Terms and Conditions

2.1 Legal Compliance

You agree to use our services in compliance with all applicable laws, regulations, and ordinances, including but not limited to:

• • Local, state, federal, and international laws governing online conduct and content
• • Data protection regulations including GDPR and German privacy laws
• • Financial services regulations and consumer protection laws
• • Intellectual property rights and copyright laws

2.2 Prohibited Conduct

Users are expressly prohibited from engaging in any of the following activities:

• • Using our services for any unlawful purpose or to solicit illegal activity
• • Attempting to interfere with, compromise, or disrupt our website's integrity or security
• • Transmitting viruses, malware, or any other malicious code
• • Engaging in data mining, scraping, or automated data collection without permission
• • Impersonating any person or entity or falsely stating affiliation with any organization
• • Harassing, threatening, or causing distress to other users or our staff
• • Circumventing any access restrictions or security measures

2.3 Content Submission Guidelines

When submitting content through our contact forms or other communication channels, you warrant that:

• • All information provided is accurate, current, and complete
• • You have the legal right to share any personal or financial information submitted
• • Your communications do not violate any third-party rights or applicable laws
• • You will not submit false, misleading, or defamatory content

2.4 Age Requirements

Our services are intended for individuals who are 18 years of age or older. By using our services, you represent and warrant that you meet this age requirement. If you are under 18, you may only use our services with the involvement and consent of a parent or legal guardian.

2.5 Account Security

You are responsible for maintaining the confidentiality of any credentials associated with your use of our services. You must immediately notify us of any unauthorized use of your account or any other breach of security.

4.1 Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, Quorum Index disclaims all warranties, including but not limited to:

• • Implied warranties of merchantability and fitness for a particular purpose
• • Warranties regarding accuracy, reliability, or completeness of content
• • Warranties that our services will be uninterrupted, timely, or error-free
• • Warranties regarding the results obtained from using our services

4.2 No Financial Advice

The information and analysis provided through our services are for informational purposes only and do not constitute financial, investment, tax, or legal advice. Our analytical services examine financial structures but do not provide recommendations regarding specific financial decisions. You should consult with licensed professionals before making any financial, investment, or legal decisions.

4.3 Limitation of Liability

To the maximum extent permitted by applicable law, Quorum Index shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• • Your access to, use of, or inability to access or use our services
• • Any conduct or content of third parties on our website
• • Any content obtained from our services
• • Unauthorized access, use, or alteration of your transmissions or content

Our total liability for any claims arising from or relating to these terms or our services shall not exceed the amount you have paid to us for services in the six months preceding the claim.

4.4 Exclusion of Consequential Damages

In no event shall Quorum Index be liable for any consequential, exemplary, incidental, or punitive damages, including lost profits, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages, so some of the above limitations may not apply to you.

7.1 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods shall not apply.

7.2 Jurisdiction and Venue

Any legal action or proceeding arising from or relating to these Terms and Conditions shall be brought exclusively in the courts located in Düsseldorf, Germany. You consent to the personal jurisdiction of such courts and waive any objection to venue in such courts.

7.3 Informal Resolution

Before initiating any formal legal proceedings, we encourage you to contact us to seek an informal resolution of any dispute. Many disputes can be resolved through good-faith communication and cooperation.

8.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy, Cookie Policy, and any other legal notices published by us, constitute the entire agreement between you and Quorum Index concerning your use of our services and supersede all prior agreements and understandings.

8.2 Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall continue in full force and effect.

8.3 Waiver

No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision.

8.4 Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights and obligations under these terms without restriction. Any attempted assignment in violation of this provision shall be null and void.

8.5 No Third-Party Beneficiaries

These Terms and Conditions are for the benefit of, and are enforceable by, the parties hereto and their respective successors and permitted assigns. Nothing in these terms, express or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit, or remedy of any nature.

8.6 Modification of Terms

We reserve the right to modify these Terms and Conditions at any time. We will provide notice of material changes by posting the updated terms on our website with a new "Last Updated" date or by sending you an email notification. Your continued use of our services following such notification constitutes acceptance of the modified terms.

8.7 Survival

Provisions of these Terms and Conditions that by their nature should survive termination shall survive, including but not limited to provisions relating to intellectual property, disclaimers, indemnification, and limitations of liability.