Terms of Service

1. Acceptance of these terms

By accessing or using sozialfinanz.ltd (the "Website"), you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use the Website. The Website is operated by BFS SozialFinanz AG, Konrad-Adenauer-Ufer 85, 50668 Köln, Deutschland.

2. Informational purpose only

All content published on this Website — including articles, guides, and any other material — is provided strictly for general informational and educational purposes relating to the social and healthcare sector. It does not constitute individual financial, legal, tax, or investment advice.

3. No paid services

BFS SozialFinanz AG does not sell, offer, or facilitate any paid financial products, subscriptions, advisory contracts, or commercial services through this Website. Nothing on this Website should be interpreted as an offer to provide, or a solicitation for, paid financial services.

4. No professional advice

The information on this Website is not a substitute for advice from a qualified financial advisor, accountant, tax professional, or legal counsel. Before making any financial or organisational decision, you should seek guidance from an appropriately licensed professional familiar with your specific circumstances.

5. Intellectual property

Unless otherwise stated, the text, graphics, and layout of this Website are the property of BFS SozialFinanz AG and are protected by applicable copyright and intellectual property laws. You may view and share content from this Website for personal, non-commercial purposes, provided you credit the source. Reproduction for commercial purposes requires our prior written consent.

6. Acceptable use

You agree not to use the Website in any way that could damage, disable, or impair it, or interfere with any other party's use of the Website. This includes attempting to gain unauthorised access to any part of the Website or its underlying systems.

7. External links

This Website may contain links to third-party websites for reference purposes. We do not control and are not responsible for the content, accuracy, or practices of any linked third-party sites. Inclusion of a link does not imply endorsement.

8. Limitation of liability

While we take reasonable care to keep information on this Website accurate and up to date, we make no warranties, express or implied, regarding the completeness, accuracy, or reliability of any content. To the fullest extent permitted by law, BFS SozialFinanz AG shall not be liable for any loss or damage arising from reliance on information published on this Website.

9. Changes to the service

We may update, modify, or discontinue any part of the Website, including these Terms of Service, at any time. Continued use of the Website after changes are published constitutes acceptance of the revised terms.

10. Governing law

These Terms of Service are governed by the laws of the Federal Republic of Germany, without regard to conflict of law principles. Any disputes arising from the use of this Website shall be subject to the exclusive jurisdiction of the courts of Köln, Germany, to the extent permitted by law.

11. Contact

Questions about these Terms of Service can be directed to:

BFS SozialFinanz AG
Konrad-Adenauer-Ufer 85, 50668 Köln, Deutschland
Email: support@sozialfinanz.ltd
Phone: +49 221 973560