Last updated: [14 OCT 2025]
These Terms & Conditions (“Terms”) govern access to and use of Crafting Wealth’s educational products and services, including live seminars, on-demand videos, calculation tools, newsletters, and coaching sessions (collectively, the “Services”).
Provider: Crafting Wealth – [Full legal name / Einzelunternehmen or GmbH] (“we/us”).
Customer: any person purchasing or using our Services (“you”).
All content is educational. We do not provide tax, legal, financial, or investment advice. You remain responsible for your own decisions and must validate them with a tax advisor/LoHi or other qualified professional before filing or investing.
You must be at least 18 and capable of forming a binding contract. You’re responsible for the accuracy of your account data and for keeping access credentials secure.
Prices are shown in EUR and include/exclude VAT as indicated at checkout. Payment is due upon order via the methods displayed (e.g., Stripe card/SEPA). Access is granted after successful payment.
Live seminars/workshops: delivered online (unless stated otherwise). We’ll email access links and schedule updates.
Digital content: on-demand videos, downloads, and tools are provided via secure links.
Coaching: delivered online at agreed times.
Pre-Event Refund Window: You may cancel a paid seat for a live seminar/workshop for a full refund up to 7 days before the live date. Within 7 days of the event, refunds are not provided; we may offer a seat in a future cohort at our discretion.
Digital content: Where you request immediate access to digital content, you acknowledge loss of the statutory withdrawal right once delivery starts (§ 356(5) BGB).
1:1 Coaching: You may reschedule with ≥24h notice. Missed/late cancellations ( <24h ) count as delivered. If you feel a session created no clarity or next steps, tell us before the call ends and we will refund 100%.
We may change dates/times for reasons beyond our control. If we materially change a live date, you may choose a new date or request a refund.
All materials (videos, slides, spreadsheets, text, graphics) are protected by copyright. We grant you a personal, non-transferable, non-commercial license to use them. You may not share, resell, publish, or redistribute content or access links.
Do not:
(a) share your login, scrape or copy content; (b) circumvent access controls; (c) use our Services unlawfully; (d) provide false information or impersonate others.
Services are provided “as is.” We make no warranties of specific outcomes. To the maximum extent permitted by law, we are not liable for indirect or consequential losses. Our aggregate liability is limited to the fees you paid for the affected Service.
We process personal data per our Privacy Policy. By using our Services, you agree to that processing.
We may update these Terms prospectively. The “Last updated” date shows the current version.
German law applies, excluding the CISG. Place of jurisdiction, where permitted, is Munich, Germany. The EU platform for online dispute resolution: https://ec.europa.eu/consumers/odr. We are not obliged nor generally willing to participate in consumer arbitration.
Crafting-Wealth.com
Wohlfartstr. 16, 80939 Munich, Germany
Email: [email protected]