Terms of Service
Last updated: January 2026
1. Acceptance of Terms
By accessing or using Alba Finance AI ("Alba", "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
2. Description of Service
Alba provides AI-powered financial planning and advisory services. Our Service includes personalized financial projections, goal tracking, and educational content about personal finance.
3. Financial Advice Disclaimer
Alba operates as a licensed fee-only financial advisor under German law (§34h GewO). While we provide personalized financial advice, please note:
- Past performance is not indicative of future results
- All investment involves risk, including potential loss of principal
- For complex tax matters, we recommend consulting a qualified tax advisor (Steuerberater)
- Our projections are based on assumptions that may not reflect actual market conditions
4. User Responsibilities
You agree to:
- Provide accurate and complete information about your financial situation
- Keep your account credentials secure and confidential
- Use the Service only for lawful purposes
- Not attempt to reverse engineer or compromise our systems
5. Intellectual Property
The Service and its original content, features, and functionality are owned by Alba Finance AI and are protected by international copyright, trademark, and other intellectual property laws.
6. Limitation of Liability
To the maximum extent permitted by law, Alba Finance AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.
7. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of any material changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the modified Terms.
8. 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 provisions.
9. Contact Us
If you have questions about these Terms, please contact us at legal@alba-wealth.com