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ABOUT GEH Global Investing
www.crowdinvesting.asia is an offer of GEH German E Systems Holding Hong Kong responsible body in the sense of data protection laws, hereafter referred to as "GEH. In this privacy policy, GEH informs you about the use of your personal data. We know that the careful use of your personal data is very important to you, and we appreciate your trust. Since this is another reason why data protection is highly important to GEH, we comply fully with the legal requirements of the Hong Kong Federal Data Protection Act while collecting, processing, and using your data.

1. Information about our customers helps us further individualize and improve your crowdfunding experience on GEH. Selling this information is not part of our business model. We store the data you submit primarily for the optimal processing of orders. This applies to your name, your address, your date of birth, your user name and password, your email address, your payment data, and any other data you submit to us. When you participate in an equity crowdfunding campaign or use functions that require registration for the first time, your data are stored in order to create a user account, which will enable you to make faster and more comfortable investments in the future. After you have invested in a company, we display your first name, place of residence, and investment amount on the website.

2. We use and process your personal data that is stored in our systems according to the legal requirements and primarily in order to establish, handle, and process your user account and the contracts you conclude with us. This also includes the transfer of your data to third parties and the use of the data by these parties insofar as this is necessary to establish, handle, and process your user account and the contracts you conclude with us or insofar as this is necessary for the start-ups in which you invested to contact you directly via mail or electronically or insofar as this is necessary for service providers commissioned by us to request your feedback on the start-ups in which you invested. Furthermore, we store a summary of your investments.

3. Similar to many other websites, we use cookies on different sites in order to make visits to our website attractive and to enable users to use certain functions. These cookies are small text files stored on your computer that make an analysis of your use of this website possible. Most of the cookies we use are deleted from your hard drive when the browser session ends (so-called session cookies). Other cookies remain on your computer and enable us to recognize your computer during your next visit (so-called permanent cookies). Our partner companies are not authorized to collect, process, or use personal data by means of cookies on our website. Should you not wish the website to use cookies, you can stop it from doing so yourself: The "Help" feature in the menu bar of most web browsers explains to you how you can set your browser not to accept any new cookies, to notify you if new cookies are stored, or to delete all cookies stored so far. Cookies, however, enable you to use some of the features of our website, which is why we recommend that you keep this function activated.

4. For the purposes of advertising, market research, and tailoring the services to the needs of our customers, GEH uses the tracking system Google Analytics, a web analysis service of Google Inc. ("Google"). Google Analytics uses cookies that make an analysis of the way in which you use the website possible. The information generated by the cookie about your use of this website (including your IP address) is transmitted to and stored on a Google server in the U.S. Google uses this information to analyze your use of the website, to compile reports about website activity for the operators of the website, and to provide additional services related to the use of the website and of the Internet. Moreover, Google may transfer this information to third parties if this is required by law or if third parties process these data on behalf of Google. Third parties, including Google, place advertisements on websites on the Internet. Third parties, including Google, use stored cookies to place advertisements based on a user's previous visits to this website. Google will never make a connection between your IP address and any other Google data. As explained above, you may set your browser not to install cookies. However, we wish to remind you that you may not be able to use all features of this website in that case. By using this website, you agree that Google may process the data collected about you in the aforementioned fashion and for the aforementioned purpose.

5. We use social plug-ins ("plug-ins") by the social network facebook.com, which is operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94303, USA ("Facebook"). These plug-ins may be identified by the Facebook logo (a white "f" on a blue tile or a "thumbs up" sign) or are marked as "Facebook Social Plugin." You may access a list and pictures of the Facebook social plug-ins at https://developers.facebook.com/docs/plugins/. If users access a website containing such a plug-in, their browser will initiate a direct connection with the Facebook servers. Facebook transmits the plug-in's content directly to the browser, which then integrates it into the website. As a result, we cannot influence the data Facebook collects through this plug-in and are informing our users based on the information available to us:

When the plug-in is integrated into a website, Facebook is notified whenever a user has accessed a certain page of the website. If that user is logged in to Facebook, Facebook is able to identify the website visitor through his/her Facebook account. When users interact with the plug-ins, for instance by clicking the "like" button or posting a comment, their browser transmits this information directly to Facebook, where it is stored. When a user is not a member of Facebook, it is still possible the Facebook learns about that user's IP address and stores this address. According to Facebook, IP addresses in Germany are stored in an anonymized fashion.
You may look up the purpose and the extent of data collection, further processing, and use by Facebook and the related rights and settings available to protect users' privacy in the Facebook Data Policy: https://www.facebook.com/about/privacy/.
If a user is a member of Facebook and does not want Facebook to collect data about him/her through this website and to connect these data with his/her membership data, he/she has to log out from Facebook prior to his/her visit to this website.
It is also possible to block Facebook social plug-ins using add-ons to your browser.

6. Our website contains remarketing tags by the social network Facebook, 1601 South California Avenue, Palo Alto, CA 94304, USA. When you visit our website, these remarketing tags establish a direct connection between your browser and the Facebook servers. Thus, Facebook receives the information that you have visited our website with your IP address. In this way, Facebook can identify visitors of our website through their Facebook account. We may use the information we receive in this way for displaying Facebook Ads. Please note that as the operator of this website, we receive neither any information about the content of the data transmitted nor any information about the use of these data by Facebook. For more information, please refer to the Facebook Data Policy available at https://www.facebook.com/about/privacy/. In case you do not want your data to be collected via Custom Audience, you may deactivate Custom Audiences at https://www.facebook.com/ads/website_custom_audiences/.

7. While you are browsing our website, we store advertising cookies on your computer in order to better understand your interests. In collaboration with AdRoll, a partner for display ads, we can then provide you with retargeting ads on other websites based on your previous interaction with our website. The technologies our partner uses do not record any personal information, such as names, email addresses, addresses, or telephone numbers. You may unsubscribe from targeted ads by AdRoll and its partners on this website: http://www.networkadvertising.org/choices/

8. If you agreed with this during your registration by requesting information on new start-ups via email, we will process and use your personal data for our own advertising activities (emails, newsletters, etc.). In no case will we share your data with third parties for the purpose of advertising. By creating a user account on our platform, you are also authorizing us to mail you information on GEH and on new investment opportunities. You may unsubscribe from our email newsletter and from our mailings at any time by notifying us of this decision, for instance in an email to info@crowdinvesting.asia or a letter to the address listed above.

9. If necessary, you have given your express consent by means of the declaration below. Please note that you may revoke your consent with effect for the future at any time. "[...] I will receive information on GEH and new investment opportunities via email and conventional mail. (You may unsubscribe by emailing info@crowdinvesting.asia at any time)"

10. We are authorized to transfer your data to third parties if this is permissible by law, e.g., under the Hong Kong Federal Data Protection Act, and necessary, for instance in cases where data are transmitted to law enforcement agencies and supervisory authorities for the purpose of averting dangers to national security and public safety and for the purpose of prosecuting crimes.

11. If you store data with us or if we receive data from financial authorities, we are authorized to use these data and to make them available to those start-ups in which you invest as well as to these start-ups' service providers in order for payouts to you resulting from your investments (e.g., interest payments or loan repayments) to be made and in order for the necessary declarations, particularly those related to capital gains tax, to be made to the responsible authorities by us or the start-ups or the start-ups' service providers. This includes, but is not limited to, your first and last name, sex, address, investment amount, bank information.

12. We store the text of the contract and email you our terms and conditions together with the participation confirmation. You may access our terms and conditions at www.crowdinvesting.asia at any time.

13. According to the Hong Kong Data Protection Act, you have the right to receive free information on your data stored in our systems as well as the right to have these data corrected, blocked, or deleted if necessary. You are entitled to demand information on the extent to which your data are used at any time. Please inform us of your request for information by emailing info@crowdinvestment.asia or sending a simple letter to GEH.

Last Updated: October 2016
How do I make a profit on investments in start-ups?

There are two different investment models on GEH:

Model 1: Investors grant loans to start-ups. The loans are granted for a period of 5 years and bear a fixed annual interest rate of 5-8 %. These start-ups are clearly marked as "venture loans."

Model 2: Investors do not receive a fixed interest rate; instead, investors become shareholders. In the case of these start-ups, returns are contingent on the development of the start-up. As an investor, you will receive a share of the start-up's profits as well as a portion of the sales price, if the start-up is sold to another company. This model can generate much higher returns than model 1 but is also less secure.
Isn't there also a risk of losing money?

Yes. Investments in start-ups are risky. There is a risk that you might lose the amount you invested. If the investment develops well, however, it is possible to multiply the initial investment amount.
There are two simple steps to significantly minimize your risk:

Only ever invest a small amount of your capital, for example 10 %, in a start-up. With this approach, your total assets will only be marginally affected even if your start-up investment fails.
Divide your investments between a minimum of 3 start-ups. It is far less likely that 3 start-ups will fail than that one single start-up will fail.
These two simple steps will substantially decrease your risk due to the dual risk prevention measures. If one start-up does fail, your total assets will hardly be affected, and even if all start-ups were to fail, you will only lose a small portion of your capital. At the same time, a successful start-up investment will provide you with the opportunity of achieving returns that are much higher than those associated with traditional investments, as successful start-up investments can generate returns of several hundred or even thousand percent.

When and how can I access my money?

In the case of loans with a fixed interest rate (model 1: venture loan), you will receive your interest payments once every six months (on 30 June and 31 December).

In the case of start-up shares (model 2), you will receive your dividend payout once per year (on 31 July); naturally, payouts can only be effected if the company makes a profit.

Payments are effected through bank transfers to your reference account.

How much money can I expect?

In the case of loans with a fixed interest rate (model 1: venture loan), you will receive your annual interest of 5-8 %.

It is not possible to estimate the level of profits for start-up shares (model 2) in advance. Your profit is contingent on the start-up's profits and your initial investment. The more you invest, the higher your share in the profits. The precise amount of holding per 5 USD invested can be found in the start-up profiles.

What happens if I urgently need the money I invested?

Start-up investments are long-term investments that are intended to last for numerous years, as developing a successful company is generally a multi-year project. You have the option to sell your shares to a third party; however, there is no organized market, which means that you would have to find a buyer independently. This is another reason why we recommend investing only an amount that you can spare in the long run. As mentioned earlier, you should not invest more than 10 % of your capital in a start-up anyway. A higher investment amount may be profitable, but the risks also increase accordingly.

How do I decide which start-up to invest in? Can GEH help me decide?

GEH cannot help you to decide which start-up to invest in. However, GEH does narrow down the choices. Only approx. 1 % of all start-ups that apply for funding rounds on GEH are accepted. But it is up to you to choose a start-up for your investment. We recommend investing in a start-up with a business model that you understand, and that you personally think is good. Do not invest in companies if you cannot understand their business models.

How much should I invest?

The amount you invest in a start-up depends on your disposable income. As a general rule, we recommend half of your net monthly income. If you want to invest more, you should divide your investment amount between numerous start-ups in order to spread the risk.

What happens after my investment?

After investing, you will immediately receive an email with your personal share certificate, documenting your investment. For the remainder of the holding period, you will receive a quarterly investor update from your start-up, informing you about the start-up's business development. Profit and interest payments are effected through bank transfers to your reference account.

