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Terms of Service

Last updated: 1 July 2026

1. Acceptance of these terms

By accessing or using the website afg-stuttgart.org (the "Website"), operated by AFG Allgemeine Factoringgesellschaft mbH, Hauptstraße 20, 70563 Stuttgart, Deutschland ("AFG", "we", "us"), you agree to these Terms of Service. If you do not agree, please do not use the Website.

2. Purpose of the Website

The Website provides general, informational content about factoring, invoice financing, and business liquidity concepts. The Website does not offer, sell, broker, or facilitate any paid product or service. No transaction, application, or purchase can be completed through this Website.

3. No professional advice

Content on the Website is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. You should not rely on any content here as a substitute for advice from a qualified professional familiar with your specific circumstances.

4. Accuracy of content

We take reasonable care to keep information on the Website accurate and up to date, but we make no representation or warranty, express or implied, that any content is complete, accurate, or suitable for a particular purpose. Factoring practices, terminology, and typical terms can vary between providers and jurisdictions.

5. Acceptable use

When using the Website, you agree not to:

  • Use the Website for any unlawful purpose or in violation of these Terms;
  • Attempt to gain unauthorised access to any part of the Website or its underlying systems;
  • Interfere with or disrupt the operation of the Website;
  • Reproduce, distribute, or republish substantial portions of the Website's content without permission, except as permitted by applicable law.

6. Intellectual property

Unless otherwise indicated, the text, layout, and design of the Website are owned by or licensed to AFG Allgemeine Factoringgesellschaft mbH and are protected by applicable intellectual property laws. Photographs used on the Website are sourced from third-party providers under their respective free-use licences.

7. Third-party links and content

The Website may reference or link to third-party resources for context. We do not control and are not responsible for the content, accuracy, or availability of any third-party website.

8. Limitation of liability

To the fullest extent permitted by applicable law, AFG Allgemeine Factoringgesellschaft mbH shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, the Website or reliance on any content published on it.

9. Changes to the Website or these Terms

We may update the Website's content or these Terms of Service at any time. Changes take effect once published on this page. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

10. Governing law

These Terms are governed by the laws of the Federal Republic of Germany, without regard to conflict-of-law principles. Any disputes shall, to the extent permitted by law, be subject to the jurisdiction of the courts responsible for Stuttgart, Germany.

11. Contact

Questions about these Terms of Service can be sent to support@afg-stuttgart.org or +49 0711 666320.