www.cpx.com.tr Open in urlscan Pro
93.177.103.170  Public Scan

URL: https://www.cpx.com.tr/
Submission: On November 06 via api from US — Scanned from DE

Form analysis 3 forms found in the DOM

GET https://www.cpx.com.tr/categorysearch

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POST https://www.cpx.com.tr/subscriber-form

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Text Content

TerraMirum

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Privacy Policy

LPPD CLARIFICATION TEXT

 

Credipto Inc.

 

DISCLOSURE TEXT WITHIN THE SCOPE OF THE LAW ON THE PROTECTION OF PERSONAL DATA

 

Credipto Inc. ("Credipto" and/or "Company"), as the data controller, your
personal data; within the framework of the purpose requiring their collection
and processing, in connection with this purpose, in a limited and measured
manner, as you have notified our Company or as notified to our Company, by
maintaining the accuracy and the most up-to-date form of personal data, will be
recorded, stored, preserved, rearranged, shared with institutions that are
legally authorised to request this personal data, and under the conditions
stipulated by LPPD, transferred to third parties at home and / or abroad,
transferred, classified and processed in other ways listed in PDPL.

 

1-Personal Data Processing Collection Methods, Purposes and Principles

 

The activities of our Company are activities for crypto asset production and
sales activities, processes related to these activities and related services.
Our Company will process personal data obtained within the framework of this
scope in accordance with the legislation. The following data may be processed
within the scope of the services provided by our Company:

 

- Name-surname, Turkish ID number, identity information that may be included in
the identity card and / or passport wallet

- Contact details such as e-mail address or telephone number

- Address details

- Photo.

- Biometric data that can be collected through facial recognition or fingerprint
enrolment systems,

- Your transaction information, which may include your orders, requests or
complaints

- Your security data such as IP address or site login and logout records

- Financial data such as bank account details and/or IBAN information

- Data on suspicious or risky transactions

- Data such as usage preferences or cookie records that may be stored for
marketing purposes

 

Your personal data;

 

- Execution of access processes within the scope of the services offered by our
company,

- Fulfilment of crypto asset sales / purchase processes duly,

- Execution of crypto asset production and marketing processes,

- Providing support services to our customers after the service,

- Fulfilment of the obligations specified in the legislation and to which our
Company is subject,

- Ensuring process and information security,

- To fulfil the obligations of identification, information retention, reporting
and information obligations stipulated in the legislation and to provide
information to the institutions and organisations authorised within this scope,

- Managing contract processes and other business activities,

- Improving the quality of services provided by the company,

- Carrying out internal audit processes,

- Improvement of the services offered by the company and its quality policy,

- Execution of complaint and request processes,

- Follow-up and execution of legal processes,

- Execution of risk management processes,

purposes of processing and preservation. Our company will act in accordance with
the principles, purposes and procedures set out in the Law while carrying out
data processing activities. In addition to the provisions of LPPD, Credipto also
takes adequate measures determined by the Board in the processing of special
categories of personal data.

 

Your personal data will be processed by our Company within the processing
conditions specified in Articles 5 and 6 of the Law.

 

- Explicitly stipulated in the laws;

- Provided that it is directly related to the establishment or performance of a
contract, it is necessary to process personal data belonging to the parties to
the contract,

- It is mandatory for our company to fulfil its legal obligations,

- The personal data has been made public by the personal data subject
himself/herself,

- Data processing is mandatory for the establishment, exercise or protection of
a right,

- Provided that it does not harm the fundamental rights and freedoms of data
subjects, it is mandatory for our Company to process data for its legitimate
interests.

 

Your personal data may be collected by our company through digital technologies
such as telephone, e-mail, SMS, cookies and our company's website and other
verbal, electronic or written media. Regarding the data processed through
automated systems, Credipto will act in accordance with the legislation and the
regulated policy text. Your personal data will be retained for the maximum
period specified in the relevant legislation or required for the purpose for
which they are processed, and in any case for the statutory statute of
limitations.

 

2- Your Sensitive Personal Data

 

Within the scope of our company's activities and services provided, your
biometric data within the scope of special categories of personal data may be
processed. The data in question will be collected and processed in order to
carry out the identification processes stipulated in the legislation and to
ensure information security, and will be retained for the legal limitation
periods specified in the relevant legislation or required for the purpose for
which they are processed and in any case. Your biometric data will be processed
and stored in accordance with the text of the "Guideline on the Issues to be
Considered in the Processing of Biometric Data" published by the Personal Data
Protection Board.

3- Transfer of Personal Data Domestically and Abroad

 

Your personal data collected by Credipto may be transferred to the following
persons and institutions in accordance with the LPPD and other legislation; our
employees, shareholders, financial advisors and audit companies, business
partners, suppliers who help our company to fulfil the services offered by our
company, and legally competent state authorities and official institutions and
organisations, especially the Financial Crimes Investigation Board.

 

Your personal data collected by our company are stored on servers located in
foreign countries in order to fulfil the services provided and to ensure data
security. In this context, your personal data may be transferred to Microsoft
Office applications, cloud-based systems or backup systems located in foreign
countries in accordance with Article 9 of the Law.

 

4- Rights of the Data Subject Pursuant to Article 11 of the LPPD

 

Pursuant to Article 11 of the LPPD, the data subject may apply to our company to
learn whether the personal data belonging to him/her and/or his/her legal
guardian is being processed;

 

- To learn whether the personal data belonging to him/her and/or his/her legal
guardian are processed or not,

- If processed, to request information about it,

- To learn the purpose of processing and whether they are used for their
intended purpose,

- To know the third parties to whom personal data are transferred domestically
or abroad,

- To request correction in case of incomplete or incorrect processing,

- To request the deletion or destruction of personal data in accordance with the
legal legislation,

- To request notification of the correction/deletion/destruction to third
parties to whom personal data are transferred,

- To object to the emergence of an unfavourable result due to the analysis
exclusively through automated systems,

- It has the right to demand the compensation of the damage suffered due to
processing in violation of the LPPD.

 

In this context, the relevant person may submit his/her applications for the
above-mentioned purposes to Credipto in writing or in accordance with this
method if a separate method is determined by the Personal Data Protection Board.
The relevant person, together with the documents identifying his identity,
Acıbadem Mahallesi Gömeç Sok. Akgün Business Centre No: 37/4 Kadıköy Istanbul
address by registered letter with return receipt requested or by sending an
e-mail by using info@credipto.com, which was previously notified to the data
controller by the data subject and registered in the system of the data
controller.

 

In the written application of the data subject; the matter requested must be
clear and understandable, the subject of the request must be related to his/her
person or if acting on behalf of someone else, he/she must be specially
authorised in this regard and the authorisation must be documented. You can
access the "Application Form" that can be used in the applications to be made by
the relevant person here.

CityFUND
Istanbul-Turkey
₺777.000 Raised
250 investors
₺1000 min. investment
Frankfurt
CityFUND
Frankfurt-Germany
$115.000 Raised
92 investors
$500 min. investment
Brühl
CityFUND
Brühl-Germany
$19.000 Raised
7 investors
$100 min. investment

Digital Real Estate Share Certificate (DRESC)
Easy Buying and Selling
Real estate investors from all regions of our country will love our investment
platform, which is fast, secure, user-friendly, and available 24/7.
With our expert team, we are always by your side!
Digital Real Estate Share Certificate (DRESC)
Buy/Sell
You can instantly buy or sell your real estate properties using "digital real
estate share certificates" as you please.
Multi-Fractional Non-Fungible Token/ MFNFT
Buy/Sell
Token holders have ownership rights to rental income and other proceeds
generated from the real estate properties. They can also participate in
community decisions regarding the real estate by exercising their voting rights.
NFT (Non-Fungible Token) Documentation
Buy/Sell
You can mint your real estate properties as NFTs (Non-Fungible Tokens) and
convert them into cash as desired on national and international marketplaces.
How Do We Achieve This?
Thorne prepares you for faster, more secure, and profitable real estate
investments by utilizing blockchain technology.
In this new technological world where you come across terms like blockchain,
NFTs, Web 3, DeFi, we aim to guide you through.
Tenant

Income

Thorne







Converts to Token

Token Holders Receive It

Sends to Your Bank Account

Tenant

Income

Thorne

Converts to Token

Token Holders Receive It

Sends to Your Bank Account
You can buy, sell, and generate rental income from real estate properties.
Become one of those who buy and sell the digital real estate share certificates
(DRESC) of the products in our portfolio!
Our marketplace (TerraMirum) is presented as a modern investment space based on
blockchain technology to virtual world investors, with an approximate
transaction volume of 3 trillion USD, aiming to prevent them from disconnecting
from the real world.
   
 * Membership Agreement Contract
   
 * Data Protection Contract
   
 * Terms and conditions
   
 * Risk Warnings Contract

   
 * Terms of use
   
 * Contact Us
   
 * Customer Service
   
 * What's New

   
 * Payment Policy
   
 * Shipping Policy
   
 * Privacy Policy

Follow Us!

© 2024 Terramirum, Inc. All rights reserved.




MEMBERSHIP AGREEMENT CONTRACT

Membership Agreement

 

Parties

 

This membership agreement has been mutually accepted and entered into force with
the electronic approval of the “Member” while becoming a member of
www.terramirum.com (hereinafter referred to as the “site”) and
www.terramirum.com.

The User accepts, declares and undertakes that he / she has read the entire
Membership Agreement, understands its content in its entirety and approves all
its provisions with the electronic approval given while becoming a member of the
Site.

 

Definitions

 

Credipto GmbH & Co. KG, located at Ambacher Street 72 65428 Rüsselsheim /
Deutschland, which operates the website www.terramirum.com (hereinafter referred
to as the “seller”).

 

Site: The website that can be accessed on-line where various services and
contents are offered within the framework determined by www.terramirum.com.

 

Member: A natural or legal person who is a member of the Site and benefits from
the Services offered on the Site within the conditions specified in this
agreement.

 

Buyer: The Member who purchases the goods and/or services offered for sale by
using the Services offered on the Site.

 

User: A person who visits www.terramirum.com website with or without shopping.

 

Confirmation Process: It is the process that must be performed by the Member in
order to activate the User's membership by verifying the e-mail address from
www.terramirum.com in the membership form.

 

Website Terms of Use and Membership Agreement: This is the contract concluded
electronically between the www.terramirum.com website and real and / or legal
persons who will benefit from the commercial and personalized services offered
through the site.

 

Subject and Scope of the Contract

 

The subject of the Membership Agreement is the determination of the Services
offered on the Site, the terms of utilization of these Services and the rights
and obligations of the parties.

The scope of the Member Agreement is this agreement and its annexes and
statements such as all warnings, writings and explanations made by the seller
regarding the use, membership and Services on the Site. By accepting the
provisions of the Membership Agreement, the Member also accepts all kinds of
statements made by the seller regarding the use, membership and Services on the
Site. The Member accepts, declares and undertakes to act in accordance with all
matters specified in the aforementioned statements.

 

www.terramirum.com website, the services to be provided through the Site
generally consist of electronic commerce as defined in the Consumer Law
legislation.

 

www.terramirum.com website, the services to be provided through the Site,
including but not limited to; products offered for sale at www.terramirum.com;
After the price is paid by the Member,

 

www.terramirum.com is completely free to determine the scope and nature of the
services it will offer through the Site and is deemed to have put into effect
the changes it will make regarding the services by publishing them on the Site.

 

In order to benefit from the services to be offered within the Site, users must
meet the specifications to be determined by www.terramirum.com and specified in
the content of the relevant section of the Site. www.terramirum.com is
completely free to determine these features and is deemed to have put into
effect the changes it will make regarding the features by publishing them on the
Site.

 

Terms of Membership and Service Usage

 

Membership is completed by the person who wants to become a Member from the
relevant section of the Site, by sending the identity information required to
become a member of the Site by the person who wants to become a Member, and the
registration process is completed with the approval of the registration process
by the seller. Without completing the membership process, the right and
authority to become a Member defined in this agreement cannot be obtained.

 

In order to become a member of the site, it is necessary to be of legal age, to
be authorized to represent and bind the legal entity for legal entity members,
and not to be temporarily suspended from membership or banned from membership
indefinitely by the seller under this contract. Applications made through
persons who are minors or who are not authorized to represent and bind the legal
entity for legal entity members, or applications made by persons who have been
temporarily suspended or suspended by the seller under this agreement as stated
above; applications made by persons who are banned from membership indefinitely
prevent the use of the rights arising from Membership, even if the Site has
completed the registration process.

 

The Seller may unilaterally terminate this agreement at any time without any
justification, without any notice and without any obligation to pay any
compensation and with immediate effect and may terminate the Member's membership
or temporarily suspend the Member's membership without terminating the
agreement. The decisions of termination, termination of membership and
suspension of membership specified in this article will be made entirely by the
seller's own will in accordance with the violation of this contract, violation
of the rules specified on the site, the determination by the seller that the
situation arising as a result of the Member's transactions or transactions
constitutes a risk in accordance with the seller's information security system,
or the seller's commercial decisions or the evaluation of the situation arising
by the seller that constitutes a legal risk.

 

Rights and Obligations

 

Member Rights and Obligations

 

The Member accepts, declares and undertakes that while fulfilling the membership
procedures, benefiting from the Services of the Site and performing any
transaction related to the Services on the Site, he / she will act in accordance
with all the terms contained in the Membership Agreement, the rules specified in
the relevant parts of the Site and all applicable legislation, and that he / she
understands and approves all the terms and rules specified in this agreement.

The Member accepts, declares and undertakes that in accordance with the
provisions of the mandatory legislation in force or in cases where it is claimed
that the rights of other members and third parties are violated, the seller will
be authorized to disclose the confidential / private / commercial information
belonging to him to both the official authorities and the rightful persons and
for this reason, no compensation can be claimed from the seller under any name.

 

The security, storage, keeping away from the knowledge of third parties and the
use of the system access tools (username, password, etc.) used by the Members in
order to benefit from the Services offered by the seller are the sole
responsibility of the Members. The Seller shall not have any direct or indirect
liability for any damages incurred or to be incurred by the Members and/or third
parties due to any negligence and defects of the Members in matters such as the
security, storage, keeping away from the knowledge of third parties, and use of
the system access tools.

 

Members accept, declare and undertake that the information and content provided
by them within the Site are accurate and lawful. The Seller is not obliged and
responsible for investigating the accuracy of the information and content
transmitted to the seller by the Members or uploaded, modified or provided by
them through the Site, undertaking and guaranteeing that this information and
content is safe, accurate and lawful, and cannot be held responsible for any
damages arising from the incorrect or incorrect information and content in
question.

 

Members may not transfer their rights and obligations under the Membership
Agreement, in whole or in part, to any third party without the written consent
of the seller, except under the conditions specified on www.terramirum.com.

 

Those who benefit from the Services offered by the Seller and those who use the
Site may only perform transactions on the Site for lawful purposes. The legal
and criminal responsibility for every transaction and action of the Members
within the Site belongs to them. Each Member accepts, declares and undertakes
that he / she will not reproduce, copy, distribute, process, process the
pictures, texts, visual and audio images, video clips, files, databases,
catalogs and lists contained on the Site in a way that constitutes an
infringement of the same or personal rights or assets of the seller and / or
another third party, and that he / she will not compete directly and / or
indirectly with the seller either directly and / or indirectly with these
actions or in other ways. The Seller cannot be held responsible in any way,
directly and / or indirectly, for any damages suffered or may be suffered by
third parties due to the activities of the Members on the Site in violation of
the provisions of the Membership Agreement and / or the law.

The seller, seller employees or managers are not responsible for the services
provided and content published on the Site by third parties, including Members.
The commitment of the accuracy and legality of the information, content, visual
and audio images provided and published by any third party is the sole
responsibility of the persons performing these actions. The Seller does not
undertake and guarantee the security, accuracy and legality of the services and
contents provided by third parties, including the Members.

 

The Member accepts, declares and undertakes that within the scope of all kinds
of campaigns and sweepstakes to be carried out by the seller through the Site,
the Members who are entitled to participate in the campaigns and sweepstakes
will share their membership information with the persons, institutions or
organizations related to the campaign and sweepstakes and will not claim any
compensation from the seller for this reason.

 

The Member accepts, declares and undertakes that he/she is obliged to fulfill
the measures and procedures required by the relevant legislation in the capacity
of advertiser, manufacturer, taxpayer or similar in relation to the transactions
carried out on the Portal, that the seller does not have any authorization and
responsibility regarding these measures and procedures, and that he/she will be
liable for any damages suffered or may be suffered by other Members, the seller
and / or third parties due to all negligence and defects that will result in the
failure to fulfill the measures and procedures within the scope specified in
this article.

 

After the Member fills in the sections required for registration and confirms
his/her e-mail address, he/she may start using the Site by entering his/her
e-mail address and password, provided that he/she complies with the conditions
specified in this Agreement.

 

While using the Site and its services, the Member agrees to comply with the
legal regulations in Germany, other relevant legislation provisions and any
announcements and notifications that the Site will publish regarding its
services. Any legal, criminal and financial liability that may arise due to
these notices and illegal use belongs to the member.

 

The information of the members who visit the site (frequency of visits, visit
times, etc.) is tracked in order to serve them better. This information,
adhering to the terms of confidentiality, in order to expand and improve the
content, advertising, etc. It is shared with companies that cooperate in
matters. The purpose here is to improve the service offered by the site to its
users and to enrich the content offered by the Site.

 

Rights and Obligations of Buyers

 

By making a request to purchase the exhibited product, the Buyer is deemed to
have accepted the terms and procedures of sale determined by the seller together
with the product description.

 

The Buyer accepts and declares that the seller does not have and does not need
to have information about any issues related to the original product, including
but not limited to whether the products offered for sale by the Producers on the
Site are among the Prohibited Products, whether they are illegal or not, their
quality, originality, accuracy and completeness of the written and / or visual
descriptions used in the promotion of the product, and that it is not obliged to
undertake and guarantee them.

 

The Buyer accepts, declares and undertakes that at any stage of the purchase and
sale process taking place on the Site and for any reason whatsoever, if the
Producer ceases to sell and deliver the product, the seller shall have no
responsibility and liability due to this situation; he / she accepts, declares
and undertakes that he / she cannot claim any compensation from the seller for
the product he / she is trying to purchase, in any way whatsoever.

 

Rights and Obligations of the Seller

 

The Seller reserves the right to change the Services and contents offered on the
Site at any time; to close the information and contents uploaded by the Members
to the system to the access of third parties, including the Members, and to
delete them. The Seller may exercise this right without any notice and without
prior notice. Members are obliged to fulfill the changes and/or corrections
requested by the seller immediately. The changes and/or corrections requested by
the Seller may be made by the Seller if deemed necessary. The damages, legal and
criminal liabilities that arise or may arise due to the failure of the Members
to fulfill the changes and / or correction requests requested by the Seller in a
timely manner belong entirely to the Members.

 

The Seller may use the membership information on the Site as it wishes for User
security, fulfillment of its own obligation and for marketing, promotion and
communication regarding the websites created by the group companies mentioned on
the main page of the Site and the Site www.terramirum.com within its own
structure and for some statistical evaluations. It may classify and store them
on a database.

 

The Seller shall not act as a mediator or arbitrator in disputes arising between
the Members within the scope of the Services provided on the Site.

 

The Seller may perform the necessary content and/or message scanning in order to
detect the messages and/or contents that take place between the Users through
the Site and which are contrary to the operation of the Site and/or the
Membership Agreement and/or the general rules of the Site and/or the general
rules of morality and which cannot be accepted by the “Seller” or “X”, and may
remove the messages and/or contents it detects from access at any time and in
any manner; The Seller may terminate the membership of the Member, temporarily
or permanently, by warning the Member who created this message and/or content in
writing.

Members and the Seller are legally independent parties. There is no partnership,
representation or employee-employer relationship between them. As a result of
the approval and implementation of the Membership Agreement, no partnership,
representation or employee-employer relationship arises.

 

The Seller accepts, declares and undertakes that it will keep the preliminary
information form and distance sales contracts regarding the sales made through
the Site for 3 years and that it will share this distance sales contract and
preliminary information form at the request of the Buyer and the Producer within
this period. the seller does not keep the credit card information of its
customers registered in the system.

 

Some information such as the name and Internet Protocol (IP) address of the
Internet service provider used to access the site, the date and time of access
to the site, the pages accessed while on the site and the Internet address of
the Web site that provides direct connection to the site may be collected by the
Seller for the improvement and development of the www.terramirum.com website and
/ or within the framework of legal legislation.

 

The Seller may use the personal information of the members in order to provide
better service to its members, to improve its products and services, to
facilitate the use of the site, and to work on the special preferences and
interests of the Members. The Seller reserves the right to keep a record of the
member's actions on the www.terramirum.com website.

 

The Seller may immediately limit, suspend or cancel the right to use the
www.terramirum.com website rules of the member, user or buyer or any obligation
stipulated in this contract or any action and transaction contrary to any laws,
regulations and other legislation without any notice and warning. In these
cases, the member, user or buyer cannot claim and collect any negative or
positive damages and losses, rights and receivables from the seller.

 

Intellectual Property Rights

 

All elements of the Site (including, but not limited to, design, text, images,
html code and other codes) (including, but not limited to, the copyrighted works
of the Seller) are used by the Seller and/or under a license obtained by the
Seller from a third party. Members may not resell, share, distribute,
distribute, display, reproduce, create derivative works from, or prepare
derivative works of, the merchant Services, merchant information, and merchant
copyrighted works, or allow anyone else to access or use the merchant Services;
otherwise, they will be liable for any damages sought from the merchant for
losses suffered by third parties, including, but not limited to, licensors, and
any other liabilities, including, but not limited to, court costs and attorneys'
fees.

 

Seller reserves all rights in and to all of Seller's property, real and personal
rights, trade information and know-how, including any and all tangible and
intellectual property rights in and to Seller Services, Seller Information,
Seller copyrighted works, Seller trademarks, Seller trade dress, or any other
property or intellectual property owned by Seller through the Site.

 

Contract Amendments

 

This contract will remain in force until the member cancels his membership or
his membership is canceled by the seller. If the seller violates any provision
of the membership agreement, the seller may unilaterally terminate the contract
by canceling the member's membership.

 

Limitation of Liability

www.terramirum.com is not liable for any direct or indirect damages that may
arise due to breach of contract, tort, or other reasons due to access to the
Site, use of the Site or the information and other data programs etc. on the
Site. As a result of breach of contract, tort, negligence or other reasons;
www.terramirum.com does not accept any responsibility for interruption of the
transaction, error, negligence, interruption. By accessing or using this Site or
other websites linked to this Site or other websites linked to this Site, it is
accepted that the www.terramirum.com enterprise is separated from any liability
that may arise as a result of the use / visit, and from any damages and claims,
including court and other costs.

 

Transfer

 

www.terramirum.com may transfer this agreement in whole or in part at any time
without notice. However, the User and the Member cannot transfer this agreement
or any part of it to another party. Any such attempted transfer is invalid.

 

Force Majeure

 

In all cases deemed to be legally force majeure, it is not liable for late
performance or non-performance of these Terms of Use and Membership Agreement.
These and similar situations shall not be deemed delay or non-performance or
default for www.terramirum.com, nor shall www.terramirum.com be liable for any
compensation for these situations.

 

Applicable Law and Jurisdiction

 

The Courts of Germany shall be competent for the enforcement of this Agreement.
If the order is confirmed electronically, the Buyer is deemed to have accepted
all provisions of this contract. In case of any dispute between the parties and
/ or complaints of third parties, the seller's records and documents, e-mail
correspondence, system records on the website (including magnetic media records
such as computer-audio records) shall constitute the exclusive final evidence.

 

Enforcement

 

Membership registration means that the member has read all the articles in the
membership agreement and accepts the articles in the membership agreement. This
Agreement was concluded at the time the member became a member and entered into
force mutually. The Seller may change the provisions of this agreement at any
time, the changes are published on the site by specifying the version number and
date of change and enter into force on the same date.

İndir


DATA PROTECTION CONTRACT

Data protection

 

We are very pleased that you have shown interest in our business.

 

Data protection is of a particularly high priority for the management of FeWo
Finanz GmbH. It is usually possible to use the FeWo Finanz GmbH website without
providing any personal data. However, if a data subject wishes to make use of
special services of our company via our website, processing of personal data may
be necessary. If the processing of personal data is necessary and there is no
legal basis for such processing, we usually obtain the consent of the data
subject.

 

The processing of personal data, such as the name, address, e-mail address, or
telephone number of a data subject shall always be in line with the General Data
Protection Regulation (GDPR), and in accordance with the country-specific data
protection regulations applicable to FeWo Finanz GmbH. By means of this data
protection declaration, our company would like to inform the public about the
type, scope and purpose of the personal data we collect, use and process.
Furthermore, data subjects are informed of their rights through this data
protection declaration.

 

As the controller, FeWo Finanz GmbH has implemented numerous technical and
organizational measures to ensure the most complete protection of personal data
processed through this website. However, Internet-based data transmissions can
often have security gaps, so absolute protection cannot be guaranteed.
Therefore, every data subject is free to transmit his or her personal data to us
by alternative means, for example by telephone.

 

 1. Definitions

The data protection declaration of FeWo Finanz GmbH is based on the terms used
by the European legislator for the adoption of the General Data Protection
Regulation (GDPR). Our privacy policy should be easy to read and understand for
our customers and business partners as well as for the general public. To ensure
this, we would like to explain the terminology used in advance.

 

In this privacy policy we use the following terms, among others

 

 1. a) personal data

Personal data is any information relating to an identified or identifiable
natural person (hereinafter referred to as the “data subject”). An identifiable
natural person is one who can be identified, directly or indirectly, in
particular by reference to an identifier such as a name, an identification
number, location data, an online identifier or to one or more factors specific
to the physical, physiological, genetic, mental, economic, cultural or social
identity of that natural person.

 

 1. b) Data subject

The data subject is an identified or identifiable natural person whose personal
data is processed by the controller responsible for processing.

 

 1. c) Processing

Processing means any operation or set of operations which is performed on
personal data or sets of personal data, whether or not by automated means, such
as collection, recording, organization, structuring, storage, adaptation or
alteration, retrieval, consultation, use, disclosure by transmission,
dissemination or otherwise making available, alignment or combination,
restriction, erasure or destruction.

 

 1. d) Restriction of processing

Restriction of processing is the marking of stored personal data in order to
restrict its processing in the future.

 

 1. e) Profile Creation

Profiling means any automated processing of personal data consisting in the use
of personal data to evaluate certain personal aspects relating to a natural
person, in particular to analyze or predict aspects relating to that natural
person's performance at work, economic situation, health, personal preferences,
interests, reliability, behavior, location or movements.

 

 1. f) Nicknaming

Pseudonymization is the processing of personal data in such a way that the
personal data can no longer be associated with a specific data subject without
the use of additional information, provided that such additional information is
kept separate and subject to technical and organizational measures to ensure
that the personal data are not attributed to an identified or identifiable
natural person.

 

 1. g) Controller or supervisor responsible for processing

The controller or controller responsible for processing is the natural or legal
person, public authority, agency or other body which, alone or jointly with
others, determines the purposes and means of the processing of personal data.
Where the purposes and means of such processing are determined by Union or
Member State law, specific criteria for the appointment of the controller or
controller may be provided for by Union or Member State law.

 

 1. h) Processor

Data processor is a natural or legal person, public authority, institution or
other body that processes personal data on behalf of the data controller.

 

 1. i) Buyer

The recipient is the natural or legal person, public authority, agency or other
body to which the personal data are disclosed, whether or not a third party.
However, public authorities which may receive personal data in the framework of
a specific investigation under Union or Member State law shall not be considered
recipients.

 

 1. j) Third party

Third party is a natural or legal person, public authority, institution or body
other than the data subject, controller, processor and persons authorized to
process personal data under the direct authority of the controller or processor.

 

 1. k) Reza

Consent is a freely given, specific, informed and unambiguous indication of
wishes by which the data subject, by a declaration or by a clear affirmative
action, indicates that he or she agrees to the processing of personal data
concerning him or her.

 

 2. name and address of the controller responsible for processing

Controller within the meaning of the General Data Protection Regulation, other
data protection laws applicable in the Member States of the European Union and
other provisions of a data protection nature

İndir


TERMS AND CONDITIONS

Terms and conditions

 

Terms of use of https://www.credipto.com/ platform

From the following date: November 2023

 

 

The transparency and user-friendliness of Credipto's https://www.credipto.com/
platform is important to us. These general terms and conditions govern the use
of this website (https https://www.credipto.com/).

 

For reasons of better readability, male, female and various (m/f/d) language
forms are not used simultaneously. All personal names apply equally to all
genders.

 

Credipto GmbH, Speditionstraße 15a, D-40221 Düsseldorf (hereinafter “Credipto”)
operates an internet platform (hereinafter “platform”) under the website
https://www.credipto.com/. Through this platform, Credipto offers potential
investors the opportunity to invest in companies and projects carried out by
companies and other institutions.

 

Here, project owners and companies (hereinafter collectively referred to as
“issuers”) can introduce themselves to potential investors (hereinafter referred
to as “investors”) and digitally share with them information about the planned
financing (hereinafter referred to as “financing projects”).

Based on this information, investors have the opportunity to participate in the
respective financing project through financing (“swarm financing”,
“crowdfunding” or “funding”) by placing investments or securities (“financial
instruments”) on the platform of the online investment brokerage framework.

 

Access to financing projects and potential subscription to financial instruments
requires the investor to register on the platform.

 

Credipto is a contractual agent within the meaning of Section 3 Paragraph 2 of
the WpIG and, when brokering investments pursuant to Section 2 Paragraph 2 No. 3
of the WpIG, is entered into solely in its name, on its behalf and under its
responsibility. The registered office of Effecta GmbH, which is listed in the
commercial register of the Friedberg district court under HRB 8830, is located
at Am Sportplatz 13, D-61197 Florstadt (liability umbrella). Effacta GmbH is a
licensed securities institution with a license to provide investment advice
pursuant to Section 2 Paragraph 2 No. 4 WpIG and a license to provide investment
brokerage pursuant to Section 2 Paragraph 2 No. 3 WpIG, each of which is not
authorized to take ownership and/or possession. Sale of securities or raising
funds from clients.

 

The following general terms and conditions (“Terms and Conditions”) apply
exclusively to any use of the platform by (potential) investors (hereinafter
referred to as “users”).

 

- Scope

 

- By using the platform, a user agreement is concluded between users and
Credipto, which is exclusively subject to the following terms and conditions.
This platform user agreement sets out the conditions for the use of the platform
for information purposes and for the brokerage of individual financial
instruments between investors and issuers via the platform. Both the
informational use and the brokerage of financial instruments are offered to
users free of charge. The General Terms and Conditions apply to all content,
functionalities and other services offered on the platform.

 

- At the same time, a separate brokerage agreement on financial instruments
(“brokerage agreement”) is concluded between the investor and the liability
umbrella (Effecta GmbH), represented by Credipto as a contractual agent, as soon
as the platform operator meets the necessary conditions. The interested party
offers certain financial instruments from project owners (issuers) on the
platform.

 

The content of the brokerage agreement is determined by the “Effecta GmbH
General Terms and Conditions for brokerage through affiliated agents” and the
additionally applicable “Effecta GmbH General Terms and Conditions for brokerage
through affiliated agents”. These documents are available on the platform and
are provided to the investor prior to the contract. Further information about
Effecta GmbH and its business profile can be found in the documents also
available on the platform.

-

- The legal relationship between Credipto and the issuer is not the subject of
these general terms and conditions. Separate cooperation agreements (project
agreements) establish the legal relationship between Credipto and the issuer.
Likewise, the legal relationship between the issuer and the user is not the
subject of these General Terms and Conditions. These legal relationships are
subject to separate legal arrangements (e.g. loan conditions, lending
conditions). Credipto is not a party to these legal agreements.

 

- It has no right to register and use the Platform. Credipto has the right to
refuse a user at any time without giving reasons. Examples include:
registrations made by providing false data or registrations created with
disposable e-mail addresses (so-called “disposable e-mail addresses”).

-

- Registration

 

- Registration is required for full use of the platform. Natural persons who
have reached 18 years of age, have full legal capacity under civil law, reside
in Germany and are not citizens of Canada, Japan or Australia and who are not US
citizens in the following sense are allowed to register as private persons. A
U.S. person is anyone who is a U.S. citizen, a holder of permanent residence and
work authorization for the U.S. (green card) or otherwise subject to unlimited
income taxation in the U.S., who has a place of residence or a second home in
the U.S. or its territories, or who is a U.S. corporation or other entity,
estate or trust organized under U.S. law that is subject to U.S. federal
taxation, or who acts on behalf of such entity. Legal entities must have their
registered office in Germany. Investors must act on their own account. It is not
permitted to register a person more than once.

 

 

- It is essential that the registration is carried out with complete and correct
information regarding the requested data.

 

- In order to accept an issuer's contract offer as a user, it is also necessary
to provide complete and truthful information about the investor-specific data to
be requested during or after registration.

 

- After the registration is completed, the user will receive a confirmation
e-mail from Credipto. The registration process is completed by clicking on the
link in the e-mail. Once the contract is concluded, the user has the possibility
to view and change his/her data at any time in the “Login - My Account” section.

 

- Registration with false data or false investor-specific information is not
allowed, this will result in the user being removed from the platform.

 

- The User undertakes to ensure that all information provided while using the
platform is always accurate and up to date.

 

- The User undertakes to ensure that the data accessing the platform, in
particular his/her password, are not accessible to third parties. The user is
solely responsible for the transactions carried out through the user account. If
there is any indication that the user account has been misused

 

Cancellation policy

Part 1

Right of withdrawal

 

With a clear declaration, you can cancel your contract declaration within 14
days without giving reasons. This period begins after the conclusion of the
contract and after receipt on a durable medium (e.g. letter, fax, e-mail) of the
contractual provisions including the general terms and conditions as well as all
information listed in Section 2 below. In order for the revocation period to be
met, it is sufficient to send the revocation in good time if the notification is
made on a durable medium. The revocation must be sent to the following address:

 

 

Credipto GmbH

Speditionstraße 15a, D-40221 Düsseldorf

 

E-mail: info@credipto.com

 

Part 2

Information required for the start of the cancellation period

 

The information within the meaning of Section 1 Sentence 2 includes the
following information:

- the identity of the entrepreneur; the public company register in which the
legal entity is registered and the relevant registration number or equivalent
identifier must also be indicated;

- the main business activity of the entrepreneur and the supervisory authority
responsible for its approval;

- the address of the entrepreneur and other addresses relevant to the business
relationship between the entrepreneur and the consumer; the name of the
authorized representative in the case of legal entities, associations of persons
or groups of persons;

- the main characteristics of the financial service and information on how the
contract was concluded;

- the total price of the financial service, including all relevant price
components as well as all taxes paid through the entrepreneur, or, if a precise
price cannot be determined, the calculation basis that enables the consumer to
verify the price;

- an indication of any additional costs that may arise, as well as any possible
additional taxes or costs not paid or invoiced by the entrepreneur;

- indication that the financial service refers to financial instruments which,
due to their specific characteristics or the transactions to be carried out, are
subject to special risks or whose price is subject to fluctuations on the
financial market over which the entrepreneur has no influence, and that the
income obtained in the past is not an indicator of future returns;

- a limitation on the period of validity of the information provided; for
example, the period of validity of limited offers, in particular in relation to
price;

- details on payment and performance;

- the existence or non-existence of the right of withdrawal, as well as the
conditions of its exercise, its details, in particular the name and address of
the person to whom the withdrawal is to be declared, and the legal consequences
of the withdrawal, including: information on the amount that the consumer must
pay for the services rendered in the event of withdrawal; in the event that
he/she is obliged to pay compensation for the service that must be paid (basic
regulation: Article 357b of the Civil Code);

- the minimum duration of the contract, if it involves a permanent or regularly
recurring service;

- the conditions for termination of the contract, including contractual
penalties;

- the Member States of the European Union whose laws the entrepreneur relies on
when entering into the relationship with the consumer before concluding the
contract;

- a contractual clause on the law applicable to the contract or the competent
court;

- the languages in which the contractual conditions and the preliminary
information referred to in this cancellation policy are communicated, as well as
the languages in which the entrepreneur undertakes, with the consent of the
consumer, to communicate during the term of this contract;

- an indication as to whether the consumer can use the out-of-court complaints
and redress procedure to which the entrepreneur is subject and the access
requirements, if any.

 

Chapter 3

Consequences of the annulment

 

In the event of an effective cancellation, the services received by both parties
must be returned. If you were aware of this legal consequence before submitting
your contractual declaration and expressly agreed that the evaluation can start
before the end of the cancellation period, you are obliged to pay compensation
for the service provided up to the moment of cancellation. If you are obliged to
pay compensation, this may mean that you still have to fulfill the contractual
payment obligations for the period until the cancellation. Your right of
withdrawal expires prematurely if, before you exercise your right of withdrawal,
the contract has been fully performed by both parties at your express request.
Obligations regarding the return of payments must be fulfilled within 30 days.
For you, this period begins when you send us your notice of withdrawal, for us
it begins when we receive it.

 

Credipto GmbH

 

End of cancellation policy

- Services of the platform operator and use of the platform

- Credipto offers users the opportunity to contact issuers via the platform.

- Issuers have the possibility to publicize information and documents to
potential investors via the platform. Investors can also subscribe to financial
instruments online via the platform. In this context, Credipto is limited to
providing the technical requirements for organizing the signing of the contract
and the sending of documents, the transmission of declarations of intent as a
messenger and the provision of certain other services to issuers in connection
with the initiation and processing of the purchase of financial instruments (in
particular. Contract management and payment monitoring). Credipto does not
provide any additional services. In particular, Credipto has no discretion
regarding the conclusion of contracts between issuers and investors and/or the
management of the funding process. Credipto is not a party to the contract in
this respect. Credipto also does not act as an authorized representative of
either party in the conclusion of these contracts and does not accept any
payment within the framework of the brokered contracts. Credipto does not
provide any services that are subject to authorization under the Banking Act,
the Capital Investment Act or the Payment Services Supervision Act. As a rule,
payments are made through a licensed payment service provider or a so-called
payment intermediary.

- Credipto offers the user free use of the platform.

- Credipto has no advisory function and does not provide any services in this
regard. No financing and/or investment advice or tax and/or legal advice is
explicitly provided. Credipto only performs a check according to official
criteria before publishing an issuer's financing project on the platform. The
placement of a financing project on the platform does not constitute investment
advice. Credipto does not assess the creditworthiness of the issuer and does not
check the information provided by the issuer for accuracy, completeness or
timeliness. The platform operator does not provide investors with personal
advice on the purchase of financial instruments on the basis of an examination
of the personal situation of the respective investor. Unless the user has given
separate consent to data collection, the user's personal terms and conditions
will only be requested to the extent necessary for the execution of the
contractual relationship or - in the context of investment brokerage - where
required by law. In the context of investment brokerage, this is done for the
purpose of providing legally required information, but not with the intention of
giving the investor a personal recommendation to purchase a specific financial
instrument.

- The documents offered on the platform do not explicitly claim to contain all
the information necessary to evaluate a financial instrument offered. They do
not constitute a prospectus in the legal sense. Users should take advantage of
the possibility to ask questions to the issuer via the platform before making an
investment decision. If users are undecided whether to subscribe to the
financial instruments offered, they should seek information from independent
sources. The documentation provided on the platform cannot replace expert
advice. Users are strongly advised to obtain comprehensive information on the
legal, economic and tax implications of such an investment before subscribing to
the financial instruments offered. When subscribing to qualified subordinated
loans, users as lenders bear a higher entrepreneurial risk than the risk of a
normal lender. Loan capital, including interest claims, cannot be reclaimed due
to qualified subordination if it would cause the borrower to become insolvent.
This could lead to a complete loss of the invested capital and interest. Users
should note detailed risk information.

- The respective subscription amount can be freely chosen within the framework
set by the user. For investment, the user may only use his/her own liquid funds,
which are exempt from third-party rights.

- Comments made by users on the platform or in related blogs, etc., which are
deemed to be inappropriate or in violation of applicable laws, are not permitted
and will result in immediate deletion. They may also lead to the immediate
banning of the user from using the platform. Credipto reserves the right to
claim compensation.

- The information provided on the Platform is not intended for distribution to
or in the United States, Canada, Australia, Japan or any jurisdiction where such
offer or invitation to make such an offer is not permitted. Any breach of this
sharing restriction may constitute a violation of the laws of such
jurisdictions.

- Implementation of an investment

An investment through the platform works like this:

- A potential investor registers as a user on the platform and becomes aware of
financing projects. For this purpose, they use the information and documents
provided by the relevant issuer. The user will be able to ask questions to the
issuer about the financing project via the platform.

- To purchase a financial instrument, the investor and the issuer sign a
subscription agreement (“Subscription Agreement”) for the amount chosen by the
investor (“Deposit Amount”) using the digital process provided on the platform.
Depending on the process, Credipto transmits the contractual declarations of the
contracting parties to the counterparty as a messenger.

- The acquisition of the financial instrument becomes effective when the
counterparty (investor or issuer) accepts the subscription offer (“conclusion of
the contract”). The issuer will ask the investor to pay the deposit amount.
Depending on the financial instrument, the conclusion of the contract on an
individual basis may, within the meaning of Section 158 Paragraph 2 of the
German Civil Code (BGB), be enforceable, in particular if the deposit obligation
is not fulfilled and/or the minimum subscription volume is not reached within a
certain period of time.

- In the event of effective cancellation of the conclusion of the contract, the
issuer will ensure that the amount deposited by the user is transferred back to
the deposit account without any deductions or costs; this does not affect any
obligation to pay compensation or other rights in the event of cancellation by
the user.

- Duration and termination

- The current user agreement according to these General Terms and Conditions is
concluded indefinitely. It may be canceled at any time by the user or the
platform operator with one week's notice before the end of the month. This does
not affect the right of extraordinary termination.

- Cancellations by the user must be sent by e-mail to xxx@xxx-xxx.de. The user
will be informed of the termination by Credipto by e-mail to the e-mail address
last stored on the platform. The user is responsible for keeping this address
updated at all times.

- It must be clearly stated that existing contractual relationships between
users and issuers will not be affected by the termination of the user agreement.

- Availability

Credipto endeavors to provide comprehensive availability of the platform to the
extent technically possible and economically reasonable, but does not guarantee
this. In particular, maintenance work, security and capacity reasons, technical
conditions and events beyond Credipto's control may result in the platform being
temporarily or permanently inaccessible. Credipto reserves the right to restrict
access to the platform at any time and to the extent necessary, for example to
carry out maintenance work.

- Documentation

The user has no right to transfer or reproduce any documents, information and
documents downloaded from the platform. Publicly available information and
documents are exempt from this obligation. This obligation applies indefinitely
beyond the period of use of the platform and even after termination of this user
agreement. In the event that a user breaches this obligation, Credipto reserves
the right to claim possible damages. The same applies to the affected rights of
the issuers.

- Data protection

The collection and use of the user's personal data is carried out exclusively
within the framework of legal provisions, in particular taking into account the
applicable data protection law. Further information in this regard can be found
in the separate data protection declaration of the platform operator Credipto at
https://www.credipto.com/.

- Liability

- Credipto's liability for breach of contractual obligations and tort liability
is also limited to intent and gross negligence.

- In addition, Credipto is only liable for simple negligence in the event of
breach of essential contractual obligations, the fulfillment of which alone
ensures the proper execution of the contract and on which the user can rely on
regular compliance (“substantial negligent obligations”). A particularly
important basic obligation is the receipt and transmission of subscription
declarations via the platform. Liability for the main obligations is limited to
typical damages and/or typical damage dimensions that were foreseeable at the
time the contract was concluded.

- The above restrictions also apply to legal representatives, directors,
employees or vicarious agents of Credipto.

- The above limitations do not apply to liability under the Product Liability
Act arising from injury to life, body or health, nor to liability under the
Product Liability Act, nor to cases where Credipto provides express warranties.

- Credipto is not responsible for the information that issuers provide about
themselves on the platform or for the legal validity of contracts concluded
between the user and the issuer. It should be made clear that the information
that issuers provide about themselves on the platform is based entirely on the
statements and documents of the issuers. Therefore, it is understood that the
responsibility for this information lies solely with the issuer. This applies in
particular to the timeliness, accuracy and completeness of the information.
Credipto does not check the information provided.

- Availability

Credipto endeavors to provide comprehensive availability of the platform to the
extent technically possible and economically reasonable, but does not guarantee
this. In particular, maintenance work, security and capacity reasons, technical
conditions and events beyond Credipto 's control may result in the platform
being temporarily or permanently inaccessible. Credipto reserves the right to
restrict access to the platform at any time and to the extent necessary, for
example to carry out maintenance work.

- Documentation

The user has no right to transfer or reproduce any documents, information and
documents downloaded from the platform. Publicly available information and
documents are exempt from this obligation. This obligation applies indefinitely
beyond the period of use of the platform and even after termination of this user
agreement. In the event that a user breaches this obligation, Credipto reserves
the right to claim possible damages. The same applies to the affected rights of
the issuers.

- Data protection

The collection and use of the user's personal data is carried out exclusively
within the framework of legal provisions, in particular taking into account the
applicable data protection law. Further information in this regard can be found
in the separate data protection declaration of the platform operator Credipto at
https://www.credipto.com/.

- Liability

- Credipto 's liability for breach of contractual obligations and tort liability
is also limited to intent and gross negligence.

- In addition, Credipto is only liable for simple negligence in the event of
breach of essential contractual obligations, the fulfillment of which alone
ensures the proper execution of the contract and on which the user can rely on
regular compliance (“substantial negligent obligations”). A particularly
important basic obligation is the receipt and transmission of subscription
declarations via the platform. Liability for the main obligations is limited to
typical damages and/or typical damage dimensions that were foreseeable at the
time the contract was concluded.

- The above restrictions also apply to legal representatives, directors,
employees or vicarious agents of Credipto.

- The above limitations do not apply to liability under the Product Liability
Act arising from injury to life, body or health, nor to liability under the
Product Liability Act, nor to cases where Credipto provides express warranties.

- Credipto is not responsible for the information that issuers provide about
themselves on the platform or for the legal validity of contracts concluded
between the user and the issuer. It should be made clear that the information
that issuers provide about themselves on the platform is based entirely on the
statements and documents of the issuers. Therefore, it is understood that the
responsibility for this information lies solely with the issuer. This applies in
particular to the timeliness, accuracy and completeness of the information.
Credipto does not check the information provided.

- The https://www.credipto.com/ website of Credipto contains internet links to
external third-party websites. Credipto has no influence directly or indirectly
on the content of these linked websites. The respective provider or operator of
the website is always responsible for the correctness of the content, Credipto
therefore accepts no liability in this regard. Credipto checked external
websites (internet links) for possible legal violations at the time of linking.
No legal violations were found at the time the link was established. Credipto
cannot continuously check the entire content of the pages linked to
https://www.credipto.com/ without actual proof of a legal violation. If legal
violations become known, Credipto will remove the relevant links immediately.

 

- Final provisions

 

- The general terms and conditions may be amended by Credipto if necessary

- Credipto is obliged to ensure that the General Terms and Conditions comply
with applicable law or governmental requirements;

- Credipto complies with a court order or an order of an authority or a request
of an authority directed against it or one of its sub-service providers, or to
prevent or resolve complaints from an authority

- Changes in the legal framework relevant to the contractual relationship
between the parties, case law, administrative practice of a responsible
supervisory authority and/or changes in other contractual circumstances beyond
the control of both parties make it necessary to adapt the contract. General
Terms and Conditions (e.g. because the relevant clauses in the General Terms and
Conditions are now deemed ineffective due to such changes or because the
continued application of the General Terms and Conditions without appropriate
adjustments leads to a breach that may be sanctioned by supervisory law)

and that the changes made by Credipto will not have unreasonable consequences
for the user, unless they are unavoidable in accordance with the aforementioned
standard, and no changes will be made to the contractual services that are
interrelated.

Prior to the intended entry into force of the updated General Terms and
Conditions - Credipto will notify the user in text form and inform him/her
separately about the new regulations and the planned entry into force date. At
the same time, Credipto will give the user a reasonable period of at least two
months to declare whether he/she accepts the updated terms and conditions for
further use of the services. If no declaration is made within this period
starting from the receipt of the message in text form, the changed conditions
shall be deemed to have been accepted by implied declaration of intent. At the
beginning of the deadline, Credipto will inform the user separately about this
legal consequence, i.e. the right to object, the objection period and the legal
consequences of silence.

