Terms of Service

1. Operator and scope

cofinance.land (the “Service”) is operated by a freelance IT and software provider based in Germany. The operator’s statutory details are set out in the Impressum. These Terms govern your access to and use of the Service. By creating an account or using the Service you agree to these Terms.

2. The Service

cofinance.land is a collaborative software tool. It gathers requirements from you and your collaborators and uses automated AI agents to surface property, financing, and legal-structure suggestions for you to review together. The Service is provided on an “as is” and “as available” basis, without warranties of any kind to the maximum extent permitted by law.

3. No professional advice (AI-generated content)

All output produced by the Service is automatically generated by AI systems and may be incorrect, incomplete, outdated, biased, or entirely fabricated (“hallucinated”). It is information, not advice. cofinance.land is a software tool and is not a legal, tax, financial, investment, mortgage, or real-estate advisor. No advisory, fiduciary, or client relationship is created by your use of the Service.

You must independently verify all output and consult qualified, licensed professionals before making any decision, entering any contract, making any payment, or making any other commitment. Any reliance you place on output is solely at your own risk. See the full AI Disclaimer, which forms part of these Terms.

4. Accounts and acceptable use

You are responsible for the accuracy of the information you provide and for activity under your account. You agree not to use the Service unlawfully, not to scrape, overload, abuse, or reverse engineer it, and not to misuse other collaborators’ shared data. Data shared between collaborators is handled as described in the Data Protection Notice.

5. Third-party services

The Service relies on third-party providers, including authentication, backend, mapping, payment, and AI model providers. Their terms and policies apply to the parts of the Service they power, and the operator is not responsible for third-party services beyond its reasonable control.

6. Property and listing data

Property listings, prices, locations, and related details surfaced by the Service may originate from third-party sources, from other collaborators, or be generated or summarised by AI. The operator is not the originator or owner of third-party listing data and does not guarantee its accuracy, completeness, currency, availability, or legal status. Listing data may be incomplete, delayed, outdated, withdrawn, mispriced, duplicated, or inaccurate.

Any analyses, scores, summaries, or other derived outputs that the Service produces from such data are the operator’s own derived material and are provided for your review only. You must independently verify any listing with the original source, the seller, or a licensed professional before relying on it, contacting a party, making a payment, or entering any contract. Reliance on listing data is solely at your own risk.

7. Your responsibility and indemnity

You are responsible for how you use any output and data obtained through the Service. In particular, you must not copy, scrape, republish, redistribute, resell, or build a competing database from data surfaced by the Service, and you must comply with the terms of any third-party source you go on to contact or transact with.

To the maximum extent permitted by applicable law, you agree to indemnify and hold the operator harmless from claims, losses, and reasonable costs arising from your own use, reuse, or further distribution of output or data obtained through the Service, or from your breach of these Terms. This indemnity covers your conduct only; it does not extend to the operator’s own acts, and mandatory consumer-protection rights remain unaffected.

8. Limitation of liability

To the maximum extent permitted by applicable law, the operator is not liable for indirect or consequential loss, or for any loss or damage arising from decisions made in reliance on AI-generated output. Mandatory liability under German law — including for intent, gross negligence, injury to life, body, or health, and under the Produkthaftungsgesetz — remains unaffected.

9. Availability and changes

The Service is provided without any guarantee of availability or uptime. These Terms may be updated from time to time; material changes will be communicated by reasonable means and your continued use after changes take effect constitutes acceptance.

10. Governing law

These Terms are governed by the law of the Federal Republic of Germany. Where legally permissible, the place of jurisdiction is Leipzig. Mandatory consumer-protection provisions of your country of residence remain unaffected.

11. Contact

For questions about these Terms, contact the operator using the details in the Impressum.