General Terms and Conditions

1. Scope and provider

(1) These General Terms and Conditions (GTC) apply to the use of the JMRKT Budget budget application and the JMRKT public website (collectively "the Service").

(2) Provider and contractual partner is Justin Mkrtcjan, Glückaufstraße 1F, 31157 Sarstedt, Germany, email: support@jmrkt.com (“Provider”, “we”).

(3) These General Terms and Conditions apply in the version valid at the time the contract is concluded. Deviating or supplementary conditions of the user do not become part of the contract unless we expressly agree to their validity in text form.

(4) A consumer is any natural person who uses the service for purposes that cannot primarily be attributed to their commercial or independent professional activity.

2. Description of services

(1) JMRKT Budget is a tool for manual budget planning. Users enter their categories, monthly values ​​and sub-items themselves; the service stores and displays this data across devices.

(2) The public website offers editorial guidance on financial products in the form of comparisons, guides and product overviews.

(3) The service expressly does not include: access to bank accounts, automated account connection, import of sales and any form of investment, tax or legal advice. There is no brokering of financial investments or insurance within the meaning of Sections 34c, 34d and 34f GewO.

(4) The range of functions results from the current description on the website and in the service.

3. Conclusion of the contract and registration

(1) Use of the public website is possible without registration. A user account is required to use JMRKT Budget.

(2) By submitting the registration form, you are making an offer to conclude a user agreement. The contract is concluded when we activate the account or confirm access to you.

(3) The prerequisite for registration is that you have the 18. You have completed your year of life and have unlimited legal capacity. We can delete accounts of people under 18 years of age.

(4) The data provided during registration must be accurate. Email address changes must be updated in the account so that we can contact you.

(5) There is no entitlement to registration.

4. Account and access data

(1) You are responsible for maintaining the confidentiality of your password and are liable for activities that occur through your account to the extent that you are responsible for them.

(2) If you suspect unauthorized use, please inform us immediately at support@jmrkt.com and change your password.

(3) One account is permitted per natural person, unless expressly agreed otherwise. Passing on the account to third parties is not permitted.

5. Obligations when using

(1) The following are particularly prohibited:

• automated access to the service interfaces without our permission, for example through scraping or bots,
• circumventing or compromising security measures,
• Actions that jeopardize the availability or integrity of the service,
• the use of the service for illegal purposes or to store illegal content,
• pretending to be someone else's identity.

(2) If there is a violation of paragraph 1 or other essential obligations under these General Terms and Conditions, we can temporarily block access. Before blocking, we will inform you of the violation and give you the opportunity to remedy the situation, provided this is reasonable under the circumstances and there is no serious violation. The right to extraordinary termination according to section 12 paragraph 4 remains unaffected.

6. Availability and further development

(1) We strive to ensure the highest possible availability of the service, but we do not owe a specific availability quota.

(2) Availability may be temporarily limited due to maintenance work, disruptions to hosting or third-party providers, necessary security measures and circumstances beyond our control. If possible, we announce planned maintenance work in advance.

(3) We are continually developing the service. Functions can be adjusted, supplemented or discontinued as long as this is reasonable for you and does not jeopardize the purpose of the contract. We will announce the discontinuation of an essential function at least six weeks in advance in text form; In this case, you can terminate the contract extraordinarily until the change takes effect.

(4) We have the right to discontinue the service altogether. We will announce the discontinuation in text form at least three months in advance and provide you with an export option for your data until the end of this period.

7. Rights to Content

(1) The service including software, design, texts, comparisons and databases is protected by copyright. You receive a simple, non-transferable right, limited to the term of the contract, to use the service as intended.

(2) The budget data you enter remains your data. We only receive the rights that are necessary to provide the service - in particular for storing, displaying and backing up. Your budget data will not be evaluated for advertising or analysis purposes.

(3) Editorial content on the website may be read and saved for private, non-commercial purposes. Any further use requires our consent in text form.

8. Data export and data backup

(1) You can export your budget data at any time in a common, machine-readable format.

(2) We carry out data backups as part of proper operation. These do not replace your own backup. We recommend exporting regularly, especially before deleting the account.

(3) The processing of personal data is described in the data protection declaration.

9. Advertising and affiliate links

(1) Public comparison, product and advice pages may contain advertising if you have agreed to the relevant category in the consent banner.

(2) The personal area of the application under /app as well as settings, registration and administration remain ad-free.

(3) Individual links may be affiliate links. A commission may be incurred if a transaction is made via such a link; This will not incur any additional costs for you. The selection, order and editorial evaluation of the products presented remain unaffected. Further information can be found in the legal notice.

10. Content and personal responsibility

(1) You are responsible for the budget data you enter.

(2) The editorial content is created with care, but cannot reflect conditions, prices and product features completely and up-to-date at all times. The information provided by the respective provider is always decisive.

(3) You are responsible for making decisions based on the Service. The information provided does not replace individual advice from a qualified specialist.

11. Liability for defects

(1) To the extent that the regulations on contracts for digital products (§§ 327 ff. BGB) apply to the contract, the statutory provisions apply. In this context, we provide updates that are necessary to maintain the contractual conformity of the service and inform you about these updates (§ 327f BGB).

(2) Otherwise, the statutory regulations apply.

12. Term and termination

(1) The usage contract is concluded for an indefinite period of time.

(2) You can terminate the contract at any time without notice by deleting your account or by notifying us support@jmrkt.com send.

(3) We can terminate the contract in text form with a notice period of 30 days to the end of the month.

(4) The right to extraordinary termination for good cause remains unaffected for both parties. For us, an important reason exists in particular if there is a serious or repeated violation of Section 5.

(5) Once the termination takes effect, your account and the associated budget data will be deleted. Statutory retention obligations remain unaffected. Before canceling, back up your data using the export function.

13. Changes to these Terms and Conditions

(1) We may change these Terms and Conditions if this is necessary to adapt them to a changed legal situation or case law, to close a regulatory gap, or to reflect changes to the service that do not affect the purpose of the contract. Changes that affect the relationship between performance and consideration or that affect essential contractual obligations are excluded.

(2) We will announce changes in text form at least six weeks before they take effect. The announcement will contain the amended terms, the effective date and a reference to your right to object.

(3) If you do not object by the time they take effect, the changes are deemed to have been accepted. We will inform you about this episode separately in the announcement.

(4) If you object, we can terminate the contract at the time the change takes effect. Until then, the previous conditions continue to apply.

14. Liability

(1) We are liable without limitation in the event of intent and gross negligence, in the event of injury to life, body or health, within the scope of a guarantee provided and in accordance with the Product Liability Act.

(2) In the event of a simple negligent breach of an essential contractual obligation, our liability is limited to the amount of foreseeable damage that is typical for the contract. Essential contractual obligations are those whose fulfillment makes the proper execution of the contract possible and on whose compliance you can regularly rely.

(3) Furthermore, liability for simple negligence is excluded.

(4) We are only liable for the loss of data up to the amount that would have been incurred if you had properly and regularly backed up the data to restore it.

(5) The above restrictions also apply to the benefit of our legal representatives and vicarious agents.

15. Final provisions

(1) The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods. For consumers, this choice of law only applies to the extent that it does not take away the protection granted by mandatory provisions of the law of the country in which the consumer has his or her habitual residence.

(2) I am neither willing nor obliged to take part in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG).

(3) Notices under this Agreement will be made in text form to the email address stored in the account.

16. Contact

Questions about these Terms and Conditions: support@jmrkt.com