Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using the Brightlevelium website (brightlevelium.top) and related services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you and Brightlevelium GmbH.

If you do not agree to these Terms, you must not access or use our website or services. Your continued use of our services after any modifications to these Terms constitutes acceptance of such changes.

2. Company Information

These services are provided by:

3. Description of Services

Brightlevelium provides educational content and resources related to personal finance, including but not limited to:

• Educational articles and guides on budgeting, saving, and investing
• Financial literacy content tailored for the European market
• Tools and resources for personal financial planning
• Information about financial products and services available in Europe

Our content is for educational purposes only and does not constitute personalized financial advice. We recommend consulting with qualified financial professionals for advice tailored to your specific circumstances.

4. User Obligations and Responsibilities

When using our services, you agree to:

Acceptable Use

• Use our services only for lawful purposes and in accordance with these Terms
• Provide accurate and truthful information when contacting us or using our services
• Respect the intellectual property rights of Brightlevelium and third parties
• Not interfere with or disrupt the operation of our website or services

Prohibited Activities

You agree not to:

• Use our services for any illegal or unauthorized purpose
• Transmit viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems or data
• Copy, reproduce, or distribute our content without permission
• Impersonate Brightlevelium or any of our employees or representatives
• Use automated systems to access our website without authorization

5. Intellectual Property

All content, materials, and intellectual property on the Brightlevelium website, including but not limited to text, graphics, logos, images, software, and design elements, are owned by or licensed to Brightlevelium GmbH and are protected by German and international copyright, trademark, and other intellectual property laws.

License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our website and content for personal, non-commercial purposes, subject to these Terms. This license does not permit you to:

• Modify, copy, or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove or alter any copyright, trademark, or proprietary notices
• Reverse engineer or attempt to extract source code from our website

User-Generated Content

If you submit any content to us (such as feedback, questions, or comments), you grant Brightlevelium a non-exclusive, worldwide, royalty-free license to use, modify, and display such content in connection with our services.

6. Disclaimers and Educational Purpose

Educational Content Only

The information provided on our website is for educational and informational purposes only. It should not be considered as personalized financial advice, investment recommendations, or professional consultation. Financial decisions should be made based on your individual circumstances and in consultation with qualified financial professionals.

No Guarantee of Results

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, or reliability of any content on our website. Financial markets and regulations change frequently, and past performance does not guarantee future results.

Third-Party Content

Our website may contain links to third-party websites or reference third-party products and services. We do not endorse or assume responsibility for the content, policies, or practices of any third-party websites or services.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Brightlevelium GmbH, its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to:

• Your use of or inability to use our website or services
• Any financial decisions made based on information from our website
• Any errors, omissions, or inaccuracies in our content
• Any unauthorized access to or use of our servers or personal information
• Any interruption or cessation of transmission to or from our website

Maximum Liability

In no event shall our total liability to you for all damages, losses, or causes of action exceed the amount you have paid to us in the twelve (12) months preceding the claim, or €100, whichever is greater.

8. Indemnification

You agree to indemnify, defend, and hold harmless Brightlevelium GmbH and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

9. 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 is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

10. Modifications to Services and Terms

We reserve the right to modify, suspend, or discontinue our services (or any part thereof) at any time, with or without notice. We may also update these Terms periodically to reflect changes in our practices, legal requirements, or other factors.

We will notify you of any 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.

11. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. You may also terminate your use of our services at any time by discontinuing access to our website.

Effect of Termination

Upon termination, your right to use our services will cease immediately. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Hamburg, Germany.

For users within the European Union, nothing in these Terms affects your rights as a consumer under applicable EU consumer protection laws.

13. Dispute Resolution

We encourage you to contact us directly to resolve any disputes or concerns. If you have any complaints or disputes, please contact us at:

For EU consumers, you may also use the European Commission's Online Dispute Resolution platform available at ec.europa.eu/consumers/odr.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Brightlevelium GmbH regarding the use of our services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning the subject matter.

16. Contact Information

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