Date: October 23, 2024
These Terms of Service (ToS) govern the use of the services provided by Invest-with-code.com (hereinafter referred to as the "Website"). Services include the offerings provided by the Website, including free and paid model portfolios, as well as other supporting functions like the "Share Calculator." By registering and using the Website, users agree to these ToS. The Website is operated by Artifact Research GmbH.
2.1 Registration on the Website is free and serves to provide users with access to certain content and functions of the Website. To register, users must create a user account by filling out a registration form and providing their email address and a password. The user is obligated to provide truthful, accurate, and complete information and to keep their access data secure. The user is also obligated to keep their personal data up to date at all times.
2.2 Registration is only permitted for natural persons aged 18 and over. Artifact Research GmbH reserves the right to reject registrations or to block existing user accounts if there are indications of incorrect information or misuse.
2.3 After successful registration, users will receive a confirmation email to complete their registration. Only after confirming the email address is the registration complete, and the user can access the offered content.
3.1 After successful registration, users have access to selected free model portfolios. These model portfolios contain information on various financial instruments, including their current weights. The weights of the financial instruments refer to the percentage distribution of the individual financial instruments within the model portfolio and indicate what proportion of the total portfolio value is invested in the respective financial instruments.
3.2 Invest-with-code.com also offers paid model portfolios accessible through a monthly subscription. These paid portfolios are regularly updated and provide detailed information on the respective current weights of the financial instruments. Updates occur weekly and are intended to enable users to adjust their investment strategy accordingly.
3.3 A built-in "Share Calculator" on the Website supports users of both the free and paid model portfolios in determining the number of shares of the respective financial instruments to buy or sell in order to replicate the model portfolios in their own broker account. Invest-with-code.com assumes no liability for the accuracy of the calculations of the "Share Calculator" and the resulting decisions of the users.
3.4 Invest-with-code.com does not ensure that all financial instruments contained in the model portfolios are tradable with the respective brokers of the users. The description of the model portfolios contains a complete list of the included financial instruments (e.g., ETFs), so that users can check themselves whether these are available with their broker.
4.1 The presentation of our subscriptions on the Website does not constitute a legally binding offer but an invitation without obligation to the user to submit an offer to conclude a contract. By selecting a subscription and completing the order process, the user makes a binding offer to conclude a paid subscription. The contract is only concluded upon our explicit acceptance declaration, which takes place through a separate email ("Order Confirmation"), or at the latest with the provision of the subscribed services.
4.2 The contract for the use of the paid content is concluded as soon as the user subscribes to a paid subscription on the Website. The user receives immediate access to the paid model portfolios after subscribing. The user commits to paying the specified fee for the use of the paid content. This fee is binding and must be paid in advance.
4.3 The billing of the paid subscription takes place monthly in advance. Payment can be made via the payment service providers offered on the Website, such as Stripe. By subscribing, the user authorizes Invest-with-code.com to debit the due amounts via the chosen payment method. The subscription automatically renews at the end of the respective billing period unless the user cancels it in time.
4.4 If a payment cannot be successfully processed, for example due to insufficient account balance or incorrect payment information, Invest-with-code.com reserves the right to temporarily suspend access to the paid content until the payment has been successfully made. The user remains obligated to settle the outstanding amounts.
5.1 The paid subscription can be canceled by the user at any time at the end of the current billing period. Cancellation can be made via the user account on the Website. A cancellation becomes effective at the end of the current billing period, and no further fees will be charged.
5.2 After cancellation, access to the paid model portfolios and the weekly updated weights ends upon expiration of the current billing period. The user has no claim to a refund of payments already made for the current billing period.
5.3 Invest-with-code.com reserves the right to terminate the subscription without notice if the user violates these ToS or repeatedly fails to make payments. In such a case, access to the paid content will be immediately blocked.
5.4 Invest-with-code.com further reserves the right to terminate the offered services or subscriptions at any time with a notice period of 30 days. In such a case, the user will be granted a pro-rata refund for the remaining period of the already paid subscription.
6.1 The provided model portfolios and information do not constitute investment advice, financial advice, or recommendations. All provided information is for informational purposes only. Users are solely responsible for their investment decisions and the resulting risks. Invest-with-code.com and Artifact Research GmbH assume no liability for financial losses, lost profits, or other damages resulting from the replication of the model portfolios or the use of the information provided on the Website.
