Terms and Conditions

Last Updated:  |  Effective Date:  |  Website: passiveeuro.com

1. Acceptance of Terms

Welcome to Passive Euro (“the Website”), accessible at https://passiveeuro.com. The Website is owned and operated by Passive Euro, based in Vienna, Austria.

By accessing or using our Website, reading our blog posts, subscribing to our newsletter, leaving comments, or clicking any link on this Website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”), our Privacy Policy, and our Cookie Policy.

If you do not agree with any part of these Terms, you must immediately discontinue your use of the Website.

These Terms apply to all visitors, readers, subscribers, and any other users of the Website. We reserve the right to update these Terms at any time. Continued use of the Website after any changes constitutes your acceptance of the revised Terms.

2. Definitions

For the purposes of these Terms and Conditions:

Term	Meaning
“Website”	passiveeuro.com and all its pages, subdomains, and content
“We / Us / Our”	Passive Euro, the owner and operator of this Website
“You / User / Visitor”	Any person who accesses or uses the Website
“Content”	All text, articles, images, videos, graphics, tools, and other materials published on the Website
“Affiliate Link”	A tracked URL that may generate a commission for us if you take a qualifying action
“Services”	The blog, newsletter, free resources, tools, and any other features offered on the Website
“Third Party”	Any individual, company, or service not directly controlled by Passive Euro
“GDPR”	General Data Protection Regulation (EU) 2016/679
“EEA”	European Economic Area

3. Use of Website

You may use this Website for lawful, personal, and non-commercial purposes only, subject to these Terms. By using the Website, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into these Terms
• You will not use the Website for any unlawful or prohibited purpose
• You will not attempt to disrupt, harm, or exploit the Website or its users
• The information you provide to us (e.g. when subscribing or commenting) is accurate and truthful

3.1 Permitted Uses

• Reading and sharing our articles for personal, educational purposes
• Subscribing to our newsletter
• Leaving respectful, relevant comments on blog posts
• Downloading free resources we make available
• Using our tools and calculators for personal reference

3.2 Account Registration

This Website does not currently require account registration for general browsing. If you subscribe to our newsletter or leave a comment, you provide limited personal data which is handled in accordance with our Privacy Policy.

4. Financial Disclaimer

4.1 No Financial Advice

Passive Euro is a personal finance education blog. The articles, guides, reviews, comparisons, calculators, and all other content published on this Website are intended to help you learn about investing concepts, not to direct your investment decisions. We are not a licensed financial advisor, investment manager, tax consultant, or legal professional.

4.2 No Guarantee of Returns

Any mention of past performance, historical returns, example scenarios, projected returns, or potential earnings on this Website is for illustrative purposes only. Past performance is not a reliable indicator of future results. All investments carry risk, including the risk of losing the entire amount invested.

4.3 Investment Risk

Investing in ETFs, stocks, bonds, and other financial instruments involves risk. The value of investments can go down as well as up. You should only invest money you can afford to lose. Before making any investment, you should carefully consider your financial situation, investment objectives, risk tolerance, and time horizon.

4.4 Seek Professional Advice

We strongly recommend consulting a regulated financial advisor, tax professional, or legal advisor in your country before making any investment or financial decision. Investment regulations, tax rules, and available products vary significantly across European countries. What works in one country may not be suitable or legal in another.

4.5 Accuracy of Information

While we make every effort to ensure the accuracy and timeliness of the information on this Website, financial markets, regulations, broker offerings, tax laws, and other information can change rapidly. We cannot guarantee that all information is current, complete, or accurate at the time you read it. Always verify important information with official sources before acting on it.

4.6 Regulatory Status

Passive Euro is not registered with, authorised by, or regulated by any financial regulatory authority, including but not limited to the Austrian Financial Market Authority (FMA), the German Federal Financial Supervisory Authority (BaFin), the UK Financial Conduct Authority (FCA), or the European Securities and Markets Authority (ESMA).

