Terms and Conditions

1. Scope

a) The website https://myfinance.zefaj-immobilien.com is operated by Zefaj Immobilien (the “Provider”). The platform provides users with digital tools for analyzing, planning, and evaluating real estate investments.

b) These terms and conditions govern the use of the platform and all services offered through it, in the version valid at the time the contract is concluded.

c) A consumer within the meaning of these terms is any natural person who enters into the transaction for purposes that are predominantly outside their trade, business, or profession (Section 13 German Civil Code). An entrepreneur is a natural or legal person or a partnership with legal capacity acting in the exercise of their trade, business, or profession when concluding the transaction (Section 14 German Civil Code).

d) By registering and taking out a subscription, the user enters into a contractual relationship with the Provider for the use of digital products, in particular calculation, simulation, and analysis tools in the field of real estate and finance.

2. Provider's services

The Provider makes available a digital platform that serves the structured evaluation of real estate investments. The platform enables users to enter, process, and analyze financial and property-related data in order to generate forecasts and investment overviews.

The Provider reserves full creative and technical freedom regarding the structure, scope, and functionality of the platform and its content, provided this is reasonable for the user and the contractually owed scope of services is not materially restricted.

All services and results provided through the platform are based solely on the data and assumptions entered by the user. They serve informational and analytical purposes only and do not constitute legal, tax, financial, or investment advice.

The Provider does not carry out any legal, tax, architectural, or structural review of properties or investment projects. The user is solely responsible for verifying the results and, where appropriate, seeking expert advice before making any financial or investment-related decisions.

3. Conclusion of contract

The presentation of the platform and of the subscription plans offered does not constitute a legally binding offer, but rather an invitation to the user to submit an offer.

A contract is concluded as soon as the user selects a subscription and successfully completes the payment process. The Provider confirms the conclusion of the contract without undue delay by email. Access to the platform is generally granted immediately after successful confirmation of payment.

4. Subscriptions, prices, and payment

a) Use of the platform requires an active, paid subscription. The available plans, such as the “Investor Plan”, grant access to the platform's features for the duration of the term.

b) All prices are stated in euros and, for consumers, as final prices including statutory value-added tax.

c) Subscription fees are billed monthly in advance. Payment is made via the payment service providers offered.

d) The platform constitutes a digital product or digital service within the meaning of Sections 327 et seq. of the German Civil Code.

5. Term and cancellation

a) The subscription has a term of one month and automatically renews for one further month at a time. The user may cancel the subscription at any time without giving reasons, with effect from the end of the current billing month.

b) For subscriptions concluded online, the Provider provides an easily accessible cancellation button (“Cancel contracts here”) in accordance with Section 312k of the German Civil Code, through which the user can terminate the subscription directly and without unnecessary intermediate steps. Alternatively, cancellation may be declared in text form (e.g. by email to info@zefaj-immobilien.com).

c) The Provider confirms receipt and the time of termination of the contract in text form.

d) The right to extraordinary termination for good cause remains unaffected for both parties.

6. Right of withdrawal for consumers

Consumers have a statutory right of withdrawal. The following withdrawal instructions apply.

Right of withdrawal: You have the right to withdraw from this contract within fourteen days without giving any reason. The withdrawal period is fourteen days from the day on which the contract is concluded.

To exercise your right of withdrawal, you must inform us (Zefaj Immobilien – Owner Nol Zefaj, Asternstr. 10, 71034 Böblingen, email: info@zefaj-immobilien.com, phone: +49 163 1684265) by means of a clear statement (e.g. a letter sent by post or an email) of your decision to withdraw from this contract. You may use the attached model withdrawal form for this purpose, although it is not mandatory.

For contracts concluded online, we also offer you the option of declaring your withdrawal directly and electronically via our website. For this purpose, we provide an easily accessible button in the user dashboard or in the footer of our website. Use of this online withdrawal is voluntary and replaces the declaration by email or post. If you use this online function, we will promptly send you, on a durable medium (e.g. by email), an acknowledgement of receipt including information on the content of the withdrawal declaration as well as the date and time of its receipt.

To meet the withdrawal deadline, it is sufficient that you send your communication concerning the exercise of the right of withdrawal before the withdrawal period has expired.

