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Membership Agreement

Parties

This membership agreement has been mutually accepted and entered into force with the electronic approval of the “Member” while becoming a member of www.terramirum.com (hereinafter referred to as the “site”) and www.terramirum.com.

The User accepts, declares and undertakes that he / she has read the entire Membership Agreement, understands its content in its entirety and approves all its provisions with the electronic approval given while becoming a member of the Site.

Definitions

Credipto GmbH & Co. KG, located at Ambacher Street 72 65428 Rüsselsheim / Deutschland, which operates the website www.terramirum.com (hereinafter referred to as the “seller”).

Site: The website that can be accessed on-line where various services and contents are offered within the framework determined by www.terramirum.com.

Member: A natural or legal person who is a member of the Site and benefits from the Services offered on the Site within the conditions specified in this agreement.

Buyer: The Member who purchases the goods and/or services offered for sale by using the Services offered on the Site.

User: A person who visits www.terramirum.com website with or without shopping.

Confirmation Process: It is the process that must be performed by the Member in order to activate the User's membership by verifying the e-mail address from www.terramirum.com in the membership form.

Website Terms of Use and Membership Agreement: This is the contract concluded electronically between the www.terramirum.com website and real and / or legal persons who will benefit from the commercial and personalized services offered through the site.

Subject and Scope of the Contract

The subject of the Membership Agreement is the determination of the Services offered on the Site, the terms of utilization of these Services and the rights and obligations of the parties.

The scope of the Member Agreement is this agreement and its annexes and statements such as all warnings, writings and explanations made by the seller regarding the use, membership and Services on the Site. By accepting the provisions of the Membership Agreement, the Member also accepts all kinds of statements made by the seller regarding the use, membership and Services on the Site. The Member accepts, declares and undertakes to act in accordance with all matters specified in the aforementioned statements.

www.terramirum.com website, the services to be provided through the Site generally consist of electronic commerce as defined in the Consumer Law legislation.

www.terramirum.com website, the services to be provided through the Site, including but not limited to; products offered for sale at www.terramirum.com; After the price is paid by the Member,

www.terramirum.com is completely free to determine the scope and nature of the services it will offer through the Site and is deemed to have put into effect the changes it will make regarding the services by publishing them on the Site.

In order to benefit from the services to be offered within the Site, users must meet the specifications to be determined by www.terramirum.com and specified in the content of the relevant section of the Site. www.terramirum.com is completely free to determine these features and is deemed to have put into effect the changes it will make regarding the features by publishing them on the Site.

Terms of Membership and Service Usage

Membership is completed by the person who wants to become a Member from the relevant section of the Site, by sending the identity information required to become a member of the Site by the person who wants to become a Member, and the registration process is completed with the approval of the registration process by the seller. Without completing the membership process, the right and authority to become a Member defined in this agreement cannot be obtained.

In order to become a member of the site, it is necessary to be of legal age, to be authorized to represent and bind the legal entity for legal entity members, and not to be temporarily suspended from membership or banned from membership indefinitely by the seller under this contract. Applications made through persons who are minors or who are not authorized to represent and bind the legal entity for legal entity members, or applications made by persons who have been temporarily suspended or suspended by the seller under this agreement as stated above; applications made by persons who are banned from membership indefinitely prevent the use of the rights arising from Membership, even if the Site has completed the registration process.

The Seller may unilaterally terminate this agreement at any time without any justification, without any notice and without any obligation to pay any compensation and with immediate effect and may terminate the Member's membership or temporarily suspend the Member's membership without terminating the agreement. The decisions of termination, termination of membership and suspension of membership specified in this article will be made entirely by the seller's own will in accordance with the violation of this contract, violation of the rules specified on the site, the determination by the seller that the situation arising as a result of the Member's transactions or transactions constitutes a risk in accordance with the seller's information security system, or the seller's commercial decisions or the evaluation of the situation arising by the seller that constitutes a legal risk.

Rights and Obligations

Member Rights and Obligations

The Member accepts, declares and undertakes that while fulfilling the membership procedures, benefiting from the Services of the Site and performing any transaction related to the Services on the Site, he / she will act in accordance with all the terms contained in the Membership Agreement, the rules specified in the relevant parts of the Site and all applicable legislation, and that he / she understands and approves all the terms and rules specified in this agreement.