 * These terms of use are subject to the laws of the Federal Republic of Germany
   only. The contractual language and the relevant language of communication
   between the user and Credipto are German.

 

 * For users who are traders or who do not have a general jurisdiction in
   Germany or another EU member state, the place of jurisdiction for all legal
   disputes arising from this contractual relationship is the registered office
   of Credipto. In all other cases, the legal place of jurisdiction applies.

 

 * If individual provisions of these General Terms and Conditions are or become
   invalid, ineffective or unenforceable, the validity of these General Terms
   and Conditions shall not be affected. In this case, the parties are obliged
   to replace the invalid, ineffective or unenforceable provisions by provisions
   that are legally permissible and come closest to the intended purpose. The
   same applies in the event of gaps in the legislation.

 

 * The European Commission has set up a European online dispute resolution
   platform at http://ec.europa.eu/consumers/odr/. The consumer can use this
   platform to resolve a dispute arising from an online contract with a company
   established in the EU without going to court. To do this, he/she must fill
   out the online complaint form, which can be accessed at the given address.

 

 * We would like to point out that the following institution is responsible as
   the consumer arbitration board: Deutsche Bundesbank Arbitration Board, PO Box
   10 06 02, 60006 Frankfurt am Main, www.bundesbank.de/schlichtungsstelle. We
   are obliged to take part in a dispute resolution procedure before this
   consumer arbitration board.

İndir


RISK WARNINGS CONTRACT

Risk warnings

 1. General Information

 

The following general risk information outlines the risks that may be present
when investing in financial instruments, in particular investments or
securities, offered on the https://www.credipto.com/ platform. These general
risk warnings are supplemented by project-specific risk warnings for individual
financing projects. These project-specific risk warnings may differ from and
take precedence over the disclosures below. Project-specific risk information is
provided to investors in the context of the relevant investment.

 

The financial instruments offered are associated with economic, legal and tax
risks. Investors should therefore read the risk information below and the
relevant project-specific risk information carefully and take it into account
when making their decisions. In particular, the investor's investment should be
appropriate to its own financial circumstances and its investment in the
financial instruments offered should only represent a small portion of its total
assets.

 

Some of the legal and actual risks associated with the financial instruments
offered and important for the valuation of financial instruments are presented
below. Also presented are risk factors that may impair the ability of issuers
(“issuers”) to produce expected results.

 

Not all risks associated with investments can be described below. The risks
listed below cannot be exhaustively described here for all investments offered
on the platform. The chronological order of the risks listed does not allow any
conclusion to be drawn about the probability of their possible realization or
the extent of a potential impairment.

 

 2. general risks

 

 1. Maximum risk - risk of total loss

 

For many of the financial instruments offered, there is a risk of total loss of
the investment amount and interest receivable. The occurrence of individual
risks or the cumulative interaction of various risks may have a significant
negative impact on the expected results of an issuer, which may lead to its
bankruptcy. The individual investor may be exposed to additional financial
disadvantages. This may be the case, for example, if the investor finances the
acquisition of financial instruments with a loan, strictly schedules payments
from the financial instrument to cover other obligations despite the existing
risk of loss, or due to costs for back tax payments. In the worst case scenario,
such additional financial disadvantages can even lead to the personal bankruptcy
of the investor. Investors should therefore examine all risks taking into
account their personal situation and circumstances and, if necessary, seek
individual professional advice. External financing of investments (e.g. through
a bank loan) is strongly discouraged.

 

Financial instruments are only suitable as an addition to an investment
portfolio. Investment is only suitable for investors who can accept a loss up to
the total loss of their capital investment. As a rule, there is no legal or
other deposit protection. Furthermore, the financial instruments offered are
usually not suitable for pension provision.

 

On the other hand, there is usually no obligation to make additional
contributions or any other risk of liability exceeding the amount of invested
capital. In particular, asset investments offered on the platform under the
Asset Investment Act (e.g. qualified subordinated loans) never provide for an
investor's obligation to make additional contributions.

 

 1. Subordination risk

 

Some of the financial instruments offered on the platform are equipped with loss
participation (i.e. a reduction in investors' repayment claims in case the
issuer incurs losses) and/or qualified subordination and pre-bankruptcy
enforcement block. Such financial instruments are entrepreneurial financing with
a corresponding entrepreneurial risk of loss (liability function similar to
equity). However, the investor does not obtain any participation or control
rights under company law and therefore does not have the opportunity to
influence the realization of the entrepreneurial risk (in particular, the
investor does not have the opportunity to terminate loss-making business
activities before the invested capital is used). From the investor's point of
view, this type of contractual arrangement combines the disadvantages of debt
capital (in particular, the investor's participation in the asset, the
investor's influence over the management of the issuer, and the investor has no
other participation and information rights) with the disadvantages of equity
capital (the investor's participation in entrepreneurial risk, no obligation to
file for bankruptcy of the issuer if there is no possibility of repayment). For
the investor, this means that the risk assumed by the investor may in certain
respects be even higher than the entrepreneurial risk of a shareholder.

 

If a qualified subordination and pre-insolvency bar is recognized, all claims of
the investor, in particular claims for repayment and claims for interest or
profit participation (“subordination claims”), cannot be asserted against the
relevant issuer if they would give rise to a binding reason for the issuer to
file for insolvency proceedings or if such a reason for insolvency already
exists (pre-insolvency bar). The corresponding grounds for insolvency under
German law are insolvency and over-indebtedness (see below for further details).
For issuers domiciled abroad, these are replaced by the applicable grounds for
insolvency under the relevant national insolvency law.

 

A pre-insolvency bar to enforcement means that claims arising from financial
instruments are no longer enforceable if the issuer is insolvent or
over-indebted at the time of the payment request or if another ground for
insolvency exists under the law applicable to the issuer or is threatened to
materialize as a result of the payment. The investor's claims will be
permanently barred from enforcement unless and to the extent that the issuer's
crisis is resolved. This may result in the investor's claims being permanently
unenforceable even outside of insolvency proceedings.

 

Insolvency occurs if the issuer is unable to fulfill its payment obligations as
they fall due (Section 17 (2) of the German Insolvency Act).

 

Over-indebtedness exists if the issuer's assets can no longer cover its current
liabilities, if it is predominantly unlikely under these circumstances that the
issuer will be able to continue its activities (Section 19 (2) of the German
Insolvency Act).

 

In the case of foreign issuers, the valid insolvency grounds of the issuer under
the relevant national insolvency law are specified in the project documentation.

 

These legal provisions may change in the future. This will also change the
requirements and conditions under which the pre-insolvency enforcement bar
applies. 

 

Qualified subordination, including the pre-insolvency enforcement bar, may have
the following effects: The issuer would have to suspend interest and redemption
payments or dividend payments for as long as it is obliged to do so, if the
pre-bankruptcy enforcement bar is triggered. The investor will not be able to
claim its claims when due.

The investor will be obliged to repay, upon demand, an interest or redemption
payment or a dividend payment that it has wrongfully received despite qualified
loyalty to the issuer.

 

There is also the possibility that the investor may not receive, or may not
receive in a timely manner, interest payments or redemption payments or a profit
participation payment as a result of the subordination. In addition, the
investor may have to pay tax on interest or dividends already paid, even if the
investor is obliged to repay the amounts received.

 

The investor's subordinated claims are also subject to the following claims in
the event of liquidation proceedings and bankruptcy of the issuer: Qualified
subordination applies to all present and future claims of all non-subordinated
creditors of the issuer and - in the case of issuers domiciled in Germany - to
all subordinated claims referred to in Section 39(1) of the German Insolvency
Act.

 

Consequently, the investor's claims will only be taken into account after all
other creditors of the issuer have been fully and finally satisfied.  In the
case of foreign issuers, the applicable ranking of subordinated claims in the
event of the issuer's bankruptcy and/or liquidation is disclosed in the
project-related documentation.

 

 1. Risks arising from lack of collateralization

 

If the financial instruments are unsecured, the investor will not be able to
satisfy, in the event of the issuer's insolvency, any claim for repayment of the
invested capital or any claim for payment of interest or distribution of profits
arising from the collateral. Particularly in the case of insolvency, this may
mean that the claims of individual investors cannot be satisfied or can only be
satisfied to a lesser extent. This may result in payments not being made or not
being made on time or in partial or total loss of the investment amount.

 

 1. Risks in case of final redemption

 

Depending on the financial instrument, it may be agreed that the issuer must
repay all or part of the capital provided at maturity on a specific date (bullet
repayment). If the issuer is unable to raise the capital required for redemption
from its business activities and/or obtain the necessary follow-up financing by
that date, there is a risk that the final redemption cannot be made or cannot be
made on schedule. An investment in a bullet repayment financial instrument
involves a higher risk than, other things being equal, for example, an annuity
or installment repayment financial instrument.

 

 1. Marketability (fungibility), availability of invested capital, long-term
    commitment

 

Financial instruments brokered on the platform usually have a fixed contractual
term. In these cases, early ordinary cancellation by the investor is not
foreseen.

 

Investments are not securities and are not comparable to securities. There is no
liquid secondary market for brokered investments. Even if the sale of financial
instruments by the investor is in principle legally possible, there will usually
be no opportunity to sell financial instruments due to small market sizes and
trading volumes. As a result, if the investor wishes to sell, it may not be
possible to find a buyer or the sale may only be possible at a lower price than
desired. The investment amount may remain tied until the end of the contract
term.

 

 3. relevant issuer-level risks

 

In many cases, the financial instruments intermediated here are corporate
financings. In these cases, the investor bears the risk of an unfavorable
business development of the issuer. There is a risk that the issuer may not have
the necessary funds in the future to fulfill the demands of investors and/or to
distribute profits. Neither the economic success of the issuer's future business
activities nor the success of the projects pursued by the issuer can be
predicted with certainty. Issuers can neither guarantee nor assure the amount
and timing of inflows.

