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Terms and Conditions

GRANDEA GmbH "All-in Business App".

Version September 2026

Information about GRANDEA GmbH "All-in Business App" and its services

Company

GRANDEA GmbH "All-in Business App" (hereinafter referred to as: "the Company" or "we")

Registered Office, Business Address

Erzherzog-Karl-Straße 25/1

AT-1220 Vienna, Austria

Communication

Language of communication: German

Phone: +43 676 884004167

Email: office@businesscluballin.com

Website: www.businesscluballin.com

Companies Register, VAT ID, Trade Register

Companies Register Number: FN 669425z | Companies Register Court: Vienna Commercial Court

VAT ID: ATU 80571757

GISA Number: 39061645, 38120565

Legal Form, Trade Licence, Business Activity

GRANDEA GmbH "All-in Business App" is a limited liability company under Austrian law, seated in Vienna, registered in the Companies Register of the Vienna Commercial Court under FN 669425z.

GRANDEA GmbH "All-in Business App" holds the following trade licences:

  • services in automated data processing and information technology
  • collecting and disseminating publicly accessible information

GISA number(s): 38120565, 39061645.

Competent trade authority: Magistratisches Bezirksamt for the 22nd District (Vienna).

GRANDEA GmbH "All-in Business App" operates the digital platform "All-in Business App". The platform collects, structures and provides publicly accessible information, in particular on economic, entrepreneurial, financial, tax, legal, real-estate-related and event-related topics. This content serves general information purposes only and does not replace individual professional advice.

GRANDEA GmbH "All-in Business App" is, in particular, not a credit institution, investment firm, insurance intermediary, commercial financial adviser, tax adviser, lawyer or real estate trustee, unless and to the extent a corresponding authorisation is expressly indicated. Accordingly, it does not itself provide advisory, intermediary or representative services reserved for these professional groups.

Through the platform, users can obtain information about independently operating professionals and authorised cooperation partners and get in touch with them. Professional services are provided exclusively by the respective commissioned, appropriately authorised provider, on its own responsibility and at its own expense.

Where a contract for such a professional service is concluded, it is concluded directly between the user and the respective provider. GRANDEA GmbH "All-in Business App" does not become a party to the contract for the professional service concerned, unless expressly stated otherwise in the specific offer.

The respective providers are themselves responsible for the scope, quality, lawfulness and proper performance of their services, as well as for compliance with their professional, trade and supervisory obligations.

Scope and Amendments

  1. These Terms and Conditions ("T&C") of GRANDEA GmbH "All-in Business App", registered in the Companies Register of the Vienna Commercial Court under FN 669425z ("GRANDEA GmbH"), govern the use of the digital platform GRANDEA GmbH "All-in Business App", the associated website, and the information, platform and contact functions offered by GRANDEA GmbH.
  2. Individual agreements between GRANDEA GmbH "All-in Business App" and the user take precedence over these T&C.
  3. The general information provided by GRANDEA GmbH "All-in Business App" does not constitute individual financial, investment, credit, insurance, tax, legal, real estate or business advice.
  4. Professional services of independently operating providers or cooperation partners are not the subject of the contract between GRANDEA GmbH "All-in Business App" and the user. Unless expressly stated otherwise in the specific offer, a separate contract is concluded directly between the user and the respective provider. That contract is governed by the respective provider's terms and conditions.
  5. Vis-à-vis entrepreneurs, conflicting or supplementary terms and conditions apply only if GRANDEA GmbH "All-in Business App" has expressly agreed to their application. Mandatory statutory rights of consumers remain unaffected.
  6. GRANDEA GmbH "All-in Business App" may amend these T&C for future contracts and uses. The version in effect at the relevant time will be made available before conclusion of a contract or before further use of the platform.
  7. Amendments affecting an existing contractual relationship will be communicated to the user in good time before their intended entry into force, in text form, in particular by email or via a notification within the app.
  8. Amendments that materially affect existing rights or obligations become effective only with the user's express consent. Mere silence or continued use of the platform is not deemed consent for consumers.
  9. Amendments made exclusively for the benefit of users, of a purely editorial nature, or required due to mandatory statutory or regulatory requirements, may take effect on the announced date, provided this does not cause any material disadvantage.

