Last Updated: July 10, 2025
Welcome to Online Skill Box (the “Website”), owned and operated by SkillBox Media GmbH, a company registered in Germany. This Disclaimer governs your use of our Website, accessible at www.onlineskillbox.com, and all associated content, services, and products. By accessing or using the Website, you agree to be bound by the terms outlined in this Disclaimer. If you do not agree with any part of this Disclaimer, please do not use the Website.
Company Information
SkillBox Media GmbH
Address: Friedrichstraße 123, 10117 Berlin, Germany
Email: contact@onlineskillbox.com
Registration Number: HRB 987654 (fictional for compliance purposes)
1. General Information
Online Skill Box provides educational and informational content related to financial literacy, investment strategies, personal finance management, and skill development. The content on this Website is intended for general informational purposes only and does not constitute professional financial, legal, tax, or investment advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website for any purpose.
Any reliance you place on the information provided on this Website is strictly at your own risk. SkillBox Media GmbH, its affiliates, employees, authors, or contributors will not be liable for any losses or damages, including without limitation direct, indirect, incidental, consequential, or punitive damages, arising out of your use of or inability to use the Website or its content.
2. No Professional Financial Advice
The content on Online Skill Box is not intended to replace professional financial advice. The information provided, including but not limited to articles, blog posts, videos, tutorials, and tools, is designed to educate and inform users about financial topics such as budgeting, investing, saving, and financial planning. However, this content should not be considered a substitute for individualized advice from qualified professionals, such as certified financial advisors, accountants, or tax consultants.
Before making any financial decisions, including investments, loans, or other financial commitments, you should consult with a licensed financial advisor or other qualified professional who can assess your individual financial situation, goals, and risk tolerance. SkillBox Media GmbH does not provide personalized financial advice, and any actions taken based on the information provided on this Website are at your sole discretion and risk.
3. Investment Risks
Investing involves significant risks, including the potential loss of principal. Online Skill Box may provide content related to various investment opportunities, such as stocks, bonds, mutual funds, cryptocurrencies, real estate, or other financial instruments. However, past performance is not indicative of future results, and all investments carry inherent risks. The value of investments can fluctuate, and you may lose some or all of your invested capital.
SkillBox Media GmbH does not guarantee the accuracy, timeliness, or completeness of any investment-related information provided on the Website. We are not registered financial advisors, brokers, or investment professionals, and we do not provide recommendations or endorsements for specific investments, strategies, or products. You are solely responsible for evaluating the risks and merits of any investment decisions and should seek professional advice before investing.
4. Affiliate Relationships and Compensation
Online Skill Box participates in affiliate marketing programs, including but not limited to Mediavine through the Grow platform. This means that we may earn commissions or other forms of compensation when you click on links or make purchases through third-party websites linked from our Website. These affiliate relationships do not influence the editorial content or opinions expressed on the Website, which are intended to remain objective and unbiased.
However, the inclusion of affiliate links or partnerships does not imply an endorsement or guarantee of the quality, reliability, or suitability of the products or services offered by third parties. You should conduct your own due diligence before engaging with any third-party products or services linked from our Website. SkillBox Media GmbH is not responsible for any losses, damages, or disputes arising from your interactions with third-party providers.
5. Third-Party Content and Links
The Website may contain links to third-party websites, advertisements, or services that are not owned or controlled by SkillBox Media GmbH. We do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party websites or services. Accessing third-party links is at your own risk, and we encourage you to review the terms and privacy policies of any third-party websites before engaging with their content or services.
Additionally, some content on the Website may be provided by third-party contributors, such as guest authors or sponsored posts. While we strive to ensure the quality and accuracy of such content, SkillBox Media GmbH does not guarantee its accuracy or reliability. Opinions expressed by third-party contributors are their own and do not necessarily reflect the views of SkillBox Media GmbH.
6. Accuracy and Timeliness of Information
The financial landscape is constantly evolving, and information provided on Online Skill Box may become outdated or inaccurate over time. While we make every effort to ensure that the content on the Website is accurate and up-to-date at the time of publication, we cannot guarantee its ongoing accuracy or applicability to your specific situation.
Financial regulations, tax laws, market conditions, and other factors may change without notice, and it is your responsibility to verify the accuracy of any information before acting on it. SkillBox Media GmbH is not liable for any errors, omissions, or outdated information contained on the Website.
7. No Warranties
The Website and its content are provided on an “as is” and “as available” basis without any warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. SkillBox Media GmbH does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components.
