Legal Notice - onPoint Finanzen

Information pursuant to applicable German legal requirements

1. Website Operator

onPoint Finanzen GmbH
Okrifteler Straße 43
65931 Frankfurt am Main
Germany

Commercial Register:
Amtsgericht Frankfurt am Main
Commercial Register No.: HRB 116312

Legal form: GmbH

Managing Director / Legal Representative:
Tanja Mondella, Founder & CEO

Registered office:
Frankfurt am Main, Germany

Business identification / EUID ID:
EUID: DEM1201.HRB116312

2. Contact Information

Website:
onpointfinanzen.com

E-mail:
support@onpointfinanzen.com

Telephone:
+33 6 48 88 94 80

Business hours:
Monday to Friday, 09:00–18:00

For general enquiries, financing requests, technical questions or requests concerning our services, please contact us using the information above.

3. Responsible Person

The person legally responsible for the content of this website pursuant to the applicable provisions of German law is:

onPoint Finanzen GmbH
Okrifteler Straße 43
65931 Frankfurt am Main
Germany

E-mail: support@onpointfinanzen.com

4. Business Activities

onPoint Finanzen operates a digital platform intended to provide information, guidance and access to financing-related solutions.

Depending on the customer’s individual circumstances and the nature of the requested service, the website may provide information concerning, among other things:

Personal loans;
Vehicle and automobile financing;
Mortgage and real-estate financing;
Home improvement financing;
Debt consolidation;
Insurance-related solutions;
Estate planning;
Business and investment financing;
Financing assessment and consultation;
Other financial solutions offered in cooperation with appropriate financial institutions or service providers.

The availability of a particular financial product depends on the customer’s circumstances, eligibility, applicable legal requirements and the terms offered by the relevant financial institution or provider.

5. Regulatory Status and Financial Services

Information presented on this website must not automatically be interpreted as a legally binding offer to grant a loan, credit facility, insurance contract, investment product or other regulated financial service.

Unless expressly stated otherwise, onPoint Finanzen does not guarantee that a financing application will be approved or that a particular interest rate, loan amount, repayment period or financial product will be available.

Where a regulated financial service requires a specific authorization, registration or license under applicable law, such activity will only be conducted to the extent legally permitted and, where required, through appropriately authorized entities or intermediaries.

Nothing on this website should be interpreted as confirmation of a regulatory authorization unless such authorization is expressly identified and can be independently verified.

6. No Guarantee of Financing Approval

Submitting an enquiry, completing an online application form or communicating with onPoint Finanzen does not constitute approval of a loan or other financial product.

Any financing decision is subject to an individual assessment and may depend on factors including, but not limited to:

income;
employment status;
financial circumstances;
creditworthiness;
existing liabilities;
requested financing amount;
repayment capacity;
applicable legal requirements;
documentation supplied by the applicant; and
the internal criteria of the relevant financing institution.

A financing request may therefore be accepted, rejected, modified or subject to additional conditions.

7. No Financial Guarantee

The information published on this website is provided for general informational purposes.

Although onPoint Finanzen seeks to provide accurate and up-to-date information, no guarantee is given that all information is complete, current or applicable to every individual situation.

Interest rates, fees, eligibility requirements, loan amounts, repayment periods, product availability and other financial conditions may change without prior notice.

Users should obtain and review the specific contractual documentation applicable to their individual financing before entering into any legally binding agreement.

8. Individual Financial Circumstances

Financial decisions should always be based on an individual’s specific circumstances and objectives.

Information provided through this website does not replace an individual assessment by a qualified financial professional, lawyer, tax adviser or other appropriately qualified professional where such advice is required.

Before making a financial decision, users should carefully evaluate their ability to meet all contractual repayment obligations, including interest, fees and other applicable costs.

9. Accuracy of Information

We make reasonable efforts to ensure that the information provided on this website is accurate and understandable.

However, information may become outdated due to changes in legislation, financial-market conditions, product specifications, interest rates, regulatory requirements or other circumstances.

Accordingly, information displayed on the website should not be regarded as a definitive statement of the terms applicable to any particular financial product.

The legally binding terms of a financial product are contained in the relevant contractual documentation.

10. External Links

This website may contain links to websites operated by third parties.

These links are provided for convenience and informational purposes only.

onPoint Finanzen has no control over the content, availability, security practices or privacy policies of external websites and is not responsible for their content or services.

The inclusion of an external link does not necessarily constitute an endorsement, recommendation or guarantee of the third-party website or its services.

Users should review the legal and privacy information of external websites before providing personal information or entering into any transaction.

11. Liability for Content

As a website operator, onPoint Finanzen is responsible for its own content in accordance with applicable law.

However, no guarantee is given that the information available on this website is uninterrupted, error-free, complete or continuously up to date.

To the extent permitted by applicable law, liability for damages arising from the use of information provided on this website is limited to the extent legally permissible.

Mandatory statutory liability, including liability arising from intentional or grossly negligent conduct, personal injury, or other circumstances for which liability cannot legally be excluded or limited, remains unaffected.

12. Technical Availability

We endeavour to keep this website available and operational at all times.

However, temporary interruptions may occur due to:

maintenance;
technical failures;
server interruptions;
network failures;
cyber incidents;
security measures;
software updates;
third-party infrastructure failures; or
circumstances beyond our reasonable control.

No guarantee can therefore be given regarding uninterrupted availability of the website.

13. Intellectual Property

Unless otherwise indicated, all content published on this website is protected by applicable intellectual-property laws.

