1. Acceptance of Terms

By accessing and using the services provided by Postkana ("we," "us," or "our"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our services.

2. Description of Services

Postkana provides financial advisory and consulting services, including but not limited to financial planning, investment management, retirement planning, and tax strategy. The specific services provided will be outlined in individual service agreements.

3. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information necessary for us to provide our services
• Update us promptly of any changes in your financial situation or objectives
• Review all recommendations and documents carefully
• Make your own independent decisions regarding financial matters
• Pay all fees and charges as agreed upon in your service agreement

4. Professional Standards

We are committed to providing professional services in accordance with applicable laws, regulations, and industry standards. Our advisors maintain appropriate certifications and licenses as required by law.

5. Fees and Payment

Fee structures vary depending on the services provided and will be clearly outlined in your service agreement. Payment terms will be established at the commencement of our relationship. We reserve the right to adjust our fees with appropriate notice.

6. Confidentiality

We maintain strict confidentiality regarding all client information, except as required by law or with your explicit consent. This confidentiality continues even after the termination of our professional relationship.

7. Disclaimer of Warranties

While we strive to provide accurate and reliable advice, we cannot guarantee specific financial outcomes. Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal.

8. Limitation of Liability

Our liability for any claims arising from our services is limited to the fees paid for those specific services. We are not liable for indirect, consequential, or special damages arising from the use of our services.

9. Termination

Either party may terminate the service agreement with written notice. Upon termination, you are responsible for payment of services rendered up to the termination date. We will assist with the transition of your accounts and information as appropriate.

10. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Postkana and is protected by copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

11. Third-Party Services

We may recommend third-party services or products. We are not responsible for the performance or quality of these third-party offerings. Any relationships you establish with third parties are solely between you and them.

12. Disputes and Governing Law

These terms are governed by the laws of Germany. Any disputes arising from these terms or our services shall be resolved through arbitration in Berlin, Germany, except where prohibited by law.

13. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

14. Regulatory Compliance

We are committed to compliance with all applicable financial services regulations. Our services are provided in accordance with German and European Union financial regulations.

15. Contact Information

For questions regarding these terms of service, please contact us:

Email: legal@postkana.com
Address: Blankenburger Str. 18, 13089 Berlin, Germany
Phone: +49 30 77207851