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Terms of Use

Terms of Use of the Invesdor platform

General

We know that people tend to skip over terms of use. Nevertheless, it is important for you to know what you can expect when using the services offered on the "Invesdor" website and its domains.  

Service provider

Invesdor INV AG
Joachimsthaler Str. 30
10719 Berlin, Germany

Registered at the Berlin-Charlottenburg Local Court under HRB 165539 B

Represented by the Board Member: Christopher Grätz 

These Terms of Use describe the user relationship between you and Invesdor INV AG, which enables you to use the services of Invesdor or third parties offered on the Website.   

Generally speaking, we give you permission to use these services provided you agree to these terms of use.  

When we refer to "Invesdor", "we", "us" and "our", we mean the Invesdor Group consisting of various companies operating under the Invesdor brand and brokering various financial instruments under different regulatory regimes with the necessary regulatory permission to do so. These are Invesdor INV AG, Invesdor GE GmbH and Invesdor Brokerage GmbH each with registered offices in Berlin, Invesdor GmbH with registered offices in Vienna and Invesdor Oy and Invesdor Services Oy each with registered offices in Helsinki.  

Scope of application

The website offers various brokerage services for companies (hereinafter referred to as "companies") as well as private individuals and institutional investors (hereinafter referred to as "investors"). The offer is made via various platforms on the website or its domains. Different platforms can be operated on one domain by companies of the Invesdor Group.  

On the website, investors and companies (collectively referred to as "users") can manage the services they use and external parties such as tax advisors, corporate finance advisors, etc. can search for financing and investment solutions for their clients. External parties such as tax advisors, corporate finance consultants, etc. can search for and manage financing and investment solutions for their clients.  

We also bring our licences into partnerships or act as tied agents under the liability umbrella of licensed third parties, so that services provided by third parties are also offered on the website in addition to those provided by Invesdor. 

Invesdor acts only as a technical service provider in these cases.  

Addressees of the Services

These Terms of Use apply to the use of the website by companies seeking financing as well as to investors when searching for investment opportunities including the administration of the related processes as well as to investors when using the user account. If Users make use of one of the brokerage services offered, the relevant General Terms and Conditions (such as Investing GTC or Issue Terms and Conditions) and/or the relevant project-specific other contractual documents shall apply in addition to these Terms and Conditions of Use.  

User relationship

Interested persons are free to decide whether to use any of the services offered. Use without making use of any of the services offered is free of charge and possible without registration. Insofar as certain services, such as the possibility of a comment in the blog (Invesdor Magazine or the use of the chat function) are also possible without registration, the present terms of use apply to the use of these services.  

If interested persons decide to register, this establishes a user relationship between the users and Invesdor INV AG and these Terms of Use apply. 

Registration

The use of the full range of services of the website and the use of one of the offered mediation services requires the prior registration of users on the platform. 

Invesdor INV AG collects the data of the users in a first step during the registration process. By clicking on the submit button, the data is transmitted to Invesdor INV AG. Subsequently, users will receive a verification e-mail to the e-mail address they have provided. By clicking on the activation link, the registration process is completed after setting a password. 

For registration, users must fulfil the following requirements: 

  • Age of majority, at least 18 years of age. 

  • Unrestricted legal capacity 

  • Acting under one's own name and in one's own economic interest and not at the instigation of a third party or acting as an authorised representative of a legal person/partnership with disclosure of the beneficial owner(s) (within the meaning of the regulations on the prevention of money laundering and terrorist financing). 

The registration of legal entities/partnerships may only be carried out by persons authorised to represent them. 

For a successful registration, at least the following information must be provided: 

  • Salutation 

  • First name 

  • Last name 

  • Date of birth 

  • E-mail address 

  • Password 

  • Residence (country), if applicable 

  • Company name (after password entry and confirmation of e-mail address) 

In the case of legal entities or partnerships, the persons authorised to represent or the legal representatives must also be indicated.  

There is no entitlement to registration by Invesdor INV AG. Invesdor INV AG has the right to refuse a registration in individual cases. 

User account

The use of the mediation services offered is only possible if users have created a user account after registration and have provided the further data necessary for this completely and correctly. This additional data can be supplemented at any time after registration, but at the latest before the use of an intermediation service. 

An e-mail address and a password are required to set up a user account. Users are obliged to keep the password secret. The functions of the user account may only be used by the registered users themselves. In the event that users discover misuse of their account, they must notify Invesdor INV AG immediately. 

