1. Definitions

“CreditAccounts”, “we”, “us” means the service provider operating the CreditAccounts website and services. “Client”, “you” means any person or entity using our website or engaging our services. “Services” means documentation preparation, structuring support, and compliance-oriented advisory as described on our website.

2. Scope of Services

Our Services focus on structured preparation of information and documentation to support account and credit-related applications with third-party financial institutions. Services may include:

• Initial assessment of company profile, structure and objectives
• Documentation checklists and preparation guidance
• Consistency review and compliance positioning support
• Support for cross-border structural presentation and documentation readiness

We do not represent that any specific outcome will be achieved. We provide process support and advisory only.

3. No Financial Institution Relationship

We are not a financial institution, do not provide banking services, do not accept deposits, do not hold client funds, and do not issue credit. Any approvals or decisions related to accounts or credit products are made solely by the relevant third-party financial institutions.

4. Client Responsibilities

You agree to:

• Provide accurate, complete and up-to-date information
• Respond in a timely manner to requests for information/documentation
• Ensure you have the right to share any information/documents provided
• Not submit sensitive data via insecure channels (e.g., chat) unless explicitly requested through a secure method

5. Fees, Payment & Invoicing

Fees are determined by scope, complexity, risk classification, jurisdiction exposure and urgency. Unless otherwise agreed in writing:

• Fees are due prior to commencement of work
• Urgent handling may carry an additional fee
• All services are delivered digitally unless otherwise agreed
• VAT may apply depending on jurisdiction and invoicing requirements

6. Refunds & Cancellations

Refund eligibility depends on the scope already delivered. If you cancel after work has commenced, we may retain fees corresponding to work completed and costs incurred. Any exceptions must be agreed in writing.

7. Compliance & High-Risk Profiles

Certain industries or profiles may be considered higher risk and require enhanced documentation and due diligence. We reserve the right to decline engagement or request additional documentation if compliance requirements cannot be met.

8. Confidentiality

We treat client information as confidential and use it solely for the purpose of providing the Services. We may disclose information where required by law, regulatory request, or to protect our legal rights.

9. Data Protection (GDPR)

We process personal data in accordance with GDPR principles. Details about data processing, retention, and your rights are described in our GDPR information and Privacy Policy.

10. Intellectual Property

All website content, materials, templates, and deliverables provided by CreditAccounts remain our intellectual property unless explicitly agreed otherwise. You may use deliverables for your internal business purposes only, unless a broader license is agreed.

11. Website Use

You may not misuse the website or attempt to disrupt its operation. We may suspend access where we believe misuse, fraud, or security risks are present.

12. Disclaimers

Information on this website is provided for general informational purposes and does not constitute legal, tax, or financial advice. You should seek independent professional advice for your specific situation.

13. Limitation of Liability

To the maximum extent permitted by law, CreditAccounts shall not be liable for indirect, incidental, special, consequential or punitive damages, including loss of profits, revenue, data, or business opportunities. Our total liability, where applicable, shall not exceed the fees paid for the specific service giving rise to the claim.

14. Third-Party Services & Links

We may reference third-party services or link to third-party websites. We are not responsible for third-party content, policies, or actions.

15. Changes to These Terms

We may update these Terms to reflect changes in our services or legal requirements. The updated version will be published on our website and will apply from the date of publication.

16. Governing Law & Dispute Resolution

These Terms shall be governed by the laws applicable to the service provider’s place of establishment, unless mandatory consumer protections apply. Any disputes should first be attempted resolved amicably. If unresolved, disputes shall be submitted to competent courts.

17. Contact

For questions about these Terms, contact us via the website contact form or email: info@creditaccounts.de.

Last updated: Replace this date with your publication date (e.g., 2026-01-15).