Terms of Service
Trading crypto assets involves a high level of risk, including the possible loss of your entire capital. Please read these Terms together with our Risk Disclosure before using the platform.
1. About these Terms
These Terms of Service ("Terms") govern your access to and use of the Vermögensaufbau website, dashboard, automated trading tools and related services (together, the "Platform"). The Platform is operated by Vermögensaufbau ("we", "us", "our"), with a registered address at High Holborn 188, EC3M 4AJ Edinburgh, United Kingdom. By creating an account or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.
2. Eligibility
You may use the Platform only if you are at least 18 years old, have the legal capacity to enter into a binding contract, and are not prohibited from using financial or digital-asset services under the laws of the United Kingdom or any other jurisdiction that applies to you. You must provide accurate information when registering and keep it up to date.
3. Account security
You are responsible for maintaining the confidentiality of your login credentials, two-factor authentication devices and any connected third-party accounts. You must notify us without delay if you suspect unauthorised access. We are not liable for losses arising from your failure to protect your credentials.
4. Nature of the Platform
The Platform provides software tools, market information, portfolio dashboards and automated order functions. Unless we expressly state otherwise in writing, the Platform does not provide personalised investment advice, and nothing on it is a recommendation to buy, sell or hold any asset. Automated functions act on settings you choose or accept. You remain responsible for those settings and for any decisions you make.
5. Risk acknowledgement
Crypto assets are volatile and may lose value rapidly. Automated strategies can incur losses, including during periods of high volatility, system outages or unexpected market conditions. Past performance, backtests and illustrative calculations, including any figures shown in our calculator, are not reliable indicators of future results and do not guarantee any return. You accept these risks in full, as further described in our Risk Disclosure.
6. Fees
Any fees, spreads, network charges or third-party costs applicable to your use of the Platform will be displayed before you confirm a transaction or subscription. We may change our fees by giving you reasonable advance notice. Fees are generally non-refundable except where required by law.
7. Acceptable use
You must not use the Platform to breach any law, to launder money, to finance terrorism, to manipulate markets, or to interfere with the security or availability of the Platform. You must not attempt to access accounts, data or systems that do not belong to you, reverse engineer our software, or scrape content without written permission.
8. Intellectual property
All content on the Platform, including text, graphics, software, trademarks and the Vermögensaufbau name and logo, is owned by us or our licensors and is protected by applicable intellectual property laws. We grant you a limited, non-exclusive, non-transferable licence to use the Platform for your personal, lawful purposes. All other rights are reserved.
9. Third-party services
The Platform may rely on or link to third-party exchanges, wallets, data providers and payment processors. We do not control those services and are not responsible for their availability, pricing, security or conduct. Your use of them is subject to their own terms.
10. Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, consequential or special losses, loss of profits, loss of opportunity, or trading losses arising from your use of the Platform. Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited under English, Scottish or Northern Irish law. If you are a consumer, your statutory rights under the Consumer Rights Act 2015 are not affected.
11. Suspension and termination
We may suspend or terminate your access where we reasonably believe you have breached these Terms, where required by law or a regulator, or where necessary to protect the Platform or other users. You may close your account at any time by contacting us. Clauses that by their nature should survive termination will continue to apply after your account closes.
12. Changes to these Terms
We may update these Terms from time to time to reflect changes in our services or legal requirements. We will publish the revised version on this page and update the "last updated" date. Where a change is material, we will provide notice through the Platform or by email. Continued use after the effective date constitutes acceptance of the revised Terms.
13. Governing law and disputes
These Terms are governed by the laws of the United Kingdom. Courts of the part of the United Kingdom in which you live have jurisdiction over consumer disputes. We encourage you to contact us first so that we can try to resolve any complaint informally.
14. Contact
If you have questions about these Terms, please contact us at [email protected] or by telephone at +44 20 7946 2839.