6.2 Invest-with-code.com endeavors to keep the provided information up to date and correct but assumes no warranty for the accuracy, completeness, and timeliness of the content. There is no guarantee that the model portfolios have been successful in the past or will be successful in the future. Past performance is not indicative of future results.
6.3 Invest-with-code.com is not liable for the availability, error-free operation, and security of the Website. Technical problems, maintenance work, or other reasons may cause the Website to be temporarily unavailable. Invest-with-code.com assumes no liability for any damages or losses resulting from such unavailability.
6.4 Invest-with-code.com is not liable for the compatibility of the model portfolios with the specific requirements of the users. It is the responsibility of the users to verify the suitability of the model portfolios for their individual investment goals, financial situation, and risk tolerance.
6.5 Invest-with-code.com assumes no liability for damages resulting from incorrect information in the "Share Calculator." Users are responsible for verifying the calculations and their applicability to their personal situation.
7.1 The content provided on the Website, including the model portfolios, texts, images, graphics, and other materials, is protected by copyright. All rights to these contents remain with Invest-with-code.com and/or Artifact Research GmbH or the respective rights holders.
7.2 Users are granted the non-exclusive, non-transferable, and revocable right to use the provided content exclusively for personal and non-commercial purposes. Any use beyond this is prohibited. In particular, it is not permitted to reproduce, distribute, make publicly accessible, or edit the content unless explicit written permission from Invest-with-code.com is obtained.
7.3 Use of the content for commercial purposes or its disclosure to third parties is expressly prohibited without prior consent. Violations of these provisions may lead to legal consequences and immediate termination of the user account without notice.
7.4 All trademarks, logos, and other identifiers used on the Website are the property of Invest-with-code.com or third parties. The use of these trademarks, logos, or identifiers is not permitted without the express consent of the respective rights holder.
8.1 Invest-with-code.com collects, processes, and stores personal data of users exclusively within the framework of legal provisions. Further information on the processing of personal data can be found in the Website's Privacy Policy.
8.2 Invest-with-code.com is committed to protecting users' personal data and using it only for the purposes specified in the Privacy Policy. Users have the right at any time to obtain information about their stored data and to request its deletion, provided that no legal retention obligations conflict.
9.1 Consumers have the right to withdraw from this contract within 14 days without giving any reason.
9.2 The withdrawal period is 14 days from the day of the conclusion of the contract.
9.3 To exercise the right of withdrawal, you must inform us (Artifact Research GmbH, Schönberger Str. 1, 90480 Nürnberg, support@artifact-research.com) by means of a clear statement (e.g., a letter sent by post or email) of your decision to withdraw from this contract. It is sufficient to provide your email address with which you registered, the subject "Withdrawal," and the designation of the subscription you wish to withdraw.
9.4 To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.
9.5 Exceptions: The right of withdrawal expires if the service has been fully performed and the performance has begun after the consumer has expressly consented that the execution of the service begins before the expiry of the withdrawal period and has confirmed their knowledge that they thereby lose their right of withdrawal.
9.6 In the event of withdrawal, payments already made will be refunded within 14 days from the day on which we received the notification of your withdrawal, using the same payment method unless expressly agreed otherwise.
9.7 With the withdrawal, access to the paid model portfolios and the weekly updated weights ends, and access is deactivated.
10.1 Artifact Research GmbH reserves the right to change these ToS at any time. Changes will be communicated to users via email. If the user does not object to the amended ToS within 14 days, they are considered accepted.
10.2 The law of the Federal Republic of Germany applies. The place of jurisdiction is, as far as legally permissible, the registered office of Artifact Research GmbH.
10.3 Should any provision of these ToS be wholly or partially invalid or unenforceable, the validity of the remaining provisions remains unaffected. In place of the invalid or unenforceable provision, a regulation shall apply that comes as close as possible to the economic purpose of the invalid provision.
10.4 These ToS constitute the entire agreement between you and Artifact Research GmbH regarding the use of the services of Invest-with-code.com and supersede all prior or contemporaneous oral, written, or electronic communications and offers between you and Artifact Research GmbH concerning the services.
