Terms & Conditions

§ 1 Scope and Definitions

These Terms & Conditions apply to all contracts between us and a consumer in the version valid at the time the contract is concluded. A consumer is any natural person who enters into a legal transaction for purposes that are predominantly outside their trade, business, or independent professional activity.

For users outside the European Union, these terms apply accordingly, unless mandatory consumer protection laws at the user's place of residence provide otherwise.

§ 2 Formation of Contract

(1) The following rules on contract formation apply to memberships via our website visualinvestorsclub.com.

(2) The platform usage contract is concluded with:

Toni Hofmann
Theodor-Neubauer-Str. 60
04318 Leipzig
Germany

Payment processing is handled by Polar Software, Inc. as merchant of record, which is independently responsible for payment processing, tax receipts, and refunds. The payment contract is therefore concluded between the consumer and Polar.

(3) The display of membership plans on our website does not constitute a legally binding offer by us, but a non-binding invitation for the consumer to purchase a membership.

(4) The contract is concluded through the following steps:

1. Selecting the desired membership plan
2. Registering a user account, if one does not already exist
3. Reviewing the service description and price
4. Confirming immediate performance and the associated early expiry of the withdrawal right
5. Redirecting to Polar's hosted checkout
6. Submitting the binding order in Polar checkout

We confirm receipt of the contract conclusion by automatically generated email. With this email, we accept your offer.

(5) Storage of contract text: We store the contract text and send you a link to these terms by email. You can view your active membership and billing history in your user account.

§ 3 Prices and Payment

The current prices for our membership plans are shown on the website. Payment is made via the checkout provided by Polar. The available payment methods are displayed by Polar in checkout. Polar acts as merchant of record and is responsible for payment processing and issuing tax receipts.

The membership renews automatically for the selected billing period unless it is canceled before the next billing date.

§ 4 Provision of Service

Access to the platform is enabled immediately after receipt of payment and contract confirmation. The membership grants access to the published reports and all functions associated with the membership for the duration of the applicable billing period.

§ 5 Cancellation and Contract Term

The membership can be canceled at any time effective at the end of the current billing period. Cancellation is made through the user account or by written notice to hello[at]visualinvestorsclub.com. After cancellation, access remains available until the end of the already paid period. A pro-rated refund for unused periods is not provided unless required by law.

For consumer contracts concluded online, we will provide the legally required electronic cancellation option in time before the public launch.

We reserve the right to suspend or terminate user accounts that violate these terms after reasonable prior notice.

§ 6 Consumer Withdrawal Right

Consumers have a withdrawal right as set out below, where a consumer is any natural person who enters into a legal transaction for purposes that are predominantly outside their trade, business, or independent professional activity.

Withdrawal Instructions

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 the contract is concluded.

To exercise your withdrawal right, you must inform us by means of a clear statement:

Toni Hofmann
Theodor-Neubauer-Str. 60
04318 Leipzig
Germany
Email: hello[at]visualinvestorsclub.com

You can also use the electronic withdrawal function at visualinvestorsclub.com/withdraw.

Effects of Withdrawal

If you withdraw from this contract, we must refund all payments received from you without undue delay and no later than fourteen days. The refund will use the same payment method you used for the original transaction. Reversal is handled through Polar as merchant of record.

Early Expiry of the Withdrawal Right for Digital Services

For contracts for the provision of digital services, the withdrawal right expires early if the trader begins performance of the contract after the consumer:

• expressly consented to the trader beginning performance before the withdrawal period expires, and
• confirmed that they know they lose their withdrawal right through this consent.

Consent and confirmation are given during the order process before the order is completed.

§ 7 Withdrawal Form

Model Withdrawal Form

If you wish to withdraw from the contract, please complete this form and return it.

(*) Delete as appropriate.

§ 8 Usage Restrictions

The content and reports available through Visual Investors Club may be used only for personal, non-commercial information purposes. In particular, it is prohibited to:

• access reports or content automatically by scraping
• commercially resell or redistribute content
• share login credentials with third parties
• technically bypass access restrictions

In the event of violations, we reserve the right to block access without prior notice.

§ 9 Disclaimer for Financial Information

The content published on Visual Investors Club is for informational and educational purposes only. It does not constitute investment advice, financial analysis in the regulatory sense, an investment recommendation, a solicitation to buy, sell, or hold financial instruments, or an offer within the meaning of German securities trading law.

We strive for accuracy and timeliness of the displayed data, but we do not guarantee its completeness, correctness, or currentness. The data comes from publicly available sources and may contain errors, omissions, or delays. Visual Investors Club does not assess whether an investment is suitable for any user's personal objectives, financial circumstances, or risk tolerance. Investment decisions should always be made independently, based on your own research and, where appropriate, with qualified professional advice.

For users in the United States, the following applies additionally: Visual Investors Club is not registered as an investment adviser, broker-dealer, or securities analyst firm. The content is not personalized financial planning, fiduciary advice, or a recommendation to buy, sell, hold, or subscribe for securities.

Visual Investors Club receives no compensation from companies covered in the reports or their affiliates. If future content is published where relevant conflicts of interest could influence perceived neutrality, those conflicts will be disclosed separately.

§ 10 Warranty

Statutory warranty rules apply.

§ 11 Liability

We are fully liable for damage arising from injury to life, body, or health, for damage caused by intentional or grossly negligent breach of duty, and under mandatory statutory liability rules.

In the event of slightly negligent breach of essential contractual obligations, we are liable only for the typical, foreseeable damage. Essential contractual obligations are obligations whose fulfillment makes proper performance of the contract possible in the first place and on whose compliance consumers may regularly rely. Otherwise, liability for slight negligence is excluded to the extent permitted by law.

§ 12 Consumer Dispute Resolution

We are not willing or required to participate in dispute resolution proceedings before a consumer arbitration board.

§ 13 Contract Language

The authoritative contract language is German. The English version is provided to improve understanding for international users. In case of contradictions, the German version prevails unless mandatory law provides otherwise.

§ 14 Applicable Law

The law of the Federal Republic of Germany applies, excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG). Consumers habitually resident in a member state of the European Union additionally enjoy the protection of the mandatory consumer protection rules of their country of residence.

Consumers outside the European Union retain mandatory protection rights at their place of residence to the extent those rights cannot be waived by contract.