Terms of Service

These Terms of Service ("Terms") govern your access to and use of dks-factoring.org (the "Website"), operated by DKS Dienstleistungs-Kontor Süd GmbH, Nagelsweg 55, 20097 Hamburg, Deutschland. By using the Website, you agree to these Terms.

1. Nature of the Website

The Website provides general, informational content about factoring and receivables financing. It is intended to help visitors understand common terminology and structures used in this field. The Website does not offer, sell, broker, or facilitate any financial product or service, and no application, credit assessment, or financial transaction can be completed through it.

2. No advice, no offer

Content on this Website is provided for general information purposes only and does not constitute financial, legal, tax, or investment advice, nor an offer or solicitation to enter into any agreement. Figures, percentages, and examples used to illustrate concepts are indicative and general; they are not quotations, guarantees, or commitments of any kind. You should seek independent, qualified advice before making any financial decision.

3. Acceptable use

You agree to use the Website only for lawful purposes and not to: attempt to gain unauthorised access to the Website or its underlying systems; interfere with the Website's normal operation; copy, scrape, or redistribute substantial portions of its content without permission; or use the Website to transmit unlawful, harmful, or infringing material.

4. Intellectual property

Unless otherwise indicated, the text, layout, graphics, and logo of the Website are the property of DKS Dienstleistungs-Kontor Süd GmbH or its licensors and are protected by applicable intellectual property laws. Photographs used on the Website are sourced under free-to-use licences from their respective platforms. You may view and print pages for personal, non-commercial reference, but may not reproduce or redistribute content for commercial purposes without prior written consent.

5. Third-party links and embedded content

The Website may include links to third-party websites or embedded content, such as maps, which are provided for convenience only. We do not control and are not responsible for the content, accuracy, or availability of third-party sites.

6. No warranties

The Website is provided "as is" and "as available". While we take reasonable care to keep information accurate and up to date, we make no warranty, express or implied, that the content is complete, accurate, or free of errors, or that the Website will be uninterrupted or error-free.

7. Limitation of liability

To the extent permitted by applicable law, DKS Dienstleistungs-Kontor Süd GmbH shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, the Website, or from reliance on any information published on it. Nothing in these Terms limits liability for death, personal injury caused by negligence, fraud, or any other liability that cannot be excluded under German law.

8. Changes to the Website and these Terms

We may update, suspend, or discontinue any part of the Website, and may revise these Terms from time to time. The version published on this page is the version in effect; continued use of the Website after changes take effect constitutes acceptance of the revised Terms.

9. Governing law

These Terms are governed by the laws of the Federal Republic of Germany. Where permitted by mandatory consumer protection rules, the courts of Hamburg shall have jurisdiction over any dispute arising from these Terms.

10. Contact

Questions about these Terms can be sent to support@dks-factoring.org or by post to the address above.