Basis of the Information and Contact Services

  1. GRANDEA GmbH "All-in Business App" provides publicly accessible information via the platform and enables users to make contact with independently operating professionals and cooperation partners. GRANDEA GmbH "All-in Business App" does not itself provide individual financial, investment, credit, insurance, tax, legal, real estate or business advice.
  2. GRANDEA GmbH "All-in Business App" does not collect information on knowledge, experience, financial circumstances or investment objectives for the purpose of a personal product recommendation or suitability assessment. Professional advice, review or recommendation is provided exclusively by the respective commissioned and appropriately authorised provider, on its own responsibility.
  3. Personal data is processed only to the extent necessary and in accordance with the Privacy Policy. Contact details are passed on to a provider only at the data subject's request or with their express consent. Legally required identity, due-diligence and anti-money-laundering checks must be carried out independently by the respective responsible provider.

Obligations of GRANDEA GmbH "All-in Business App" and the Cooperation Partners

  1. GRANDEA GmbH "All-in Business App" provides users with a digital platform containing publicly accessible information and contact options with independently operating professionals and cooperation partners. GRANDEA owes no individual advice, no mediation of specific products or services, no comprehensive market survey, no review of all providers, and no recommendation of a particular provider. The cooperation partners available on the platform may be changed or supplemented at any time.
  2. The information obligations of GRANDEA GmbH "All-in Business App" are governed by the applicable statutory provisions. The information, disclosure, advisory and documentation obligations to be fulfilled by the cooperation partners lie exclusively within their own responsibility.
  3. GRANDEA GmbH "All-in Business App" does not provide financial, investment, credit, insurance, tax, legal, real estate or business advice, and does not broker financial instruments, loans, insurance or other products subject to licensing or authorisation requirements. In particular, GRANDEA GmbH "All-in Business App" does not provide asset management, does not hold custody of assets, and does not carry out ongoing monitoring of products, contracts, prices, assets or economic developments.

After contact with a cooperation partner has been established, GRANDEA GmbH "All-in Business App" is, absent a separate express agreement, not obliged to monitor that partner's activity or the development of the products and services it offers, nor to inform users of losses in value, price changes, economic risks or other circumstances arising subsequently. Individual agreements require the express consent of the contracting parties involved.

General Obligations of Users

  • Users have, in particular, the following duties of cooperation towards GRANDEA GmbH "All-in Business App":
  • Complete, current and truthful information must be provided when registering for and using the platform.
  • Changes to the name, company name, address, email address or other stored contact details must be reported to GRANDEA GmbH "All-in Business App" without delay, via the function provided within the app or in text form. Any disadvantage arising from a culpable failure to update such details shall, to the extent permitted by law, be borne by the user.
  • Access credentials must be kept confidential and protected from access by unauthorised third parties. Any suspected or established misuse must be reported to GRANDEA GmbH "All-in Business App" without delay.
  • Requests and communications must be formulated completely, clearly and comprehensibly. Amendments, additions, confirmations or repetitions must be expressly identified as such.
  • Professional instructions, directions, deadlines or other legally relevant declarations addressed to independently operating professionals or cooperation partners must be directed to the respective provider directly. Sending a message to GRANDEA GmbH "All-in Business App" does not constitute receipt by the respective provider.
  • Particularly urgent or time-critical requests may only be submitted via the platform if the respective provider has expressly confirmed their timely receipt.
  • The platform may only be used lawfully and in accordance with these T&C. In particular, false statements, abusive contact attempts, and the transmission of unlawful, misleading or harmful content are not permitted.

In the event of a culpable breach of these obligations, the user shall be liable under the statutory provisions for any resulting damage. Consumers' statutory rights remain unaffected.

Complaints and Grievances

  1. Complaints and grievances regarding GRANDEA GmbH "All-in Business App" may be submitted via the contact form provided in the app, by email to office@businesscluballin.com, or in writing to Erzherzog-Karl-Straße 25/1, AT-1220 Vienna, Austria.

The complaint should include, in particular, the following information:

  • the complainant's name and current contact details;
  • a description of the affected function, information or service;
  • the date and, if possible, a precise account of the facts;
  • where applicable, the name of the cooperation partner concerned;
  • any available documents or other evidence;
  • the desired form of resolution.

Receipt of the complaint will generally be confirmed within five business days. GRANDEA GmbH "All-in Business App" reviews the complaint carefully and endeavours to provide a final response within 30 calendar days. If processing cannot be completed within this period, the complainant will be informed of the reason for the delay and the expected date of completion.

If the complaint relates to a service provided by an independently operating professional or cooperation partner, it must be addressed directly to that provider. GRANDEA GmbH "All-in Business App" may, with the complainant's consent, forward the complaint to the provider concerned. This does not affect the provider's own responsibility for handling professional complaints.

GRANDEA GmbH "All-in Business App"'s final decision will be communicated in text form. Statutory rights, in particular the right to approach the competent authorities, consumer arbitration bodies or courts, remain unaffected.

Complaints are handled confidentially, in compliance with data protection law, and exclusively by the persons entrusted with their processing. Personal data processed in connection with a complaint is stored only for as long as necessary to process the complaint and to fulfil statutory retention obligations.

Applicable Law and Jurisdiction

  1. Austrian law applies to all legal relationships between users and GRANDEA GmbH "All-in Business App", excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods.

For consumers, this choice of law applies only to the extent that it does not deprive them of the protection afforded by mandatory provisions of the law of the state in which they have their habitual residence.

For all disputes between GRANDEA GmbH "All-in Business App" and entrepreneurs, the exclusive jurisdiction of the competent court at the registered seat of GRANDEA GmbH "All-in Business App" is agreed.

For consumers, the statutory places of jurisdiction apply. This jurisdiction agreement does not restrict consumers' mandatory statutory rights.

The terms "consumer" and "entrepreneur" are to be understood within the meaning of the respective applicable statutory provisions, in particular the Austrian Consumer Protection Act.

Equal Treatment Clause

  1. All personal designations in these T&C apply equally to all genders. The shortened linguistic form serves solely to improve readability and contains no value judgement.

Information on Costs and Remuneration

  1. Using GRANDEA GmbH "All-in Business App" only incurs those costs that have been clearly and comprehensibly disclosed to the user and expressly confirmed by them before placing a chargeable order. Insofar as individual functions are offered free of charge, no payment obligations arise from them.
  2. Fees for services provided by independently operating professionals or cooperation partners are not included in the fee for using the GRANDEA GmbH "All-in Business App" platform, unless expressly stated otherwise. The type, scope and amount of such fees are agreed directly between the user and the respective provider and are invoiced by that provider on its own responsibility.
  3. GRANDEA may receive remuneration from cooperation partners for providing the platform, presenting providers, or establishing contacts. Where legally required, the type and basis of such remuneration will be disclosed before the relevant service is used. Such remuneration does not create any professional responsibility of GRANDEA GmbH "All-in Business App" for the respective provider's services.

Payment Processing and Protection of Assets

  1. GRANDEA GmbH "All-in Business App" does not accept client funds, financial instruments or other assets for investment, management, custody or forwarding to financial service providers. Payments to GRANDEA may only be made for its own, expressly designated services, via the payment methods indicated on the platform or on an invoice.
  2. Payments for services provided by an independently operating professional or cooperation partner must be made directly to the respective provider or via a payment service expressly designated for that purpose. Payment to other persons has no debt-discharging effect unless they have demonstrably been authorised to receive the payment.
  3. Before making a payment, the payee, amount, bank details and payment reference must be carefully checked. Forms, declarations or instructions must not be confirmed or signed incomplete or blank. Electronic declarations may be submitted via the functions provided for this purpose on the platform.
  4. After placing a chargeable order or contractual declaration via GRANDEA GmbH "All-in Business App", the user is provided with an electronic confirmation on a durable medium. Sole responsibility for contractual documents and confirmations relating to services of independently operating professionals lies with the respective provider.

Information and Platform Principles of GRANDEA GmbH "All-in Business App"

Version September 2026

1. General Principles

1.1 Introduction

These Information and Platform Principles of GRANDEA GmbH "All-in Business App" govern the provision of publicly accessible information as well as the technical means of making contact with independently operating professionals and cooperation partners.

The Terms and Conditions and the Privacy Policy of GRANDEA GmbH "All-in Business App" apply in addition.

Use of chargeable functions requires express agreement to the contractual terms applicable to them. Without such agreement, the relevant function cannot be used.

1.2 Nature and Scope of the Platform Services

GRANDEA GmbH "All-in Business App" operates a digital information and contact platform. GRANDEA does not accept or forward orders for the purchase, sale, conclusion or amendment of financial instruments, loans, insurance, real estate transactions or other products subject to authorisation requirements.

GRANDEA does not execute client orders, does not manage assets, and does not decide on the selection or execution of financial products. Accordingly, an execution policy within the meaning of the Securities Supervision Act 2018 (WAG 2018) does not apply to the services of GRANDEA GmbH "All-in Business App".

If a user decides to make contact with an independently operating professional, only the statutory obligations and the respective provider's contractual, advisory, intermediary and execution terms apply to that provider's services.

1.3 Client Categorisation

GRANDEA GmbH "All-in Business App" does not classify its users as retail clients, professional clients or eligible counterparties within the meaning of the Securities Supervision Act 2018.

To the extent legally required for use of the platform, only a distinction between consumers and entrepreneurs is made, in accordance with the respective applicable statutory provisions. Regulatory classification within the scope of a professional, financial or intermediary service is the sole responsibility of the respective commissioned and appropriately authorised provider.

GRANDEA GmbH "All-in Business App" does not prepare an investor profile or an intermediation or advisory record. No classification under the Securities Supervision Act 2018 takes place. Required checks, classifications and documentation must be carried out exclusively by the respective commissioned and appropriately authorised professional provider.

2. Special Principles for Contact Requests

2.1 Introduction

GRANDEA GmbH "All-in Business App" enables users to find independently operating professionals and cooperation partners and to make contact with them.

GRANDEA does not accept or forward orders for the acquisition, disposal, conclusion or amendment of financial instruments, loans, insurance, real estate transactions or other products subject to authorisation requirements.

2.2 Processing of Contact Requests

Contact requests submitted via the platform are, upon receipt, processed technically and — provided the user has expressly agreed — forwarded to the selected or competent professional provider.

GRANDEA GmbH "All-in Business App" checks contact requests solely for technical and formal completeness. No substantive, professional or legal review, and no review of the suitability of a product or provider, is carried out.

Incomplete or technically unprocessable requests may be returned to the user for completion. A specific processing or forwarding deadline is owed only if expressly agreed.

Urgent or time-critical matters must be addressed directly to the respective professional provider. Timely processing is deemed confirmed only once the provider concerned has expressly stated so.

2.3 No Acceptance of Investment or Payment Orders

No orders for periodic or one-off investments, securities transactions, financing, insurance or comparable financial products can be placed via GRANDEA GmbH "All-in Business App".

GRANDEA GmbH "All-in Business App" does not accept payments or assets designated for such purposes and does not initiate debits from client accounts. Payments for a professional provider's services must be made exclusively via the payment channels indicated by that provider or via an expressly designated payment service.

2.4a Transmission of Contact Details

Contact details are transmitted to a professional provider only at the data subject's express request or with their consent, and only to the extent necessary for that purpose.

Such transmission creates neither an advisory or intermediary mandate to GRANDEA GmbH "All-in Business App" nor a claim to the conclusion of a contract with the respective provider. The decision on accepting the request, carrying out advice, and concluding a contract lies exclusively with the respective provider, on its own responsibility.

2.4b Technical Transmission of Contact Requests

Contact requests and the contact details required for this purpose are, as a rule, transmitted electronically by GRANDEA GmbH "All-in Business App" via the platform or another suitable durable medium to the selected professional provider.

Once the contact request has reached the respective professional provider, only that provider's contractual terms, data protection provisions and statutory professional duties apply to its further handling. GRANDEA GmbH "All-in Business App" has no influence on the provider's acceptance, processing time, or professional resolution of the request.

2.5 Delays in Data Transmission

GRANDEA GmbH "All-in Business App" endeavours to process and transmit properly submitted contact requests promptly.

GRANDEA GmbH "All-in Business App" is liable only in accordance with the statutory provisions for delays or transmission errors caused by telecommunications networks, internet services, third-party technical systems, force majeure, or other circumstances beyond GRANDEA GmbH "All-in Business App"'s control.

