Terms and Conditions

Last updated: May 2026

These Terms and Conditions apply to your access to and use of graziamanagement.com, operated by Grazia Capital Management GmbH under the brand name Grazia Capital Management.

By accessing, browsing, registering, submitting a form, using an account, clicking partner links, using website tools, or interacting with any part of graziamanagement.com, you agree to these Terms and Conditions. If you do not agree, you should stop using the website.

Section 1 - Use of the Website, Accounts, Services, and User Responsibilities

Brand name

Grazia Capital Management

Company name

Grazia Capital Management GmbH

Legal name

Grazia Capital Management GmbH

Website

graziamanagement.com

Address

Falkertstraße 10, 70176 Stuttgart, Deutschland

Phone

+4961329999116

Phone

+4961329999150

General email

info@graziamanagement.com

Support email

support@graziamanagement.com

Privacy email

info@graziamanagement.com

Registration number

HRB 764855, Amtsgericht Stuttgart

BaFin-ID

10151769

LEI

3912005NOJVEW90NK933

EUID

DEB8534.HRB764855

Managing Director

Alexander Manfred Rauschenbusch

The website may provide general information, product pages, service pages, partner links, comparison content, educational content, promotional content, tools, forms, account features, contact options, and support features.

Unless clearly stated otherwise, the content on graziamanagement.com is provided for general informational purposes only. It does not represent legal, financial, tax, accounting, investment, credit, insurance, or professional advice.

You agree to use the website only for lawful purposes and in a way that does not harm Grazia Capital Management, other users, third-party providers, partners, affiliates, or the operation of the website.

You agree that you will not:

• Use the website for fraud, spam, abuse, or unlawful activity
• Submit false, misleading, or inaccurate information
• Impersonate another person or company
• Attempt to access another user's account
• Attempt to bypass security controls
• Interfere with the website's normal operation
• Upload malware, harmful code, or malicious files
• Use bots, scrapers, crawlers, or automated tools without permission
• Copy, scrape, reproduce, or extract website content without permission
• Misuse contact forms, support forms, application forms, or account features
• Violate third-party rights, including intellectual property rights
• Use the website in a way that damages our reputation, systems, users, or partners

If accounts are available on the website, you are responsible for keeping your login details secure. You must not share your password, authentication token, reset link, verification link, or account access with unauthorized persons.

You are responsible for all activity that happens under your account unless the activity was caused by our failure to apply reasonable security measures.

You must notify us as soon as possible if you believe your account has been accessed without authorization.

We may suspend, restrict, or terminate access to the website or account features if we believe that:

• You breached these Terms and Conditions
• You submitted false or misleading information
• Your account is being misused
• Your activity may harm the website or other users
• Your activity may create legal, security, fraud, or compliance risk
• We are required to do so by law, court order, regulator, provider, or security requirement

The website may include third-party links, partner offers, affiliate links, advertisements, comparison tables, product cards, banners, buttons, or sponsored content.

Third-party products and services are provided by the relevant third party, not by Grazia Capital Management, unless clearly stated otherwise.

We are not responsible for:

• Third-party websites
• Third-party products
• Third-party services
• Third-party prices
• Third-party terms
• Third-party privacy policies
• Third-party availability
• Third-party approval decisions
• Third-party customer support
• Third-party errors or omissions
• Third-party security practices

If you click a third-party link, submit information to a third party, apply for a product, purchase a service, or complete a partner action, that third party's own terms, conditions, fees, eligibility rules, approval process, and privacy policy may apply.

Some links, listings, buttons, product cards, banners, comparison tables, or offer pages may be affiliate links or commercial partnerships. This means Grazia Capital Management may receive compensation if you click a link, submit a form, create an account, apply for a service, purchase a product, or complete another qualifying action.

Commercial relationships may influence the placement, order, visibility, or presentation of certain content. We aim to provide useful and fair information, but we do not guarantee that every available product, provider, service, price, offer, or option is shown on the website.

If the website includes financial, payment, credit, lending, insurance, investment, account, or application-related content, we do not guarantee that you will be approved, accepted, eligible, or receive any specific result. Final decisions may be made by third-party providers based on their own rules and checks.

You are responsible for reviewing all third-party terms before making a decision.

Section 2 - Intellectual Property, Disclaimers, Liability, Termination, Law, and Contact

All content on graziamanagement.com, including text, graphics, designs, layouts, icons, logos, images, videos, software, code, databases, product cards, forms, documents, branding, trademarks, trade names, service names, and other materials, is owned by Grazia Capital Management, its licensors, or relevant third-party rights holders, unless stated otherwise.

You may view and use the website for personal or internal business purposes only.

You may not copy, reproduce, modify, distribute, sell, rent, license, reverse engineer, scrape, republish, download in bulk, exploit, or create derivative works from website content without our prior written permission, except where allowed by law.

Third-party names, logos, brands, product names, trademarks, and service marks may appear on the website for identification, comparison, informational, or partnership purposes. All third-party marks belong to their respective owners. Their appearance does not automatically mean endorsement, sponsorship, approval, or affiliation.

We try to keep graziamanagement.com accurate, secure, and available, but we do not guarantee that:

• The website will always be available
• The website will always work without interruption
• The website will always be free from errors
• Content will always be complete
• Content will always be current
• Offers will remain available
• Prices will remain unchanged
• Product details will remain unchanged
• Third-party information will be accurate
• Third-party links will always work
• The website will be free from bugs, malware, viruses, or harmful components
• Any specific result, approval, conversion, or benefit will be achieved

The website is provided on an "as is" and "as available" basis to the maximum extent permitted by law.

To the maximum extent permitted by law, Grazia Capital Management and its directors, officers, employees, contractors, partners, affiliates, licensors, and service providers will not be liable for any loss or damage arising from:

• Use of the website
• Inability to use the website
• Reliance on website content
• Errors or omissions
• Delays or interruptions
• Security incidents
• Unauthorized access
• Loss of data
• Loss of profits
• Loss of business
• Loss of revenue
• Loss of opportunity
• Reputational damage
• Third-party links
• Third-party products
• Third-party services
• Third-party decisions
• Malware, viruses, or harmful components
• Indirect, incidental, special, consequential, or punitive damages

Nothing in these Terms and Conditions excludes or limits liability where exclusion or limitation is not allowed by law.

You agree to indemnify and hold harmless Grazia Capital Management and its directors, officers, employees, contractors, partners, affiliates, licensors, and service providers from any claims, losses, damages, liabilities, costs, or expenses arising from:

• Your use of the website
• Your misuse of the website
• Your breach of these Terms and Conditions
• Your violation of law
• Your infringement of third-party rights
• Your submission of false or misleading information
• Your unauthorized use of accounts, forms, systems, content, or services

We may update, suspend, withdraw, replace, or change any part of the website at any time. We may also update these Terms and Conditions from time to time. The updated version will apply from the date it is published on graziamanagement.com.

Your continued use of the website after changes are published means you accept the updated Terms and Conditions.

If any part of these Terms and Conditions is found to be invalid, unlawful, or unenforceable, the remaining parts will continue to apply.

These Terms and Conditions are governed by the laws of Germany, unless mandatory consumer protection, data protection, or other applicable laws require otherwise.

For questions about these Terms and Conditions, contact: