Terms of Use

Version of 1st April 2020


1. Binding nature of the Terms of Use

By accessing the 21.finance AG website (including www.area2invest.com), you acknowledge the legally binding effects of the following Terms of Use and Legal Notice (hereinafter referred to as “Terms of Use”). If you do not agree or are subject to access restrictions, please refrain from accessing the website of 21.finance AG.

21.finance AG reserves the right to amend or modify these Terms of Use from time to time. You should therefore check these Terms of Use regularly or each time you access the 21.finance AG website to check whether they have changed and, if so, whether you also agree with the current version. You will find the respective the date of updating and version at the beginning of these Terms of Use.


2. Access restrictions

When accessing the 21.finance AG website, you must comply with applicable laws and observe any local restrictions. Information, data, texts, graphics, images, video clips and other publications (hereinafter referred to as “Information”) on the 21.finance AG website are in particular not intended for persons from countries in which access to and dissemination of such Information or Internet websites would require prior registration, approval or authorisation by 21.finance AG. Furthermore, access to the 21.finance AG website and the retrieval of information on the 21.finance AG website is not permitted by persons who, due to their minority, their place of residence, their nationality or for other reasons, are subject to a legal system under which access to such information or Internet sites is unlawful.

Persons, in respect of whom such prohibitions apply, must not access the 21.finance AG website. Please check in advance the relevant laws and restrictions applicable in your place of residence or applicable to you.


3. No Recommendation, No Offer

Information, opinions, services, data, tools and documents (“Website Content”) contained or described on the 21.finance AG website are for informational purposes only and do not constitute an advertisement or recommendation, nor an offer or solicitation to subscribe (or purchase) or redeem (or sell) any investment, to effect any transaction or to conclude any legal act.

Financial investments mentioned on the 21.finance AG website are not suitable for all investors. Information provided on the 21.finance AG website does not constitute financial, legal, tax and/or other advice. Investment or other decisions should not be made solely on the basis of the information provided. 21.finance AG recommends that you contact an independent financial advisor or asset manager in order to determine whether the investment meets your specific needs and risk profile. In addition, 21.finance AG recommends that you consult an independent tax advisor in order to obtain information on the tax regulations associated with a specific investment in your jurisdiction with regard to your personal circumstances.

The information on the 21.finance AG website is not directed at investors who are citizens of the USA. Nothing herein constitutes an offer or solicitation to invest in projects in the USA.

Unless expressly stated or agreed otherwise, 21.finance AG does not accept orders placed via a message through the window on the website, by e-mail or by telephone.


4. No guarantee for the up-to-dateness, correctness or completeness of the information.

The contents of the website may be changed at any time and without prior notice. 21.finance AG and/or its affiliates do not warrant or make any representations (including to third parties) as to the accuracy, correctness, completeness or timeliness of the content of the 21.finance AG website. In particular, 21.finance AG is not obliged to remove any outdated information from its website or to expressly mark it as such. The dissemination of the contents of the Internet website and their reproduction in whole or in part are not permitted. All data available via the 21.finance AG website, including but not limited to financial market data, price data, news, research or other financial information, is based on sources that are deemed reliable and have been carefully selected. All available information is provided to the user on an “as is” basis without any representations or warranties, express or implied, as to quality, originality, infringement of intellectual property or fitness for a particular purpose.

The fact that a user accesses this website does not make him a client of 21.finance AG and/or any of its affiliated companies.

Opinions, estimations and forecasts on the 21.finance AG website are made by their authors and as of the date of writing and do not necessarily reflect the views of 21.finance AG. They are subject to change at any time without notice. 21.finance AG and its contractual partners have the right to withdraw or change information, data and documents as well as the services described herein at any time and without prior notice. All information marked with a date is published exclusively for that date. There is no obligation or responsibility to update or amend such information.


5. Risk Warning

The review of the “Investor Information Sheets” provided by issuers is carried out in accordance with the legal requirements including the regulations issued in this regard, in any case only with regard to coherence (in particular also the absence of contradictions with the General Terms and Conditions between issuers and investors as well as between issuers and 21.finance AG and/or its affiliated companies), completeness (in particular with regard to the provision of all information in accordance with the legal requirements including the regulations issued in this regard), and comprehensibility. As a matter of principle, financial market prospectuses or other contracts underlying an issue are not reviewed by 21.finance AG. The accuracy of this information is expressly not confirmed by 21.finance AG and/or its affiliated companies and is the sole responsibility of the respective issuer.

A positive performance of investments made in the past is no guarantee of a positive performance in the future. The risk of price and foreign currency losses as well as fluctuations in returns due to an unfavourable development of exchange rates for the investor cannot be excluded. There is a possibility that investors may no longer get back the amount they invested or may not get it back in full.

