Terms and Conditions
§ 1 Scope
These Terms and Conditions apply to the use of the website "TotallyNotRich.com" (hereinafter "Website") by Lumiflow UG (limited liability), Hauptstraße 10/1, 74232 Abstatt (hereinafter "Provider").
§ 2 Service Description
The Provider offers free investment simulation tools through the website. These serve exclusively educational and informational purposes. In addition, the user may purchase paid digital reports (e.g., PDF reports) that are individually generated from the simulations. Paid services become available only after successful payment.
§ 3 Paid Services, Payment Processing and Refunds
The Provider uses the payment processor Paddle.com Market Ltd, 70 Wilson St, London EC2A 2DB, United Kingdom ("Paddle") for all paid orders. Paddle acts as Merchant of Record, processes the payment in its own name, issues the invoice and handles statutory tax remittance. When placing an order, the Paddle Buyer Terms apply in addition to these Terms and Conditions.
Depending on the region, payments can be made via common credit cards, PayPal and the local payment methods provided by Paddle. Charges are made in the currency displayed during checkout. After a successful payment the user receives a download link or access to the digital report.
A 14-day refund right applies to every digital purchase processed via Paddle, counting from the purchase date. To request a withdrawal or refund, the user may follow the "View Order" link in the Paddle order confirmation email or contact [email protected], providing the order number, email address and reason for the request. After Paddle reviews the request, the amount will be refunded via the original payment method. Any digital content that has been refunded must no longer be used.
§ 4 Use of the Website
The use of the website is at the user's own responsibility. The user undertakes to:
- Use the website only for lawful purposes
- Not transmit harmful or illegal content
- Respect the rights of third parties
- Not use automated systems to use the website without prior consent
§ 5 No Investment Advice
Important Notice: The information, simulations and tools provided on this website do not constitute investment advice, financial advice or recommendation to buy or sell financial instruments.
All simulations and calculations are based on historical data and serve exclusively for educational purposes. Past performance is not an indicator of future results. The user is solely responsible for his investment decisions.
§ 6 Disclaimer
The Provider is only liable for damages caused by intentional or grossly negligent behavior. Liability for slight negligence is excluded, unless damages result from injury to life, body or health or from the violation of essential contractual obligations (cardinal obligations).
The Provider assumes no liability for:
- The accuracy, completeness or timeliness of the information provided
- The correctness of calculations, simulations or historical market data
- Investment losses or financial damages arising from the use of the simulations
- Technical disruptions or failures of the website
- Damage from malware or other harmful software
Express Notice: All calculations and simulations are performed to the best of our knowledge and belief, however no guarantee is given for their accuracy. Users should verify all results independently.
§ 7 Copyright and Intellectual Property
All contents of the website, including texts, graphics, logos, images and software, are protected by copyright and are the property of the Provider or licensed. Use is only permitted within the scope of ordinary use of the website.
§ 8 Data Protection
The protection of personal data is important to us. Details on data processing can be found in our Privacy Policy.
Special feature: All simulations and calculations are performed locally in your browser. We do not store or transmit any of your input data or simulation results.
§ 9 Availability
The Provider strives for uninterrupted availability of the website. However, there is no claim to permanent availability. The Provider reserves the right to change or discontinue the website at any time, in whole or in part.
§ 10 Links to External Websites
The website may contain links to external websites. The Provider has no influence on the content of these websites and assumes no responsibility for their content or privacy practices.
§ 11 Changes to the Terms and Conditions
The Provider reserves the right to change these Terms and Conditions at any time. Changes will be published on the website and become effective from the time of publication.
§ 12 Final Provisions
Should individual provisions of these Terms and Conditions be or become invalid, the validity of the remaining provisions shall remain unaffected.
German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. The place of jurisdiction for all disputes is Abstatt, provided the user is a merchant, legal entity under public law or special fund under public law.
Last updated: January 2026