General terms and conditions

These General Terms and Conditions (GTC) apply to all contracts between BeAFox UG (limited liability), Siemensweg 2, 93073 Neutraubling (hereinafter "BeAFox") and its customers regarding the use of the BeAFox app and related services.

BeAFox provides a mobile learning app for financial education. The app enables users to gain and deepen financial knowledge in a playful way. Additional services such as workshops, monitoring dashboards, and certificates are offered for educational institutions and companies.

The contract is concluded by BeAFox accepting the offer. Acceptance may be in writing, by email, or by using the app. For in-app purchases via app stores (Apple App Store, Google Play Store), the payment contract is concluded exclusively with the respective app store operator. BeAFox only provides the content.

Right of withdrawal

Consumers have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period is 14 days from the day the contract is concluded.

Expiry of the right of withdrawal

The right of withdrawal expires early if BeAFox has begun to perform the service and the consumer has expressly agreed that BeAFox may begin performance before the end of the withdrawal period and has acknowledged that the right of withdrawal is lost once BeAFox has fully performed the service.

Withdrawal instructions

To exercise the right of withdrawal, you must inform us (BeAFox UG (limited liability), Siemensweg 2, 93073 Neutraubling, email: info@beafox.app) of your decision to withdraw from this contract by means of a clear statement (e.g., a letter sent by post, fax, or email).

Consequences of withdrawal

If you withdraw from this contract, we shall reimburse all payments received from you without undue delay and at the latest within 14 days from the day on which we receive notice of your withdrawal from this contract.

BeAFox undertakes to provide the agreed services carefully and to the best of its knowledge and belief. The exact scope of services results from the respective contractual offer.

Changes to functions

BeAFox reserves the right to change, extend, or remove app functions. Users will be informed about material changes. There is no entitlement to specific functions.

Availability

BeAFox strives to ensure high availability. Maintenance work, further development, or technical issues may temporarily restrict access. There is no entitlement to uninterrupted availability at all times. Maintenance windows will be announced in advance where possible.

Updates

Users are obliged to install available app updates to ensure functionality and security. Older versions of the app may no longer be supported.

Prices are stated in euros plus statutory VAT. Payment is made as agreed in the contract. In the event of late payment, default interest of 9 percentage points above the base interest rate will be charged.

App store payments

For in-app purchases, payment processing is handled via the respective app store (Apple App Store or Google Play Store). The purchase contract for payment is concluded exclusively with the app store operator. BeAFox only receives confirmations of successful payments and no payment data.

Terms and renewal

Subscriptions renew automatically for the agreed term unless cancelled in due time. The notice period is one month to the end of the term.

The customer is granted a simple, non-transferable, non-exclusive right to use the app for the agreed purpose. Passing on access credentials to third parties is not permitted.

Restrictions

Use of the app is permitted only for the agreed purpose. Commercial use of the content, copying, reproducing, or distributing content is not permitted without BeAFox’s written consent.

Personal data is processed in accordance with the General Data Protection Regulation (GDPR) and the German Telecommunications and Telemedia Data Protection Act (TTDSG).

Privacy policy

The privacy policy applies at: https://beafox.app/datenschutz

Data processing agreement

For educational institutions and companies, a data processing agreement (DPA) in accordance with Art. 28 GDPR may be required. This will be concluded separately if needed.

Data deletion

After termination of the contractual relationship, personal data will be deleted unless statutory retention obligations prevent this.

Update obligation

BeAFox is obliged to keep digital content up to date in accordance with § 327f German Civil Code (BGB) and to provide necessary updates. Users must install available updates to ensure functionality.

Defect rights

In the event of defects in digital content, statutory provisions apply. BeAFox endeavors to remedy defects without undue delay. There is no entitlement to specific functions or content unless expressly agreed.

No guarantee

BeAFox does not guarantee completeness, accuracy, or timeliness of the information provided. The content serves general education and does not constitute individual advice.

All app content (texts, illustrations, graphics, design, logic, software) is protected by copyright and is the property of BeAFox or its licensors. Reproduction, publication, distribution, or commercial use is not permitted without written consent.

Prohibited actions

In particular, it is prohibited to: use screenshots or content for commercial purposes, copy or reverse engineer the app, share access credentials, use automated systems to use the app, or manipulate the app.

Legal consequences

In case of violations, BeAFox reserves the right to block access and take legal action.

