Terms and Conditions

§ 1 Scope and Contracting Party

1.1 Scope

These Terms and Conditions (hereinafter "T&C") apply to all contracts between StaySaved GmbH (hereinafter "StaySaved", "we" or "us") and users (hereinafter "User", "you" or "Customer") regarding the use of the StaySaved platform, including the website https://staysaved.de and the mobile application at https://dev.staysaved.de (hereinafter collectively "Platform").

1.2 Contracting Party

The contracting party is StaySaved GmbH with its registered office in Berlin, Germany, registered in the Commercial Register [INSERT REGISTRATION NUMBER] at [INSERT DISTRICT COURT].

1.3 Deviating Conditions

Deviating, conflicting or supplementary general terms and conditions of the customer do not become part of the contract unless their validity is expressly agreed to in writing.

§ 2 Service Description

2.1 StaySaved Platform

StaySaved offers a digital platform for conscious renunciation with automatic ESG investing. The platform enables users to make conscious renunciation decisions and automatically invest the amounts saved in sustainable financial products.

2.2 Main Functions

The platform includes the following main functions:

2.3 Banking Integration

StaySaved uses PSD2-compliant interfaces for integration with over 2,500 banks. The connection to your bank account is made via certified third-party providers and is subject to the highest security standards.

§ 5 Investment Services

5.1 Investment Advice and Portfolio Management

StaySaved provides financial services within the meaning of the German Banking Act (KWG). The services include investment advice and portfolio management within the framework of automated investment functions.

5.3 Investment Strategy

The investment strategy is based on ESG criteria (Environmental, Social, Governance) and is implemented through investments in sustainable ETFs and other financial instruments. The specific composition of the portfolio is determined by algorithms and regularly adjusted.

5.4 Minimum Investment and Limits

The minimum investment is 1 Euro per renunciation decision. Maximum daily, weekly and monthly limits can be set by the user in the app.

§ 6 Fees and Costs

6.1 Service Fee

StaySaved charges an annual service fee of 0.75% of the average portfolio value. The fee is calculated monthly on a pro-rata basis and automatically deducted from the portfolio.

6.2 Additional Costs

Additional costs may include:

• Product costs of underlying ETFs and funds (Total Expense Ratio)
• Transaction costs for purchases and sales
• Currency conversion costs for foreign currency transactions

6.3 Cost Disclosure

All costs are transparently displayed in the app. You will receive a detailed cost breakdown in the regular portfolio reports.

§ 10 Termination and Contract Termination

10.1 Ordinary Termination

Both contracting parties may terminate the contract at any time with one month's notice to the end of the month. The termination must be in text form (email is sufficient).

10.2 Extraordinary Termination

The right to extraordinary termination for good cause remains unaffected. Good cause exists in particular in case of:

• Breach of essential contractual obligations
• Insolvency of a contracting party
• Withdrawal of supervisory approval