Terms of Service

1. Acceptance of these terms

These Terms of Service ("Terms") apply to your access to and use of af-ag.llc (the "Website"), operated by activ factoring AG, Brienner Straße 23, 80333 München, Deutschland. By browsing or using the Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.

2. Purpose of this website

The Website is provided strictly for general informational purposes. It explains, in broad terms, how factoring and leasing arrangements typically function.

• The Website does not offer paid services, products, or subscriptions of any kind.
• No contract, agreement, or binding offer is created or accepted through your use of the Website, including through the contact form.
• No payments are requested, collected, or processed through the Website.
• Any decision to enter into a factoring, leasing, or other financial arrangement with activ factoring AG would be subject to a separate, individually negotiated agreement entered into outside of this Website.

3. No advice, no offer, no warranty

Content on the Website is general in nature and does not amount to financial, legal, tax, or investment advice. It does not take into account your individual circumstances. You should seek independent professional advice before making financial decisions.

The Website is provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, activ factoring AG makes no warranties, express or implied, regarding the accuracy, completeness, or timeliness of the content on the Website.

4. Intellectual property

Unless otherwise indicated, the text, layout, graphics, and other original content on the Website are the property of activ factoring AG or its licensors and are protected by applicable intellectual property laws. You may view and print pages of the Website for personal, non-commercial reference, provided you do not modify the content or remove any proprietary notices.

5. Acceptable use

When using the Website, you agree not to:

• attempt to gain unauthorised access to the Website or its underlying systems;
• interfere with the proper functioning of the Website, including through automated scraping that places undue load on our infrastructure;
• submit false, misleading, or abusive content through the contact form;
• use the Website for any unlawful purpose.

6. External links

The Website may reference or link to third-party resources, such as Google Fonts, Phosphor Icons, OpenStreetMap, or image providers. We do not control these third parties and are not responsible for their content, policies, or practices. Use of third-party resources is at your own discretion.

7. Limitation of liability

To the extent permitted by applicable law, activ factoring AG shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, the Website, including reliance on its informational content. Nothing in these Terms limits liability that cannot be excluded under German law, such as liability for intent or gross negligence.

8. Changes to the website and these terms

We may update the Website's content or these Terms at any time without prior notice. The "last updated" date at the top of this page reflects the most recent revision. Continued use of the Website after changes take effect constitutes acceptance of the revised Terms.

9. Governing law and jurisdiction

These Terms are governed by the laws of the Federal Republic of Germany, without regard to its conflict-of-law provisions. Subject to applicable mandatory consumer protection rules, the courts of Munich, Germany shall have jurisdiction over any dispute arising from these Terms.

10. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

11. Contact

Questions about these Terms can be directed to support@af-ag.llc or +49 89 54848 0.