5. Affiliate Disclosure

5.1 How We Earn Money

Passive Euro participates in various affiliate marketing programmes with European brokers, financial platforms, and related services. When you click an affiliate link and subsequently sign up, subscribe, or make a purchase, we may receive a referral commission from the company concerned. This commission comes at no additional cost to you — you pay the same price whether or not you use our affiliate link.

5.2 Affiliate Partners

Our current affiliate partners include, but are not limited to: DEGIRO, Trade Republic, Scalable Capital, XTB, Flatex, Bitpanda, Lightyear, eToro, Interactive Brokers, Revolut, Wise, YNAB, Hostinger, ConvertKit, and various affiliate networks including Awin, Impact, and Commission Junction. A full and up-to-date list is available in our Privacy Policy.

5.3 Editorial Independence

We only recommend products and services we genuinely believe offer value to our readers. Our reviews, comparisons, and recommendations reflect our honest assessment. The existence of an affiliate relationship does not positively or negatively influence our editorial judgement. We will always disclose material connections and highlight both advantages and disadvantages of any product we review.

5.4 Compliance

All affiliate disclosures comply with the US Federal Trade Commission (FTC) Endorsement Guides, the EU Unfair Commercial Practices Directive, and the Austrian Act Against Unfair Competition (Bundesgesetz gegen den unlauteren Wettbewerb). Affiliate links are disclosed at the top of every article that contains them, and/or via a site-wide disclosure notice.

6. Advertising

This Website displays advertisements served by Google AdSense and potentially other advertising networks. Advertisements are clearly distinguished from our editorial content. We do not endorse the products or services advertised unless we have separately and explicitly stated so.

Advertisers have no influence over our editorial content, opinions, reviews, or recommendations. We do not accept payment to positively review or recommend any product or service unless it is clearly disclosed as a sponsored post.

For details on how advertising cookies work and how to opt out, please see our Privacy Policy.

6.1 Sponsored Content

From time to time, we may publish sponsored posts or partner content. All sponsored content will be clearly labelled as “Sponsored”, “Paid Partnership”, or “In collaboration with [Brand]” at the beginning of the article. Sponsored content reflects the views of the sponsoring brand and may not represent our independent editorial opinion.

7. Intellectual Property & Copyright

7.1 Our Content

All content published on Passive Euro — including but not limited to articles, blog posts, guides, infographics, images, logos, graphics, calculators, tools, and the overall website design — is the exclusive intellectual property of Passive Euro and is protected by copyright law, including the Austrian Copyright Act (Urheberrechtsgesetz) and applicable EU and international copyright laws.

7.2 Permitted Use

You are permitted to:

• Read and access our content for personal, non-commercial use
• Share links to our articles on social media, forums, or other websites
• Quote short excerpts (up to 50 words) from our articles, provided you clearly attribute Passive Euro and include a link back to the original article

7.3 Prohibited Use

Without our prior written permission, you may NOT:

• Copy, reproduce, republish, or redistribute any of our articles or content in full
• Scrape, crawl, or extract our content using automated tools for any purpose
• Use our content for commercial purposes, including on other websites, in publications, or in courses
• Translate, modify, or create derivative works based on our content
• Remove or alter any copyright, trademark, or proprietary notices from our content
• Use our logo, brand name, or visual identity without written permission
• Frame or mirror any portion of the Website on another website

7.4 Trademark

“Passive Euro” is the trading name of this Website. All related logos, brand names, and slogans are our trademarks or trade dress. You may not use them without our prior written consent.

7.5 DMCA & Copyright Infringement

If you believe any content on our Website infringes your copyright, please contact us via our contact page with the following information: a description of the allegedly infringing work, the URL where it appears on our Website, your contact details, and a statement of good faith. We will investigate and respond within 14 business days.

7.6 Licence to User Content

By submitting comments, feedback, or other content to our Website, you grant Passive Euro a non-exclusive, royalty-free, perpetual, worldwide licence to use, reproduce, modify, publish, and display such content in connection with our Website and promotional activities.

