As at: 3 September 2026 · sTraderZ.com – Matthias Sax GmbH
These Terms and Conditions apply to all contracts between Matthias Sax GmbH, Mühlstraße 18, 90762 Fürth (hereinafter the “Provider”) and the users of the sTraderZ.com platform (web application, mobile app and interfaces). Users may be consumers (§ 13 BGB) or entrepreneurs (§ 14 BGB); provisions that apply to only one of these groups are marked accordingly. Deviating terms and conditions of the user are not recognised.
The Provider operates a digital platform for financial education, trade journaling, and performance analysis in the field of trading financial instruments (in particular stocks, options, futures, forex, CFDs, ETFs, and crypto assets). The content is intended solely for general educational and informational purposes and does not constitute investment advice within the meaning of the German Securities Trading Act (WpHG). No individual investment recommendations are given.
Depending on the booked plan, the scope of services includes, among other things, a trading journal, performance and portfolio analyses, market data (end-of-day prices, with optional real-time data via a broker connection ("Bridge") in the Pro plan), backtesting tools, a tax report, and learning/academy content. The specifically available scope of services depends on the respective booked plan (Free, Basic, Premium, Pro) and the service description set out there.
The tax report is a purely technical, automated calculation aid based exclusively on the data imported by the user. It serves for preparation and documentation purposes and does not constitute tax advice within the meaning of the German Tax Advisory Act (StBerG) (see § 3 for details).
Automated functions such as the signal engine and the coaching engine generate general, rule-based information (e.g., on price levels, possible entry and exit timing, or the management of open positions) automatically based on the imported data. They do not take into account the user's personal circumstances, investment objectives, or risk tolerance and do not constitute investment advice or an investment recommendation (see § 3 for details).
The Provider provides the updates required to maintain the conformity of the platform during the contract term, including security updates (§ 327f BGB). As the platform is provided as a centrally hosted service, updates are installed automatically; no cooperation from the user is required.
Trading in shares, options and other financial instruments involves considerable risks and may lead to the total loss of the capital invested. The platform content serves exclusively for general information and education; it does not constitute investment, legal or tax advice and does not replace individual advice from licensed professional advisers. The user takes investment decisions on their own responsibility and on the basis of their own assessment.
Liability: The Provider is liable without limitation for intent and gross negligence, for damage arising from injury to life, body or health, in the event of fraudulent concealment of a defect, where a guarantee has been assumed and under the German Product Liability Act. In the event of a slightly negligent breach of a material contractual obligation, that is, an obligation whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance the user may regularly rely, liability is limited in amount to the damage that is foreseeable at the time the contract is concluded and typical for this type of contract. In all other respects, liability for slight negligence is excluded.
Tax report: The tax report generated by the platform is based on the data imported by the user and on general tax assumptions stored at the time of generation. The Provider accepts no liability for the accuracy, completeness, or timeliness of the tax calculations and does not owe any tax result. The report does not replace review by a tax advisor and does not release the user from their tax declaration and cooperation obligations. Responsibility for the tax return and the completeness of the underlying data remains with the user.
Automated notices: Notices produced by automated functions (in particular the signal and coaching engine) are generated without individual human review and are of a general nature. They do not constitute investment advice, an individual investment recommendation or an invitation to buy or sell financial instruments. The user takes investment decisions on their own responsibility; the Provider’s liability is governed by the preceding paragraphs.
All prices stated on the platform are total prices and include statutory value added tax. Payment is due upon conclusion of the contract or at the beginning of the respective billing period and is collected via the payment service provider Stripe. In the event of default in payment, the Provider is entitled, after an unsuccessful reminder, to block access to the paid functions; access to the user’s own data and the export of that data remain possible. The payment methods currently available are displayed during the ordering process.
The billing and contract currency is the euro (EUR). Amounts shown in other currencies are for guidance only; the price stated in euros is decisive. Any conversion or foreign-transaction fees charged by the user's payment method or bank are borne by the user. For business customers established outside Germany, VAT may be subject to the reverse-charge procedure.
Subscriptions are available as a monthly or an annual subscription. After expiry of the respective initial term they are extended for an indefinite period unless they are terminated in due time.
Cancellation can be done at any time via account settings at sTraderZ.com or by email to margincall@straderz.com Access remains active until the end of the already paid period.
Consumers may also declare the cancellation at any time via the cancellation button "Cancel contracts here" on sTraderZ.com (§ 312k BGB). Receipt of the cancellation notice is confirmed immediately on the website and by email. Cancel contracts here
Free plan: The Free plan is provided permanently free of charge and can be terminated at any time without notice. The consumer-protection provisions of §§ 327 et seq. BGB apply to digital products supplied free of charge. There is no entitlement to the permanent availability of a particular free scope of functions.
Free trial: Where a free trial period is offered, it ends automatically upon expiry of the stated period (currently 30 days) without the need for cancellation and without requiring a payment method to be stored. The trial does not automatically convert into a paid subscription; the Free plan is available afterwards.
Introductory and promotional prices: Introductory and promotional prices apply only for the period specified in each case (e.g., the first six months or the first contract year). After this period expires, the regular list price of the selected plan applies automatically. The regular follow-on price and the time of the changeover are clearly displayed before the order is completed.
Money-back guarantee: For annual subscriptions the Provider grants all users (consumers and entrepreneurs) a voluntary money-back guarantee: in the event of cancellation within 14 days of conclusion of the contract, the full annual price is refunded without any compensation for value being charged for the period used up to that point. In addition, consumers have the statutory right of withdrawal under § 6; the guarantee extends this right and does not restrict it. If a consumer makes use of both the guarantee and the right of withdrawal within the 14 days, whichever provision is more favourable to them applies.
For contracts on paid plans, consumers have a statutory right of withdrawal of 14 days from conclusion of the contract (§§ 312g, 355 BGB). The platform is a service that is supplied continuously over the term of the contract. If the consumer wishes performance to begin before the withdrawal period has expired, the Provider expressly asks for this during the ordering process; the right of withdrawal does not lapse as a result. If the consumer withdraws after having requested such an early start, they owe compensation for the value of the service supplied up to the withdrawal, corresponding to the proportion which the term already used bears to the total price of the booked period (§ 357a Abs. 2 BGB); the remaining amount is refunded. If the withdrawal falls within the 14-day money-back guarantee for annual subscriptions (§ 5), no compensation for value is payable. The complete withdrawal instructions together with the model withdrawal form are available at Cancellation Policy .
All platform content provided by the Provider (in particular software, user interface, manual, courses, videos, analyses and database structures) is protected by copyright. For the term of the contract the user receives a simple, non-transferable right, which may not be sublicensed, to use the platform and its content for their own purposes; in the case of entrepreneurs this includes use within their own business operations. The following are not permitted: passing on access data to third parties, the joint use of one account by several persons, reselling or renting out access, reproducing or further distributing content outside the platform, and the automated reading (scraping) of the platform. Trading data imported by the user and content created by the user remain the user’s property (§ 8).
Own content: In the community the user may post contributions, comments, journal entries, signals and trade publications (“user content”). The rights to their user content and to their imported trading data remain with the user. The user grants the Provider the simple, geographically unrestricted, royalty-free right to store, reproduce, make publicly available, machine-translate into other languages and technically adapt (for example formatting, preview images) the user content for the purpose of operating the platform. This right ends when the user deletes the content, unless statutory retention obligations preclude this.
Prohibited content: Content that infringes applicable law or the rights of third parties is not permitted, in particular: unlawful, insulting, discriminatory or harassing content; infringements of copyright or trade mark rights; spam, advertising and pyramid schemes; the dissemination of false or misleading information about financial instruments, issuers or price movements, as well as any form of market manipulation or of touting financial instruments for one’s own benefit without disclosure (Art. 12 and 15 of Regulation (EU) No 596/2014, MAR); individual investment recommendations without the authorisation required for that purpose; the publication of personal data of third parties without their consent; malware and the misuse of the platform for automated purposes.
Moderation: The Provider does not review user content in advance and is not obliged to do so (Art. 8 DSA). Where the Provider obtains knowledge of content that is unlawful or in breach of these Terms and Conditions, it may hide or remove the content, restrict its visibility, temporarily suspend the user’s community functions or, in serious or repeated cases, block or terminate the account. In doing so the Provider acts diligently, objectively and proportionately and takes into account the legitimate interests of all parties involved, including freedom of expression (Art. 14(4) DSA). Content that is reported independently by several users may be hidden automatically pending examination.
Reporting content (Art. 16 DSA): Any person may report content they consider to be unlawful via the reporting function on each contribution (logged-in users) or by e-mail to the contact point named in the legal notice. A notice should state the content concerned (link), the reasons for that assessment and the name and e-mail address of the reporting person, unless the content concerns the sexual abuse of children. The Provider confirms receipt of the notice, examines it promptly, diligently and without arbitrariness and informs the reporting person of its decision.
Statement of reasons and appeal (Art. 17 and 20 DSA): If user content is removed or restricted, or if community functions or a user’s account are restricted, the Provider informs the user concerned with a clear statement of reasons setting out the facts, the legal or contractual basis and the available means of redress. The user may object to such a decision free of charge within six months by e-mail to the contact point named in the legal notice; the Provider examines the appeal with the involvement of a natural person and communicates the outcome without undue delay. In addition, the user is free to turn to an out-of-court dispute settlement body certified under Art. 21 DSA and to take legal action. Persons who repeatedly misuse the reporting function for manifestly unfounded notices may, after a prior warning, be excluded from the reporting function (Art. 23 DSA).
Machine translation: User content may be displayed to other users in machine-translated form at their request. Translations are generated automatically and may deviate from the original; the original text is always authoritative. The Provider gives no warranty as to the substantive accuracy of machine translations.
The processing of personal data is carried out in accordance with the GDPR. Details can be found in the Privacy Policy .
The Provider may amend these Terms and Conditions with effect for the future insofar as this is necessary in order to adapt them to a changed legal situation or case law, or insofar as the amendments are of an editorial or technical nature and entail no disadvantage for the user. Such amendments will be announced in text form no later than six weeks before they take effect; the announcement will separately draw attention to the right to object and to the significance of remaining silent. If the user does not object within that period, the amended Terms and Conditions are deemed to have been accepted; if the user objects, either party may terminate the contract with effect from the date on which the amendment takes effect. Changes to prices, to the scope of services or to other material contractual content are made only with the express consent of the user.
The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods. If the user is a consumer whose habitual residence is in another state, the mandatory consumer protection provisions of that state remain unaffected by this choice of law (Art. 6(2) Rome I Regulation). The place of jurisdiction for disputes with entrepreneurs is Fürth.
We are neither obligated nor willing to participate in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG).
The user may export their data stored on the platform (in particular trades, journal entries, and evaluations) at any time in a structured, commonly used, and machine-readable format (e.g. CSV or Excel). When switching to another provider or terminating the contract, the Provider supports the user in accordance with Regulation (EU) 2023/2854 (Data Act); the transition period is a maximum of 30 calendar days. No fees are charged for switching or data export. After a switch has been successfully completed and any statutory retention periods have expired, the user's data will be deleted.
If any individual provision is invalid, the remaining provisions are unaffected. The applicable statutory provision shall apply in its place.