These terms govern the use of aoraes.de, its educational tools, content and forms.
Last updated: 24 September 2026The provider is Carlos Armando Carreño Martínez, Büro für Deutsche Vermögensberatung, Adolfstraße 7, 12167 Berlin. Full professional and registration information appears in the Legal Notice. These terms apply to informational website use; any later advice or intermediation is additionally governed by the applicable specific documents.
Articles, calculations and self-assessments are educational and illustrative. They do not replace personal financial, tax, legal or contractual assessment. Results depend on your inputs and illustrative assumptions and are not an offer, performance promise or individual recommendation.
Submitting a form or having an initial conversation does not automatically create a contract or obligation to purchase. Before intermediation, the scope, applicable remuneration and required legal documentation are explained.
You must provide accurate information, protect your credentials and use the website lawfully. Attempts to bypass access controls, automate abusive submissions, disrupt the service or exploit content beyond statutory permissions are prohibited.
We aim to keep the website available and accurate but cannot guarantee uninterrupted operation or that external information always remains current. Liability for intent, gross negligence, injury to life, body or health and other mandatory liabilities is not limited. German statutory rules otherwise apply.
AORAES content and visual identity are protected. Quotations and legally permitted uses remain allowed with appropriate attribution. External links are references; their operators are responsible for their content.
German law applies without depriving consumers of mandatory protections in their country of residence. Terms may be updated following functional or legal changes and the current version date will be shown. Invalidity of one provision does not affect the remaining provisions.