Terms and Conditions

These Terms and Conditions apply to contracts between traMADA GmbH, Große Gallusstraße 14, 60313 Frankfurt am Main, Germany, and its customers concerning education, coaching, digital content, live formats, community, software/platform access, personal support, follow-up support, and subscriptions.

Customers may be consumers or businesses. A consumer is any natural person who enters into the contract predominantly for private purposes. A business acts, when entering into the contract, in the course of a commercial or independent professional activity. The purpose of the specific contract is decisive; details such as a company name, VAT identification number, billing address, or B2B selection do not remove mandatory consumer rights.

Individual agreements take precedence over these Terms and Conditions. Deviating terms of the customer apply only if traMADA expressly agrees to them in text form.

traMADA offers finance- and trading-related education. The specific scope of services follows from the product description, checkout, customer account, confirmation email, or individual agreement. Services may include, in particular, digital content, recordings, work materials, downloads, live formats, mentoring, webinars, community functions, journal, workspace, platform, or software access, follow-up support, subscriptions, personal coaching services, and individually agreed additional services.

No specific economic, professional, or trading-related result is owed.

traMADA may update content, processes, and technical functions for an objective reason, for example for security, troubleshooting, educational improvement, or technical and legal adjustments. Where digital products are supplied continuously, changes that go beyond required updates are made only in accordance with the statutory requirements. The agreed core of the service and mandatory customer rights remain protected.

The presentation of services on the website, app, landing pages, in webinars, messages, telephone calls, video calls, or other conversations does not yet constitute a binding offer unless expressly stated otherwise. A contract is concluded when the customer places an order or accepts an offer with binding effect and traMADA confirms, activates, invoices, or expressly accepts it. The contract language is German unless expressly agreed otherwise.

For consumer orders by telephone, video call, messenger, email, webinar, in-person conversation, or comparable sales channels, the information required by law is provided before the contractual declaration is made and in the form prescribed for the channel. If traMADA calls consumers for the purpose of concluding a contract, its identity and the commercial purpose of the call are disclosed at the beginning.

For paid online orders by consumers, the process, price, term, payment, restriction, and product information required by law is displayed at the prescribed points. Customers can identify and correct input errors before submitting the order; the contractual provisions, including these Terms and Conditions, can be accessed and stored when the contract is concluded. A payment obligation is triggered only by a clearly legible and unambiguously labelled payment button such as "order with obligation to pay" or equivalent unambiguous wording. If such an order situation is required by law and is not properly designed, a consumer contract is not concluded in accordance with Section 312j of the German Civil Code (BGB).

Receipt of an online order is confirmed electronically. After the contract is concluded, the customer receives the contract copy or confirmation required by law, containing the contract and the required information, on the durable medium prescribed in each case. For digital content, where required by law, consent to early performance and acknowledgement of its consequences are also recorded.

Complaints, service requests, and contract-related notices may be sent to info@tra-mada.de. For contract-related calls to telephone numbers provided by traMADA, traMADA charges no separate fee; the usual connection fees of the respective telecommunications provider may apply.

Paid services are generally intended for customers who are of legal age and have full legal capacity. Minors may use paid services and community, chat, upload, or trading-related functions only if traMADA permits this in the individual case and valid consent from their legal representatives has been given. A user account may be required for digital services. The customer must provide accurate information, keep access credentials confidential, and inform traMADA if misuse is suspected.

Access is personal. It may not be shared, transferred, sold, or made available to multiple persons without traMADA's consent. traMADA may suspend or restrict access where there are specific indications of misuse, legal violations, security risks, or material breaches of contract, to the extent necessary and proportionate. The customer's statutory rights remain unaffected.

