General Terms and Conditions

1. Contracting Parties and Scope of Application

(1) The overall offering of the application consists of multiple components with different service providers. brokerize GmbH, Berg 7, 82386 Oberhausen-Berg (hereinafter referred to as “brokerize”) is exclusively the service provider for widgets and content within this online offering that are marked with the brokerize logo.

(2) If brokerize provides investment brokerage services within the meaning of § 2 (2) No. 3 of the German Securities Institutions Act (WpIG) as part of the widgets and content it offers (hereinafter collectively referred to as “brokerize offerings”) or in any other manner, it acts as a contractually bound intermediary pursuant to § 3 (2) WpIG. This service is provided exclusively on behalf of and under the liability of DonauCapital Wertpapier GmbH, Passauer Str. 5, 94161 Ruderting (“DC”). In this case, the user’s sole contractual partner is DC.

(3) These General Terms and Conditions apply to all services and offerings provided by brokerize to users as part of the brokerize offerings (hereinafter referred to as “services”).

2. Services

(1) brokerize provides users of its services with an electronic trading interface, enabling them to trade financial instruments via certain banks and brokerage firms (hereinafter collectively referred to as “brokers”), provided they are also customers of these brokers. The following provisions apply to this trading functionality:

a) The trading functionality is not an offer from brokerize but exclusively an offer from the respective broker. brokerize’s role is limited to enabling the use of the broker’s offer through the brokerize offerings.

b) The selection of brokers accessible through the brokerize offerings is at the sole and absolute discretion of brokerize and the application operator. The same applies to the number of brokers available to the user. brokerize may at any time terminate cooperation with individual brokers without stating reasons, restrict access to a broker’s offerings, or discontinue access entirely.

c) By clicking the relevant broker button within the brokerize offerings, the user gains access to the broker’s login and/or trading interface or account. If the user is a new customer of the selected broker, they will be redirected to the broker’s account opening page and can complete the account opening process there.

d) brokerize obtains financial data and market information from sources and data providers that may differ from those used by brokers. However, for trading purposes, only the data and financial information provided by the respective broker are authoritative.

e) For technical reasons, brokerize may need to calculate certain portfolio metrics independently. These calculations may differ from those of the broker and are marked accordingly. brokerize assumes no liability for the accuracy of these calculations. The calculations and statements made by the broker are definitive.

f) Orders placed by users for the purchase and sale of financial instruments are executed exclusively and directly through the respective broker. brokerize has no influence over the execution of user orders placed with brokers.

g) If the brokerize offerings or parts of them experience downtime, users can still access their broker’s original offering and execute transactions directly.

(2) brokerize does not provide investment advice in connection with the purchase or sale of financial instruments. It does not offer individual advice or information regarding the purchase or sale of financial instruments. Any financial information accessible within the brokerize offerings does not constitute a recommendation (e.g., to buy, sell, or hold a financial instrument).

(3) The brokerize offerings are intended only for individuals residing or permanently staying in the European Economic Area (EEA).

3. Responsibility for Content

(1) As a service provider, brokerize is responsible for its own content within the brokerize offerings under § 7 (1) of the German Telemedia Act (TMG). However, under §§ 8–10 TMG, brokerize is not obligated to monitor transmitted or stored third-party information or investigate circumstances that indicate illegal activity. Obligations to remove or block the use of information under general legal provisions remain unaffected. Liability in this regard is only possible from the time brokerize becomes aware of a specific legal violation. Upon becoming aware of such violations, brokerize will promptly remove the offending content.

(2) brokerize does not adopt third-party content as its own and has no control over such content. brokerize assumes no liability for third-party content, which will be explicitly marked as such.

(3) The content within the brokerize offerings is provided by the respective broker. When the trading interface is opened, the user’s browser communicates with a brokerize server, which, in turn, communicates with the broker via an interface. During this process, information such as the user’s account number and the instrument to be traded is typically transmitted to the broker. The broker responds with details such as available trading venues, the user’s available funds, and possible execution options, which are then displayed within the trading interface. After entering order details (such as quantity, execution type, limits, validity, etc.) and confirming the trade, the order is transmitted to the broker, who then sends an order confirmation. The communication flows through the brokerize server throughout this process.