The Member accepts, declares and undertakes that in accordance with the provisions of the mandatory legislation in force or in cases where it is claimed that the rights of other members and third parties are violated, the seller will be authorized to disclose the confidential / private / commercial information belonging to him to both the official authorities and the rightful persons and for this reason, no compensation can be claimed from the seller under any name.

The security, storage, keeping away from the knowledge of third parties and the use of the system access tools (username, password, etc.) used by the Members in order to benefit from the Services offered by the seller are the sole responsibility of the Members. The Seller shall not have any direct or indirect liability for any damages incurred or to be incurred by the Members and/or third parties due to any negligence and defects of the Members in matters such as the security, storage, keeping away from the knowledge of third parties, and use of the system access tools.

Members accept, declare and undertake that the information and content provided by them within the Site are accurate and lawful. The Seller is not obliged and responsible for investigating the accuracy of the information and content transmitted to the seller by the Members or uploaded, modified or provided by them through the Site, undertaking and guaranteeing that this information and content is safe, accurate and lawful, and cannot be held responsible for any damages arising from the incorrect or incorrect information and content in question.

Members may not transfer their rights and obligations under the Membership Agreement, in whole or in part, to any third party without the written consent of the seller, except under the conditions specified on www.terramirum.com.

Those who benefit from the Services offered by the Seller and those who use the Site may only perform transactions on the Site for lawful purposes. The legal and criminal responsibility for every transaction and action of the Members within the Site belongs to them. Each Member accepts, declares and undertakes that he / she will not reproduce, copy, distribute, process, process the pictures, texts, visual and audio images, video clips, files, databases, catalogs and lists contained on the Site in a way that constitutes an infringement of the same or personal rights or assets of the seller and / or another third party, and that he / she will not compete directly and / or indirectly with the seller either directly and / or indirectly with these actions or in other ways. The Seller cannot be held responsible in any way, directly and / or indirectly, for any damages suffered or may be suffered by third parties due to the activities of the Members on the Site in violation of the provisions of the Membership Agreement and / or the law.

The seller, seller employees or managers are not responsible for the services provided and content published on the Site by third parties, including Members. The commitment of the accuracy and legality of the information, content, visual and audio images provided and published by any third party is the sole responsibility of the persons performing these actions. The Seller does not undertake and guarantee the security, accuracy and legality of the services and contents provided by third parties, including the Members.

The Member accepts, declares and undertakes that within the scope of all kinds of campaigns and sweepstakes to be carried out by the seller through the Site, the Members who are entitled to participate in the campaigns and sweepstakes will share their membership information with the persons, institutions or organizations related to the campaign and sweepstakes and will not claim any compensation from the seller for this reason.

The Member accepts, declares and undertakes that he/she is obliged to fulfill the measures and procedures required by the relevant legislation in the capacity of advertiser, manufacturer, taxpayer or similar in relation to the transactions carried out on the Portal, that the seller does not have any authorization and responsibility regarding these measures and procedures, and that he/she will be liable for any damages suffered or may be suffered by other Members, the seller and / or third parties due to all negligence and defects that will result in the failure to fulfill the measures and procedures within the scope specified in this article.

After the Member fills in the sections required for registration and confirms his/her e-mail address, he/she may start using the Site by entering his/her e-mail address and password, provided that he/she complies with the conditions specified in this Agreement.

While using the Site and its services, the Member agrees to comply with the legal regulations in Germany, other relevant legislation provisions and any announcements and notifications that the Site will publish regarding its services. Any legal, criminal and financial liability that may arise due to these notices and illegal use belongs to the member.

The information of the members who visit the site (frequency of visits, visit times, etc.) is tracked in order to serve them better. This information, adhering to the terms of confidentiality, in order to expand and improve the content, advertising, etc. It is shared with companies that cooperate in matters. The purpose here is to improve the service offered by the site to its users and to enrich the content offered by the Site.

Rights and Obligations of Buyers

By making a request to purchase the exhibited product, the Buyer is deemed to have accepted the terms and procedures of sale determined by the seller together with the product description.

The Buyer accepts and declares that the seller does not have and does not need to have information about any issues related to the original product, including but not limited to whether the products offered for sale by the Producers on the Site are among the Prohibited Products, whether they are illegal or not, their quality, originality, accuracy and completeness of the written and / or visual descriptions used in the promotion of the product, and that it is not obliged to undertake and guarantee them.

The Buyer accepts, declares and undertakes that at any stage of the purchase and sale process taking place on the Site and for any reason whatsoever, if the Producer ceases to sell and deliver the product, the seller shall have no responsibility and liability due to this situation; he / she accepts, declares and undertakes that he / she cannot claim any compensation from the seller for the product he / she is trying to purchase, in any way whatsoever.

Rights and Obligations of the Seller

The Seller reserves the right to change the Services and contents offered on the Site at any time; to close the information and contents uploaded by the Members to the system to the access of third parties, including the Members, and to delete them. The Seller may exercise this right without any notice and without prior notice. Members are obliged to fulfill the changes and/or corrections requested by the seller immediately. The changes and/or corrections requested by the Seller may be made by the Seller if deemed necessary. The damages, legal and criminal liabilities that arise or may arise due to the failure of the Members to fulfill the changes and / or correction requests requested by the Seller in a timely manner belong entirely to the Members.

The Seller may use the membership information on the Site as it wishes for User security, fulfillment of its own obligation and for marketing, promotion and communication regarding the websites created by the group companies mentioned on the main page of the Site and the Site www.terramirum.com within its own structure and for some statistical evaluations. It may classify and store them on a database.

The Seller shall not act as a mediator or arbitrator in disputes arising between the Members within the scope of the Services provided on the Site.

The Seller may perform the necessary content and/or message scanning in order to detect the messages and/or contents that take place between the Users through the Site and which are contrary to the operation of the Site and/or the Membership Agreement and/or the general rules of the Site and/or the general rules of morality and which cannot be accepted by the “Seller” or “X”, and may remove the messages and/or contents it detects from access at any time and in any manner; The Seller may terminate the membership of the Member, temporarily or permanently, by warning the Member who created this message and/or content in writing.

Members and the Seller are legally independent parties. There is no partnership, representation or employee-employer relationship between them. As a result of the approval and implementation of the Membership Agreement, no partnership, representation or employee-employer relationship arises.

The Seller accepts, declares and undertakes that it will keep the preliminary information form and distance sales contracts regarding the sales made through the Site for 3 years and that it will share this distance sales contract and preliminary information form at the request of the Buyer and the Producer within this period. the seller does not keep the credit card information of its customers registered in the system.

Some information such as the name and Internet Protocol (IP) address of the Internet service provider used to access the site, the date and time of access to the site, the pages accessed while on the site and the Internet address of the Web site that provides direct connection to the site may be collected by the Seller for the improvement and development of the www.terramirum.com website and / or within the framework of legal legislation.

The Seller may use the personal information of the members in order to provide better service to its members, to improve its products and services, to facilitate the use of the site, and to work on the special preferences and interests of the Members. The Seller reserves the right to keep a record of the member's actions on the www.terramirum.com website.

The Seller may immediately limit, suspend or cancel the right to use the www.terramirum.com website rules of the member, user or buyer or any obligation stipulated in this contract or any action and transaction contrary to any laws, regulations and other legislation without any notice and warning. In these cases, the member, user or buyer cannot claim and collect any negative or positive damages and losses, rights and receivables from the seller.

Intellectual Property Rights

All elements of the Site (including, but not limited to, design, text, images, html code and other codes) (including, but not limited to, the copyrighted works of the Seller) are used by the Seller and/or under a license obtained by the Seller from a third party. Members may not resell, share, distribute, distribute, display, reproduce, create derivative works from, or prepare derivative works of, the merchant Services, merchant information, and merchant copyrighted works, or allow anyone else to access or use the merchant Services; otherwise, they will be liable for any damages sought from the merchant for losses suffered by third parties, including, but not limited to, licensors, and any other liabilities, including, but not limited to, court costs and attorneys' fees.

Seller reserves all rights in and to all of Seller's property, real and personal rights, trade information and know-how, including any and all tangible and intellectual property rights in and to Seller Services, Seller Information, Seller copyrighted works, Seller trademarks, Seller trade dress, or any other property or intellectual property owned by Seller through the Site.

Contract Amendments

This contract will remain in force until the member cancels his membership or his membership is canceled by the seller. If the seller violates any provision of the membership agreement, the seller may unilaterally terminate the contract by canceling the member's membership.

