Terms of Use

I. Acceptance of Terms

N26 Inc. (referred to as “N26”, “us”, “we”, “our”) provides this Website www.n26.com/us (hereinafter: “Website”). Your access and use of the Website is subject to these Terms of Use and our Privacy Policy. By accessing and using the Website, you understand and agree to these Terms of Use (“Terms”) and N26’s Privacy Policy. We reserve the right to change these Terms from time to time with or without notice to you. You acknowledge and agree that it is your responsibility to periodically review the Terms and Privacy Policy. Your continued use of this Website and any offerings made available on the Website, including but not limited to joining product launch waitlists and use of our products, after such modifications will constitute acknowledgement and acceptance of the modified Terms. N26 means N26 Inc. and its affiliates. For purposes of these terms, “Affiliates” includes N26’s owners, licensees, assigns, subsidiaries, affiliated companies, officers, directors, employees, sponsors, and third-party vendors and includes (without limitation) all parties involved in creating, producing, and/or delivering this Website and/or contents and offerings available on this Website.

II. Site Uses and Conduct

This Website is intended for your personal, non-commercial use. Your use of the Website is subject to all applicable laws and regulations.You will not collect or store personal information or data associated with other users of the Website. You will not publish, post, upload, email or otherwise transmit any advertising or promotional materials, including junk or bulk email (“spam”), chain letters or any other form of unauthorized communication. You will use and access this Website for lawful purposes only. You will not access or use this Website for any purpose that is unlawful. If you submit content to the Website, you will not submit illegal, profane, or otherwise injurious to N26 or its Affiliates. You will not access or use the Website to infringe on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party. You will not access or use this Website in a way that could damage, disrupt, or limit the functionality of the Website or otherwise interfere or cause damage to N26 or the Website, including but not limited to uploading computer codes, files or programs that may interfere with the Website, its functionality, or any hardware, software or telecommunications equipment. You will not access or use the Website to attempt to or to actually obtain unauthorized access to the Website, computer systems and networks associated with the Website, or data or other information of any third party by any means. You will not access or use the Website to breach the security of, compromise or otherwise gain access to secured, protected or inaccessible areas of the Website. You will not impersonate any other person or entity, including our employees or representatives. You are solely responsible for your use and access to the Website.

III. Intellectual Property

The Website and its content is protected by any and all intellectual property and/or other proprietary rights available within the United States. All rights, title and interests in this Website and its content is the sole and exclusive property of N26 or its affiliates except as stated otherwise. For purposes of these Terms, “content” means any information, communications, software, published works, photos, video, graphics, music, sound, or other material that can be viewed by users on our Website and is owned by N26 or its affiliates. All custom graphics, icons, logos and service names on the Website are registered trademarks, trademarks or service marks of N26 or their respective third-party owners. Nothing in these Terms grants you any right to use any mark. Any unauthorized use of Website content violates our intellectual property interests and could result in criminal or civil penalties. All communications or material sent by you to us will be treated as non-confidential and nonproprietary information to us, unless as stated in our Privacy Policy.

IV. Warranty Disclaimer and Limitation of Liability

You understand and acknowledge that we cannot promise or guarantee specific results for using the Website or any offerings available on the Website. N26 does not warrant, expressly or in an implied manner, the Website or offerings made available on the site for any particular purpose. N26 expressly disclaims any and all implied warranties, including but not limited to title, non-infringement, and merchantability or fitness for a particular purpose.

Without limiting the foregoing, we make no warranty that the Website or its content or offerings will meet your requirements, be uninterrupted, timely or error-free. N26 cannot and does not guarantee the validity, accuracy, timeliness, completeness, results, of the site or its content or offerings. N26 or its affiliates are not responsible for any damage or loss that may result from a third-party’s interception of the content or offerings made available to you on the Website. This Website could include technical or other mistakes, inaccuracies or typographical errors. N26 may make changes to the content and offerings at this Website at any time without notice.

The use of the offerings or the downloading or other acquisition or any site content is done at your own discretion and risk and with your agreement that you will be solely responsible for any damage to your computer system or loss of data that results from such activities. N26 and its affiliates will not have any liability or responsibility of any kind whatsoever for any damage or loss in the event of or in connection with any of the following: any failure or interruption of this Website; any error, act or omission in the technical content and operation of the site; any error in the site content; any offerings or service made available in the Website.

V. Termination of Use

You agree that we may, at our sole discretion, terminate or suspend your access to all or part of the Website with or without notice and for any reason, including, without limitation, breach of these Terms. Any suspected fraudulent, abusive or illegal activity may be grounds for barring your access to this Website, and reporting you to the proper authorities, if necessary. We shall not be liable to you or any third party for any claims for damages arising out of any termination or suspension or any other actions taken by us in connection therewith.

VI. Miscellaneous: International Use

Although this Website may be accessible worldwide, we make no representation that materials on this Website are appropriate or available for use in locations outside the United States. Those who choose to access this Website from other locations do so on their own initiative and at their own risk. If you choose to access this Website from outside the United States, you are responsible for compliance with local laws in your jurisdiction. Any offering made in connection with this Website is void where prohibited.