Terms of Service

These Terms of Service ("Terms") govern your use of arspecuniae.ltd (the "Site"), operated by Ars Pecuniae GmbH, An der Hardt 11, 53639 Königswinter, Deutschland ("we", "us", "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please discontinue use of the Site.

1. Nature of the Site

Ars Pecuniae GmbH publishes general informational and educational content relating to wealth management, investment concepts and financial planning. The Site is an editorial resource. It is not a bank, investment firm, broker, fund manager, or licensed financial advisory service.

2. No Financial Advice

Nothing published on this Site constitutes personalised financial, investment, legal, tax or accounting advice, nor a recommendation or solicitation to buy, sell or hold any security, financial instrument or asset. Content is provided for general informational purposes only and should not be relied upon as the basis for any financial decision. You should consult a qualified, independently licensed professional before making any financial, investment or tax-related decision.

3. No Paid Services

Ars Pecuniae GmbH does not offer, sell, broker or facilitate any paid product or service through this Site. We do not manage client assets, execute transactions, open accounts, or accept payments of any kind. Any contact form, email address or phone number provided on the Site is for general, informational communication only and does not establish a client, advisory or fiduciary relationship.

4. Permitted Use

You may access and read the Site for personal, non-commercial informational purposes. You agree not to:

• Reproduce, republish or redistribute substantial portions of the Site's content without prior written permission;
• Use automated systems to scrape or extract content at scale;
• Attempt to interfere with, disrupt, or gain unauthorised access to the Site or its underlying systems;
• Use the Site in any way that violates applicable law.

5. Intellectual Property

All text, graphics, logos and other original material on the Site are the property of Ars Pecuniae GmbH or its licensors and are protected by applicable copyright and trademark law, unless otherwise credited. Third-party imagery is used under applicable free-use or licensed terms.

6. Accuracy of Content

While we take reasonable care in preparing content, we make no warranty as to the completeness, accuracy, timeliness or reliability of any material on the Site. Financial markets and regulations change frequently, and information may become outdated. We may update or remove content at any time without notice.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Ars Pecuniae GmbH shall not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or reliance on, the Site or its content, including any financial loss resulting from decisions made based on published material. Nothing in these Terms limits liability that cannot be excluded under German law, including liability for wilful misconduct or gross negligence.

8. External Links

The Site may link to third-party websites for reference purposes. We do not control and are not responsible for the content, accuracy or practices of any linked third-party site.

9. Changes to These Terms

We may revise these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. The "Last updated" date above reflects the most recent revision.

10. Governing Law

These Terms are governed by the laws of the Federal Republic of Germany, without regard to conflict-of-law principles. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts in Germany, to the extent permitted by law.

11. Contact

Questions about these Terms can be sent to support@arspecuniae.ltd or by post to Ars Pecuniae GmbH, An der Hardt 11, 53639 Königswinter, Deutschland.