Limitation of Liability

www.terramirum.com is not liable for any direct or indirect damages that may arise due to breach of contract, tort, or other reasons due to access to the Site, use of the Site or the information and other data programs etc. on the Site. As a result of breach of contract, tort, negligence or other reasons; www.terramirum.com does not accept any responsibility for interruption of the transaction, error, negligence, interruption. By accessing or using this Site or other websites linked to this Site or other websites linked to this Site, it is accepted that the www.terramirum.com enterprise is separated from any liability that may arise as a result of the use / visit, and from any damages and claims, including court and other costs.

Transfer

www.terramirum.com may transfer this agreement in whole or in part at any time without notice. However, the User and the Member cannot transfer this agreement or any part of it to another party. Any such attempted transfer is invalid.

Force Majeure

In all cases deemed to be legally force majeure, it is not liable for late performance or non-performance of these Terms of Use and Membership Agreement. These and similar situations shall not be deemed delay or non-performance or default for www.terramirum.com, nor shall www.terramirum.com be liable for any compensation for these situations.

Applicable Law and Jurisdiction

The Courts of Germany shall be competent for the enforcement of this Agreement. If the order is confirmed electronically, the Buyer is deemed to have accepted all provisions of this contract. In case of any dispute between the parties and / or complaints of third parties, the seller's records and documents, e-mail correspondence, system records on the website (including magnetic media records such as computer-audio records) shall constitute the exclusive final evidence.

Enforcement

Membership registration means that the member has read all the articles in the membership agreement and accepts the articles in the membership agreement. This Agreement was concluded at the time the member became a member and entered into force mutually. The Seller may change the provisions of this agreement at any time, the changes are published on the site by specifying the version number and date of change and enter into force on the same date.

Terms and conditions

From the following date: November 2023

The transparency and user-friendliness of Credipto's https://www.credipto.com/ platform is important to us. These general terms and conditions govern the use of this website (https https://www.credipto.com/).

For reasons of better readability, male, female and various (m/f/d) language forms are not used simultaneously. All personal names apply equally to all genders.

Credipto GmbH, Speditionstraße 15a, D-40221 Düsseldorf (hereinafter “Credipto”) operates an internet platform (hereinafter “platform”) under the website https://www.credipto.com/. Through this platform, Credipto offers potential investors the opportunity to invest in companies and projects carried out by companies and other institutions.

Here, project owners and companies (hereinafter collectively referred to as “issuers”) can introduce themselves to potential investors (hereinafter referred to as “investors”) and digitally share with them information about the planned financing (hereinafter referred to as “financing projects”).

Based on this information, investors have the opportunity to participate in the respective financing project through financing (“swarm financing”, “crowdfunding” or “funding”) by placing investments or securities (“financial instruments”) on the platform of the online investment brokerage framework.

Access to financing projects and potential subscription to financial instruments requires the investor to register on the platform.

Credipto is a contractual agent within the meaning of Section 3 Paragraph 2 of the WpIG and, when brokering investments pursuant to Section 2 Paragraph 2 No. 3 of the WpIG, is entered into solely in its name, on its behalf and under its responsibility. The registered office of Effecta GmbH, which is listed in the commercial register of the Friedberg district court under HRB 8830, is located at Am Sportplatz 13, D-61197 Florstadt (liability umbrella). Effacta GmbH is a licensed securities institution with a license to provide investment advice pursuant to Section 2 Paragraph 2 No. 4 WpIG and a license to provide investment brokerage pursuant to Section 2 Paragraph 2 No. 3 WpIG, each of which is not authorized to take ownership and/or possession. Sale of securities or raising funds from clients.

The following general terms and conditions (“Terms and Conditions”) apply exclusively to any use of the platform by (potential) investors (hereinafter referred to as “users”).

- Scope

- By using the platform, a user agreement is concluded between users and Credipto, which is exclusively subject to the following terms and conditions. This platform user agreement sets out the conditions for the use of the platform for information purposes and for the brokerage of individual financial instruments between investors and issuers via the platform. Both the informational use and the brokerage of financial instruments are offered to users free of charge. The General Terms and Conditions apply to all content, functionalities and other services offered on the platform.

- At the same time, a separate brokerage agreement on financial instruments (“brokerage agreement”) is concluded between the investor and the liability umbrella (Effecta GmbH), represented by Credipto as a contractual agent, as soon as the platform operator meets the necessary conditions. The interested party offers certain financial instruments from project owners (issuers) on the platform.