The information provided in the user account is not based on an individual examination of the personal circumstances of the user. Furthermore, it is a non-advisory service that expressly does not constitute investment advice by Invesdor INV AG or any other company of the Invesdor Group. 

As soon as information or documents are made available or retrievable in the user account or elsewhere on the website, users can view, download and print the documents online. 

Users must ensure that each session is closed by logging out. 

Services

After successful registration, Invesdor INV AG offers users the following free services in addition to the brokerage services offered by Invesdor via the respective user account: 

  • Login  

  • Maintenance of master data 

  • Password management 

  • Viewing documents in the "My Documents" area 

  • Storage of all contract documents in the "My Documents" area 

  • Management of newsletters and special product information 

  • Portfolio overview of all investments made 

  • Possibility of using mediation services offered  

  • Filing of updates and notifications of projects e.g. regular reporting 

  • Technical support (e.g. in the form of e-mail, telephone or chat)  

Confidentiality and data protection

Users must provide the complete and correct data required for registration and/or creation of a user account and update this data in the event of changes. Invesdor INV AG can make the admission of individual users dependent on suitable proof of identity, insofar as this is justified in the specific case with regard to the interests of the users that are worthy of protection. 

The collection, use and processing of users' data is carried out exclusively within the framework of Invesdor's privacy policy. 

Companies that provide financing via the website or the respective brokerage platforms sometimes provide registered users and investors with sensitive company-related data and information. Users and investors are obliged to maintain confidentiality with regard to this data and information. Users and applicants are not permitted to pass on the data and information made available to them to third parties, to reproduce it or to publish it in any way. 

Content generated by Users

Within the user account, users have the option of storing various personal and company-related data in the system. 

The following personal data can be entered: 

Salutation, title, surname, first name, marital status, date of birth, country of birth, place of birth, nationality, status as politically exposed person, address, telephone number, e-mail address, education, financial knowledge, type of employment, tax residency, tax identification number, account data 

The following company-related data can be entered: 

Basic information on the company, sector name, economic sector, head office, number of employees, year of foundation, company phase, brief description of the company, financial situation of the company, financing period, purpose of financing, information on the financing project, company name, address, legal form, homepage, telephone number, e-mail address, information on the commercial register/company register, legal representatives of the company, beneficial owners of the company, tax information of the legal representatives, tax information of the beneficial owners, FATCA, liquidity reserve of the company, information on the company turnover and business result, balance sheet total, total liabilities 

Furthermore, within the scope of the respective financing project, further information on the respective company and its business activities can be displayed on the respective brokerage platforms in coordination with the company.  

Users have the possibility to prove their identity to Invesdor (legitimation). During the process of legitimation of the users, a transition to the legitimation procedure takes place through the external service providers: Deutsche Post AG, Lionsware GmbH, SCHUFA Holding AG, AUTHADA GmbH, CRIF GmbH and Signicat GmbH. After the legitimation process has been carried out by external service providers, the data collected during the legitimation process is transferred to Invesdor. 

The aforementioned personal and company-related information is used exclusively to enable the use of the services offered on the website.  More detailed information on the use and processing of personal data can be found in the data protection declaration.  

In addition, users and non-registered, interested visitors to the website have the opportunity to publish their own comments in the Invesdor blog (Invesdor Magazine) set up on the website. Users must provide their e-mail address and name. The e-mail will not be published. If the users are not registered users, these terms of use also apply to the use of the Invesdor blog commentary functions.  

Users who post content must observe and respect the applicable laws and the rights of third parties. In particular, insulting and personality-injurious content, anti-constitutional statements or symbols, racist depictions, incitement to commit criminal offences, sexist and other discriminatory depictions, content that violates the property rights of third parties (e.g. copyrights or trademark rights), pornographic content, content glorifying violence and exaggerated and unobjective criticism as well as links or references to such content are not permitted. 

Invesdor INV AG reserves the right to review content prior to publication and, if necessary, not to approve it, as well as to block or delete content that has already been published if it contravenes statutory provisions, the aforementioned rules or the rights of third parties. 

Invesdor INV AG is granted by the users the free of charge, spatially and temporally unlimited, non-exclusive and at any time revocable right to make the contents published by the users publicly accessible via the Internet within the scope of the purpose of the contract. 

Users may only publish content for which they have the necessary rights. This applies in particular to copyrights and ancillary copyrights, trademark rights and personal rights of depicted persons. Users are solely liable internally to Invesdor INV AG for violations of rights for which they are responsible and the consequences thereof. Users must indemnify Invesdor INV AG from justified claims asserted by third parties against Invesdor INV AG due to such violations, if Invesdor INV AG is responsible for such violations. 