GEH - Crowdfunding for Start-ups
Do you have any questions about investing on GEH? Please do not hesitate to contact me via email.
If you'd like to give feedback, please send a message to info@crowdinvesting.asia.
For legal reasons we do not give any telephone information.
1. Welcome to GEH!
This page explains our terms of use. When you use GEH, you’re agreeing to all the rules on this page. Some of them need to be expressed in legal language, but we’ve done our best to offer you clear and simple explanations of what everything means — hence the brief summaries in these blue boxes. The summaries, for the record, are not part of the official legal terms.
Welcome to GEH. By using this website (the “Site”) and services (together with the Site, the “Services”) offered by GEH (together with its parents, subsidiaries, affiliates, agents, representatives, consultants, employees, officers, and directors — collectively, “GEH,” “we,” or “us”), you’re agreeing to these legally binding rules (the “Terms”). You’re also agreeing to our Privacy Policy and agreeing to follow any other rules on the Site.
We may change these terms from time to time. If we do, we’ll let you know about any material changes, either by notifying you on the Site or by sending you an email. New versions of the terms will never apply retroactively — we’ll tell you the exact date they go into effect. If you keep using GEH after a change, that means you accept the new terms.
GEH is for your personal, non-commercial use, except as explained in section 4 and section 5 below.

2. About Creating an Account
To sign up for a GEH account, you need to be 18 or over. You’re responsible for your account and all the activity on it.
You can browse GEH without registering for an account. But to use some of GEH functions, you’ll need to register, choose an account name, and set a password. When you do that, the information you give us has to be accurate and complete. Don’t impersonate anyone else or choose names that are offensive or that violate anyone’s rights. If you don’t follow these rules, we may cancel your account.
You’re responsible for all the activity on your account, and for keeping your password confidential. If you find out that someone’s used your account without your permission, you should report it to support@crowdinvesting.asia.
To sign up for an account, you need to be at least 18 years old, or old enough to form a binding contract where you live. If necessary, we may ask you for proof of age.

3. Things You Definitely Shouldn’t Do
This section is a list of things you probably already know you shouldn’t do — lie, break laws, abuse people, steal data, hack other people’s computers, and so on. Please behave yourself. Don’t do this stuff.
Many people use GEH. We expect all of them to behave responsibly and help keep this a nice place. Don’t do any of these things on the Site:
Don’t break the law. Don’t take any action that infringes or violates other people’s rights, violates the law, or breaches any contract or legal duty you have toward anyone.
Don’t lie to people. Don’t post information you know is false, misleading, or inaccurate. Don’t do anything deceptive or fraudulent.
Don’t offer prohibited items. Don’t offer any rewards that are illegal, violate any of GEH policies, rules, or guidelines, or violate any applicable law, statute, ordinance, or regulation.
Don’t victimize anyone. Don’t do anything threatening, abusive, harassing, defamatory, libelous, tortious, obscene, profane, or invasive of another person’s privacy.
Don’t spam. Don’t distribute unsolicited or unauthorized advertising or promotional material, or any junk mail, spam, or chain letters. Don’t run mail lists, listservs, or any kind of auto-responder or spam on or through the Site.
Don’t harm anyone’s computer. Don’t distribute software viruses, or anything else (code, films, programs) designed to interfere with the proper function of any software, hardware, or equipment on the Site (whether it belongs to GEH or another party).
Don’t abuse other users’ personal information. When you use GEH — and especially if you create a successful project — you may receive information about other users, including things like their names, email addresses, and postal addresses. This information is provided for the purpose of participating in a GEH project: don’t use it for other purposes, and don’t abuse it.
We also need to make sure that the Site is secure and our systems function properly. So don’t do any of these things — most of which boil down to “don’t mess with our system.”
Don’t try to interfere with the proper workings of the Services.
Don’t bypass any measures we’ve put in place to secure the Services.
Don’t try to damage or get unauthorized access to any system, data, password, or other information, whether it belongs to GEH or another party.
Don’t take any action that imposes an unreasonable load on our infrastructure, or on our third-party providers. (We reserve the right to determine what’s reasonable.)
Don’t use any kind of software or device (whether it’s manual or automated) to “crawl” or “spider” any part of the Site.
Don’t take apart or reverse engineer any aspect of Kickstarter in an effort to access things like source code, underlying ideas, or algorithms.

4. How Projects Work
Most of our Terms of Use explain your relationship with GEH. This section is different — it explains the relationship between creators and Investors of GEH projects, and who’s responsible for what. This is what you’re agreeing to when you create or back a GEH project.
GEH provides a funding platform for creative projects. When a creator posts a project on GEH, they’re inviting other people to form a contract with them. Anyone who backs a project is accepting the creator’s offer, and forming that contract.
GEH is not a part of this contract — the contract is a direct legal agreement between creators and their Investors. Here are the terms that govern that agreement:
When a project is successfully funded, the creator must complete the project and fulfill each reward. Once a creator has done so, they’ve satisfied their obligation to their backers.
Throughout the process, creators owe their backers a high standard of effort, honest communication, and a dedication to bringing the project to life. At the same time, backers must understand that when they back a project, they’re helping to create something new — not ordering something that already exists. There may be changes or delays, and there’s a chance something could happen that prevents the creator from being able to finish the project as promised.
If a creator is unable to complete their project and fulfill rewards, they’ve failed to live up to the basic obligations of this agreement. To right this, they must make every reasonable effort to find another way of bringing the project to the best possible conclusion for backers. A creator in this position has only remedied the situation and met their obligations to backers if:
they post an update that explains what work has been done, how funds were used, and what prevents them from finishing the project as planned;
they work diligently and in good faith to bring the project to the best possible conclusion in a timeframe that’s communicated to backers;
they’re able to demonstrate that they’ve used funds appropriately and made every reasonable effort to complete the project as promised;
they’ve been honest, and have made no material misrepresentations in their communication to backers; and
they offer to return any remaining funds to backers who have not received their reward (in proportion to the amounts pledged), or else explain how those funds will be used to complete the project in some alternate form.
The creator is solely responsible for fulfilling the promises made in their project. If they’re unable to satisfy the terms of this agreement, they may be subject to legal action by backers.

5. How Funding Works
This section goes over the details of backing and creating projects — things like how money gets collected, whether pledges can be changed or canceled, and how creators can contact backers to provide rewards.
These are the terms that apply when you’re backing a project:
The Estimated Delivery Date is the creator’s estimate. The date listed on each reward is the creator’s estimate of when they will provide the reward — not a guarantee to fulfill by that date. The schedule may change as the creator works on the project. We ask creators to think carefully, set a date they feel confident they can work toward, and communicate with backers about any changes.
The creator may need to send you questions about your reward. To deliver rewards, the creator might need information from you, like your mailing address or t-shirt size. They’ll request that information after the campaign has succeeded. To receive the reward, you’ll need to provide the information in a reasonable amount of time.
GEH doesn’t offer refunds. Responsibility for finishing a project lies entirely with the project creator. Kickstarter doesn’t hold funds on creators’ behalf, cannot guarantee creators’ work, and does not offer refunds.
These are the terms that apply when you’re creating a project:
You can refund individual pledges if you want. After your project has been funded, you can cancel and refund a backer’s pledge at any time. If you do, you have no further obligation to that specific backer, and no agreement exists between you.
We’ll charge our fees before putting funds in your account. GEH and its payment partners will subtract fees before transmitting the proceeds of a campaign.
Some pledges can’t be collected, which might reduce the amount of funding you get. Because some payments can’t be collected — for instance, when a backer’s credit card expires before funding ends, and they don’t provide updated information — we can’t guarantee that the amount of funding you receive will be exactly equal to the full amount pledged minus fees.
We'll help resolve payment-card disputes. If a backer of your project disputes the charge with their card issuer, we'll handle re-presenting the charge to settle the dispute with the card issuer. You’ll be notified that a dispute has been filed, and you’ll be able to provide evidence to help us resolve it in your favor. If the cardholder’s dispute is found valid, you authorize us to charge the credit card number you provided when you started your project for the amount of the chargeback.
Don’t count your chickens before they hatch. Don’t assume you’ll be able to launch your project when you want; there could be a reason we’re not able to accept it, or a problem that takes time to resolve. Don’t assume you’ll be able to immediately collect your funding; there may be a delay between the end of a successful campaign and your access to the funds. And don’t take any actions in reliance on collecting any of the money pledged until you actually have the ability to withdraw it from your account and spend it.

6. Stuff We Don’t Do and Aren’t Responsible For
We don’t oversee projects’ performance, and we don’t mediate disputes between users.
GEH isn’t liable for any damages or losses related to your use of the Services. We don’t become involved in disputes between users, or between users and any third party relating to the use of the Services. We don’t oversee the performance or punctuality of projects, and we don’t endorse any content users submit to the Site. When you use the Services, you release Kickstarter from claims, damages, and demands of every kind — known or unknown, suspected or unsuspected, disclosed or undisclosed — arising out of or in any way related to such disputes and the Services. All content you access through the Services is at your own risk. You’re solely responsible for any resulting damage or loss to any party.

7. Our Fees
Fees are only charged on successfully funded projects. We charge different fees, in addition to any fees from our payments partners. Look fees.
Creating an account on GEH is free. If you create a project that is successfully funded, we (and our payment partners) collect fees. Our partners’ fees may vary slightly based on your location.
We will not collect any fees without giving you a chance to review and accept them. If our fees ever change, we’ll announce that on our Site. Some funds pledged by backers are collected by payment providers. Each payment provider is its own company, and GEH isn’t responsible for its performance.
You’re responsible for paying any additional fees or taxes associated with your use of GEH.

8. Other Websites
If you follow a link to another website, what happens there is between you and them — not us.
GEH may contain links to other websites. (For instance, project pages, user profiles, and comments may link to other sites.) When you access third-party websites, you do so at your own risk. We don’t control or endorse those sites.
GEH partners with other companies (such as Paypal) for payment processing. When you back or create a project, you’re also agreeing to the payment processor’s terms of service.

9. Your Intellectual Property
We don’t own the stuff you post on GEH. But when you post it, you’re giving us permission to use or copy it however we need in order to run the site, or show people what’s happening on it. (We generally just use this to promote projects and showcase our community on the website.) You’re responsible for the content you post, and you’re vouching to us that it’s all okay to use.
GEH doesn’t own content you submit to us (your “Content”). But we do need certain licenses from you in order to perform our Services. When you submit a project for review, or launch a project, you agree to these terms:
We can use the content you’ve submitted. You grant to us, and others acting on our behalf, the worldwide, non-exclusive, perpetual, irrevocable, royalty-free, sublicensable, transferable right to use, exercise, commercialize, and exploit the copyright, publicity, trademark, and database rights with respect to your Content.
When we use the content, we can make changes, like editing or translating it. You grant us the right to edit, modify, reformat, excerpt, delete, or translate any of your Content.
You won’t submit stuff you don’t hold the copyright for (unless you have permission). Your Content will not contain third-party copyrighted material, or material that is subject to other third-party proprietary rights, unless you have permission from the rightful owner of the material, or you are otherwise legally entitled to post the material (and to grant GEH all the license rights outlined here).
Any royalties or licensing on your Content are your responsibility. You will pay all royalties and other amounts owed to any person or entity based on your Content, or on GEH hosting of that Content.
You promise that if we use your Content, we’re not violating anyone’s rights or copyrights. If GEH or its users exploit or make use of your submission in the ways contemplated in this agreement, you promise that this will not infringe or violate the rights of any third party, including (without limitation) any privacy rights, publicity rights, copyrights, contract rights, or any other intellectual property or proprietary rights.
You’re responsible for the stuff you post. All information submitted to the Site, whether publicly posted or privately transmitted, is the sole responsibility of the person from whom that content originated.
We’re not responsible for mistakes in your content. GEH will not be liable for any errors or omissions in any content.

10. GEH Intellectual Property
The content on GEH is protected in various ways. You do have the right to use it for certain personal purposes, but you can’t use it for anything commercial without getting permission first.
GEH Services are legally protected in various ways, including copyrights, trademarks, service marks, patents, trade secrets, and other rights and laws. You agree to respect all copyright and other legal notices, information, and restrictions contained in any content accessed through the Site. You also agree not to change, translate, or otherwise create derivative works of the Service.
GEH grants you a license to reproduce content from the Services for personal use only. This license covers both GEH own protected content and user-generated content on the Site. (This license is worldwide, non-exclusive, non-sublicensable, and non-transferable.) If you want to use, reproduce, modify, distribute, or store any of this content for a commercial purpose, you need prior written permission from GEH or the relevant copyright holder. A “commercial purpose” means you intend to use, sell, license, rent, or otherwise exploit content for commercial use, in any way.