8. User Content & Comments

Our Website allows visitors to leave comments on blog posts. By submitting a comment, you agree to the following:

8.1 Comment Guidelines

• Comments must be respectful, relevant, and constructive
• You must not post spam, promotional content, or unsolicited advertising
• You must not post content that is defamatory, offensive, hateful, or discriminatory
• You must not post false financial information or misleading investment advice
• You must not include personal data of third parties without their consent
• You must not post content that infringes any third party’s intellectual property rights
• You must not post malicious links, phishing attempts, or harmful code

8.2 Moderation

We reserve the right to review, moderate, edit, or delete any comment at our sole discretion, without notice or liability to you. Comments that violate our guidelines will be removed. Repeated violations may result in your IP address being blocked from the Website.

8.3 Comment Data

When you leave a comment, your name, email address (not publicly displayed), and comment content are stored in our WordPress database. Your IP address is also logged for spam prevention purposes via Akismet. For full details, see our Privacy Policy.

8.4 Responsibility

You are solely responsible for the content of your comments. Passive Euro does not endorse any views expressed in user comments and is not liable for any loss or damage arising from your reliance on comment content.

9. Newsletter & Email Communications

We offer a free newsletter to subscribers who opt in via our Website. By subscribing, you agree to receive periodic emails from us including new article notifications, investing tips, and information about products or services we recommend.

• We will never sell or share your email address with third parties for marketing purposes
• Every email we send includes a clear and easy unsubscribe link
• We comply with the EU ePrivacy Directive and GDPR regarding email marketing
• You can unsubscribe at any time with immediate effect
• We use ConvertKit to manage our email list — see their Privacy Policy
• Free resources offered in exchange for your email are delivered as described and represent our honest content

10. Third-Party Links & Websites

Our Website contains links to third-party websites, including broker platforms, financial tools, affiliate partners, and external resources. These links are provided for your convenience and information only.

• We do not control third-party websites and are not responsible for their content, accuracy, privacy practices, or security
• The inclusion of a link to a third-party website does not constitute our endorsement of that website, its owner, or its content
• When you leave our Website by clicking an external link, these Terms no longer apply — you are subject to the terms and privacy policy of the third-party website
• We are not responsible for any loss or damage arising from your use of third-party websites
• Some third-party links are affiliate links — see Section 5 for full disclosure

11. Social Media

Passive Euro maintains profiles on social media platforms including YouTube, Instagram, X (Twitter), Pinterest, LinkedIn, TikTok, Facebook, and Reddit. The following terms apply to our social media presence:

11.1 Our Social Media Content

Content we publish on social media is subject to the same financial disclaimer (Section 4) and intellectual property terms (Section 7) as content on our Website. Nothing posted on our social media accounts constitutes financial advice.

11.2 Interactions on Social Media

When you interact with us on social media (follow, comment, like, share), you are also subject to the terms and privacy policies of the relevant platform. We are not responsible for how social media platforms handle your data.

11.3 Social Sharing

You are welcome and encouraged to share links to our content on social media. When doing so, please ensure the content is attributed to Passive Euro and not presented as your own work.

11.4 Social Media Buttons

Our Website may include social sharing buttons. These may load scripts from social media platforms and set cookies. See our Privacy Policy for details.

12. Prohibited Uses

You agree not to use the Website in any way that:

• Violates any applicable local, national, or international law or regulation
• Involves transmitting unsolicited commercial communications (spam)
• Involves impersonating Passive Euro, its team, or any other person or entity
• Involves collecting or harvesting any personally identifiable information from the Website
• Involves using automated tools (bots, scrapers, crawlers) to access or extract Website content
• Attempts to gain unauthorized access to any part of the Website, its server, or any connected database
• Attempts to introduce viruses, trojans, worms, logic bombs, or other malicious or harmful material
• Involves conducting denial-of-service attacks or distributed denial-of-service attacks
• Infringes the intellectual property rights of Passive Euro or any third party
• Involves using our content or brand to promote misleading financial products or scams
• Involves creating mirror websites or republishing our content without permission
• Is intended to harm, harass, or defraud other users or third parties

Breach of this section may result in immediate termination of your access to the Website and may be reported to relevant law enforcement authorities.

