Terms of Service

1. Acceptance of these terms

By accessing or using af-ag.org, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use this website.

2. Nature of this website

af-ag.org is an informational website published by activ factoring AG about the general concept and mechanics of business factoring and receivables financing. Content on this website, including examples, figures, and process descriptions, is illustrative and provided to help readers understand the subject matter. It does not describe a specific offer available to any particular visitor.

3. No financial or legal advice

Nothing on this website constitutes financial, legal, tax, or investment advice. Factoring arrangements vary significantly between providers and jurisdictions, and figures used in examples are for illustration only and do not reflect actual rates, fees, or terms offered by any provider, including activ factoring AG. You should seek independent professional advice before making any financial decision.

4. No paid services offered

This website does not sell products, process payments, or conclude financing agreements. No prices, quotes, or binding offers are published or generated through this site. Any conversation initiated through our contact form or contact details is for informational purposes and carries no cost or obligation unless separately and explicitly agreed in writing outside of this website.

5. Acceptable use

You agree not to use this website to: (a) violate any applicable law or regulation; (b) attempt to gain unauthorised access to our systems; (c) transmit malicious code; or (d) misrepresent your identity when submitting the contact form.

6. Intellectual property

Unless otherwise indicated, the text, layout, and graphics on this 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 for personal, non-commercial reference, but may not reproduce, distribute, or create derivative works from this content without prior written permission.

7. Third-party links and content

This website may reference or link to third-party resources, including fonts, icon libraries, and map services. We do not control and are not responsible for the content, accuracy, or availability of third-party resources.

8. Limitation of liability

To the extent permitted by applicable law, activ factoring AG shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this website, or from reliance on any information published on it. Nothing in these terms excludes liability that cannot lawfully be excluded, such as liability for intent or gross negligence.

9. Changes to the website and these terms

We may update, suspend, or discontinue any part of this website at any time, and may revise these Terms of Service from time to time. Continued use of the website after changes are published constitutes acceptance of the revised terms.

10. Governing law and jurisdiction

These terms are governed by the laws of the Federal Republic of Germany, without regard to conflict of law principles. Subject to any mandatory consumer protection rules, the courts of München, Germany shall have jurisdiction over any dispute arising from these terms.

11. Contact

Questions about these Terms of Service can be sent to support@af-ag.org or to activ factoring AG, Brienner Straße 23, 80333 München, Deutschland.