Legal information

Terms of use

The english text is indicative. In case of dispute, the german version is authoritative.

1. General
The terms "Scalable Capital", "we" or "us" refer to the service provider of this website, this mobile app and the other online offerings (collectively, the "Digital Offering"), Scalable Capital Bank GmbH, with its registered office at Seitzstrasse 8e, 80538 Munich, Germany. The term "you" refers to the user and visitor of the Digital Offering.
2. Intended use
The Digital Offering is intended solely for the private use of natural persons residing in countries that meet the legal and contractual requirements to use Scalable Capital's service.
3. No offer
No contractual relationship between you and Scalable Capital is created solely by the retrieval of the data, information and any other content, including external content, from the Digital Offering (collectively, the "Content"), unless expressly provided otherwise. The Content does not constitute an offer that can be accepted by you without further action by Scalable Capital (invitatio ad offerendum). No offers to buy and/or sell financial instruments are made within the scope of the Digital Offering.
4. No consultation
The contents do not constitute investment, legal and/or tax advice. In particular, all content relating to funds, securities and/or other financial instruments (collectively "Financial Instruments") should not be construed as an individual investment recommendation of Financial Instruments. Financial Instruments and banking and investment services are subject to various risks, so that you should seek professional advice on financial, tax and/or legal issues if necessary.
5. Disclaimer
The Content is intended solely for the purpose of providing a general explanation of our banking and investment services. Unless otherwise contractually agreed between a client and Scalable Capital and/or required by law, we do not warrant, represent or otherwise assume any liability with respect to the completeness, timeliness and/or other accuracy of the Content nor for any damages caused by the unlawful or unauthorised use of the Content. Scalable Capital does not warrant that the Digital Offering and the Content will be error-free and/or free of viruses or other harmful components. Scalable Capital is entitled to suspend, interrupt or adjust the operation of the Digital Offering and/or access to the Digital Offering in whole or in part without prior notice.
6. External contents
The responsibility for external content, including linked websites, does not lie with us, but with the external content’s right holder and/or operator of the linked website. Where necessary, we have obtained the limited, non-exclusive, non-transferable rights to use the external content. We assume no guarantees, no assurances and no other liability with regard to the completeness, up-to-dateness, other correctness and/or legal conformity of this external content nor for any damages caused by the unlawful or unauthorised use of this external content. We have carefully checked the linked contents for their legal conformity. However, subsequent adjustments to this external content are not checked on an ongoing basis. If we receive indications of illegal content, we will check this and, if necessary, remove the external content from our Digital Offering.
7. Copyright and ancillary copyright
The Content (in particular texts, financial data, photos and graphics) are subject to German or other laws, in particular copyright and ancillary copyright laws. Duplication, dissemination, reproduction or other exploitation (collectively "Exploitation") of any of this content is not permitted unless done in compliance with this legal framework. In general, any Exploitation requires the consent of the respective rights holder. Linking to the Digital Offering or the Content from other websites is not permitted without the consent of Scalable Capital.
8. Miscellaneous
We may amend these provisions at any time. Should individual parts of these Terms of Use be or become invalid, the validity of the remaining contents shall remain unaffected. Subject to any contractual agreements to the contrary, these Terms of Use shall be governed by German law. The exclusive place of jurisdiction is Munich, if legally permissible.

Status: September 2025