The content of the brokerage agreement is determined by the “Effecta GmbH General Terms and Conditions for brokerage through affiliated agents” and the additionally applicable “Effecta GmbH General Terms and Conditions for brokerage through affiliated agents”. These documents are available on the platform and are provided to the investor prior to the contract. Further information about Effecta GmbH and its business profile can be found in the documents also available on the platform.

- The legal relationship between Credipto and the issuer is not the subject of these general terms and conditions. Separate cooperation agreements (project agreements) establish the legal relationship between Credipto and the issuer. Likewise, the legal relationship between the issuer and the user is not the subject of these General Terms and Conditions. These legal relationships are subject to separate legal arrangements (e.g. loan conditions, lending conditions). Credipto is not a party to these legal agreements.

- It has no right to register and use the Platform. Credipto has the right to refuse a user at any time without giving reasons. Examples include: registrations made by providing false data or registrations created with disposable e-mail addresses (so-called “disposable e-mail addresses”).

- Registration

- Registration is required for full use of the platform. Natural persons who have reached 18 years of age, have full legal capacity under civil law, reside in Germany and are not citizens of Canada, Japan or Australia and who are not US citizens in the following sense are allowed to register as private persons. A U.S. person is anyone who is a U.S. citizen, a holder of permanent residence and work authorization for the U.S. (green card) or otherwise subject to unlimited income taxation in the U.S., who has a place of residence or a second home in the U.S. or its territories, or who is a U.S. corporation or other entity, estate or trust organized under U.S. law that is subject to U.S. federal taxation, or who acts on behalf of such entity. Legal entities must have their registered office in Germany. Investors must act on their own account. It is not permitted to register a person more than once.

- It is essential that the registration is carried out with complete and correct information regarding the requested data.

- In order to accept an issuer's contract offer as a user, it is also necessary to provide complete and truthful information about the investor-specific data to be requested during or after registration.

- After the registration is completed, the user will receive a confirmation e-mail from Credipto. The registration process is completed by clicking on the link in the e-mail. Once the contract is concluded, the user has the possibility to view and change his/her data at any time in the “Login - My Account” section.

- Registration with false data or false investor-specific information is not allowed, this will result in the user being removed from the platform.

- The User undertakes to ensure that all information provided while using the platform is always accurate and up to date.

- The User undertakes to ensure that the data accessing the platform, in particular his/her password, are not accessible to third parties. The user is solely responsible for the transactions carried out through the user account. If there is any indication that the user account has been misused

Cancellation policy

Part 1

Right of withdrawal

With a clear declaration, you can cancel your contract declaration within 14 days without giving reasons. This period begins after the conclusion of the contract and after receipt on a durable medium (e.g. letter, fax, e-mail) of the contractual provisions including the general terms and conditions as well as all information listed in Section 2 below. In order for the revocation period to be met, it is sufficient to send the revocation in good time if the notification is made on a durable medium. The revocation must be sent to the following address:

Credipto GmbH

Speditionstraße 15a, D-40221 Düsseldorf

E-mail: info@credipto.com

Part 2

Information required for the start of the cancellation period

The information within the meaning of Section 1 Sentence 2 includes the following information:

- the identity of the entrepreneur; the public company register in which the legal entity is registered and the relevant registration number or equivalent identifier must also be indicated;

- the main business activity of the entrepreneur and the supervisory authority responsible for its approval;

- the address of the entrepreneur and other addresses relevant to the business relationship between the entrepreneur and the consumer; the name of the authorized representative in the case of legal entities, associations of persons or groups of persons;

- the main characteristics of the financial service and information on how the contract was concluded;

- the total price of the financial service, including all relevant price components as well as all taxes paid through the entrepreneur, or, if a precise price cannot be determined, the calculation basis that enables the consumer to verify the price;

- an indication of any additional costs that may arise, as well as any possible additional taxes or costs not paid or invoiced by the entrepreneur;

- indication that the financial service refers to financial instruments which, due to their specific characteristics or the transactions to be carried out, are subject to special risks or whose price is subject to fluctuations on the financial market over which the entrepreneur has no influence, and that the income obtained in the past is not an indicator of future returns;

- a limitation on the period of validity of the information provided; for example, the period of validity of limited offers, in particular in relation to price;