Consequences of withdrawal: If you withdraw from this contract, we shall reimburse all payments received from you without undue delay and no later than fourteen days from the day on which we receive notification of your withdrawal from this contract. For this reimbursement, we will use the same means of payment that you used for the original transaction, unless expressly agreed otherwise with you; in no case will you be charged any fees for this reimbursement.

Early expiry of the right of withdrawal: In the case of a contract for the supply of digital content not delivered on a tangible medium, the right of withdrawal expires early if you have expressly consented to us beginning performance of the contract before the end of the withdrawal period and have confirmed your acknowledgement that you thereby lose your right of withdrawal upon commencement of performance.

Model withdrawal form: If you wish to withdraw from the contract, please complete this form and return it. — To Zefaj Immobilien – Owner Nol Zefaj, Asternstr. 10, 71034 Böblingen, email: info@zefaj-immobilien.com: — I/we (*) hereby withdraw from the contract concluded by me/us (*) for the provision of the following service (*) — Ordered on (*) / received on (*) — Name of consumer(s) — Address of consumer(s) — Signature of consumer(s) (only for notification on paper) — Date. (*) Delete as appropriate.

7. User obligations

The user undertakes to provide accurate and complete information when using the platform and to use the services exclusively within the framework of applicable law.

The user is obliged to keep their access data confidential and is responsible for all activities carried out through their account. Any misuse of the platform, in particular manipulation, unauthorized copying, or interference with its functionality, is prohibited.

8. Liability

The Provider is liable without limitation for damage arising from injury to life, body, or health, as well as for damage based on intentional or grossly negligent breach of duty by the Provider or its vicarious agents.

In the case of slightly negligent breach of a material contractual obligation (cardinal obligation), the fulfilment of which makes the proper performance of the contract possible in the first place and on whose compliance the user may regularly rely, liability is limited to the foreseeable damage typical of the contract. Otherwise, liability for slight negligence is excluded.

Liability under the German Product Liability Act and arising from any guarantee given remains unaffected.

The user is responsible for regularly backing up their own data. The Provider is liable for the loss of data only to the extent that the loss would also have occurred had the user properly backed up their data.

All digital tools and calculation models provided on the platform have been developed with the utmost care. The results are based solely on the user's inputs and assumptions; within the scope of the above liability provisions, no warranty is given for the accuracy, completeness, or reliability of the results or for decisions based on them. Users are expressly advised to perform their own calculations and, where appropriate, to consult qualified professionals before making financial decisions.

9. Intellectual property

All content, software, and functions of the platform are the property of the Provider or its licensors and are protected by applicable intellectual property law.

The user is granted a simple, non-transferable, and non-exclusive right of use for the duration of the active subscription. Any use, reproduction, or distribution beyond this is prohibited without prior written consent.

10. Data protection

Personal data is processed in accordance with the General Data Protection Regulation (GDPR) and other applicable data protection regulations. Details are set out in the Provider's privacy policy.

11. Changes to services and terms

a) The Provider may amend these terms with effect for the future, provided this is necessary for a valid reason, in particular due to a change in the legal situation, supreme court rulings, technical developments, or an expansion of the range of services, and provided the user is not thereby unreasonably disadvantaged contrary to good faith.

b) Changes will be communicated to the user in text form at least 30 days before their planned entry into force. The changes are deemed approved if the user does not object within 30 days of receiving the notification. In the notification, the Provider will specifically draw the user's attention to the right to object, the deadline, and the significance of their silence.

c) If the user objects in good time, the contract will continue under the existing terms; in this case, both parties have the right to ordinary termination as of the time the change takes effect.

d) Any change to the agreed subscription fee for existing contracts is made only in accordance with the procedure under lit. a–c and always entitles the user to cancel as of the time the price change takes effect.

12. Final provisions

a) The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). For consumers, this choice of law applies only insofar as the consumer is not thereby deprived of the protection afforded by mandatory provisions of the law of their country of residence.

b) If the user is a merchant, a legal entity under public law, or a special fund under public law, the exclusive place of jurisdiction for all disputes arising from this contract is the Provider's registered office.

c) The European Commission provides a platform for online dispute resolution (ODR): https://ec.europa.eu/consumers/odr. The Provider is neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

d) Should individual provisions of these terms be or become wholly or partially invalid, the validity of the remaining provisions shall remain unaffected. The invalid provision shall be replaced by the applicable statutory provisions.

e) These terms were originally drawn up in German. In the event of any discrepancy between the German and the English version, the German version prevails.