11. Deleting Your Account
You can delete your account at any time. Deleting your account won’t make content you’ve already posted go away.
You can terminate your account at any time. All provisions of this agreement survive termination of an account, including our rights regarding any content you’ve already submitted to the Site. (For instance, if you’ve launched a project, deleting your account will not remove the project from the Site.)

12. Our Rights
To operate, we need to be able to maintain control over what happens on our website. So in this section, we reserve the right to make decisions to protect the health and integrity of our system. We don’t take these powers lightly, and we only use them when we absolutely have to.
GEH reserves these rights:
We can make changes to the GEH Site and Services without notice or liability.
We have the right to decide who’s eligible to use GEH. We can cancel accounts or decline to offer our Services. (Especially if you’re abusing them.) We can change our eligibility criteria at any time. If these things are prohibited by law where you live, then we revoke your right to use GEH in that jurisdiction.
We have the right to cancel any pledge to any project, at any time and for any reason.
We have the right to reject, cancel, interrupt, remove, or suspend any project at any time and for any reason.
GEH is not liable for any damages as a result of any of these actions, and it is our policy not to comment on the reasons for any such action.

13. Warranty Disclaimer
We work hard to provide you with great services, but we can’t guarantee everything will always work perfectly. This site is presented as-is, without warranties.
You use our Services solely at your own risk. They are provided to you “as is” and “as available” and without warranty of any kind, express or implied.

14. Indemnification
If you do something on GEH that winds up getting us sued, you have to help defend us.
If you do something that gets us sued, or break any of the promises you make in this agreement, you agree to defend, indemnify, and hold us harmless from all liabilities, claims, and expenses (including reasonable attorneys’ fees and other legal costs) that arise from or relate to your use or misuse of GEH. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to this indemnification clause, in which case you agree that you’ll cooperate and help us in asserting any defenses.

15. Limitation of Liability
If something bad happens as a result of your using GEH, we’re not liable (beyond a small amount).
To the fullest extent permitted by law, in no event will GEH, its directors, employees, partners, suppliers, or content providers be liable for any indirect, incidental, punitive, consequential, special, or exemplary damages of any kind, including but not limited to damages  resulting from your access to, use of, or inability to access or use the Services; for any lost profits, data loss, or cost of procurement or substitute goods or services; or for any conduct of content of any third party on the Site. In no event shall GEH liability for direct damages be in excess of (in the aggregate) five hundred U.S. dollars ($500.00).

16. Dispute Resolution and Governing Law
We’re located in Hong Kong, and any disputes with us have to be handled in Hong Kong under Hong Kong law.
We at GEH encourage you to contact us if you’re having an issue, before resorting to the courts. In the unfortunate situation where legal action does arise, these Terms (and all other rules, policies, or guidelines incorporated by reference) will be governed by and construed in accordance with the laws of Hong Kong, without giving effect to any principles of conflicts of law, and without application of the United Nations Convention of Controls for International Sale of Goods. You agree that GEH and its Services are deemed a passive website that does not give rise to jurisdiction over GEH or its parents, subsidiaries, affiliates, assigns, employees, agents, directors, officers, or shareholders, either specific or general, in any jurisdiction other than of Hong Kong. You agree that any action at law or in equity arising out of or relating to these Terms, or your use or non-use of GEH, shall be filed only in the state or federal courts located in Hong Kong, and you hereby consent and submit to the personal jurisdiction of these courts for the purposes of litigating any such action. You hereby irrevocably waive any right you may have to trial by jury in any dispute, action, or proceeding.

