposes only; the German version is authoritative, insofar as no mandatory consumer protection provisions conflict with this.

Status: [DATE]