The prices, payment methods, terms, and service components stated in the specific checkout, contract, customer account, offer, contract confirmation, or invoice apply. Where required by law, total prices including VAT and other price components, as well as any additional costs, are stated to consumers in the offer or checkout. Paid additional services, options, or other ancillary charges become part of a consumer contract only if expressly agreed; in electronic order processes, this is not done by means of preselected options. If a consumer price is personalized on the basis of automated decision-making, traMADA clearly discloses this before the contract is concluded.

traMADA currently offers one-time payments and subscriptions. Invoices are transmitted in the form permitted or required by law; for domestic business customers, this includes a structured electronic invoice where required by law. Business customers must provide accurate billing, tax, and company information and any necessary receiving channels. Payments are made using the stated payment methods. Payment providers may apply their own terms. Payment fees are charged to consumers only to the extent permitted by law.

Discounts, vouchers, trial periods, price advantages, struck-through prices, deadlines, or availability statements apply only according to the conditions stated in each case. Price reductions and comparative prices may be used only if the relevant reference price, period, and scope are accurately stated and can be substantiated; for price reductions relating to goods, the lowest total price prescribed by law also applies where relevant. A voluntary money-back guarantee exists only if expressly promised; in that case, the stated guarantee or promotion terms apply. Statutory rights of withdrawal, rights in respect of defects, and other consumer rights remain unaffected.

If the customer is in default of payment, traMADA may temporarily suspend access to paid services after reasonable notice, to the extent proportionate. Default, default interest, reminder and enforcement costs, and reimbursements are governed by statutory provisions and the specific contract.

One-time services run for the duration stated in the specific offer, checkout, customer account, contract, or confirmation. For subscriptions, the term, renewal, termination options, and billing interval follow from the checkout, customer account, contract confirmation, or individual agreement.

Consumer subscriptions contain only terms, renewals, and notice periods permitted by law. In particular, an initial term does not bind consumers for longer than permitted by law; the notice period before the end of the initially agreed contract term is no more than one month for consumers unless a more favorable rule applies. Changes to prices, scope of services, or billing intervals apply to consumers only prospectively and only if permitted by contract or law, clearly communicated, and subject to any required consent, termination, or objection rights. Service periods already bindingly agreed and paid for are not made more expensive unilaterally as a result.

An automatic renewal of consumer subscriptions occurs only for an indefinite period. The renewed contract may then be terminated with no more than one month's notice unless a more favorable statutory or contractual rule applies.

Customers may terminate subscriptions using the methods provided in the customer account, payment portal, or contract, or in text form to info@tra-mada.de. Where a termination function is provided in the customer account or payment portal, it may also be used. The term and notice periods agreed in the offer and mandatory statutory rights remain decisive.

Both parties retain statutory rights to early termination for cause. This applies in particular where continuing the contract is unreasonable in the individual case, for example due to account misuse, unauthorized sharing of protected content, or sustained payment arrears.

Live sessions, mentoring calls, coaching, and webinars take place at the agreed or announced times. Schedule changes may be necessary; in such cases, traMADA will offer a reasonable alternative date or an equivalent replacement service. If a customer does not attend an agreed appointment or cancels too late, the agreed remuneration may remain payable where traMADA duly offered the service and this is permitted by law. Expenses saved, alternative use of the service, mandatory consumer rights, and individual goodwill or rescheduling rules remain taken into account.

Live sessions are recorded only if this has been announced or is provided for in the relevant format. Participants may not record, publish, or disclose to third parties sessions, screens, audio, chat histories, transcripts, or non-public spoken content without the consent of traMADA and the affected participants. Statements, content, testimonials, screenshots, excerpts, names, images, or voices provided by customers in live sessions or through community, chat, comment, upload, or feedback functions may also be used by traMADA for references, testimonials, social media, and other external communications in accordance with Section 11.

Where consumers have a statutory right of withdrawal for a specific contract, the statutory requirements and consequences apply. Details can be found in the Withdrawal Instructions.

A withdrawal declaration can be prepared as an email using the Prepare withdrawal by email support page; the declaration is made only when the customer sends the email. For consumer contracts concluded online during the withdrawal period, such a support page does not replace any electronic withdrawal function required by law with actual transmission and immediate acknowledgement of receipt on a durable medium.

