Please read these Terms and Conditions (“Terms”) carefully before
accessing or using the website at www.cheaperthanguru.com and all
related websites, software, apps, and/or plug-ins (together the
“Service”) made available by CheaperThanGuru (“CTG”, “us”, “we” or “our”).
1. Acceptance of Terms
CTG operates the website www.cheaperthanguru.com (“Website”), a platform
that allows you to create a virtual stock portfolio and get information
about potential stock transactions. CTG does not provide financial advice
or recommendations to buy specific stocks. All material delivered through
the Website and Service is intended for informational purposes only.
Your access to and use of the Service is conditioned on your acceptance of
and compliance with these Terms. These Terms apply to all visitors, users
and others who access and/or use the Service.
By accessing or using the Service, whether as a visitor or user of the
Website, you agree to be bound by these Terms. These Terms serve to
protect and safeguard your rights, the rights of other users, our rights
and the rights of third parties in the course of operating the Website. If
part of the Service.
We reserve the right to change or adapt these Terms at any time and
without giving reasons with effect for the future. You will be notified of
these changes at least two weeks before they take effect by posting them
on the Website and should you have created a user account on our Website
by notifying your registered email address. You have the right to
immediately cancel and terminate your account on our Website if you do not
agree to the changes to the Terms. Changes shall be deemed approved by you
if you continue to use the Service after the new Terms come into effect.
The use of the Service is subject to the Terms in force at the time of
2. Accounts and Registration
You have the option of creating a user account on our Website so that you
can use the additional functions of the Website, in particular to create a
virtual stock portfolio and get information about potential stock
transactions. The opening of a user account can only take place with the
agreement to these Terms.
Upon registration, CTG and you enter into a contract for the use of the
Website and the Services. There is no claim to the conclusion of this
contract. CTG is entitled to refuse your registration without giving
You may only register with CTG if you are 18 years of age or if you act
with the consent of your parents or guardian to register under these
Terms. CTG reserves the right to verify the consent of your parents or
guardian. Therefore, you must provide an email address of your parents or
guardian when you register, so that we can obtain a declaration of consent
from your parents or guardian.
When you create an account with us, you must provide us with the
information and data requested by CTG that is accurate, complete, and
current at all times. If your data changes after registration, you are
obliged to correct the information in your account immediately.
You may not use as a username the name of another person or entity or that
is not lawfully available for use, a name or trademark that is subject to
any rights of another person or entity other than you without
authorization, or a name that is otherwise offensive, vulgar or obscene.
You are responsible for safeguarding the password that you use to access
the Service and for any activities or actions under your password, whether
your password is with our Service or a third-party service. If you are not
responsible for the misuse of your member account, you are not liable. You
agree not to disclose your password to any third party. You must notify us
immediately at [email protected] upon becoming aware of any breach
of security or unauthorized use of your account.
3. Restrictions on use of the Service and Content
3.1. You represent and warrant to CTG that by using the Service you will
impersonate any other person on the Services, e.g. a representative of CTG
or any other person responsible for the Services, or impersonate any
non-existent relationship with such persons;
use the Service and/or Website for the storage, publication and/or
transmission of "junk mails", chain letters, unsolicited bulk e-mails,
etc., or for any other purpose. "("spamming");
send any data or store any data on a CTG data carrier which, by its nature
or nature (e.g. viruses), size or reproduction (e.g. spamming), is
intended to impair or endanger the existence or operation of the Services
and the CTG data network;
make any electronic attacks of any kind on the Service or network; in
particular, the use of computer programs to automatically read out data
such as robots, spiders, etc. is prohibited;
use or exploit any metatags or other hidden texts containing the name or
trademark of CTG without the express written consent of CTG;
collect, store or use any personal information, including member names and
profiles, about other users;
- copy the look and feel of the Website.
4. Violation of Terms and Termination of Use
CTG reserves the right to restrict or suspend your access to the Services
in whole or in part at any time, without prior notice and excluding any
claim for damages on your part ("Suspension"), if there are reasonable
grounds for suspecting violations by you of these Terms and/or the
applicable Conditions of Participation.
If you prove within twelve (12) months after the Suspension that you have
not violated the Terms the applicable Conditions of Participation, CTG
will lift the Suspension. If such proof is not provided within the
12-month period, CTG is entitled to delete your member account including
all its data.
CTG expressly reserves the right to take legal action, in particular to
assert claims for damages or to file criminal charges.
5. Disclaimer of Warranty; Links to other third party sites
The use of the Service is at your own risk. The Website and the Service
are offered to you on an “as is” and “as available” basis. We do not
warrant that the Website or the Services will always be uninterrupted,
current, timely, secure, error-free or suitable for use for any particular
purpose or to achieve any particular result.
CTG does not guarantee that the content on the Website or on linked other
sites is correct or complete. The content of the users or external parties
does not reflect our opinions or views on life. The presence of links to
other websites does not imply that CTG endorses or recommends the linked
website. CTG has no influence on the contents of the linked external sites
and is not responsible for them. We strongly advise you to read the terms
and conditions and privacy policies of any third-party websites or
services that you visit. CTG is also not responsible for the advertising
of third parties published on the Website or for the goods or services
If CTG becomes aware of any violations of the law through content, links
to third-party websites or advertising published on the website, CTG will
immediately delete such content, links or advertising.
CTG accepts no responsibility for errors, omissions, interruptions,
deletions, defects, delays in operation or transmission, communication
line failures or unauthorized access or theft, destruction or modification
of user communications. Likewise, CTG is not liable for problems or
technical malfunctions in connection with telephone networks or lines,
online systems, servers or providers, computer equipment, software or for
failures of e-mails or players due to technical problems or data jams on
the internet and/or one of the Service, unless these are within the sphere
of influence of CTG.
We are liable for damages according to the statutory provisions unless
otherwise stated below. In the case of breach of obligation – on any legal
ground whatsoever – we are responsible for intent and gross negligence. In
the case of simple negligence, we are liable only for (i) damage due to
injury to life, body or health, and or (ii) damage due to serious breach
of a fundamental contractual obligation (obligation the performance of
which at all enables the due performance of the agreement and on the
compliance on which the contractual partner usually relies and is entitled
to rely). In that case, the liability is, however, limited to
reimbursement of foreseeable and typical loss.
The above limitations of liability also apply in favour of our employees,
staff, representatives and agents.
For claims under the Product Liability Act, the statutory provisions apply
Claims for damages against CTG shall become statute-barred after twelve
(12) months from the date of their creation, unless they are based on
intentional or grossly negligent acts.
You agree to defend, indemnify and hold CTG and its affiliates harmless from
and against any and all claims, damages, liabilities, losses or demands
arising out of or in connection with (i) your use and access to the Website
and/or Service; (ii) your violation of these Terms; (iii) infringement of
third party rights (copyrights, trademark rights, personal rights, etc.) by
you. The indemnity obligation includes the reasonable costs of legal
defence, in particular lawyer's fees, necessary to defend against such
8. Data Protection
9. Choice of law, place of jurisdiction
The law of the Federal Republic of Germany shall apply to the exclusion of
the UN Convention on Contracts for the International Sale of Goods. For
merchants, legal entities under public law and special funds under public
law, the place of jurisdiction is Berlin.
by us on the Website, constitute the sole agreement between you and CTG
regarding your use of the Website and the Services.
Should individual clauses of these Terms be wholly or partially invalid or
should these Terms contain gaps, this shall not affect the validity of the