Terms of Service

1. Acceptance of terms

These Terms of Service ("Terms") govern your access to and use of myntro.org (the "Website"), operated by Myntro Collect GmbH, Lloydstraße 4, 28217 Bremen, Deutschland ("we", "us", "our"). By using the Website, you confirm that you accept these Terms.

2. Purpose of this website

The Website provides general, informational content related to credit management and financial planning topics. It is intended to help visitors better understand general concepts and is not directed at any specific individual's circumstances.

3. No financial or legal advice

Content on this Website is provided for general informational purposes only and does not constitute financial, legal, tax, or other professional advice. You should not rely on any content here as a substitute for advice from a qualified, licensed professional who is familiar with your individual circumstances. We recommend consulting a licensed financial advisor, lawyer, or public consumer-advice centre (such as a Verbraucherzentrale) before making financial decisions.

4. No paid services

Myntro Collect GmbH does not sell products, extend credit, collect debts, manage funds, or charge fees through this Website. Any future paid offering, should one exist, would be described separately and would not be governed by general informational content found on these pages.

5. Permitted use

You may access and use the Website for lawful, personal, non-commercial purposes. You agree not to misuse the Website, including by attempting to gain unauthorised access to our systems, interfering with the Website's operation, or using automated means to scrape content without permission.

6. Intellectual property

All text, graphics, logos, and other materials on this Website, excluding third-party imagery used under applicable licences, are owned by or licensed to Myntro Collect GmbH and are protected by copyright and other intellectual property laws. You may not reproduce or redistribute this content without our prior written consent, except for personal, non-commercial reference.

7. Third-party links

The Website may contain links to third-party websites, such as public consumer-advice bodies. We do not control and are not responsible for the content, accuracy, or practices of any linked third-party website.

8. Limitation of liability

To the extent permitted by applicable law, Myntro Collect GmbH shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Website or its content. Nothing in these Terms excludes liability that cannot be excluded under German law, such as liability for intent or gross negligence.

9. Changes to these terms

We may revise these Terms from time to time. Continued use of the Website after changes are published 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, and without prejudice to any mandatory consumer-protection provisions that may apply in your country of residence.

11. Contact

Questions about these Terms can be directed to support@myntro.org or via our Contact page.