Terms of Service

1. Operator Identification

Provider identification pursuant to § 5 of the German Digital Services Act (Digitale-Dienste-Gesetz – DDG):

Arsalan Amiri
Burgstraße 67
60389 Frankfurt am Main, Germany

Email: info@krentium.com
Telephone: +49 176 85971034

Krentium is operated as a sole proprietorship (Einzelunternehmen). The operator is exempt from value added tax pursuant to § 19(1) of the German Value Added Tax Act (Umsatzsteuergesetz – UStG). No VAT identification number has been issued.

2. Scope and Acceptance

These Terms of Service (“Terms”) govern the use of the Krentium platform accessible at https://krentium.com (the “Service”). By creating an account or using the Service, the user agrees to be bound by these Terms, the Privacy Policy and the Risk Disclaimer, each as amended from time to time.

If the user does not agree to these Terms, the user must not access or use the Service.

These Terms constitute general terms and conditions (Allgemeine Geschäftsbedingungen) within the meaning of §§ 305–310 of the German Civil Code (Bürgerliches Gesetzbuch – BGB).

3. Description of Service

Krentium is a stock market structure analysis platform. It applies quantified Wyckoff methodology to publicly available market data in order to detect patterns that may indicate institutional buying or selling activity. The Service provides structural analysis, pattern detection, confidence scoring and multi-timeframe context across equity markets.

The Service processes market data provided by third-party data vendors. Krentium does not execute trades, hold funds, manage portfolios or provide order routing of any kind.

4. No Individualised Investment Advice (Anlageberatung)

The Service is provided for educational and informational purposes only. Krentium does not constitute individualised investment advice (Anlageberatung) or personal recommendations within the meaning of Article 4(1)(4) of Directive 2014/65/EU (MiFID II). Krentium does publish investment-strategy recommendations within the meaning of § 86 Abs. 1 WpHG (Anlagestrategieempfehlungen); see /disclosures.

The operator is not a licensed investment firm, is not supervised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – BaFin) and does not hold any authorisation under the German Securities Institutions Act (Wertpapierinstitutsgesetz – WpIG) or the German Banking Act (Kreditwesengesetz – KWG).

Past performance metrics, including backtested win rates, are based on historical data and are not indicative of future results. The user is solely responsible for any investment decisions and should consult a qualified and licensed financial adviser before acting on any information provided by the Service.

For full details, see the Krentium Risk Disclaimer at https://krentium.com/risk-disclaimer.

5. Eligibility

The Service is available to natural persons who are at least 18 years of age. Where local law permits access to financial information services at a lower age, the minimum age is 16 years in accordance with Article 8(1) of Regulation (EU) 2016/679 (GDPR) as implemented by national law.

By creating an account, the user represents and warrants that they meet the applicable age requirement and have full legal capacity to enter into these Terms.

6. User Accounts and Security

To access the Service, the user must create an account using a valid email address. The user agrees to:

(a) provide accurate, current and complete registration information;

(b) maintain the confidentiality of their account credentials;

(c) notify the operator without undue delay of any unauthorised access to or use of their account; and

(d) accept responsibility for all activities that occur under their account.

The operator reserves the right to suspend or disable accounts that are in breach of these Terms or that show signs of unauthorised use.

7. Subscription, Payment and Billing

Krentium offers both free and paid subscription tiers. Paid subscriptions are billed on a recurring monthly basis. All payment processing is handled by Stripe Payments Europe, Ltd. (“Stripe”). The operator does not store credit card numbers or banking details.

Prices are displayed in euros (€) and are inclusive of all applicable taxes. No VAT is charged pursuant to § 19(1) UStG (Kleinunternehmerregelung).

Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. The user may cancel their subscription at any time through the account settings or via the Stripe customer portal. Cancellation takes effect at the end of the current billing period; no pro-rata refunds are issued for partial periods unless required by mandatory law.

In accordance with § 312k BGB, a clearly labelled cancellation button (“Vertrag hier kündigen” / “Cancel contract here”) is accessible from the Service’s website without requiring a login, leading directly to a confirmation page with a “Jetzt kündigen” / “Cancel now” button.

8. Right of Withdrawal

For consumers within the European Union, the following applies:

The user has the right to withdraw from the contract within 14 days of its conclusion without giving any reason, in accordance with Article 9 of Directive 2011/83/EU and §§ 355, 356 BGB.

To exercise the right of withdrawal, the user must inform the operator by means of a clear statement (for example, by email to info@krentium.com) of their decision to withdraw. The user may use the model withdrawal form provided below, but this is not mandatory.

To meet the withdrawal deadline, it is sufficient for the user to send the communication concerning the exercise of the right of withdrawal before the withdrawal period expires.

Effects of withdrawal: If the user withdraws from the contract, the operator shall reimburse all payments received from the user without undue delay and no later than 14 days from the date on which the operator received notice of the withdrawal. The reimbursement shall be made using the same means of payment used for the initial transaction, unless expressly agreed otherwise.

Waiver for immediate access to digital content: If the user expressly consents to the performance of the Service beginning immediately upon subscription and acknowledges that the right of withdrawal is thereby lost, the right of withdrawal shall expire upon commencement of the Service, in accordance with § 356(5) BGB and Article 16(m) of Directive 2011/83/EU.

9. Acceptable Use

The user agrees not to:

(a) use the Service for any purpose that is unlawful or prohibited by these Terms;

(b) attempt to gain unauthorised access to any part of the Service, its servers or databases;

(c) interfere with, disrupt or place an unreasonable load on the Service or its infrastructure;

(d) use automated scripts, bots, scrapers or similar tools to extract data from the Service without prior written consent;

(e) share, resell or sublicense account credentials; or

(f) reverse-engineer, decompile or otherwise attempt to derive the source code of the Service or its analytical engine.

The operator reserves the right to suspend or terminate access for violations of this section.

10. Intellectual Property

All content, features, functionality, software, algorithms, analytical methodologies (including the proprietary Wyckoff structural detection engine), backtested performance metrics, user interface designs and trademarks associated with the Service are the exclusive property of the operator and are protected by applicable copyright, trademark and intellectual property laws.

The user is granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for personal, non-commercial purposes in accordance with these Terms. This licence does not include the right to copy, modify, distribute, sell or create derivative works based on the Service or any of its components.

11. Third-Party Services

The Service integrates with and relies upon the following third-party services:

(a) Twelve Data – market data provider;

(b) Supabase – backend infrastructure and authentication;

(c) Stripe – payment processing; and

(d) Vercel – frontend hosting.

The operator does not control the availability, accuracy or terms of these third-party services. The user’s use of such services is subject to the respective provider’s terms and conditions. The operator shall not be liable for disruptions, inaccuracies or data loss caused by third-party services.

12. Availability and Maintenance

The operator endeavours to maintain the Service available at all times but does not guarantee uninterrupted or error-free operation. The Service may be temporarily unavailable due to scheduled maintenance, updates, technical issues or circumstances beyond the operator’s control.

Market data is subject to caching intervals and may be delayed. The operator makes no warranty that market data displayed is real-time or complete.

13. Limitation of Liability

The operator’s liability is limited as follows, to the extent permitted by law:

(a) Unlimited liability: The operator is liable without limitation for damages caused by wilful misconduct (Vorsatz) or gross negligence (grobe Fahrlässigkeit), for injury to life, body or health, and for liability under the German Product Liability Act (Produkthaftungsgesetz).

(b) Essential contractual obligations (Kardinalpflichten): In the event of a slightly negligent breach of an obligation that is essential to the performance of the contract (wesentliche Vertragspflicht), the operator’s liability is limited to the foreseeable, contract-typical damage. For paid subscriptions, this is limited to the total fees paid by the user in the 12 months preceding the event giving rise to the claim.

(c) Exclusion: The operator shall not be liable for slightly negligent breaches of non-essential contractual obligations.

(d) Investment losses: The operator shall not be liable for any investment losses, missed trading opportunities or financial decisions made on the basis of information provided by the Service. The user acknowledges that all investment decisions are made at the user’s own risk.

The above limitations apply equally to the operator’s vicarious agents and subcontractors (§ 278 BGB).

14. Indemnification

The user agrees to indemnify and hold harmless the operator from and against any claims, damages, losses, costs and expenses (including reasonable legal fees) arising from:

(a) the user’s breach of these Terms;

(b) the user’s violation of applicable law; or

(c) the user’s infringement of any third-party rights.

This indemnification obligation does not apply to the extent that the user is not responsible for the relevant breach or violation.

15. Termination

By the user: The user may terminate their account at any time through the account settings or by sending an email to info@krentium.com. For paid subscriptions, the cancellation button required under § 312k BGB is also available.

By the operator: The operator may suspend or terminate the user’s account for good cause (aus wichtigem Grund), including material breach of these Terms, suspected fraudulent activity, or abuse of the Service. The operator will notify the user by email where practicable.

Upon termination, the user’s right to access the Service ceases immediately. Data retention and deletion following termination are governed by the Privacy Policy.

16. Modifications to Terms

The operator reserves the right to modify these Terms at any time. The user will be notified of material changes by email at least 30 days before the amended Terms take effect. The notification will include a summary of the changes and a link to the updated Terms.

If the user does not object to the amended Terms within 30 days of notification, the amended Terms shall be deemed accepted. The notification email will specifically draw the user’s attention to this consequence.

If the user objects, the operator may terminate the contract at the end of the then-current billing period.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG).

For consumers habitually resident in the European Union, this choice of law does not deprive the consumer of the protection afforded by mandatory provisions of the law of the consumer’s country of habitual residence, in accordance with Article 6(2) of Regulation (EC) No 593/2008 (Rome I Regulation).

For consumers habitually resident in an EU Member State, the consumer may bring proceedings either before the courts of the Member State in which the consumer is domiciled or before the courts of the Member State in which the operator is domiciled, in accordance with Article 18(1) of Regulation (EU) No 1215/2012 (Brussels I bis Regulation). Proceedings against a consumer may only be brought in the courts of the Member State in which the consumer is domiciled (Article 18(2)). For all other users, the exclusive place of jurisdiction is Frankfurt am Main, Germany.

18. Dispute Resolution

The operator encourages the amicable resolution of disputes. In the event of a disagreement, the user is invited to contact the operator at info@krentium.com before initiating formal proceedings.

Consumer dispute resolution (VSBG): The operator is exempt from the general information obligation under § 36(1) of the Consumer Dispute Resolution Act (Verbraucherstreitbeilegungsgesetz – VSBG) pursuant to § 36(3) VSBG (fewer than 11 employees as of 31 December of the preceding year). The operator is not obligated and not willing to participate in dispute resolution proceedings before a consumer arbitration body (Verbraucherschlichtungsstelle).

EU Online Dispute Resolution Platform: The former EU Online Dispute Resolution Platform (ec.europa.eu/consumers/odr) was discontinued on 20 July 2025 pursuant to Regulation (EU) 2024/3228. A list of consumer dispute resolution bodies in EU Member States is available at: https://consumer-redress.ec.europa.eu/dispute-resolution-bodies

Nothing in these Terms restricts the user’s right to bring proceedings before the competent courts.

19. Severability

If any provision of these Terms is held to be invalid, void or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced by a valid provision that most closely reflects the economic intent of the original provision, in accordance with § 306 BGB.

20. Contact

For questions regarding these Terms, please contact:

Arsalan Amiri
Burgstraße 67
60389 Frankfurt am Main, Germany

Email: info@krentium.com
Telephone: +49 176 85971034