13. Disclaimer of Warranties

To the fullest extent permitted by applicable law, Passive Euro expressly disclaims all warranties, including but not limited to:

• Accuracy: We do not warrant that the content on our Website is accurate, complete, current, or error-free. Financial information in particular may become outdated quickly.
• Fitness for purpose: We do not warrant that our content is suitable for your specific financial situation, investment goals, or circumstances.
• Uninterrupted access: We do not warrant that the Website will be available at all times, uninterrupted, or free from technical errors.
• Freedom from viruses: We do not warrant that the Website is free from viruses or other harmful components, although we take reasonable precautions.
• Third-party content: We do not warrant the accuracy or reliability of any third-party content, links, or services referenced on our Website.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Passive Euro, its owner, contributors, and affiliates shall not be liable for any:

• Investment losses arising from actions taken based on information read on this Website
• Direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Website
• Loss of profits, revenue, data, goodwill, or business opportunities related to the use of our content
• Errors or omissions in any content published on the Website
• Interruption or cessation of the Website or any services
• Third-party conduct including brokers, financial platforms, or affiliate partners
• Unauthorised access to or alteration of your data

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under Austrian law.

Where liability cannot be fully excluded under applicable law, our total aggregate liability to you in respect of any claims shall not exceed €100 (one hundred euros).

15. Indemnification

You agree to defend, indemnify, and hold harmless Passive Euro and its owner, contributors, and partners from and against any claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable legal fees) arising from:

• Your use of and access to the Website
• Your violation of any of these Terms and Conditions
• Your violation of any third-party rights, including intellectual property or privacy rights
• Any content you submit to the Website (including comments)
• Any investment decisions you make based on our content

16. Privacy Policy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy, which describes how we collect, use, and share information about you when you use our Website.

As a Website operating within the European Union (Austria), we comply fully with the General Data Protection Regulation (GDPR) (EU) 2016/679 and the Austrian Data Protection Act (Datenschutzgesetz).

17. Cookies

We use cookies and similar tracking technologies to enhance your experience on our Website, analyse traffic, and serve relevant advertisements. By continuing to use our Website after accepting our cookie consent banner, you consent to our use of cookies as described in our Privacy Policy.

You can withdraw your cookie consent at any time by clicking the cookie settings button or clearing your browser cookies. Note that disabling certain cookies may affect the functionality of our Website.

18. Website Availability & Modifications

We reserve the right to:

• Modify, suspend, or discontinue any part of the Website at any time without notice
• Change, update, or remove any content at any time
• Restrict access to all or part of the Website
• Perform maintenance, upgrades, or technical work that may temporarily make the Website unavailable

We are not liable to you or any third party for any modification, suspension, or discontinuation of the Website or any of its services.

19. Governing Law & Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Austria, without regard to its conflict of law principles.

Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the competent courts of Vienna, Austria.

If you are a consumer resident in the European Union, you may also benefit from any mandatory protective provisions of the law of the country in which you are resident, to the extent that such provisions apply notwithstanding the above choice of law.

19.1 EU Online Dispute Resolution

The European Commission provides an online dispute resolution (ODR) platform for consumers in the EU at: https://ec.europa.eu/consumers/odr. We are not obligated to participate in alternative dispute resolution procedures, but we are happy to resolve any concerns amicably — please contact us first.

19.2 Austrian Consumer Protection

If you are a consumer resident in Austria, you are also protected by the Austrian Consumer Protection Act (Konsumentenschutzgesetz) and the E-Commerce Act (E-Commerce-Gesetz). Nothing in these Terms affects your statutory rights as a consumer.

20. Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page
• Post a notice on our Website homepage
• Send an email notification to newsletter subscribers for significant changes

It is your responsibility to review these Terms periodically. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Website.

Previous versions of these Terms may be requested by contacting us via our contact page.