4. User Rights and Obligations

(1) Users are responsible for ensuring that they meet the technical requirements necessary for the proper and error-free use of brokerize’s services, including their hardware and operating system software. Before using brokerize’s services, users must confirm that they have the required technical prerequisites.

(2) Users must take appropriate security measures to protect their systems, including using standard browser security settings, performing regular data backups, and employing up-to-date security software to prevent viruses.

5. Costs

(1) The services described in Section 2 (1) are provided free of charge.

(2) brokerize receives a commission from the broker where the user maintains their account/deposit. This commission may depend on the user’s trading activity or be independent of it. If the user requests more details, brokerize will provide further information upon request.

(3) Any additional services requiring a separate fee will be outlined in a separate agreement between the user and brokerize.

6. Data Protection

(1) brokerize is entitled to collect, store, process, and use users’ personal data as permitted by law.

(2) brokerize processes user data only to the extent necessary for providing its services.

(3) Users are informed that usage data (e.g., date, time) may be stored. These data are anonymized and used for statistical purposes only. Cookies may also be used to enhance usability. Users can disable cookies in their web browsers, but this may limit the usability of the brokerize offerings.

(4) The broker may share user data with brokerize and/or DC if required for fulfilling contractual obligations.

(5) Further details can be found in the data protection policy.

7. Liability

(1) If brokerize provides investment brokerage services within the meaning of § 2 (2) No. 3 of the German Securities Institutions Act (WpIG) as part of the services described in Section 2 (1), acting as a contractually bound intermediary of DC, brokerize acts exclusively on behalf of and under the liability of DC.

(2) Neither brokerize nor DC shall be liable to users for the incorrect or incomplete transmission of financial information as well as other data and documents from third parties, for the lack of operational availability, or for disruptions to the internet offering or the technical infrastructure of the brokers.

(3) brokerize or DC shall only be liable for damages resulting from intentional or grossly negligent conduct by brokerize or its vicarious agents. This does not apply to liability for injury to life, body, or health, as well as the violation of essential contractual obligations (cardinal obligations).

(4) The liability of brokerize and DC, except in cases of intentional or grossly negligent conduct or injury to life, body, or health, is limited to damages that were typically foreseeable at the time of contract conclusion or commencement of use. Furthermore, the liability amount is restricted to the contractually typical average damages. This also applies to indirect damages, particularly lost profits.

(5) Neither brokerize nor DC shall be liable for damages caused by force majeure, civil unrest, war and natural disasters, or other events beyond their control, such as failures of internet or telecommunication connections not attributable to brokerize, strikes, traffic disruptions, lockouts, or government-imposed measures in Germany or abroad. brokerize shall also not be liable for the functionality of the connections to the brokers' servers, for power outages, or for failures of other servers that are beyond brokerize’s control.

(6) Neither brokerize nor DC shall be liable for the calculations mentioned in Section 2 (1) e).

(7) The aforementioned exclusions and limitations of liability shall also apply with respect to the liability of employees, workers, staff members, representatives, and vicarious agents of brokerize and DC.

8. Information on the Accessibility of the Service

In accordance with § 14 (1) No. 2 BFSG in conjunction with Annex 3 BGSG and §§ 12, 13, 17, and 19 BFSGV

Description of the Applicable Requirements

The accessibility requirements for the services offered by brokerize are based on the German Accessibility Enhancement Act (BFSG), particularly § 14 BFSG in conjunction with Annex 3 No. 1 BFSG, as well as the related regulation (BFSGV), especially §§ 12, 17, and 19 BFSGV. The specific technical measures applicable to brokerize's digital services are primarily derived from the European standard EN 301 549 (current version 3.2.1). In order to meet these accessibility requirements, brokerize has implemented comprehensive measures to ensure both the accessibility and usability of its offerings and the execution of its services. The services provided in electronic commerce have been adapted accordingly through necessary and appropriate actions.