For digital content not supplied on a tangible medium and intended to be made available immediately, the right of withdrawal may expire under the statutory conditions. For paid contracts, this requires in particular express consent to performance beginning before the end of the withdrawal period, acknowledgement of its consequences, and any confirmation required by law on a durable medium.

The functionality, term, compatibility, interoperability, accessibility, continuity, security, version, technical requirements, and agreed updates of digital products follow from the product description, checkout, customer account, confirmation, or the information linked there. Digital content and digital services are supplied at the agreed time; if no time has been agreed, the statutory rules on supply without undue delay after conclusion of the contract apply. traMADA supplies required updates, including security updates, and provides information about them where required by law or contract. Customers should install supplied updates within a reasonable period. Statutory rights in respect of a defect may be excluded in accordance with Section 327f BGB if the defect is due solely to an omitted or improper installation, although traMADA duly informed the customer of the availability and consequences and provided defect-free installation instructions.

The customer's statutory rights in the event of defects in digital products, including subsequent performance, termination of the contract, price reduction, damages, or reimbursement of expenses, remain unaffected. Notices of defects may be submitted through the stated support or legal contact channels.

If a contract for digital products ends in accordance with statutory provisions, the statutory rules apply to continued use of the digital product, reimbursements, and content provided or created by the customer. Where required by law, upon request traMADA provides the customer free of charge, within a reasonable period, and in a commonly used machine-readable format with non-personal content that the customer provided or created while using the digital product. Statutory exceptions remain reserved, including for content that can be used only in the context of the product, relates exclusively to use, has been aggregated, or was generated jointly with others.

Where a service agreed in a specific offer is actually provided as a data processing service within the meaning of the EU Data Act, the product-related switching, export, and transparency information provided there applies. These general Terms and Conditions neither replace that information nor establish a generally owed cloud switching service outside the specific offer. Mandatory statutory obligations remain unaffected.

Tools, data sources, platform functions, or references to third-party providers form part of the contractual service only if agreed in the specific offer. Third-party providers may have their own terms, prices, and privacy information; traMADA does not owe their permanent, unchanged availability.

traMADA provides education and knowledge transfer. Content, market examples, chart discussions, strategies, exercises, checklists, live commentary, journal functions, software references, or tool demonstrations are not personal recommendations to buy, sell, hold, or trade specific financial instruments, crypto-assets, or other products and do not guarantee success.

In particular, traMADA does not provide:

• investment advice, fee-based investment advice, investment brokerage, contract brokerage, financial investment brokerage, fee-based financial investment advice, or portfolio management,
• investment recommendations, investment strategy recommendations, trading signals, copy trading, brokerage, order acceptance, order transmission, or order execution,
• management of accounts, portfolios, securities accounts, financial instruments, crypto-assets, private keys, customer funds, or customer transactions,
• crypto-asset services such as custody or administration of crypto-assets or means of access, advice, portfolio management, placement, order acceptance, order transmission, order execution, operation of a crypto-asset trading platform, exchange services, or transfer services,
• suitability or appropriateness assessments for financial instruments, crypto-assets, trading strategies, brokers, or account models.

traMADA does not accept customer funds, financial instruments, or crypto-assets and does not access customer accounts.

References to brokers, platforms, tools, or other third-party providers form part of traMADA's contractual service only if expressly agreed in the specific offer. Such references do not establish any guarantee of acceptance, activation, terms, brokerage, or success. traMADA does not provide legal, tax, or health advice. Information about law, taxes, broker terms, trading psychology, mindset, or risk behavior serves general educational purposes only and does not replace independent professional advice. traMADA does not make diagnoses, treat diseases, ailments, disorders constituting illness, addiction, or crisis situations, and does not provide psychotherapy or other medical treatment.

Each customer acts on their own responsibility. Before making real trading or investment decisions, the customer should consider their financial situation, experience, risk-bearing capacity, and, where appropriate, independent advice. The Risk Disclosure also applies.