Availability

Invesdor INV AG is free to discontinue, restrict or change the Internet presence or individual services temporarily or permanently, for example for technical or legal reasons. Invesdor INV AG will inform the user about upcoming changes and settings as far as possible in advance. 

Invesdor INV AG endeavours to provide users with comprehensive availability. However, there is no claim to availability. In particular, maintenance, further development or events that could have an impact on data security may lead to a temporary suspension of the availability of the Internet presence and the possibility of using the user account. 

Events beyond the control of Invesdor INV AG (e.g. power failures, failures of the telecommunication network or defects in data transmission by third parties) may also lead to a temporary suspension of the availability of the Internet presence and the possibility to use the user account. If maintenance work is carried out that leads to a restriction in the availability of the website and the associated services, this will be indicated to users when they access the website. 

Liability

Any liability of Invesdor INV AG for damages of the users is excluded. The exclusion of liability does not apply in case of intent or gross negligence of Invesdor INV AG or its respective vicarious agents. In case of breach of material contractual obligations, Invesdor INV AG is liable for any negligence, but limited to typical and foreseeable damages. Material to the contract is any obligation that makes the proper performance of the contract possible in the first place and the non-performance of which would jeopardize the achievement of the purpose of the contract. The above limitations of liability do not apply in cases of liability for personal injury. 

Changes to the Platform Terms of Use 

Invesdor INV AG reserves the right to amend these Terms of Use at any time. Amendments to the Terms of Use as well as the introduction of additional terms and conditions (hereinafter uniformly referred to as "Amendments") will be communicated to the Users in advance by e-mail within a reasonable period of time. This email will contain a description of our changes, the date of their implementation and a notice that users are entitled to terminate their contract with us if the impairment is more than minor. This does not include urgent cases where the changes are made to prevent misuse or damage, to respond to legal requirements or to ensure the security and functionality of the services. 

The consent of the Users to the modifications is deemed to be granted if the Users do not object in whole or in part in writing (addressed to Invesdor INV AG or by e-mail to info@invesdor.de) before the proposed date of entry into force of the modifications. Invesdor INV AG will make specific reference to this approval effect upon transmission of the changes. 

If Users object to any changes, Invesdor INV AG is entitled to terminate the User Agreement with Users with effect from the day on which the changes come into force. With respect to consumers, changes to the terms and conditions of use are generally only valid after the express consent of the users. In the absence of such consent, Invesdor is entitled to terminate the User Agreement with effect from the day on which the amendment enters into force.  

Termination

The user relationship shall run for an indefinite period. 

The user relationship may be terminated at any time by either party with two weeks' notice to the end of the month in text form (e.g. by e-mail). 

The right of mutual extraordinary termination for good cause remains unaffected. 

In the event of termination, the user account will be closed and all deposited data will be deleted, provided that this is legally permissible and there are no retention obligations on the part of Invesdor INV AG or any other company of the Invesdor Group.  

The termination of the user relationship between the User and Invesdor INV AG does not affect the validity of any contracts concluded with Invesdor INV AG, other companies of the Invesdor Group or third parties within the scope of the intermediation services. 

Final provisions

Should any provision of the Terms of Use be invalid, the remaining provisions shall remain valid. 

The law of the Federal Republic of Germany shall apply to the exclusion of the conflict of laws rules of the EGBGB and the provisions of the UN Convention on Contracts for the International Sale of Goods (CISG). The choice of law does not apply insofar as mandatory consumer protection provisions of the EU member state whose law would be applicable without a choice of law would offer the user (insofar as the user is a consumer) a scope of protection exceeding the consumer protection provisions of the Federal Republic of Germany. 

If there is no exclusive legal place of jurisdiction, the exclusive place of jurisdiction for all disputes arising from or in connection with the contractual relationship shall be Berlin, provided that the user is a merchant, a legal entity under public law or a special fund under public law or does not have a general place of jurisdiction in Germany or another EU member state or has transferred his (residential) registered office to a non-EU country after these Platform Terms of Use for Business Users came into effect. 

Do you have any further questions?

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Contact

Give us a call or send us a message:
Email: service@invesdor.com
Phone: +49 30 364 285 707

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Your contact person

Marko Müller

Senior Customer Success Manager

DE | EN

Your contact person

Sebastian Kutschker

Customer Support

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