Last updated: 15 January 2026
By accessing and using the services provided by CipherDoctor AG ("Company", "we", "our", or "us"), you ("Client", "you", or "your") agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and CipherDoctor AG regarding your use of our student loan repayment strategy services and website at cipherdoctor.pro.
If you do not agree with any part of these Terms, you must not use our services or access our website. Your continued use of our services after any modifications to these Terms constitutes your acceptance of such changes.
CipherDoctor AG is a German corporation providing student loan repayment advisory services:
CipherDoctor AG provides professional financial advisory services specifically focused on student loan repayment strategies. Our services include but are not limited to personalised repayment plan development, loan consolidation analysis, financial counselling, and ongoing support for clients across the European Union.
Our services are advisory in nature and do not constitute direct loan servicing, debt collection, or legal representation. We do not act as intermediaries between clients and their loan providers unless specifically contracted to do so.
As a client of CipherDoctor AG, you agree to:
Fees for our services will be clearly communicated before commencement of any paid engagement. Payment terms are typically due within 30 days of invoice date unless otherwise agreed. Late payments may incur additional charges as permitted by German law. We reserve the right to suspend services for accounts with overdue payments.
CipherDoctor AG adheres to professional standards of care and competence in providing financial advisory services. However, we cannot guarantee specific outcomes regarding your loan repayment, interest savings, or approval of consolidation applications. Financial markets and lending policies are subject to change, and individual results may vary based on personal circumstances.
All content on our website and in our service materials, including but not limited to text, graphics, logos, software, methodologies, and analytical tools, is the property of CipherDoctor AG or its licensors and is protected by German and international copyright laws. You may not reproduce, distribute, modify, or create derivative works of our intellectual property without our express written permission.
Any strategies, reports, or recommendations we develop specifically for you remain our intellectual property, though you are granted a non-exclusive licence to use them for your personal financial management purposes.
We maintain strict confidentiality regarding all client information and financial data. Our confidentiality obligations are outlined in our Privacy Policy and comply with applicable data protection regulations. You acknowledge that effective advisory services require the sharing of sensitive financial information and consent to our processing of such data as described in our Privacy Policy.
To the fullest extent permitted by German law, CipherDoctor AG's liability for any claims arising from our services is limited to the total amount of fees paid by you for the specific service giving rise to the claim. We 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.
This limitation applies regardless of whether the claim is based on contract, tort, negligence, or any other legal theory. Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you to the extent prohibited by applicable law.
You agree to indemnify and hold harmless CipherDoctor AG, its directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms, your use of our services, or your violation of any applicable laws or third-party rights.
Either party may terminate the service relationship at any time with reasonable notice. CipherDoctor AG reserves the right to terminate services immediately if you breach these Terms or engage in conduct that we reasonably believe may harm our reputation or business interests.
Upon termination, you remain liable for any outstanding fees, and our confidentiality obligations continue indefinitely. 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 clauses.
CipherDoctor AG shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, government regulations, pandemics, or technical failures of third-party systems.
We reserve the right to modify these Terms at any time by posting updated Terms on our website. Material changes will be communicated to existing clients via email or other appropriate means. Your continued use of our services after such modifications constitutes acceptance of the revised Terms.
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Frankfurt am Main, Germany.
For clients residing in other EU member states, this choice of law does not deprive you of the protection afforded by provisions that cannot be derogated from by agreement under the law of your country of residence.
Before initiating formal legal proceedings, parties agree to attempt resolution through good faith negotiations. If direct negotiation fails, we encourage the use of mediation services available through German commercial mediation organisations.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remainder of these Terms shall remain in full force and effect.
These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and CipherDoctor AG regarding your use of our services and supersede all prior or contemporaneous communications and proposals.
For questions about these Terms or to report violations, please contact us:
By using CipherDoctor AG's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. These Terms are effective as of the date of your first use of our services or website, whichever occurs first.