All traMADA content is protected by copyright. Customers receive a non-exclusive, non-transferable right to use the content for their own learning purposes to the contractually agreed extent. Without traMADA's consent, content may not be reproduced, published, sold, disclosed to third parties, incorporated into the customer's own products, or systematically extracted. Access credentials may not be shared and protective measures may not be circumvented.

Community, chat, comment, upload, support, and live functions may not be used for unlawful content, infringements of rights, personal investment recommendations, trading signals, copy trading, order transmission, account access, regulated financial services, inside information, misleading rumors, market manipulation, trade secrets, or confidential account, customer, broker, platform, security, or access information. Customers may not initiate or promote insider dealing or pass on related recommendations and may submit only content for which they possess the necessary rights and consents; third-party rights, including copyright, trademark, personality, image, data protection, and confidentiality rights, may not be infringed.

For content that customers post in community, comment, upload, chat, live, feedback, testimonial, or comparable functions or provide to traMADA for these purposes, they grant traMADA a non-exclusive right of use unrestricted in territory and time. This covers operation, contract performance, support, security, moderation, legal enforcement and defense, as well as use for references, testimonials, social media posts, screenshots, excerpts, case studies, and other external communications by traMADA. Content may be used in excerpts, edited, and used in various online and offline media, provided the meaning of the statement is not distorted. Private support content, account data, payment data, and expressly confidential individual communications are not covered.

traMADA does not generally monitor user content in advance. Admins may review, moderate, document, suspend, or remove content and accounts where there are specific indications of legal violations, contractual breaches, security risks, or misuse. Automated tools may support the review but do not replace a final admin decision on suspensions or comparable measures. Affected customers may object to moderation measures by contacting info@tra-mada.de. Where the Digital Services Act applies, traMADA takes account of the rights and legitimate interests of all parties when applying these rules and acts diligently, objectively, and proportionately. Where required by law, traMADA states the principal reason for the measure and available remedies. traMADA provides appropriate notice of material changes to these use, community, or moderation rules.

Notices of unlawful content or infringements of rights may be sent to info@tra-mada.de. Verifiable notices should contain the exact electronic location, such as the URL or affected location within the service, a brief statement of reasons, the name and email address unless exceptionally not required by law, and confirmation that the information is accurate and complete to the best of the reporting person's knowledge. For reports concerning stored user content, traMADA acknowledges receipt where contact details are available and, where required by law, informs the reporting person of the decision, its principal reason, and available remedies.

Digital services such as the app, customer account, community, downloads, recordings, and payment portal are provided within technical and organizational capabilities. Temporary interruptions may arise in particular from maintenance, updates, security measures, network outages, or disruptions affecting external providers.

traMADA has unlimited liability for intent and gross negligence, for damage arising from injury to life, body, or health, for claims under the German Product Liability Act, guarantees assumed, defects fraudulently concealed, and other liability that is mandatory by law.

In the event of a slightly negligent breach of essential contractual obligations, traMADA's liability is limited in amount to the damage typical of the contract and foreseeable. traMADA is not liable for ordinary negligence outside such essential contractual obligations. Statutory consumer rights in respect of defects, rights concerning digital products, and mandatory withdrawal, termination, and other consumer rights remain unaffected.

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. For consumers, this choice of law applies only to the extent that it does not deprive them of mandatory consumer protection provisions of the state in which they have their habitual residence. Frankfurt am Main is agreed as the place of jurisdiction only if the customer is a merchant, a legal entity under public law, or a special fund under public law and no exclusive statutory place of jurisdiction takes precedence. No agreement on jurisdiction applies to consumers; statutory consumer venues remain unaffected.

Statutory rights of consumers, qualified entities, consumer associations, authorities, or other parties entitled to bring an action are not excluded or restricted by these Terms and Conditions. If a provision of these Terms and Conditions is invalid, the remaining provisions remain effective. The statutory provisions apply in place of the invalid provision.

traMADA GmbH is neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board.

Information about data processing can be found in the Privacy Policy.