We expressly point out that certain investments are highly volatile. Such investments may be subject to high fluctuations in value, the extent of which may correspond to the amount invested. Investments made may also not be immediately realisable. It may therefore be difficult for investors to sell an investment, realise the gain or obtain reliable information about its value or the extent of the risk to which the investment is exposed.


6. Linked Internet Pages (links)

21.finance AG has no influence on the design and content of the websites of other operators (hereinafter referred to as “third-party websites”), which may be linked to the 21.finance AG website or contain links to the 21.finance AG website. Therefore, 21.finance AG and/or its affiliated companies cannot accept any responsibility for the accuracy, completeness, up-to-dateness, and compliance of the content of third-party websites or for any information, offers or services contained therein. The responsibility and liability for linked third-party websites lies with the respective operators.

For links leading from a third-party website to the 21.finance AG website, the prior written consent of 21.finance AG must be obtained.


7. Third party social media services

Social media are services with Internet pages that are operated by third-party providers and therefore neither belong to 21.finance AG nor are managed by 21.finance AG. The social media presences of 21.finance AG are a service provided without any guarantee as to the permanent accessibility and proper functioning of the services or the suitability for specific purposes. The comments or activities of users resulting from the forwarding of 21.finance posts by users to third-party services or otherwise cannot be controlled, confirmed, influenced or monitored by 21.finance AG. Communication regarding business relationships with customers via social media is excluded. In addition, 21.finance AG accepts no responsibility or liability for compliance with data protection or data security by the third-party service providers or the operators of third-party websites linked via the services.


8. Changes or additions to information

21.finance AG reserves the right to amend or supplement the information provided at any time without notice or to remove information in whole or in part. However, 21.finance AG is not obliged to delete information that is no longer current or to expressly mark it as such.


9. Property rights

All rights, titles and claims to the 21.finance AG website, and the information and programs contained therein (copyrights, trademarks, logos, patents, other intellectual property rights and other rights) are the property of 21.finance AG or of the respective legal owner. The saving or printing of individual pages and/or sections of the 21.finance AG website is only permitted for private and internal purposes and provided that neither the copyright notices nor other legally protected designations are removed. Even after saving, printing or otherwise using information or programmes, all rights remain with 21.finance AG or with the respective legal owner. The (complete or partial) reproduction, in particular the use of texts, parts of texts or image material, the transmission (electronically or by other means), modification, linking or use of the  21.finance AG website for public or commercial purposes requires the prior written consent of 21.finance AG.

The contents and rights of third parties are marked as such. Their copyrights, patent rights, trademark rights, property rights or other protective rights must also be respected. In order to be able to use the content of third parties, their consent or corresponding rights of use are usually required.


10. No Liability (Disclaimer)

Any liability of 21.finance AG and/or its affiliated companies for direct or indirect losses (including lost profits), damages, liability claims, demands, costs or consequential damages that may arise from the use of or access to the 21.finance AG website or due to links to Internet sites of third parties or that may arise from the retrieval of information on the 21.finance AG website is expressly excluded. This also applies to liability due to negligence and even if 21.finance AG and/or its affiliated companies were aware of the possibility of such consequences.

In addition, 21.finance AG and/or its affiliated companies disclaim any liability for manipulation of the user’s IT system of any kind whatsoever. Express reference is made to the dangers of viruses or other harmful programs and to the possibility of hacker attacks. The use of current browser versions and anti-virus software is therefore strongly recommended.


11. Data Protection and security during data transmission

Please read our Privacy Policy, which informs you about the handling of personal data and data protection by 21.finance AG and/or its affiliated companies.


12. Severability clause

Invalidity, illegality or ineffectiveness of individual or several provisions of these Terms of Use shall not prevent the binding force of the entire work.


13. Contradictory regulations

Certain Internet pages or areas of the 21.finance AG website may contain additional notices, statements, terms or conditions (hereinafter referred to as “Provision”). In the event of a conflict between these Terms of Use and the Provisions, the Provisions for the respective Internet pages or areas shall prevail.


14. Applicable Law and Place of Jurisdiction

User’s access to the 21.finance AG and its use, as well as these Terms of Use are subject to (substantive) Liechtenstein Law and to the exclusion of the conflict-of-law rules of private international law. The provisions of the UN Convention on Contracts for the International Sale of Goods shall not apply.


The place of jurisdiction shall be determined in accordance with the mandatory statutory provisions. Insofar as such provisions do not apply, Vaduz (Liechtenstein) shall be the exclusive place of jurisdiction in connection with all proceedings and disputes arising directly or indirectly from the relationship with a user – including those concerning its existence or non-existence. However, 21.finance AG is expressly authorised to assert its rights against a user also before the competent court at the user’s domicile/registered office or any other competent court.