This includes, in particular:

texts;
logos;
trademarks;
photographs;
graphics;
illustrations;
icons;
videos;
layouts;
design elements;
software;
databases; and
other materials.

The reproduction, distribution, modification, publication or commercial exploitation of protected content without prior authorization is prohibited to the extent permitted by law.

Third-party content remains the property of its respective rights holders.

14. Trademarks

The names, logos, brands and trademarks displayed on this website may be protected by trademark or other intellectual-property rights.

Their use without the authorization of the respective rights holder is prohibited where such authorization is required by law.

15. Copyright Notice

Unless expressly permitted by law or authorized in writing by the relevant rights holder, no content from this website may be reproduced, distributed, publicly communicated, modified or commercially exploited.

16. Data Protection

The processing of personal data collected through this website is governed by our Privacy Policy.

Personal data may be processed where necessary to:

respond to enquiries;
process financing requests;
provide requested services;
communicate with users;
comply with legal obligations;
prevent fraud and misuse;
maintain website security; or
perform other legitimate business activities.

For detailed information concerning the categories of data processed, legal bases, recipients, retention periods and users’ rights, please consult our Privacy Policy.

17. Cookies and Similar Technologies

This website may use cookies and similar technologies for purposes such as:

website functionality;
security;
performance;
analytics;
user preferences; and
improving the user experience.

Where legally required, consent will be requested before placing non-essential cookies or technologies on a user’s device.

Additional information is available in our Cookie Policy.

18. Online Applications and Enquiries

Information submitted through an online form may be used to assess and process the user’s enquiry or financing request.

Applicants are responsible for ensuring that the information they provide is accurate, complete and up to date.

Providing false, incomplete or misleading information may affect the assessment of an application and may have legal consequences where applicable.

Submission of an online form does not by itself create a contractual obligation for either the applicant or onPoint Finanzen unless expressly stated otherwise.

19. Electronic Communication

Communication by e-mail or through online forms may be subject to technical risks, including delays, interception, alteration, loss or unauthorized access.

Users should therefore avoid transmitting highly sensitive information through unsecured communication channels unless an appropriate secure transmission method has been expressly provided.

Where legally required, additional verification or documentation may be requested.

20. Fraud Prevention and Security

onPoint Finanzen may implement reasonable technical and organizational measures to protect its systems, users and business operations against unauthorized access, fraud, misuse and other security threats.

Users should remain vigilant against fraudulent communications claiming to originate from onPoint Finanzen.

We will not request passwords, authentication codes or other confidential security credentials through unsolicited communications.

If you receive a suspicious communication claiming to represent onPoint Finanzen, please contact us using the official contact details published on this website.

21. No Investment Recommendation

Unless expressly stated otherwise and legally authorized, information on this website does not constitute:

investment advice;
securities advice;
a recommendation to purchase or sell financial instruments;
tax advice;
legal advice; or
a guarantee of financial performance.

Users should obtain independent professional advice where appropriate.

22. Interest Rates, Fees and Costs

Any interest rates, fees, repayment examples or financial figures displayed on the website are provided for illustrative or informational purposes unless expressly identified as contractual terms.

The actual cost of financing may vary depending on the applicant’s individual circumstances, the selected product, the financing institution and the applicable contractual conditions.

Before accepting a financial product, users should carefully review all applicable:

interest rates;
fees;
commissions;
repayment obligations;
contractual charges;
insurance costs;
penalties; and
other associated costs.

23. Consumer Rights

Consumers may have statutory rights under applicable German and European Union legislation, depending on the nature of the service or contract concerned.

Where a specific financial product or service is subject to mandatory consumer-information, withdrawal, cancellation or disclosure requirements, the applicable information will be provided in the relevant contractual documentation.

Nothing in this Legal Notice is intended to restrict mandatory statutory consumer rights.

24. Alternative Dispute Resolution

Where applicable, consumers may have access to statutory dispute-resolution mechanisms or competent consumer arbitration bodies.

The competent dispute-resolution mechanism depends on the nature of the contractual relationship and the applicable legislation.

25. Applicable Law

Unless mandatory statutory provisions provide otherwise, the legal relationship between the website operator and its users shall be governed by the laws applicable at the registered seat of the company.

Mandatory consumer-protection provisions applicable in the country of the consumer’s habitual residence remain unaffected where legally required.

26. Jurisdiction

Where legally permissible, the competent courts at the registered office of onPoint Finanzen GmbH shall have jurisdiction over disputes arising from the use of this website or the provision of services.

Mandatory statutory jurisdiction rules, particularly those applicable to consumers, remain unaffected.

27. Changes to this Legal Notice

onPoint Finanzen reserves the right to amend or update this Legal Notice where necessary, including as a result of:

changes in legislation;
regulatory requirements;
changes to the company’s activities;
changes to the website;
changes to contact details; or
changes to the services offered.

The latest version published on this website shall apply from its stated effective date.

28. Severability

If any provision of this Legal Notice is determined to be invalid, unlawful or unenforceable, the validity of the remaining provisions shall remain unaffected to the extent permitted by law.

The invalid or unenforceable provision shall be replaced, where legally possible, by a valid provision that most closely reflects the intended economic and legal purpose.

29. Contact

For questions regarding this Legal Notice, the website, our services or legal matters, please contact:

onPoint Finanzen GmbH
Okrifteler Straße 43
65931 Frankfurt am Main
Germany

E-mail: support@onpointfinanzen.com
Telephone: +33 6 48 88 94 80

Last updated: September 2024