Urgent or time-critical matters must be coordinated directly with the respective professional provider. Mandatory statutory liability claims remain unaffected.

2.6 General Information on Financial and Economic Topics

Content on financial, economic, tax, legal, real estate or business topics provided via GRANDEA GmbH "All-in Business App" serves general, non-binding information purposes only.

It does not take into account users' personal knowledge, experience, financial circumstances, investment objectives or individual needs. In particular, the content does not constitute a personal recommendation, investment advice, credit advice, insurance advice, legal advice or tax advice.

Before making economic, financial or legal decisions, individual review by an appropriately authorised professional provider is required.

2.7 Selection and Presentation of Professional Providers

The professional providers and cooperation partners presented on the platform do not constitute a complete overview of all providers or services available on the market.

GRANDEA GmbH "All-in Business App" is not obliged to conduct a comprehensive or balanced market survey and owes no comparison of all prices, terms, services or providers. The inclusion, ranking or presentation of a provider does not constitute a personal recommendation and is no guarantee of its suitability for a particular user's individual needs.

Paid placements, advertising or other commercial cooperation are labelled as such to the extent legally required. The decision to engage a provider is made by the user on their own responsibility.

Management of Conflicts of Interest at GRANDEA GmbH "All-in Business App"

Version September 2026

1. Introduction

GRANDEA GmbH "All-in Business App" strives to conduct its business relationships transparently, fairly and responsibly. GRANDEA provides publicly accessible information and enables contact with independently operating professional providers and cooperation partners.

GRANDEA does not itself provide individual financial, investment, credit, insurance, tax, legal, real estate or business advice. Nevertheless, conflicts of interest may arise in connection with the selection, presentation and remuneration of cooperation partners.

2. Possible Conflicts of Interest

2.1 Remuneration from Cooperation Partners

GRANDEA GmbH "All-in Business App" may receive remuneration from cooperation partners for presentation on the platform, advertising services, technical platform services, or the establishment of contacts.

The amount or granting of remuneration may give rise to an economic interest on the part of GRANDEA GmbH "All-in Business App" in presenting a particular provider. Such remuneration is not a guarantee of the quality or suitability of the respective provider.

2.2 Selection, Ranking and Presentation of Providers

The providers presented on the platform do not constitute a complete overview of the entire market. Selection and ranking may take into account, in particular, professional criteria, availability, regional competence, technical compatibility, existing cooperation arrangements, and paid placements.

Paid placements, advertising and highlighted presentations are labelled as such to the extent legally required. Presentation of a provider is not deemed a personal recommendation.

2.3 Economic or Personal Relationships

Conflicts of interest may also arise where economic, corporate, family or other personal relationships exist between GRANDEA GmbH "All-in Business App", its management bodies, employees or other involved persons, and a provider.

Such relationships are disclosed where they may be material to the user's decision.

2.4 Own Services and Events

GRANDEA GmbH "All-in Business App" may provide its own digital services, memberships, events or other platform offerings. This may give rise to an economic interest in presenting particular own offerings, or cooperation partners connected with them, especially prominently.

Own offerings and the services of independent third-party providers are clearly distinguished from one another for users.

3. Handling of Conflicts of Interest

Responsibility for identifying and appropriately handling conflicts of interest lies with the management of GRANDEA GmbH "All-in Business App".

GRANDEA GmbH "All-in Business App" takes, in particular, the following measures:

  • transparent labelling of paid placements and advertising;
  • separation between general information and individual professional services;
  • disclosure of material economic or personal relationships;
  • no acceptance or forwarding of orders relating to financial instruments, loans, insurance or other products subject to authorisation requirements;
  • no preparation of personal product or provider recommendations;
  • users' free decision on making contact with, and engaging, a provider;
  • confidential, data-protection-compliant processing of personal data;
  • regular review of the provider and cooperation information presented.

Where a material conflict of interest cannot be adequately avoided by organisational measures, it will be disclosed clearly and comprehensibly to the affected user before they make use of the service concerned.

Professional advice and performance of services is provided exclusively by the respective commissioned and appropriately authorised provider, on its own responsibility and at its own expense.