This is a courtesy translation. In case of doubt, the German version is authoritative.
These terms cover the Filates app only. The website is covered by the imprint and the website privacy policy.
1. Scope
The Filates app is provided by:
Alexandra Varenhold
c/o TUHH StartUp Port
Harburger Schloßstraße 6-12
21079 Hamburg
Email: app@varenhold.de
Further details are in the imprint. How we handle your data is set out in the app privacy policy.
These terms govern your use of the app and of the services it offers. The licence to the software itself is governed by Apple’s licence terms, which apply when you download the app from the App Store.
2. What Filates is, and what it is not
Filates provides financial education. The app offers exercises, explanations and a chat in which you can ask questions about your finances.
The content of the app is provided for information and educational purposes only. Please note the following:
The app is not a substitute for professional financial or investment advice. Individual financial and investment decisions require a qualified professional.
All assessments are based on your own statements and are intended as personal orientation, not as individual financial recommendations.
Decisions you make on the basis of the app’s content are your own responsibility. No liability is accepted for consequences arising from its use.
Filates provides neither investment advice nor investment broking, and is not an institution requiring authorisation under the German Banking Act or the German Securities Institutions Act. It provides no legal or tax advice either.
You additionally acknowledge this point explicitly before the chat starts. It is one of the two statements described in section 4 of the app privacy policy.
3. Who may use the app
Filates is intended for adults. The app is not offered to children or young people.
You use the app for yourself personally, on a device you own or control. Commercial use is not provided for.
4. Costs
The app is free to use. There are no subscriptions, no in-app purchases and no advertising. The costs of your device and your internet connection are yours.
5. The chat
In the chat you can ask questions about your finances and receive a personal answer.
We usually reply within 24 hours. That is not a commitment to a particular response time, and the chat is not available around the clock.
The chat is not the right place for urgent matters, nor for binding information. In those cases please turn to somewhere set up for it: a recognised debt counselling service, a tax adviser, a law firm, or a qualified financial adviser.
Please do not send other people’s personal data in the chat. Never send access credentials, PINs or TANs. We never ask for anything of that kind.
We reserve the right not to answer an individual question, or to end a conversation, where
- messages are abusive or threatening,
- content is unlawful or the app is used for unlawful purposes,
- advice we do not provide under section 2 is demanded repeatedly, or
- the app is misused, for example through spam, automated or commercial use, or appearing under someone else’s name.
Before we end a conversation, we tell you so in the chat.
6. Your messages
What you write stays yours. We process your messages solely in order to provide the chat to you, in the way the app privacy policy describes. There is no use beyond that.
7. The app’s content
The texts, exercises, graphics and design of the app are protected by copyright. You may use them for your own use. That carries no right to reproduce, distribute, resell or automatically extract them.
8. Availability and changes to the app
We make an effort to keep the app available, but cannot guarantee it continuously. Maintenance, faults and interruptions are possible.
We may change, add to or discontinue features. We provide the updates needed to keep the app in conformity with the contract, as required by § 327f of the German Civil Code. Please install them.
9. Liability
We are liable without limitation for intent and gross negligence, and for damage arising from injury to life, body or health. The same applies to claims under the German Product Liability Act.
In cases of simple negligence we are liable only for breach of an obligation whose fulfilment makes proper use of the app possible in the first place and on whose observance you may rely. In that case liability is limited to the foreseeable damage typical of this kind of contract.
Liability is otherwise excluded.
We are not liable for decisions you make on the basis of the content. See section 2.
10. Data protection
How we handle your data is set out in full in the app privacy policy. Nothing of it is repeated here.
11. Ending your use
You end your use by deleting the app from your device. The data stored locally is removed with it.
Your messages on our server can be deleted on request using your reference. Section 7 of the app privacy policy explains how.
We may end your use for good cause, in particular in the cases set out in section 5.
12. Changes to these terms of use
We may adapt these terms, for instance when the app or the legal requirements change. The version published here, bearing the date given above, is the one that applies. We announce substantial changes in the app. If you do not agree with a change, you can stop using the app at any time.
13. Final provisions
German law applies. If you use the app for private purposes, the mandatory consumer protection provisions of the country in which you are habitually resident additionally remain unaffected.
Should any provision of these terms be invalid, the remaining provisions remain effective.