 

 1. Issuer default risk (issuer risk)

 

Issuers may become insolvent or over-indebted. This may be particularly the case
if an issuer has lower revenues and/or higher expenses than expected or is
unable to provide the necessary follow-up financing. The insolvency of an issuer
can lead to the loss of investors' investments and interest, as issuers are not
part of any deposit protection scheme.

 

 1. Special purpose vehicle

 

The Issuer may be a special purpose vehicle that has no other business other
than the realization of the planned project (e.g. in the fields of wind turbines
or real estate) to absorb potential losses and overcome payment difficulties.
Whether and when investors' claims can be satisfied and/or profit distributions
can be made depends in these cases to a large extent on the progress and
economic success of the relevant project.

 

 1. Early company stage

 

The issuer may also be a company at an early corporate stage that has not yet
generated a positive operating cash flow (i.e. the outflow of liquid funds due
to business activities initially exceeds the inflow of liquid funds). Financing
such young companies is associated with certain risks. If a business idea does
not succeed on the market or the planned business expansion does not materialize
as hoped, there is a risk of total losses for investors. The success of a
company depends on various factors such as the team, specific key people,
experts and advisors, market environment, supplier relations, technological
developments, property rights, legal framework conditions, competitors and other
components. Investors who invest in an early-stage company are much more likely
to lose their invested capital than to realize a return on their invested
capital.

 

 1. Risks arising from business activities and the realization of the project
    pursued by the relevant issuer

 

Various risk factors may adversely affect the ability of operating issuers to
fulfill their obligations arising from financial instruments. On the one hand,
these are risks arising from the realization of the project carried out by the
relevant issuer. On the other hand, the general business activities of the
relevant issuer may also be associated with risks. These and/or other risks may
have a negative impact on the issuer's asset, financial and earnings position.
As a result, issuers may not have the necessary funds to fulfill the demands of
investors in the future and/or to distribute profits and repay the debt on the
financial instrument issued.

 

 1. Key person risk

 

The loss of key personnel of an entrepreneurial issuer entails the risk that
specialized knowledge is no longer available and therefore qualified business
development and risk management can no longer be guaranteed as before. The loss
of such key personnel can have a detrimental impact on the economic development
of the issuer concerned.

 

 1. Forecast risk

 

Estimates of the course of the project, the costs of carrying out the project
and the revenue that may be generated, among other things, may prove to be
inaccurate.

 

Previous market or business developments are not a basis or indication of future
developments.

 

 1. Legal change risk

 

The presentation of the legal consequences of an investment in a financial
instrument is based on the state of the law in force at the time of the offer,
court decisions and administrative practice applied to date. Changes or reforms
in the application of existing legal norms by the competent authorities and
courts, as well as future changes in legal norms may have negative consequences
for the platform, the issuer and the investor. There is no guarantee that the
laws and regulations, judicial and administrative practice in force at the time
of the Offer will not change. On the contrary, the investor bears the risk of
legal changes.

 

 4. Investor level risks

 

 1. Debt financing risk

 

Depending on the individual circumstances, the investor may suffer further
financial disadvantages in individual cases, for example due to additional tax
payments. If the investor finances the purchase of the financial instrument
externally, for example by taking out a private loan from a bank, the investor's
other assets may be jeopardized in addition to the loss of the invested capital.
In this case, the investor's maximum risk is over-indebtedness, which in the
worst case can lead to the investor's personal bankruptcy. This can happen if
the investor is unable to cover the interest and amortization expenses arising
from debt financing due to little or no return on the financial instrument. We
therefore strongly advise against borrowing against the financial instruments
offered.

 

 1. Note on risk diversification and avoidance of risk concentration

 

Due to its risk nature, an investment in one of the financial instruments
brokered on the platform should be considered as only one component of a
diversified (risk-mixed) investment portfolio. As a general rule, the higher the
return or gain, the greater the risk of loss. Better risk diversification and
avoidance of “cluster risks” can be achieved by spreading invested capital
across various asset classes and financial instruments.

 

 1. Risk of changes in the legal and tax framework

 

It cannot be ruled out that brokered financial instruments may be affected by
future tax, corporate or other legislative changes in a way that requires a
corresponding deduction to be applied to payments owed, so that the expected
results for the investor may not be achieved (or may no longer be achieved).
There is also the risk that the acquisition, sale or redemption of financial
instruments may be taxed, resulting in additional costs for the investor. These
costs may also have to be borne by the investor in the event of a total loss of
the investment amount. The assumption of these costs may lead to the personal
bankruptcy of the investor.

 

 5. information from the platform operator
 6. Scope of the offer review by the Platform Operator

 

The Platform Operator, acting as a contractual agent on behalf of, for the
account and under the responsibility of Effecta GmbH (liability umbrella), will
only carry out a suitability check prior to the publication of a financial
instrument or financing project on the Platform. Publishing on the Platform does
not constitute a recommendation for an investment. The Platform Operator does
not assess the creditworthiness of the relevant issuer and does not check the
accuracy, completeness or timeliness of the information provided by the issuer.

 

 1. Activity profile of the platform operator

 

The platform operator does not have an advisory function, does not provide
advisory services and does not provide any consulting services. In particular,
it does not provide financial and/or investment advice or tax and/or legal
advice. The platform operator does not provide investors with personal
recommendations for the acquisition of financial instruments based on an
examination of the personal circumstances of the respective investor. Personal
circumstances are inquired into only to the extent required by law in the
context of investment brokerage and only for the purpose of providing
information required by law, but not for the purpose of making a personal
recommendation to an investor to purchase a particular financial instrument.

 

 1. Information content of documents

 

In the case of offerings for which a formal prospectus has not been prepared
(prospectus-exempt offerings), the project description and other documents of an
offered financial instrument on the platform do not purport to contain all the
information necessary to evaluate an offered financial instrument. Investors
should take the opportunity to ask questions of issuers on the platform before
making an investment decision. Investors should also seek information from
independent sources or seek expert advice if they are unsure whether they should
subscribe to the financial instruments offered. As each investor may be pursuing
personal objectives with their investments, the information provided and
assumptions made by the issuer should be carefully scrutinized in light of
individual circumstances.

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TERMS OF USE

Terms of use page content
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CONTACT US

Contact us page content
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CUSTOMER SERVICE

Customer service page content
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WHAT'S NEW

What's New page content
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PAYMENT POLICY

Payment Policy page content
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SHIPPING POLICY

Shipping Policy page content
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PRIVACY POLICY

Privacy Policy page content
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Modules5Messages2TimelineExceptionsViews27RouteQueries46Models65MailsGateSessionRequest
Request history#1 / (15:41:47)8.2.22PHP Version1.3sRequest Duration38MBMemory
UsageGET /Route
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      1admin_marketplace690ms
    * select * from `cms_page_translations` where
      `cms_page_translations`.`cms_page_id` in (11)admin_marketplace700ms

 * Webkul\Paypal010
   
   DetailsViews
    * paypal::checkout.onepage.paypal-smart-button
      (packages/Webkul/Paypal/src/Resources/views/checkout/onepage/paypal-smart-button.blade.php)

 * Webkul\Velocity1221
   
   DetailsModels
    * 0. Webkul\Velocity\Models\VelocityMetadata (1)
   
   Views
    * shop::home.index (resources/themes/velocity/views/home/index.blade.php)
    * shop::home.slider (resources/themes/velocity/views/home/slider.blade.php)
    * shop::home.advertisements.advertisement-four
      (resources/themes/velocity/views/home/advertisements/advertisement-four.blade.php)
    * shop::home.featured-products
      (resources/themes/velocity/views/home/featured-products.blade.php)
    * shop::home.product-policy
      (resources/themes/velocity/views/home/product-policy.blade.php)
    * shop::home.advertisements.advertisement-three
      (resources/themes/velocity/views/home/advertisements/advertisement-three.blade.php)
    * shop::home.new-products
      (resources/themes/velocity/views/home/new-products.blade.php)
    * shop::home.advertisements.advertisement-two
      (resources/themes/velocity/views/home/advertisements/advertisement-two.blade.php)
    * shop::layouts.master
      (resources/themes/velocity/views/layouts/master.blade.php)
    * shop::layouts.styles
      (resources/themes/velocity/views/layouts/styles.blade.php)
    * shop::layouts.header.index
      (resources/themes/velocity/views/layouts/header/index.blade.php)
    * DefaultTheme::layouts.header.mobile
      (resources/themes/velocity/views/layouts/header/mobile.blade.php)
    * DefaultTheme::layouts.header.recursive
      (resources/themes/velocity/views/layouts/header/recursive.blade.php)
    * velocity::shop.layouts.particals.search-bar
      (packages/Webkul/Velocity/src/Resources/views/shop/layouts/particals/search-bar.blade.php)
    * DefaultTheme::layouts.header.desktop
      (resources/themes/velocity/views/layouts/header/desktop.blade.php)
    * DefaultTheme::layouts.particals.search-bar
      (resources/themes/velocity/views/layouts/particals/search-bar.blade.php)
    * DefaultTheme::checkout.cart.mini-cart
      (resources/themes/velocity/views/checkout/cart/mini-cart.blade.php)
    * DefaultTheme::layouts.top-nav.login-section
      (resources/themes/velocity/views/layouts/top-nav/login-section.blade.php)
    * shop::layouts.mainpage-items.index
      (resources/themes/velocity/views/layouts/mainpage-items/index.blade.php)
    * shop::layouts.footer.index
      (resources/themes/velocity/views/layouts/footer/index.blade.php)
    * shop::layouts.scripts
      (resources/themes/velocity/views/layouts/scripts.blade.php)
    * DefaultTheme::layouts.global-modal
      (resources/themes/velocity/views/layouts/global-modal.blade.php)
   
   Queries
    * select * from `velocity_meta_data` where `locale` = 'en' and `channel` =
      'default'admin_marketplace2.62s

 * warninglog[15:41:47] LOG.warning: mb_substr(): Passing null to parameter #1
   ($string) of type string is deprec...
 * warninglog[15:41:47] LOG.warning: mb_substr(): Passing null to parameter #1
   ($string) of type string is deprec...