17. The Rest
These are our official terms and our rules for how things work. (So if you ever see confusing or conflicting information about any of this stuff, just check these terms — they’re the last word.) Thanks so much for reading them, and for using GEH!
These Terms and the other material referenced in them are the entire agreement between you and GEH with respect to the Services. They supersede all other communications and proposals (whether oral, written, or electronic) between you and GEH with respect to the Services and govern our future relationship. If any provision of these Terms is found to be invalid under the law, that provision will be limited or eliminated to the minimum extent necessary so that the Terms otherwise will remain in full force and effect and enforceable. The failure of either you or GEH to exercise any right provided for in these Terms in any way won’t be deemed a waiver of any other rights.

These Terms are personal to you. You can’t assign them, transfer them, or sublicense them unless you get GEH prior written consent. GEH has the right to assign, transfer, or delegate any of its rights and obligations under these Terms without your consent. GEH will provide you notice via email, written notice, or by conspicuously posting the notice on our Site.

Last updated: October 2016
In the media, the terms crowdinvesting and crowdfunding are often used synonymously. Even though both are similar ways of financing, they differ greatly in some aspects. Both refer to financing by the crowd.

Crowdinvesting (Equity-based Crowdfunding)
Crowdinvesting is equity-based crowdfunding. In the case of equity-based crowdfunding – the type used on GEH – users invest in a start-up, growing Company or Real Estate and receive shares and/or interest rate in return. Investors become shareholders and benefit from the profits of the Company and from the possible sale of the Company to a large investor (also called “exit”).
There are many different motivations to participate in equity-based crowdfunding. While some people simply want to support a good idea and its implementation, other microinvestors primarily focus on financial aspects, especially participation in the sale of the company.
In a very general sense, it was not possible for private individuals to invest in start-ups in the early stage before equity-based crowdfunding was introduced. This has now changed because of equity-based crowdfunding on GEH. Equity-based crowdfunding also enables private individuals to participate in start-ups by means of small (or large) investments.

In the case of traditional crowdfunding, users receive no shares in a start-up but a symbolic return, for instance a CD.
Crowdfunding is (still) more widely known than equity-based crowdfunding. This is simply due to the fact that this phenomenon has existed for a longer time. To be precise, it has always existed.
In the case of crowdfunding, people cooperate to finance a specific project, which is usually charitable or artistic and probably would not have been realized without the crowd. If there is a return in the case of crowdfunding, it is non-monetary. Thus, crowdfunding may be compared to a kind of donation. People help other people realize a project and are motivated by altruism.
To be precise, composers such as Mozart and Beethoven already used crowdfunding to finance their concerts and compositions – by means of a priori subscriptions that offered donors exclusive access to the works as a reward.
At the beginning of this millennium, crowdfunding platforms  which can be used by fans to support their favorite artists in exchange for CDs or access to exclusive concerts, came into public focus.
Investments in crowdfunding projects offer great opportunities, but they are risk investments. In the worst case, the entire investment amount may be lost. Consequently, these investments are unsuitable for retirement plans. However, there is no obligation to make further contributions. Investors can minimize their risk by splitting their investment amount between crowdfunding campaigns rather than investing all of it in one crowdfunding campaign. Professional investors often follow this strategy because it causes the risk to be distributed among several investments. In this way, successful investments can balance other less successful investments.
The shares of the Companists are subordinated profit-participating loans (partiarische Nachrangdarlehen). Such loans are shares in a business with similar characteristics as equity. If the company becomes insolvent or is liquidated, the claims of the Investors – just like those of all other shareholders of the company – will be satisfied from the assets in the insolvency or the assets in liquidation only after the claims of all other external creditors have been satisfied. Thus, Investors are treated like any other shareholder of the company during insolvency or liquidation proceedings.
The company information published on the GEH website is provided solely by the companies. The projections made by the companies do not guarantee successful development of the company in the future. Consequently, crowdfunding investments are suitable only for those investors who can cope with the risk of a total loss of the capital invested. Investors make their own independent investment decisions and bear all risks themselves.
The investments are provided and issued by the individual companies. GEH is neither the provider nor the issuer of the investments, but solely the internet service platform.

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