Permitted user group

Use of the app is permitted only for the organization’s own employees, pupils/students, or apprentices. Transfer to third parties is not permitted.

Minimum user counts

Agreed minimum user counts or license scopes must be adhered to. Exceeding them requires an adjustment of the contract.

Youth protection

When used by minors, compliance with legal requirements must be ensured. For users under 16 years of age, consent of a parent/guardian is required.

Responsibility for access data

The contractual partner is responsible for secure administration and distribution of access data. In case of loss or misuse, BeAFox must be informed without delay.

Compliance with terms

The contractual partner ensures that all users comply with these terms and conditions.

The content provided by BeAFox does not constitute investment advice, tax advice, financial advice, or legal advice. It serves solely general education and knowledge transfer.

Personal responsibility

Decisions about investments, insurance, tax topics, or other financial decisions are made by the user at their own responsibility. BeAFox assumes no liability for economic decisions users make based on the content provided.

No recommendations

The content contains no recommendations for specific financial products or investment strategies. BeAFox is independent and neutral.

Liability for intent and gross negligence

BeAFox is liable without limitation for intent and gross negligence.

Liability for slight negligence

In cases of slight negligence, BeAFox is liable only for breach of an essential contractual obligation whose fulfillment is necessary for proper performance of the contract. Liability is limited to the foreseeable damage typical for the contract at the time of conclusion.

Exclusion of liability

BeAFox is not liable for data loss unless caused by intent or gross negligence. Liability for economic decisions users make based on the app content is excluded. Liability for slight negligence is excluded in cases of injury to life, body, or health.

Liability for third parties

BeAFox is not liable for actions of third parties, in particular app store operators or other service providers.

Termination by consumers

Consumers may terminate subscriptions at any time with one month’s notice to the end of the term. Termination must be in writing or by email to info@beafox.app.

Termination by companies and educational institutions

For companies and educational institutions, the terms and notice periods agreed in the contract apply. Typically, the notice period is three months to the end of the term unless agreed otherwise.

Extraordinary termination

The right to extraordinary termination for good cause remains unaffected. Good cause exists in particular in the event of serious breaches of these terms or payment default of more than two months.

Consequences of termination

After termination, access to the app ends at the end of the term. Services already provided will not be refunded proportionally unless there is a good cause for termination.

Support channels

BeAFox provides support via email (info@beafox.app) and within the app. Support hours are weekdays from 9:00 to 17:00.

Response time

BeAFox strives to process inquiries quickly but does not guarantee a specific response time. There is no entitlement to an immediate reply.

Scope of support

Support covers technical questions regarding use of the app and general inquiries. Individual consulting or trainings are not included in standard support and may be booked separately.

Workshops

Workshops are carried out by agreement. Travel costs, material costs, and, if applicable, accommodation costs are charged separately unless agreed otherwise.

Cancellation rules

If a workshop is cancelled by BeAFox, an alternative date will be offered or the fee already paid will be refunded. If cancelled by the customer, the agreed cancellation terms apply.

Cancellation policy

Workshop cancellations must be made at least 14 days before the scheduled date to receive a full refund. Later cancellations may incur cancellation fees.

Certificates and materials

Certificates and physical materials are provided by agreement. Costs are stated in the respective offer.

Right to amend

BeAFox reserves the right to adapt these terms so they always comply with current legal requirements or reflect changes to services.

Notification

Users will be informed about material changes to these terms at least two months before they take effect. Notification is provided by email or via the app.

Consent

Silence does not constitute consent. If the user does not agree to the amended terms, they may terminate the contract before the changes take effect. Continued use of the app after the changes take effect is deemed consent.

Objection

If the user does not object to the changes within six weeks after notification, the changes are deemed approved. BeAFox will point out this legal consequence in the notification.

BeAFox is entitled to transfer rights and obligations from this contract in whole or in part to a legal successor or third parties, provided this is reasonable for the customer. The customer will be informed about such transfer.

Applicable law

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG) and conflict-of-law rules.

Place of jurisdiction

The place of jurisdiction for all disputes arising from this contract is BeAFox’s registered office (Regensburg), provided the customer is a merchant, a legal entity under public law, or a special fund under public law. For consumers, statutory rules on jurisdiction apply.

Severability clause

Should individual provisions of these terms be or become invalid, the validity of the remaining provisions remains unaffected. The invalid provision will be replaced by a valid one that comes closest to the economic purpose.

Language

These terms are written in German. Translations are provided for information only. The German version is authoritative.