 * Booting (862ms)time
 * Application (439ms)time

 * 1 x Booting (66.24%)
   862ms
   1 x Application (33.76%)
   439ms


27 templates were rendered
 * shop::home.indexindex.blade.php#?blade
 * shop::home.sliderslider.blade.php#?blade
 * __components::451f7025b4f81db6fc26151f1204f1791cadbfdc451f7025b4f81db6fc26151f1204f1791cadbfdc.blade.php#?blade
 * shop::home.advertisements.advertisement-fouradvertisement-four.blade.php#?blade
 * shop::home.featured-productsfeatured-products.blade.php#?blade
 * shop::home.product-policyproduct-policy.blade.php#?blade
 * shop::home.advertisements.advertisement-threeadvertisement-three.blade.php#?blade
 * shop::home.new-productsnew-products.blade.php#?blade
 * shop::home.advertisements.advertisement-twoadvertisement-two.blade.php#?blade
 * shop::layouts.mastermaster.blade.php#?blade
 * shop::layouts.stylesstyles.blade.php#?blade
 * shop::layouts.header.indexindex.blade.php#?blade
 * DefaultTheme::layouts.header.mobilemobile.blade.php#?blade
 * DefaultTheme::layouts.header.recursiverecursive.blade.php#?blade
 * velocity::shop.layouts.particals.search-barsearch-bar.blade.php#?blade
 * DefaultTheme::layouts.header.desktopdesktop.blade.php#?blade
 * DefaultTheme::layouts.particals.search-barsearch-bar.blade.php#?blade
 * DefaultTheme::checkout.cart.mini-cartmini-cart.blade.php#?blade
 * DefaultTheme::layouts.top-nav.login-sectionlogin-section.blade.php#?blade
 * shop::layouts.mainpage-items.indexindex.blade.php#?blade
 * subscribersubscriber.blade.php#?blade
 * popuppopup.blade.php#?blade
 * shop::layouts.footer.indexindex.blade.php#?blade
 * core::blade.tracer.stylestyle.blade.php#?blade
 * paypal::checkout.onepage.paypal-smart-buttonpaypal-smart-button.blade.php#?blade
 * shop::layouts.scriptsscripts.blade.php#?blade
 * DefaultTheme::layouts.global-modalglobal-modal.blade.php#?blade


uriGET /middlewareweb, locale, theme,
currencycontrollerWebkul\Shop\Http\Controllers\HomeController@indexnamespaceprefixwhereasshop.home.indexfilepackages/Webkul/Shop/src/Http/Controllers/HomeController.php:27-32
46 statements were executed (6 duplicates)Show only duplicates60.33ms
 * select * from `channels` where `code` = 'default'
   
   680μsadmin_marketplaceBaseRepository.php#538
   
   BindingsBacktrace

 * select * from `locales` where `locales`.`id` = 1 limit 1
   
   920μsadmin_marketplaceTranslatable.php#164
   
   BindingsBacktrace

 * select * from `currencies` where `currencies`.`id` = 2 limit 1
   
   860μsadmin_marketplaceTranslatable.php#164
   
   BindingsBacktrace

 * select * from `currencies` where `code` = 'EUR'
   
   330μsadmin_marketplaceBaseRepository.php#538
   
   BindingsBacktrace

 * select * from `locales` where `code` = 'en'
   
   770μsadmin_marketplaceBaseRepository.php#538
   
   BindingsBacktrace

 * select * from `sliders` where `channel_id` = 1 and find_in_set('en', locale)
   and (`expired_at` >= '2024-11-06' or `expired_at` is null) order by
   `sort_order` asc
   
   1.28msadmin_marketplaceSliderRepository.php#208
   
   BindingsBacktrace

 * select * from `velocity_meta_data` where `locale` = 'en' and `channel` =
   'default'
   
   2.62msadmin_marketplaceBaseRepository.php#559
   
   BindingsBacktrace

 * select * from `locales` order by `name` asc
   
   980μsadmin_marketplaceBaseRepository.php#344
   
   Backtrace

 * select * from `channel_translations` where
   `channel_translations`.`channel_id` = 1 and
   `channel_translations`.`channel_id` is not null
   
   1.39msadmin_marketplaceTranslatable.php#164
   
   BindingsBacktrace

 * select * from `core_config` where `code` =
   'catalog.products.homepage.no_of_featured_product_homepage'
   
   1.23msadmin_marketplaceBaseRepository.php#559
   
   BindingsBacktrace

 * select * from `core_config` where `code` =
   'catalog.products.homepage.no_of_new_product_homepage'
   
   1.03msadmin_marketplaceBaseRepository.php#559
   
   BindingsBacktrace

 * select * from `core_config` where `code` =
   'general.content.custom_scripts.custom_css' and `channel_code` = 'default'
   
   1.43msadmin_marketplaceBaseRepository.php#559
   
   BindingsBacktrace

 * select * from `categories` where `status` = 1
   
   1.9msadmin_marketplaceCategoriesHeplers.php#13
   
   BindingsBacktrace

 * select * from `category_translations` where
   `category_translations`.`category_id` in (1, 2)
   
   4.46msadmin_marketplaceCategoriesHeplers.php#13
   
   Backtrace

 * select `locales`.*, `channel_locales`.`channel_id` as `pivot_channel_id`,
   `channel_locales`.`locale_id` as `pivot_locale_id` from `locales` inner join
   `channel_locales` on `locales`.`id` = `channel_locales`.`locale_id` where
   `channel_locales`.`channel_id` = 1 order by `name` asc
   
   4.48msadmin_marketplacemobile.blade.php#15
   
   BindingsBacktrace

 * select `currencies`.*, `channel_currencies`.`channel_id` as
   `pivot_channel_id`, `channel_currencies`.`currency_id` as `pivot_currency_id`
   from `currencies` inner join `channel_currencies` on `currencies`.`id` =
   `channel_currencies`.`currency_id` where `channel_currencies`.`channel_id` =
   1
   
   3.41msadmin_marketplaceTranslatable.php#164
   
   BindingsBacktrace

 * select * from `categories` where `status` = 1
   
   610μsadmin_marketplaceCategoriesHeplers.php#13
   
   BindingsBacktrace

 * select * from `category_translations` where
   `category_translations`.`category_id` in (1, 2)
   
   1.51msadmin_marketplaceCategoriesHeplers.php#13
   
   Backtrace

 * select * from `core_config` where `code` =
   'general.content.shop.image_search' and `channel_code` = 'default' and
   `locale_code` = 'en'
   
   740μsadmin_marketplaceBaseRepository.php#559
   
   BindingsBacktrace

 * select * from `categories` where `status` = 1
   
   570μsadmin_marketplaceCategoriesHeplers.php#13
   
   BindingsBacktrace

 * select * from `category_translations` where
   `category_translations`.`category_id` in (1, 2)
   
   440μsadmin_marketplaceCategoriesHeplers.php#13
   
   Backtrace

 * select * from `core_config` where `code` =
   'taxes.catalogue.pricing.tax_inclusive'
   
   840μsadmin_marketplaceBaseRepository.php#559
   
   BindingsBacktrace

 * select * from `core_config` where `code` =
   'general.content.custom_scripts.custom_javascript' and `channel_code` =
   'default'
   
   1.05msadmin_marketplaceBaseRepository.php#559
   
   BindingsBacktrace

 * select `cms_pages`.`id`, `cms_page_translations`.`page_title`,
   `cms_page_translations`.`url_key`, `cms_page_translations`.`html_content`
   from `cms_pages` left join `cms_page_translations` on `cms_pages`.`id` =
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   'en' where `cms_pages`.`is_active` = 1
   
   9.67msadmin_marketplaceglobal-modal.blade.php#10
   
   BindingsBacktrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'membership-agreement-contract') limit 1
   
   970μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (1)
   
   2.1msadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'data-protection-contract') limit 1
   
   1.06msadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (2)
   
   660μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'terms-and-conditions') limit 1
   
   790μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (3)
   
   560μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'risk-warnings-contract') limit 1
   
   880μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (4)
   
   1.29msadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'terms-of-use') limit 1
   
   1.31msadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (5)
   
   660μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'contact-us') limit 1
   
   720μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (6)
   
   490μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'cutomer-service') limit 1
   
   640μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (7)
   
   330μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'whats-new') limit 1
   
   620μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (8)
   
   460μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
   where `cms_pages`.`id` = `cms_page_translations`.`cms_page_id` and
   `cms_page_translations`.`url_key` = 'payment-policy') limit 1
   
   530μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (9)
   
   480μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
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   `cms_page_translations`.`url_key` = 'shipping-policy') limit 1
   
   640μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (10)
   
   550μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

 * select * from `cms_pages` where exists (select * from `cms_page_translations`
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   690μsadmin_marketplaceCmsRepository.php#89
   
   BindingsBacktrace

 * select * from `cms_page_translations` where
   `cms_page_translations`.`cms_page_id` in (11)
   
   700μsadmin_marketplaceCmsRepository.php#89
   
   Backtrace

Thorne\Funding\Models\Categories\CategoryTranslations21CategoryTranslations.php#?Webkul\CMS\Models\CmsPage11CmsPage.php#?Webkul\CMS\Models\CmsPageTranslation11CmsPageTranslation.php#?Thorne\Funding\Models\Categories\CategoriesItems6CategoriesItems.php#?Webkul\Core\Models\Locale5Locale.php#?Webkul\Core\Models\ChannelTranslation5ChannelTranslation.php#?Webkul\Core\Models\Currency3Currency.php#?Webkul\Core\Models\Channel1Channel.php#?Webkul\Velocity\Models\VelocityMetadata1VelocityMetadata.php#?Webkul\Core\Models\CoreConfig1CoreConfig.php#?


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  "_flash" => array:2 [▶
    "old" => []
    "new" => []
  ]
]


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