We do not guarantee that the Website or its content will meet your expectations or requirements, nor do we guarantee the accuracy, completeness, or reliability of any information provided. Your use of the Website is at your own risk, and you are responsible for any consequences arising from such use.
8. Limitation of Liability
To the fullest extent permitted by law, SkillBox Media GmbH, its affiliates, officers, directors, employees, agents, or contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:
- Your use of or inability to use the Website or its content;
- Any errors, omissions, or inaccuracies in the content;
- Any unauthorized access to or use of our servers or personal information;
- Any interruption or cessation of transmission to or from the Website;
- Any bugs, viruses, or other harmful components transmitted through the Website by any third party;
- Any actions taken based on the information provided on the Website.
This limitation of liability applies regardless of the legal theory under which such damages are sought, including breach of contract, tort, negligence, or otherwise, even if SkillBox Media GmbH has been advised of the possibility of such damages.
9. Intellectual Property
All content on the Website, including but not limited to text, images, graphics, logos, videos, and software, is the property of SkillBox Media GmbH or its licensors and is protected by German and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Website without prior written consent from SkillBox Media GmbH.
10. User Responsibilities
By using the Website, you agree to:
- Use the Website and its content for lawful purposes only;
- Not engage in any activity that could harm, disable, or impair the Website or its servers;
- Not attempt to gain unauthorized access to any part of the Website or its systems;
- Not use the Website to transmit any harmful or illegal content, including viruses or malware.
You are responsible for ensuring that your use of the Website complies with all applicable local, national, and international laws and regulations.
11. Governing Law and Jurisdiction
This Disclaimer is governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to its conflict of law principles. Any disputes arising out of or in connection with this Disclaimer or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Berlin, Germany.
12. Changes to This Disclaimer
SkillBox Media GmbH reserves the right to update or modify this Disclaimer at any time without prior notice. Any changes will be effective immediately upon posting on the Website. It is your responsibility to review this Disclaimer periodically for updates. Your continued use of the Website following the posting of changes constitutes your acceptance of those changes.
13. Financial Disclosures for Mediavine and Grow
As part of our application for Mediavine through the Grow platform, we disclose the following:
- Advertising: Online Skill Box uses Mediavine to manage advertisements displayed on the Website. Mediavine may collect and use certain data for personalized advertising purposes, as outlined in their privacy policy. You can learn more about Mediavine’s data practices at Mediavine’s Privacy Policy.
- Cookies and Tracking Technologies: The Website uses cookies and similar technologies to enhance user experience and provide personalized content and advertisements. You can manage your cookie preferences through your browser settings or by opting out of personalized ads through Mediavine’s opt-out tools.
- Data Collection: We may collect non-personally identifiable information, such as browsing behavior and demographic data, to improve the Website and deliver relevant advertisements. For more details, please refer to our Privacy Policy.
14. Contact Information
If you have any questions, concerns, or feedback about this Disclaimer or the Website, please contact us at:
Email: contact@onlineskillbox.com
Address: SkillBox Media GmbH, Friedrichstraße 123, 10117 Berlin, Germany
We will respond to your inquiries as soon as possible. Please note that email communications are not necessarily secure, so avoid sending sensitive personal or financial information via email.
15. Indemnification
You agree to indemnify, defend, and hold harmless SkillBox Media GmbH, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable legal fees, arising out of or in connection with your use of the Website, your violation of this Disclaimer, or your violation of any rights of another party.
16. Severability
If any provision of this Disclaimer is found to be invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect, and the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.
17. No Endorsement of Third-Party Products or Services
References to any specific financial products, services, companies, or organizations on the Website do not constitute an endorsement or recommendation by SkillBox Media GmbH. Such references are provided for informational purposes only, and you should independently verify the suitability of any products or services before engaging with them.
18. International Users
Online Skill Box is operated from Germany and is intended for a global audience. However, the content on the Website may not be appropriate or available for use in all jurisdictions. If you access the Website from outside Germany, you are responsible for compliance with local laws and regulations. SkillBox Media GmbH makes no representations that the content or services on the Website are suitable for use in all locations.
19. Accessibility
We are committed to making Online Skill Box accessible to all users. If you encounter any accessibility issues while using the Website, please contact us at contact@onlineskillbox.com, and we will work to address your concerns.
20. Force Majeure
SkillBox Media GmbH shall not be liable for any failure or delay in performing its obligations under this Disclaimer due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, natural disasters, or technical failures.
Thank you for visiting Online Skill Box. We hope our content helps you enhance your financial literacy and skills. However, always exercise caution and seek professional advice before making financial decisions.