Description of the Services and Their Execution

brokerize provides users with digital trading interfaces embedded on partner websites (e.g., stock3.com). These interfaces enable users to place securities orders through connected brokers, provided that the user already holds a securities account with the respective broker. When the trading interface is opened, the user’s web browser communicates with a brokerize server, which in turn connects to the respective broker via an API. The broker provides information such as available trading venues, execution types, and the user's available funds. This information is displayed within the trading interface. The user can then enter order details (e.g., quantity, limit, validity) and place the order to buy or sell the security via the interface. The order is forwarded by brokerize to the broker and, after successful processing, confirmed back to the user.

Compliance with Accessibility Requirements

Accessibility is an integral part of the technical development of brokerize's digital services. brokerize follows a process of continuous improvement to gradually reduce existing barriers and continuously enhance accessibility for all users. Many features and content elements are already accessible and meet key requirements for accessible digital services.

This means, concretely:

• Our digital services are designed to be accessible and understandable for people with visual, auditory, motor, and cognitive impairments. For example, we offer text with sufficient color contrast, clear navigation structures, and alternative texts for images. The interfaces are operable via keyboard and compatible with screen readers. Our forms are accessible and error messages are displayed in a comprehensible manner.
• All contractual documents are available in accessible formats, such as PDF files conforming to the PDF/UA standard, and can be easily used with common assistive technologies like screen readers. They are also compatible with magnification software and voice recognition tools.
• We use clear, plain language (language level B2) and structure content in a user-friendly manner.

The evaluation was carried out through self-assessment using technical tools, including:

• Compatibility with screen readers (NVDA, VoiceOver)
• Use of aria-labels, alt attributes, and semantic HTML structures
• Tests with axe DevTools and the WAVE Accessibility Tool

The assessment of digital accessibility is based on internationally recognized standards, particularly the Web Content Accessibility Guidelines (WCAG) 2.2 and the European standard EN 301 549. Despite our best efforts, certain content—such as embedded videos without subtitles or older PDF documents—may still present barriers. We are continuously working to identify and remove these remaining obstacles to ensure unrestricted access to our services.

An accessible feedback channel is available at: unter https://brokerize.com/contact/

You can also reach us by phone at any time: +49 (0)8802 375 000 0

Responsible Market Surveillance Authority:

MLBF

c/o Ministerium für Arbeit, Soziales, Gesundheit und Gleichstellung Sachsen-Anhalt
Postfach 39 11 55
39135 Magdeburg
Phone: (0391) 567 4530
E-Mail: [email protected]

9. Liability for Links

The brokerize offerings may contain links to external third-party websites over which brokerize has no control. Therefore, brokerize assumes no responsibility for these external contents. The respective provider or operator of the linked pages is always responsible for their content. The linked pages were checked for possible legal violations at the time of linking. No illegal content was recognizable at the time of linking. However, continuous monitoring of the linked pages is not reasonable without concrete indications of a legal violation. If brokerize becomes aware of any legal violations, such links will be removed immediately.

10. Assignment / Offsetting

(1) The assignment of claims to which the User is entitled from the business relationship with brokerize is excluded.

(2) The User may only offset claims to the extent that these are undisputed or have been legally established.

11. Applicable law and place of jurisdiction

(1) The business relationship between brokerize and Users shall be governed by German law to the exclusion of German private international law and other regulations applicable in Germany under international conventions.

(2) The place of jurisdiction for all disputes arising from and in connection with the business relationship between brokerize and the User is - to the extent permitted by law - Munich.

12. Amendments to the General Terms and Conditions

Amendments to these General Terms and Conditions shall be notified to the user in writing or in text form. They shall be deemed to have been approved if the user does not object to them in writing within six weeks of receipt of the amendments. The objection is to be addressed to brokerize GmbH, Berg 7, 82386 Oberhausen-Berg. The date of dispatch of the objection is decisive for compliance with the deadline.

13. Severability clause

Should individual clauses of these General Terms and Conditions be or become invalid in whole or in part, this shall not affect the validity of the remaining clauses or the remaining parts of these clauses.

Oberhausen, June 2025