Terms of Service

Last Updated: 15th January 2026

These Terms of Service ("Terms") govern your use of the website and services provided by Ultraflowix AG, a company incorporated under German law with registration number HRB615982. By accessing our website or using our services, you agree to be bound by these Terms.

Acceptance of Terms

By accessing and using the Ultraflowix AG website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you must not use our website or services. These terms apply to all visitors, users, and others who access or use our services.

Company Information

Services Description

Ultraflowix AG provides professional retirement finance income structuring services, including but not limited to:

• Retirement income planning and structuring
• Portfolio management and investment advisory services
• Risk assessment and management strategies
• Financial consultation and planning services
• Cross-border retirement planning for international clients

User Obligations

When using our website and services, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes and in accordance with these Terms
• Not engage in any activity that could damage, disable, or impair our services
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of Ultraflowix AG and third parties
• Not attempt to gain unauthorised access to our systems or networks

Professional Standards

Our services are provided in accordance with German financial regulations and professional standards. We are committed to maintaining the highest levels of professional conduct and regulatory compliance. All financial advice and services are provided based on your individual circumstances and requirements, and we recommend that you carefully consider all information provided before making financial decisions.

Intellectual Property

All content, materials, and intellectual property on the Ultraflowix AG website, including but not limited to text, graphics, logos, images, software, and design elements, are the exclusive property of Ultraflowix AG or its licensors and are protected by German and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from our website without our prior written consent. Any unauthorised use of our intellectual property may result in legal action and claims for damages.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms. By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We comply with the General Data Protection Regulation (GDPR) and German data protection laws.

Limitation of Liability

To the maximum extent permitted by German law, Ultraflowix AG shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or in connection with your use of our website or services.

Our total liability to you for all claims arising from or related to our services shall not exceed the amount of fees paid by you to Ultraflowix AG in the twelve months preceding the event giving rise to the claim. This limitation applies regardless of the legal theory upon which the claim is based.

Financial Disclaimers

All financial information and advice provided by Ultraflowix AG is for informational purposes and should not be considered as a guarantee of future performance. Investment values may fluctuate, and past performance is not indicative of future results. You should carefully consider your financial situation and consult with qualified professionals before making investment decisions. We do not guarantee specific outcomes or returns from our retirement planning strategies.

Indemnification

You agree to indemnify, defend, and hold harmless Ultraflowix AG, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of our services, your violation of these Terms, or your violation of any rights of another party.

Termination

Either party may terminate the service relationship at any time with appropriate notice as specified in individual service agreements. Ultraflowix AG reserves the right to suspend or terminate your access to our website and services immediately, without prior notice, if you breach these Terms or engage in any unlawful or inappropriate conduct. Upon termination, your right to use our services will cease immediately, and we may delete your account and related information.

Modifications to Terms

Ultraflowix AG reserves the right to modify these Terms of Service at any time. We will notify users of material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms. We recommend reviewing these Terms periodically to stay informed of any changes.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Germany. Any disputes arising from or relating to these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Frankfurt am Main, Germany. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.

Contact Information

If you have any questions about these Terms of Service, please contact us:

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired. In such cases, the invalid provision shall be replaced by a valid provision that most closely reflects the original intent.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any additional service agreements, constitute the entire agreement between you and Ultraflowix AG regarding your use of our website and services, and supersede all prior or contemporaneous communications and proposals between the parties.