- details on payment and performance;

- the existence or non-existence of the right of withdrawal, as well as the conditions of its exercise, its details, in particular the name and address of the person to whom the withdrawal is to be declared, and the legal consequences of the withdrawal, including: information on the amount that the consumer must pay for the services rendered in the event of withdrawal; in the event that he/she is obliged to pay compensation for the service that must be paid (basic regulation: Article 357b of the Civil Code);

- the minimum duration of the contract, if it involves a permanent or regularly recurring service;

- the conditions for termination of the contract, including contractual penalties;

- the Member States of the European Union whose laws the entrepreneur relies on when entering into the relationship with the consumer before concluding the contract;

- a contractual clause on the law applicable to the contract or the competent court;

- the languages in which the contractual conditions and the preliminary information referred to in this cancellation policy are communicated, as well as the languages in which the entrepreneur undertakes, with the consent of the consumer, to communicate during the term of this contract;

- an indication as to whether the consumer can use the out-of-court complaints and redress procedure to which the entrepreneur is subject and the access requirements, if any.

Chapter 3

Consequences of the annulment

In the event of an effective cancellation, the services received by both parties must be returned. If you were aware of this legal consequence before submitting your contractual declaration and expressly agreed that the evaluation can start before the end of the cancellation period, you are obliged to pay compensation for the service provided up to the moment of cancellation. If you are obliged to pay compensation, this may mean that you still have to fulfill the contractual payment obligations for the period until the cancellation. Your right of withdrawal expires prematurely if, before you exercise your right of withdrawal, the contract has been fully performed by both parties at your express request. Obligations regarding the return of payments must be fulfilled within 30 days. For you, this period begins when you send us your notice of withdrawal, for us it begins when we receive it.

Credipto GmbH

End of cancellation policy

- Services of the platform operator and use of the platform

- Credipto offers users the opportunity to contact issuers via the platform.

- Issuers have the possibility to publicize information and documents to potential investors via the platform. Investors can also subscribe to financial instruments online via the platform. In this context, Credipto is limited to providing the technical requirements for organizing the signing of the contract and the sending of documents, the transmission of declarations of intent as a messenger and the provision of certain other services to issuers in connection with the initiation and processing of the purchase of financial instruments (in particular. Contract management and payment monitoring). Credipto does not provide any additional services. In particular, Credipto has no discretion regarding the conclusion of contracts between issuers and investors and/or the management of the funding process. Credipto is not a party to the contract in this respect. Credipto also does not act as an authorized representative of either party in the conclusion of these contracts and does not accept any payment within the framework of the brokered contracts. Credipto does not provide any services that are subject to authorization under the Banking Act, the Capital Investment Act or the Payment Services Supervision Act. As a rule, payments are made through a licensed payment service provider or a so-called payment intermediary.

- Credipto offers the user free use of the platform.

- Credipto has no advisory function and does not provide any services in this regard. No financing and/or investment advice or tax and/or legal advice is explicitly provided. Credipto only performs a check according to official criteria before publishing an issuer's financing project on the platform. The placement of a financing project on the platform does not constitute investment advice. Credipto does not assess the creditworthiness of the issuer and does not check the information provided by the issuer for accuracy, completeness or timeliness. The platform operator does not provide investors with personal advice on the purchase of financial instruments on the basis of an examination of the personal situation of the respective investor. Unless the user has given separate consent to data collection, the user's personal terms and conditions will only be requested to the extent necessary for the execution of the contractual relationship or - in the context of investment brokerage - where required by law. In the context of investment brokerage, this is done for the purpose of providing legally required information, but not with the intention of giving the investor a personal recommendation to purchase a specific financial instrument.

- The documents offered on the platform do not explicitly claim to contain all the information necessary to evaluate a financial instrument offered. They do not constitute a prospectus in the legal sense. Users should take advantage of the possibility to ask questions to the issuer via the platform before making an investment decision. If users are undecided whether to subscribe to the financial instruments offered, they should seek information from independent sources. The documentation provided on the platform cannot replace expert advice. Users are strongly advised to obtain comprehensive information on the legal, economic and tax implications of such an investment before subscribing to the financial instruments offered. When subscribing to qualified subordinated loans, users as lenders bear a higher entrepreneurial risk than the risk of a normal lender. Loan capital, including interest claims, cannot be reclaimed due to qualified subordination if it would cause the borrower to become insolvent. This could lead to a complete loss of the invested capital and interest. Users should note detailed risk information.

