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Legal Documents

Here you can find the legal documents for the services provided by Vivid Money & Solaris and Vivid Invest & CM Equity

Vivid Money

General Terms and Conditions
PDF
Special Terms and Conditions App and Web
PDF
Special Terms and Conditions Bank Account
PDF
Special Terms and Conditions Debit Card
PDF
Pre-contractual information for distance contracts
PDF
Special Terms and Conditions Multi Currency Trading Services
PDF
Privacy policy
PDF
Special Terms and Conditions Vivid Top-Up
PDF
Fees for usage of Vivid Services for inactive accounts
PDF
Interest Incentive for successful repayment of overdraft
PDF
Special Conditions for financial management services “Auto Split” and “Free Up”
PDF
Cookie policy
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Vivid Invest

Vivid Invest GmbH Client Agreement
PDF
Vivid Invest Special Terms and Conditions App
PDF
Services, Products, Costs & Risks Document
PDF
Conflicts of Interest Policy
PDF
Complaints Procedure
PDF
Vivid Beat Terms of Service
PDF
Privacy Policy
PDF

Solaris

For all customers:
Conditions for Payments via Virtual Debit Cards
PDF
Special Terms and Conditions for the Vivid Money Account
PDF
Special Terms and Conditions for the Use of the Vivid Money Cards
PDF
Special Terms and Conditions for Foreign Currency Accounts
PDF
General Terms and Conditions
PDF
Terms and Conditions for Payments by Direct Debit under the SEPA Core Direct Debit Scheme
PDF
Terms and Conditions for Credit Transfers
PDF
Conditions for Online Banking
PDF
Conditions for the Debit Cards
PDF
Special Terms and Conditions for 3D Secure for Online Card Transactions
PDF
List of Prices and Services
PDF
Customer Information on Data Processing
PDF
Pre-Contractual Information for Distance Contracts on Financial Services
PDF
Depositor Information Sheet
PDF
Special Terms and Conditions for Apple Pay
PDF
Special Terms and Conditions for Google Pay
PDF
Only for personal accounts (consumer accounts):
Special Terms and Conditions for Overdrafts
PDF
Automatic Exchange of Church Taxes Information
PDF
List of the Most Representative Services Linked to a Payment Account
PDF
General Information on the Basic Payment Account
PDF
General Information on Account Switching Service under the Payment Accounts Act (Zahlungskontengesetz)
PDF
Statement of Fees - Standard Account
PDF
Statement of Fees - Premium Account
PDF

CM - Equity

CM-Equity AG Terms of Service
PDF
Pre-contractual information in relation to distance contracts and offpremises contracts for financial services
PDF
Key Information Document Fractional Shares (KID)
PAGE
Key Information Document Fractional Coins (KID)
PAGE
Key Information Document Fractional Metals Gold (KID)
PDF
Key Information Document Fractional Metals Silver (KID)
PDF
Fair Pricing Policy for Private Clients
PDF
Services, Products, Costs & Risks Document
PDF
Conflicts of Interest Policy
PDF
Complaints Procedure
PDF
Privacy Policy
PDF
Legal Documents
Imprint
Privacy policy
Insurance services
Providers of the services:
Vivid Money GmbH acts as an outsourcing partner of Solaris SE for the provision of bank account services and debit card services. Vivid Money GmbH offers the brokerage of transactions for the purchase and sale of financial instruments in the area of foreign exchange as a tied agent of Solaris SE.
Vivid Invest GmbH offers as tied agent of CM-Equity AG the brokerage of transactions on the purchase and sale of financial instruments with the exception of those in the area of foreign exchange brokered by Vivid Money GmbH.

Notice according to § 2 section 10 of the German Banking Act (Kreditwesengesetz (KWG))
Vivid Money GmbH offers the brokerage of transactions on the purchase and sale of financial instruments in the area of foreign exchange in accordance with § 1 section 1a sentence 2 no. 1 of the KWG exclusively in the name and for the account of the Solaris SE. Vivid Money GmbH is recorded as “tied agent” of Solaris SE within the meaning of § 2 section 10 of the KWG in the register which is kept by the German Federal Financial Supervisory Authority (BaFin). The register can be accessed under www.bafin.de.

Notice according to § 28 section 1 of the WpIG
Vivid Invest GmbH offers the brokerage of transactions on the purchase and sale of financial instruments in accordance with § 2 section 2 no. 3 of the WpIG (Wertpapierinstitutsgesetz) exclusively for the account and under the liability of CM-Equity AG. Vivid Invest GmbH is recorded as “tied agent” of CM-Equity AG within the meaning of § 3 section 2 of the WpIG in the register which is kept by the German Federal Financial Supervisory Authority (BaFin). The register can be accessed under www.bafin.de.