Terms of Use — Condiktum

As of: April 2026 · Version 2.0

Translation for convenience only. The German version is the legally binding text.

1. Scope and Provider

These Terms of Use govern the use of the iOS application Condiktum, provided by:

Daniel Stengel-Dori
Ostendstr. 88, 60314 Frankfurt am Main
E-mail: support@medienkommission.de

By using the app, the user agrees to these Terms. The app is distributed worldwide via the Apple App Store; Apple's terms apply additionally (see § 12).

2. Service Description

Condiktum is an AI-powered tool for rephrasing banking and finance contract clauses. The app offers in particular:

• Clause rephrasing in seven jurisdiction styles (New York, Frankfurt, London, Hong Kong, Tokyo, Singapore, and plain English)
• Borrower/lender orientation adjustment via a five-step control
• Parallel generation of all five variants in a single request
• Clause analysis (“Tell Me”) with explanatory commentary
• Detection of Track Changes markup from photos using the Apple Vision API
• OCR text recognition from camera and photo library images
• Voice input for additional instructions and clause text
• Export as DOCX, PDF, and plain text

The app does not constitute legal advice. AI-generated outputs are text suggestions and do not replace professional legal review. The user bears sole responsibility for reviewing every output before use.

3. Subscription and Payment

Use of the AI features requires an active subscription managed via Apple ID in the App Store. This applies also to users who provide their own Anthropic API key (“BYOK”): providing a personal key does not replace the subscription but merely removes the provider’s monthly usage limit (see § 8).

The subscription renews automatically unless cancelled at least 24 hours before the end of the billing period via Apple ID settings. Upon expiry, AI features are suspended; data stored in iCloud remains accessible. All payments are processed by Apple; the provider does not receive payment information. The current price is displayed in the App Store.

4. Free Trial

New users may be offered a free trial period; duration and conditions are shown in the App Store. If the subscription is not cancelled before the trial expires, the regular subscription activates automatically.

5. Right of Withdrawal

Consumers within the meaning of applicable consumer protection law have the right to withdraw from the subscription contract within 14 days without stating reasons. The withdrawal period begins on the date the contract is concluded (purchase or activation of the trial period in the App Store).

Since the contract is concluded via the Apple App Store, Apple acts as the contracting party in this regard; withdrawal instructions and the request for consent to commence performance immediately are provided by Apple during the purchase process. Refund requests must be directed to Apple; for goodwill enquiries, please contact us at support@medienkommission.de.

6. AI-Generated Outputs — Disclaimer

Condiktum uses artificial intelligence (Anthropic Claude API). The user acknowledges and agrees that:

• AI-generated outputs may contain errors, omissions, ambiguities, fabricated references (“hallucinations”), or legally incorrect formulations
• generated clauses may include references to provisions or market conventions that are not applicable in the specific transaction
• the outputs do not constitute legal advice and must not be relied upon as such
• the user alone is responsible for reviewing, verifying, and approving all outputs before their use in legal documents
• the provider expressly excludes all warranties as to the legal correctness or fitness for purpose of AI-generated outputs

The app is not suitable for direct use in legal documents, legal proceedings, or transactions without prior comprehensive review by a qualified legal professional.

7. User Obligations

The user may not use the app for unlawful purposes and may not attempt to reverse-engineer or decompile it (statutory rights under applicable law remain unaffected). The user is responsible for the confidentiality of their access credentials and any API keys entered and must not submit content that infringes the rights of third parties. The user must ensure they are entitled to process any contract text submitted, in particular with regard to confidentiality and data protection obligations towards third parties.

8. Monthly AI Usage Budget

The subscription includes a monthly AI usage budget displayed within the app. When the budget is exhausted, AI functionality is temporarily unavailable until the next calendar month. Users may add their own Anthropic API key in Settings; use of such a key is governed by Anthropic’s own terms and prices and is at the user’s own expense.

The provider may adjust the budget with effect for future billing periods. An adjustment that materially shifts the agreed service balance to the user’s detriment will be announced at least 30 days in advance and entitles the user to terminate the subscription with immediate effect.

9. Limitation of Liability

The provider’s liability is, to the extent permitted by law, limited to intentional misconduct and gross negligence. In the event of a breach of material contractual obligations (cardinal obligations) through simple negligence, liability is limited to foreseeable, contract-typical damage. Liability for simple negligence is otherwise excluded. Liability under product liability law and for damages resulting from injury to life, body, or health remains unaffected.

The provider does not guarantee uninterrupted operation. Temporary interruptions due to maintenance, updates, or unavailability of the Anthropic API or Apple services do not constitute a breach of contract.

10. Data Protection

The processing of personal data is governed by the Privacy Policy. By using the app, the user confirms having taken note of it.

11. Amendments to these Terms

The provider reserves the right to amend these Terms with effect for the future. Material amendments will be communicated at least 30 days before taking effect via an in-app notice on the next app launch, which requires explicit re-acknowledgement before the app can continue to be used. The current version is available at any time within the app and at this link. If the user does not agree, they may cancel the subscription before the amendments take effect.

12. Apple Standard EULA

The Apple Standard EULA applies in addition. To the extent Apple’s Standard EULA governs the relationship between the user and Apple, Apple’s terms take precedence over these Terms.

13. Online Dispute Resolution

The European Commission provides a platform for online dispute resolution: https://ec.europa.eu/consumers/odr/. The provider is neither obligated nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

14. Severability

Should any provision be or become invalid, the remaining provisions shall remain in effect. The invalid provision shall be replaced by a valid provision that most closely reflects the economic purpose of the original.

15. Governing Law and Jurisdiction

These Terms are governed by German law, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). Consumers habitually resident in the EU additionally benefit from the mandatory consumer protection provisions of their country of residence (Art. 6(2) Rome I Regulation). Jurisdiction for merchants is Frankfurt am Main. The German version is the sole legally binding text.