Terms of Service

1. Acceptance of Terms

By accessing or using the website at abacus-ag.org (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.

These Terms apply to all visitors and users of the Website. ABACUS Financial Services AG ("we", "us", "our") reserves the right to amend these Terms at any time. Continued use of the Website after any changes constitutes acceptance of the revised Terms.

2. Nature of the Website

The Website is operated by ABACUS Financial Services AG, a company registered in Germany, as an informational and educational resource. The Website publishes articles, guides, comparisons, and other content relating to leasing, factoring, and financing strategies for medium-sized businesses in Germany.

The Website does not constitute a financial services provider, broker, adviser, lender, or intermediary of any kind. No financial products are offered, arranged, or recommended on this Website.

3. No Financial Advice

All content published on the Website is provided strictly for informational and educational purposes only. Nothing on this Website constitutes financial, investment, legal, accounting, or tax advice, and nothing should be relied upon as such.

The content on this Website is general in nature and does not take into account your individual financial situation, objectives, or requirements. You should always seek independent professional advice from qualified and regulated professionals before making any financial or business decision.

ABACUS Financial Services AG is not regulated by the Federal Financial Supervisory Authority (BaFin) and does not hold any licence to provide financial services.

4. Intellectual Property

All content on the Website — including text, graphics, logos, icons, images, and the overall design — is the property of ABACUS Financial Services AG or its content licensors, and is protected by German and international copyright law.

You may access, read, and share links to our content for personal, non-commercial, and informational purposes. You may not:

• Reproduce, publish, or redistribute our content in whole or substantial part without prior written permission
• Use our content for commercial purposes without our express written consent
• Remove or alter any copyright, trademark, or proprietary notices
• Frame or mirror the Website without authorisation

Requests for permissions should be directed to support@abacus-ag.org.

5. Permitted Use

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of any third party or restrict or inhibit anyone else's use of the Website. Prohibited conduct includes, but is not limited to:

• Transmitting any unlawful, harmful, threatening, abusive, or offensive material
• Attempting to gain unauthorised access to the Website or its underlying systems
• Using automated tools to scrape, index, or extract data from the Website at scale without prior written consent
• Introducing viruses, trojans, or other malicious code
• Misrepresenting the source or nature of any communication

6. Third-Party Links

The Website may contain links to third-party websites for reference and convenience. These links do not constitute an endorsement of or responsibility for the content, products, or services of those sites. We have no control over third-party content and accept no liability for any loss or damage arising from your use of linked sites.

7. Disclaimer of Warranties

The Website and its content are provided "as is" and "as available", without warranties of any kind, express or implied, including but not limited to warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.

While we take reasonable care to ensure that information is accurate and up to date, we make no representation or warranty that the content is free from errors or omissions. Financial regulations, tax laws, and accounting standards change frequently; information on this Website may not reflect the most recent developments.

8. Limitation of Liability

To the maximum extent permitted by applicable law, ABACUS Financial Services AG, its directors, employees, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to use the Website or its content
• Any reliance placed on information published on the Website
• Any errors or omissions in the content
• Unauthorised access to or alteration of your transmissions or data

This limitation does not exclude liability for death or personal injury caused by our negligence, or for fraudulent misrepresentation, or any other liability that cannot be excluded under applicable German law.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany. The courts of Stuttgart, Germany, shall have exclusive jurisdiction over any disputes arising from or relating to these Terms or the use of the Website, to the extent permitted by law.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Website. The date of the most recent revision is displayed at the top of this page. We encourage you to review these Terms periodically.

11. Contact

If you have any questions about these Terms, please contact us:

ABACUS Financial Services AG
Dornhaldenstraße 5
70199 Stuttgart, Germany
Email: support@abacus-ag.org
Telephone: + 49 711 6583809-0