Terms of Use

Date: 18.10.2021

Grow Female Wealth GmbH with its registered office at Choriner Str 19A, 10435 Berlin, registered in the Commercial Register of the District Court of Berlin (Charlottenburg) under HRB 225158 B, e-mail: team@joinvitamin.engineering (hereinafter referred to as “Vitamin“, “us” or “we“) operates a digital platform at www.joinvitamin.com (hereinafter also referred to as the “Platform“). Through this Platform, users can create a hypothetical investment strategy for simulated investments in various exchange traded funds (“ETFs“), personalise it and track the performance of their simulated investments over time on the Platform. Users can also obtain general information on the Platform in the form of a blog and/or courses about various financial topics and about Vitamin. Finally, it is possible to sign up for our newsletter. Users cannot currently make actual (real) investments via the Platform.

Our goal is to help women build the financial confidence to enjoy living the life they want through tailored education and simple and usable tools. We understand particularly well the unique milestones on the financial journey of a woman, but we welcome all gender identities and expressions. Addressing women should not be seen as discriminatory or exclusionary.

Note:

The simulated (personalised) investment strategies are not recommendations to actually invest in ETFs or to implement investment strategies. For this reason, we will neither inform users about the risks of such investments nor accept client funds or make investments for users. We also do not offer advisory services.

With our Platform, we only want to enable users to inform themselves in general about investments in ETFs and to familiarise themselves with the topic of “investments in ETFs” by simulating investments. 

  1. Scope

    1. These terms and conditions govern the contractual basis for the use of our Platform. Every user should therefore read the terms and conditions carefully and completely. If a user does not agree to these terms and conditions, she cannot use the Platform and cannot create a (personalised) investment strategy.
    2. If real investments are possible in the future via the Platform, separate general terms and conditions and information documents will be made available in good time before such investments.
  2. Use of the Platform

    1. Every user can answer various questions on the Platform to determine her investment strategy and to analyse her own attitude to investments, including her current life status, income situation and risk tolerance. It is not necessary to provide personal data such as name or e-mail address. Based on the answers given, an investment strategy for simulated investing in ETFs is created for the user. A distinction is made between equity ETFs and bond ETFs. While equity ETFs are exchange-traded passive index funds that invest in equities, a bond ETF is composed of bonds or fixed-income securities. Registration for the creation of such an investment strategy is not required.
    2. The user can then personalise her investment strategy. For this purpose, registration on the Platform is required, stating the user’s first and last name as well as a valid e-mail address (see 3). 
    3. The registered user is provided with a dashboard after logging into her own account and entering her e-mail address and the selected personal password. Here, the user can view and, if necessary, adjust the investment strategy created and simulate the investments. To do this, the user chooses whether she wants to invest once or on a simulated monthly basis and over what period of time this should take place. The user can independently adjust the ratio between equity and bond ETFs and set individual “milestones” (e.g. for a sabbatical or the purchase of a property). In this way, the user can view and continuously track the development of her simulated investments. 
    4. Finally, the user has access to various blog articles and courses that present information to help the user become familiar with various financial topics. 
    5. The use of the Platform is free of charge.
    6. The user will not use the Platform for the following actions or allow third parties to perform any of the following actions via the Platform:
    7. Money laundering, support for terrorism or other unlawful acts;
      1. Gambling;
      2. Programming applications that interact with the Platform, unless we have given explicit written consent; 
      3. Use of spider, robot or crawling programs or other technical and/or automated solutions to gain access to or extract data from the Platform, unless used for indexing by legitimate search engines;
      4. Defame, threaten, harass, abuse, or otherwise violate the rights of others; 
      5. Interference with the smooth operation of the Platform and/or the systems supporting the Platform;
      6. Impersonating another person;
      7. Attempting to access an account that does not belong to the user;
      8. Transmission of viruses or other harmful code;
      9. Unauthorised access to the Platform without written consent;
      10. any other illegal uses.
  3. Registration

    1. Registration is only possible via our Platform. Registration is free of charge and, in addition to personalising the investment strategy, also allows you to receive the newsletter. 
    2. Registration does not imply any obligation to use our future services.
    3. Only natural persons may register. Registration by legal entities is excluded, as is registration for others.
    4. Registration can be done either via an existing Google account, or by providing a name (first and last name) and an e-mail address. The e-mail address must be suitable for long-term communication; in particular, so-called disposable e-mail addresses are not permitted. In addition, a personal password must be set.
    5. Before registering, the user declares her agreement with these terms and conditions and with the Privacy Policy.
    6. Before the registration can be completed, the user will receive an e-mail to the e-mail address she has provided, which contains a verification link that the user must click on. By clicking on the verification link, the user confirms the identity of her e-mail address.
    7. You can subscribe to our newsletter by actively ticking the corresponding checkbox.
  4. Copyright

    1. The content and works created by Vitamin on these pages are subject to German copyright law. Duplication, processing, distribution and any kind of exploitation outside the limits of copyright require the written consent of the respective author or creator. Downloads and copies of this site are only permitted for private, non-commercial use.
    2. Insofar as the content on this page was not created by Vitamin, the copyrights of third parties are respected. In particular, third-party content is identified as such. Should you nevertheless become aware of a copyright infringement, please inform us accordingly. If we become aware of any infringements, we will remove such content immediately.
  5. Liability

    1. We are liable for intent and gross negligence in accordance with the statutory provisions. We shall only be liable for slight negligence in the event of a breach of a material contractual obligation (cardinal obligation), the fulfilment of which is a prerequisite for the proper performance of the contract and on the observance of which the user may regularly rely, as well as in the event of damage resulting from injury to life, body or health. In the event of slight negligence, we shall only be liable for foreseeable damage, the occurrence of which must normally be expected.
    2. Liability under the German Product Liability Act (Produkthaftungsgesetz) or for damages based on the breach of a guarantee assumed by us shall remain unaffected. In the scope of application of the German Telecommunications Act (Telekommunikationsgesetz – TKG), the liability rule of Section 44 a TKG remains unaffected.
    3. The above limitation of liability shall also apply in favour of our employees, representatives, organs and vicarious agents.
    4. Data communication via the Internet cannot be guaranteed to be error-free and/or available at all times given the current state of technology. In this respect, Vitamin is not liable for the constant and uninterrupted availability of the website.
  6. Language

    1. These terms and conditions were translated from German. The original German version is available here. The English translation is for informational purposes only. If a translation differs from the German language version, the German language version shall take precedence.
  7. Applicable law

    1. The law of the Federal Republic of Germany shall apply to the exclusion of the UN Convention on Contracts for the International Sale of Goods and the conflict of laws. If a user is a consumer and her habitual residence is in a member state of the European Union, German law also applies, whereby mandatory provisions of the state in which the user has her habitual residence remain unaffected. The non-exclusive place of jurisdiction is Berlin.
  8. Other

    1. In the event that one or more present or future provisions of these terms and conditions should be or become invalid or unenforceable in whole or in part, the validity and enforceability of the remaining provisions of these terms and conditions shall not be affected thereby.
    2. The European Commission has set up a European Online Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/. Vitamin does not participate in dispute resolution procedures with a consumer arbitration board.