- The respective subscription amount can be freely chosen within the framework set by the user. For investment, the user may only use his/her own liquid funds, which are exempt from third-party rights.

- Comments made by users on the platform or in related blogs, etc., which are deemed to be inappropriate or in violation of applicable laws, are not permitted and will result in immediate deletion. They may also lead to the immediate banning of the user from using the platform. Credipto reserves the right to claim compensation.

- The information provided on the Platform is not intended for distribution to or in the United States, Canada, Australia, Japan or any jurisdiction where such offer or invitation to make such an offer is not permitted. Any breach of this sharing restriction may constitute a violation of the laws of such jurisdictions.

- Implementation of an investment

An investment through the platform works like this:

- A potential investor registers as a user on the platform and becomes aware of financing projects. For this purpose, they use the information and documents provided by the relevant issuer. The user will be able to ask questions to the issuer about the financing project via the platform.

- To purchase a financial instrument, the investor and the issuer sign a subscription agreement (“Subscription Agreement”) for the amount chosen by the investor (“Deposit Amount”) using the digital process provided on the platform. Depending on the process, Credipto transmits the contractual declarations of the contracting parties to the counterparty as a messenger.

- The acquisition of the financial instrument becomes effective when the counterparty (investor or issuer) accepts the subscription offer (“conclusion of the contract”). The issuer will ask the investor to pay the deposit amount. Depending on the financial instrument, the conclusion of the contract on an individual basis may, within the meaning of Section 158 Paragraph 2 of the German Civil Code (BGB), be enforceable, in particular if the deposit obligation is not fulfilled and/or the minimum subscription volume is not reached within a certain period of time.

- In the event of effective cancellation of the conclusion of the contract, the issuer will ensure that the amount deposited by the user is transferred back to the deposit account without any deductions or costs; this does not affect any obligation to pay compensation or other rights in the event of cancellation by the user.

- Duration and termination

- The current user agreement according to these General Terms and Conditions is concluded indefinitely. It may be canceled at any time by the user or the platform operator with one week's notice before the end of the month. This does not affect the right of extraordinary termination.

- Cancellations by the user must be sent by e-mail to xxx@xxx-xxx.de. The user will be informed of the termination by Credipto by e-mail to the e-mail address last stored on the platform. The user is responsible for keeping this address updated at all times.

- It must be clearly stated that existing contractual relationships between users and issuers will not be affected by the termination of the user agreement.

- Availability

Credipto endeavors to provide comprehensive availability of the platform to the extent technically possible and economically reasonable, but does not guarantee this. In particular, maintenance work, security and capacity reasons, technical conditions and events beyond Credipto's control may result in the platform being temporarily or permanently inaccessible. Credipto reserves the right to restrict access to the platform at any time and to the extent necessary, for example to carry out maintenance work.

- Documentation

The user has no right to transfer or reproduce any documents, information and documents downloaded from the platform. Publicly available information and documents are exempt from this obligation. This obligation applies indefinitely beyond the period of use of the platform and even after termination of this user agreement. In the event that a user breaches this obligation, Credipto reserves the right to claim possible damages. The same applies to the affected rights of the issuers.

- Data protection

The collection and use of the user's personal data is carried out exclusively within the framework of legal provisions, in particular taking into account the applicable data protection law. Further information in this regard can be found in the separate data protection declaration of the platform operator Credipto at https://www.credipto.com/.

- Liability

- Credipto's liability for breach of contractual obligations and tort liability is also limited to intent and gross negligence.

- In addition, Credipto is only liable for simple negligence in the event of breach of essential contractual obligations, the fulfillment of which alone ensures the proper execution of the contract and on which the user can rely on regular compliance (“substantial negligent obligations”). A particularly important basic obligation is the receipt and transmission of subscription declarations via the platform. Liability for the main obligations is limited to typical damages and/or typical damage dimensions that were foreseeable at the time the contract was concluded.

- The above restrictions also apply to legal representatives, directors, employees or vicarious agents of Credipto.

- The above limitations do not apply to liability under the Product Liability Act arising from injury to life, body or health, nor to liability under the Product Liability Act, nor to cases where Credipto provides express warranties.

