Terms and conditions
As at: 13 June 2026
§ 1 Scope and provider
(1) These terms of use apply to the use of the website https://www.vorsorgedepot-lotse.de (“Vorsorgedepot-Lotse”, hereinafter “the website”), operated by SCAILE Technologies GmbH, Jungfrauenthal 8, 20149 Hamburg (hereinafter “we”/“us”). Further information about the provider can be found in the Legal notice (Impressum).
(2) Use of the website is free of charge. By using the website, you accept these terms. Any deviating terms of users shall not apply.
§ 2 Description of services
(1) The website is an editorial information offering on the Altersvorsorgedepot (AVD) and state-subsidised private retirement provision. We provide content such as guides, overviews, comparisons and interactive tools (e.g. a Förderrechner).
(2) We are entitled to change, expand or discontinue the scope of functions of the website at any time, provided this is reasonable for users.
§ 3 No advice; nature of the content
(1) All content on the website serves exclusively for general, non-binding information. It does not constitute legal, tax, investment, financial or insurance advice and does not replace individual advice from persons authorised to provide it.
(2) The calculation results of interactive tools (e.g. the Förderrechner) are non-binding model calculations based on the values you enter and the underlying assumptions and parameters. They do not constitute a commitment, forecast or recommendation.
(3) We endeavour to ensure the accuracy and currency of the content, in particular when reproducing statutory provisions. However, statutory frameworks may change; the official sources are always authoritative.
§ 4 Usage rights to content
(1) All content on the website (text, graphics, tables, software, layout) is protected by copyright. It may be accessed and printed for personal, non-commercial use.
(2) Any further reproduction, distribution or making available to the public — even in part — requires our prior written consent. The right of quotation (§ 51 UrhG) remains unaffected; quotations must cite the source (https://www.vorsorgedepot-lotse.de).
§ 5 Availability
We endeavour to keep the website available with as little interruption as possible. There is no entitlement to continuous availability; maintenance work, further development or disruptions may result in temporary restrictions.
§ 6 Liability
(1) We are liable without limitation for intent and gross negligence, as well as for damages resulting from injury to life, body or health.
(2) In the case of simple negligence, we are only liable for damages resulting from the breach of material contractual obligations (obligations whose fulfilment is essential for the proper use of the website in the first place and on whose observance users may regularly rely); in this case, liability is limited to the foreseeable damage typical for this type of contract.
(3) Liability is otherwise excluded. Liability under the Produkthaftungsgesetz (Product Liability Act) and for guarantees we have assumed remains unaffected.
(4) The foregoing limitations also apply for the benefit of our legal representatives and vicarious agents.
§ 7 Changes to these terms
We may amend these terms of use with effect for the future, insofar as this is necessary for objective reasons (e.g. a change in the legal situation or the scope of functions) and reasonable for users. The version published on this page at any given time shall apply.
§ 8 Final provisions
(1) The law of the Federal Republic of Germany applies. Vis-à-vis consumers, this choice of law only applies to the extent that it does not deprive them of the protection afforded by mandatory provisions of the law of the country of their habitual residence.
(2) Should individual provisions of these terms be or become invalid, the validity of the remaining provisions shall remain unaffected.
§ 9 Consumer dispute resolution
The European Commission’s former platform for online dispute resolution was available at https://ec.europa.eu/consumers/odr and has been discontinued as of 20 July 2025.
We are not willing and not obliged to participate in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG).