Terms of service
Last updated: 11 November 2026
§ 1 Scope and provider
(1) These General Terms and Conditions (terms) apply to all contracts for the use of MEQIRI, meaning the website meqiri.com and the related services such as the morning email. Your contractual partner is SSM Ventures UG (haftungsbeschränkt), Kleestädter Straße 19, 64823 Groß-Umstadt, Germany, registered with the Amtsgericht Darmstadt under HRB 110044, represented by its managing director Sven Brostmeyer ("we"). You can reach us by email at kontakt@meqiri.com. (2) These terms apply to consumers and businesses. A consumer is anyone who concludes a contract predominantly for private purposes (Section 13 of the German Civil Code, BGB). Where a rule applies only to consumers, this is stated. (3) Other terms, such as a company's purchasing conditions, apply only if we expressly agree to them.
§ 2 What MEQIRI offers
(1) MEQIRI rates stocks, ETFs and cryptocurrencies according to fixed, published rules. This includes the MEQIRI Score from 0 to 100, key figures, a fair value based on our model, the crash risk, lists and a screener, a portfolio tracker, a watchlist, price alerts, email notifications and explanations using artificial intelligence (AI). (2) Much of it is free, without an account or with a free account. Further features are available in the paid plan MEQIRI Pro. Which feature belongs to which plan is shown on the pricing page in the version that applied when you ordered, and in the confirmation of your contract by email. (3) We update our ratings every day. Prices of stocks and ETFs are usually closing prices, prices of cryptocurrencies are current prices with a short delay. We do not offer real-time prices.
§ 3 No investment advice
(1) MEQIRI provides general information. The score, fair value, crash risk, early warnings, lists and AI explanations are the results of a model. They are the same for everyone, are not a personal recommendation and are not investment, tax or legal advice. Where they are investment recommendations within the meaning of Article 20 of the Market Abuse Regulation, the mandatory disclosures are on the Transparency page. (2) We do not check whether an investment suits your personal and financial circumstances. This also applies if you enter your portfolio or set your own weighting of the score. You make your own investment decisions. (3) Securities and cryptocurrencies can fluctuate strongly. Losses up to a total loss are possible. Past performance and backtests are no guarantee of future results.
§ 4 Data from third parties
Prices, company figures and other data come from data providers and from public sources such as the US Securities and Exchange Commission (SEC). We check them for plausibility and show missing values as missing. Errors in the raw data nevertheless cannot be ruled out completely. Your rights in the event of defects (§ 15) and our liability (§ 14) remain unaffected.
§ 5 Account
(1) You create an account with your email address or your Google account. There is no password: you sign in with a code sent by email or via Google. You may create an account from the age of 16 and take out a subscription from the age of 18. (2) Your account is personal. Do not share your access and protect your email inbox, because anyone who can read it can sign in to MEQIRI. If you notice any misuse, write to us immediately. (3) You can delete your account at any time in the account settings. If a subscription is still running, cancel it first. It then ends as soon as you delete the account, and anything you have already paid for the time after that is refunded pro rata. We may terminate a free account with four weeks' notice.
§ 6 Ordering a subscription
(1) The plans on the website are not yet a binding offer. You choose MEQIRI Pro and the billing period, monthly or yearly, and are forwarded to our payment provider Stripe. There you see the price and billing again and can check and correct your details before submitting. By clicking the order button you make a binding offer. (2) The contract is concluded when the payment is confirmed and we activate MEQIRI Pro for your account. This usually happens immediately. You receive a confirmation with the details of your contract by email. (3) You can access, save and print these terms on this page at any time. We do not store the text of your contract for you to retrieve. You receive all details of your order, including the terms and the withdrawal information, by email. The contract is concluded in the language of the site (German, English, French, Spanish, Italian); in case of discrepancies, the German version prevails (§ 17(3)). (4) With a free account you can try MEQIRI Pro once for 14 days free of charge. You do not need any payment details, and no subscription is created. After 14 days the free plan applies again automatically, without you having to do anything. The trial is available only once per person. If you order MEQIRI Pro during the trial, billing starts only when the trial ends.
§ 7 Prices and payment
(1) The prices shown when you order apply. As a small business under Section 19 of the German VAT Act (UStG), we do not charge VAT. The prices shown are final prices. (2) You pay in advance for the chosen billing period, i.e. for one month or one year, using one of the payment methods offered by Stripe. Each further period is due at its start and is charged to the chosen payment method. (3) If a payment fails, Stripe tries again. If it is not made, we may block MEQIRI Pro until the payment is received and terminate the subscription for good cause. (4) Launch price: A launch price applies to the first 200 subscriptions taken out by 31 March 2027. It is 40% below the regular price, for the monthly and the yearly subscription alike, and applies for the entire term of the subscription as long as it runs without interruption. A cancellation that did not come from you does not count as an interruption. (5) Discounts, for example via a partner's link, apply only as stated when you order. Several discounts cannot be combined. (6) Price changes apply only to new subscriptions. We change the price of a running subscription only with your express consent.
§ 8 Term and cancellation
(1) Monthly subscription: It runs for one month and renews for one month at a time unless you cancel. You can cancel at any time with effect from the end of the current month. (2) Yearly subscription: The first term is one year. If you cancel during this year, the subscription ends at the end of the first year. If you do not cancel, it then continues indefinitely at the same price, and you can cancel it at any time with one month's notice. Anything you have already paid for the time after the end of the contract is refunded pro rata. (3) You can cancel via "Cancel your contract here" at the bottom of every page, even without signing in, or by email to kontakt@meqiri.com. We confirm your cancellation immediately by email. (4) The right of both parties to terminate without notice for good cause remains unaffected. Good cause exists for us in particular if you use MEQIRI contrary to § 10 despite a warning or do not pay despite a reminder. (5) We may cancel a subscription with three months' notice if we discontinue MEQIRI Pro altogether. A cancellation in order to enforce a higher price is excluded. Anything you have already paid for the time after that is refunded pro rata. (6) When the subscription ends, your account switches to the free plan. Your data is kept. Features that belong only to MEQIRI Pro are then no longer available to you.
§ 9 Changes to the services
(1) MEQIRI keeps developing. We may change, replace or discontinue features if there is a valid reason, such as new technical developments, changes in laws or official requirements, changed conditions of our data providers or security. This does not cause you any additional costs. We may improve the calculation rules of the score; we publish every change. (2) If such a change impairs your access to MEQIRI Pro or its usability more than insignificantly, we inform you by email in good time beforehand. You can then cancel the subscription free of charge within 30 days of the information or of the change, whichever is later. Anything you have already paid for the time after that is refunded pro rata (Section 327r BGB).
§ 10 Use of the content
(1) Texts, scores, charts, lists and the software of MEQIRI are protected. You may use them for your own private purposes and pass on individual pages via links or the "Share" feature. (2) In particular, you may not retrieve content or data automatically (for example with bots or scrapers), copy, publish or resell it on a larger scale, use it for your own data products or for training AI, circumvent technical limits or share your access with others. Much of the data comes from licensed providers whose conditions we have to comply with. (3) If you violate this, we may block your access after a warning and terminate the subscription for good cause, in the case of serious violations also without prior warning.
§ 11 Your data
(1) What you enter, such as your portfolio, transactions, watchlist, price alerts and your own weightings, belongs to you. We use it only to provide MEQIRI to you. Details are set out in the privacy policy. (2) We do not pass your portfolio and watchlist data on to AI services. (3) MEQIRI can sync portfolios at Bitvavo, OKX, BingX and Bitget using an API key that you create at the exchange. You give this key read permission only, no trading or withdrawal rights. MEQIRI rejects keys for which the exchange reports such rights. Where the exchange does not report them (at Bitvavo, the trading and withdrawal rights), you confirm it when connecting. For eToro, you sign in at eToro and allow MEQIRI there to read only. (4) MEQIRI uses the key or access grant only to read holdings and history and never places orders, transfers or withdrawals. (5) The connection depends on the exchanges' interfaces. It may fail, be delayed or return incomplete data, for example because an exchange only provides its history for a limited period or changes its interface. The exchange's records prevail; MEQIRI shows recognisable differences between the holdings at the exchange and the transactions. (6) You can disconnect at any time, and the key is then deleted immediately. Independently of this, you can delete the key at the exchange at any time.
§ 12 Features using AI
(1) Some features use AI, such as searching in full sentences and explaining key figures. For this, the AI receives public data such as scores and key figures and, for the search, your search query, never your portfolio or your watchlist. (2) AI answers can be incomplete or wrong. Check important information before relying on it. AI answers are not investment advice either (§ 3). (3) Questions to the AI are limited per month. We state the limit at each feature once it is enabled. Questions not asked expire at the end of the month. (4) Automated mass queries are not permitted.
§ 13 Availability
We strive to keep MEQIRI available around the clock. Maintenance and disruptions at data providers, in email delivery or on the internet can temporarily restrict use. We schedule maintenance at quiet times where possible. We do not promise a specific availability. Your rights in the event of defects (§ 15) remain unaffected.
§ 14 Liability
(1) We are liable without limitation for intent and gross negligence, for injury to life, body or health, under the German Product Liability Act and to the extent that we have given a guarantee. (2) In the case of slight negligence, we are liable only if we breach an essential contractual obligation. Essential obligations are those whose fulfilment makes the proper performance of the contract possible in the first place and on whose compliance you may regularly rely. In this case, liability is limited to the foreseeable damage typical for this kind of contract. (3) Otherwise, we are not liable for slight negligence. (4) These rules also apply to our employees and agents.
§ 15 Rights in the event of defects
For consumers, the statutory rights in the event of defects in digital products apply (Sections 327 et seq. BGB). Please report defects to kontakt@meqiri.com.
§ 16 Changes to these terms
If we change these terms, the new version applies to new contracts. It applies to existing contracts only if you agree. If you do not agree, the previous version continues to apply.
§ 17 Final provisions
(1) German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, this applies only insofar as it does not deprive you of the protection of mandatory provisions of the country in which you have your habitual residence. (2) If you are a merchant, a legal entity under public law or a special fund under public law, the place of jurisdiction is our registered office in Groß-Umstadt. (3) These terms are available in German, English, French, Spanish and Italian. In case of discrepancies, the German version prevails. (4) We are neither willing nor obliged to take part in dispute resolution proceedings before a consumer arbitration board. (5) If any provision is invalid, the remaining provisions remain valid. The statutory provision takes the place of the invalid provision.
Withdrawal information
Consumers have the following right of withdrawal. We reproduce it in the official wording. Right of withdrawal You have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period will expire after 14 days from the day of the conclusion of the contract. To exercise the right of withdrawal, you must inform us (SSM Ventures UG (haftungsbeschränkt), Kleestädter Straße 19, 64823 Groß-Umstadt, Germany, telephone +49 176 43940069, email kontakt@meqiri.com) of your decision to withdraw from this contract by an unequivocal statement (e.g. a letter sent by post or an email). You may use the attached model withdrawal form, but it is not obligatory. You can also exercise your right of withdrawal online at meqiri.com/en/withdrawal. If you use this online function, we will communicate to you an acknowledgement of receipt on a durable medium (e.g. by email) without delay, with information on the content of the withdrawal statement and the date and time of its receipt. To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired. Effects of withdrawal If you withdraw from this contract, we shall reimburse to you all payments received from you, including the costs of delivery (with the exception of the supplementary costs resulting from your choice of a type of delivery other than the least expensive type of standard delivery offered by us), without undue delay and in any event not later than 14 days from the day on which we are informed about your decision to withdraw from this contract. We will carry out such reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement. If you requested to begin the performance of services during the withdrawal period, you shall pay us an amount which is in proportion to what has been provided until you have communicated to us your withdrawal from this contract, in comparison with the full coverage of the contract. End of withdrawal information
Model withdrawal form
(Complete and return this form only if you wish to withdraw from the contract.) To SSM Ventures UG (haftungsbeschränkt), Kleestädter Straße 19, 64823 Groß-Umstadt, Germany, email kontakt@meqiri.com: I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract of sale of the following goods (*)/for the provision of the following service (*) Ordered on (*)/received on (*) Name of consumer(s) Address of consumer(s) Signature of consumer(s) (only if this form is notified on paper) Date (*) Delete as appropriate.