- Credipto is not responsible for the information that issuers provide about themselves on the platform or for the legal validity of contracts concluded between the user and the issuer. It should be made clear that the information that issuers provide about themselves on the platform is based entirely on the statements and documents of the issuers. Therefore, it is understood that the responsibility for this information lies solely with the issuer. This applies in particular to the timeliness, accuracy and completeness of the information. Credipto does not check the information provided.

- Availability

Credipto endeavors to provide comprehensive availability of the platform to the extent technically possible and economically reasonable, but does not guarantee this. In particular, maintenance work, security and capacity reasons, technical conditions and events beyond Credipto 's control may result in the platform being temporarily or permanently inaccessible. Credipto reserves the right to restrict access to the platform at any time and to the extent necessary, for example to carry out maintenance work.

- Documentation

- Data protection

- Liability

- Credipto 's liability for breach of contractual obligations and tort liability is also limited to intent and gross negligence.

- The above restrictions also apply to legal representatives, directors, employees or vicarious agents of Credipto.

- The https://www.credipto.com/ website of Credipto contains internet links to external third-party websites. Credipto has no influence directly or indirectly on the content of these linked websites. The respective provider or operator of the website is always responsible for the correctness of the content, Credipto therefore accepts no liability in this regard. Credipto checked external websites (internet links) for possible legal violations at the time of linking. No legal violations were found at the time the link was established. Credipto cannot continuously check the entire content of the pages linked to https://www.credipto.com/ without actual proof of a legal violation. If legal violations become known, Credipto will remove the relevant links immediately.

- Final provisions

- The general terms and conditions may be amended by Credipto if necessary

- Credipto is obliged to ensure that the General Terms and Conditions comply with applicable law or governmental requirements;

- Credipto complies with a court order or an order of an authority or a request of an authority directed against it or one of its sub-service providers, or to prevent or resolve complaints from an authority

- Changes in the legal framework relevant to the contractual relationship between the parties, case law, administrative practice of a responsible supervisory authority and/or changes in other contractual circumstances beyond the control of both parties make it necessary to adapt the contract. General Terms and Conditions (e.g. because the relevant clauses in the General Terms and Conditions are now deemed ineffective due to such changes or because the continued application of the General Terms and Conditions without appropriate adjustments leads to a breach that may be sanctioned by supervisory law)

and that the changes made by Credipto will not have unreasonable consequences for the user, unless they are unavoidable in accordance with the aforementioned standard, and no changes will be made to the contractual services that are interrelated.

Prior to the intended entry into force of the updated General Terms and Conditions - Credipto will notify the user in text form and inform him/her separately about the new regulations and the planned entry into force date. At the same time, Credipto will give the user a reasonable period of at least two months to declare whether he/she accepts the updated terms and conditions for further use of the services. If no declaration is made within this period starting from the receipt of the message in text form, the changed conditions shall be deemed to have been accepted by implied declaration of intent. At the beginning of the deadline, Credipto will inform the user separately about this legal consequence, i.e. the right to object, the objection period and the legal consequences of silence.

These terms of use are subject to the laws of the Federal Republic of Germany only. The contractual language and the relevant language of communication between the user and Credipto are German.

For users who are traders or who do not have a general jurisdiction in Germany or another EU member state, the place of jurisdiction for all legal disputes arising from this contractual relationship is the registered office of Credipto. In all other cases, the legal place of jurisdiction applies.

If individual provisions of these General Terms and Conditions are or become invalid, ineffective or unenforceable, the validity of these General Terms and Conditions shall not be affected. In this case, the parties are obliged to replace the invalid, ineffective or unenforceable provisions by provisions that are legally permissible and come closest to the intended purpose. The same applies in the event of gaps in the legislation.

The European Commission has set up a European online dispute resolution platform at http://ec.europa.eu/consumers/odr/. The consumer can use this platform to resolve a dispute arising from an online contract with a company established in the EU without going to court. To do this, he/she must fill out the online complaint form, which can be accessed at the given address.

We would like to point out that the following institution is responsible as the consumer arbitration board: Deutsche Bundesbank Arbitration Board, PO Box 10 06 02, 60006 Frankfurt am Main, www.bundesbank.de/schlichtungsstelle. We are obliged to take part in a dispute resolution procedure before this consumer arbitration board.