Last updated: 15 January 2026
By accessing and using the vortexbloom website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and vortexbloom AG (company registration number HRB846925), a company incorporated under German law with its registered office at Lindenstraße 61, 20665 Hamburg, Germany. If you do not agree to these terms, you must not use our website or services.
vortexbloom provides auto financing services including new and used vehicle loans, refinancing solutions, and commercial vehicle financing. Our services are regulated under German financial services legislation. We act as a credit broker and lender, facilitating loan agreements between customers and various financial institutions. All loan applications are subject to credit assessment and approval criteria.
To use our services, you must meet the following requirements:
You agree not to use our website or services for any unlawful purpose, to provide false or misleading information, to attempt to circumvent our security measures, or to interfere with the proper functioning of our systems.
All loan applications are subject to our credit assessment procedures and approval criteria. We reserve the right to request additional documentation, verify information provided, and conduct credit checks through authorised credit reference agencies. Loan approval is not guaranteed, and we may decline applications at our discretion. Interest rates, loan terms, and conditions are determined based on individual creditworthiness and risk assessment.
All content on the vortexbloom website, including text, graphics, logos, images, software, and design elements, is the property of vortexbloom AG or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission. The vortexbloom name and logo are trademarks of vortexbloom AG and may not be used without authorisation.
You may use our website for informational purposes and to apply for our services in accordance with these terms. You may not use automated systems, robots, or data mining techniques to extract content from our website. Commercial use of our website content is prohibited without written permission. We reserve the right to monitor website usage and take appropriate action against users who violate these terms.
Your privacy is important to us. Our collection, use, and protection of personal data is governed by our Privacy Policy, which forms part of these terms. By using our services, you consent to the processing of your personal data in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR).
To the fullest extent permitted by law, vortexbloom AG shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our website or services. Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount of fees paid by you to us in the twelve months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.
Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the availability, accuracy, or reliability of our website or services. We do not guarantee that our website will be uninterrupted, secure, or error-free. You use our website and services at your own risk. We disclaim all warranties to the fullest extent permitted by law.
These Terms of Service are governed by and construed in accordance with the laws of Germany. Any disputes arising from or relating to these terms or your use of our services shall be subject to the exclusive jurisdiction of the German courts, with Hamburg as the place of jurisdiction. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
We may terminate or suspend your access to our website and services at any time, with or without cause, and with or without notice. You may terminate your use of our services at any time by ceasing to use our website and services. Upon termination, all provisions of these terms that by their nature should survive termination shall remain in effect, including intellectual property rights, limitation of liability, and governing law provisions. Existing loan agreements shall continue to be governed by their specific terms and conditions.
We reserve the right to modify these Terms of Service at any time. We will notify users of significant changes by posting the updated terms on our website and updating the "last updated" date. Your continued use of our website and services after such changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically to stay informed of any updates.
vortexbloom AG is regulated under German financial services legislation and operates in compliance with applicable banking and consumer credit regulations. We are registered with the appropriate German regulatory authorities and maintain the necessary licences to provide our services. Our services are subject to German consumer protection laws and regulations.
If you have any questions about these Terms of Service, please contact us at legal@vortexbloom.world or write to us at vortexbloom AG, Legal Department, Lindenstraße 61, 20665 Hamburg, Germany. You may also call us at +49 40 9609127 during business hours.
These Terms of Service, together with our Privacy Policy and any specific loan agreement terms, constitute the entire agreement between you and vortexbloom regarding your use of our website and services. These terms supersede all prior agreements, understandings, and communications, whether written or oral, relating to the subject matter herein.