Compliance

Compliance Guidelines and Regulatory Provisions

StaySaved GmbH

Last updated: August 2025

1. Introduction and Scope

StaySaved GmbH (hereinafter "StaySaved") is obliged as a financial services company to comply with comprehensive compliance standards. This document describes the regulatory requirements and internal guidelines that apply to StaySaved's business activities, including the website https://staysaved.de and the mobile app at https://dev.staysaved.de.

As a provider of financial services, StaySaved is subject to supervision by the Federal Financial Supervisory Authority (BaFin) and must comply with relevant German and European laws and regulations.

2. Supervisory Legal Foundations

2.1 BaFin License

StaySaved has the required license to provide financial services according to § 32 German Banking Act (KWG). The license includes:

  • Investment advice (§ 1 para. 1a sentence 2 no. 1a KWG)
  • Financial portfolio management (§ 1 para. 1a sentence 2 no. 3 KWG)
  • Investment brokerage (§ 1 para. 1a sentence 2 no. 1 KWG)

License Number: [INSERT LICENSE NUMBER]

Date of Issue: [INSERT DATE]

2.2 Applicable Laws and Regulations

National Laws:

  • German Banking Act (KWG)
  • German Securities Trading Act (WpHG)
  • German Capital Investment Code (KAGB)
  • German Money Laundering Act (GwG)
  • German Payment Services Supervision Act (ZAG)
  • German Federal Data Protection Act (BDSG)

European Directives and Regulations:

  • MiFID II (Markets in Financial Instruments Directive)
  • MiFIR (Markets in Financial Instruments Regulation)
  • GDPR (General Data Protection Regulation)
  • PSD2 (Payment Services Directive)
  • AIFMD (Alternative Investment Fund Managers Directive)

3. Organizational Requirements

3.1 Management and Responsibilities

Management: [INSERT MANAGING DIRECTOR NAME(S)]

The management bears overall responsibility for compliance with all regulatory requirements and proper business organization.

3.2 Compliance Organization

Compliance Officer: [INSERT NAME OF COMPLIANCE OFFICER]

[INSERT CONTACT DETAILS]

Tasks of the Compliance Officer:

  • Monitoring compliance with legal provisions
  • Advising management on compliance matters
  • Conducting compliance training
  • Creating and updating compliance guidelines
  • Reporting to management and BaFin

3.3 Money Laundering Officer

Money Laundering Officer: [INSERT NAME OF MONEY LAUNDERING OFFICER]

[INSERT CONTACT DETAILS]

Tasks:

  • Monitoring compliance with the Money Laundering Act
  • Filing suspicious transaction reports
  • Training employees in anti-money laundering
  • Maintaining required records

Contact Information

Compliance Department:

StaySaved GmbH

[INSERT COMPLETE BUSINESS ADDRESS]

Email: compliance@staysaved.de

Phone: +49 (0)30 915 170 13


Reporting Point for Compliance Violations:

Email: whistleblowing@staysaved.de

Phone: +49 (0)30 915 170 13

Note: This compliance document was created for StaySaved GmbH. The fields marked with [PLACEHOLDER] must be filled with the actual company data. The document must be regularly reviewed and adapted in case of changes in the legal situation or business activities.

Next Review: [INSERT DATE]

Responsible: [NAME OF COMPLIANCE OFFICER]

Last updated: August 2025