Terms and Conditions of Use


1.1    These terms and conditions shall govern your use of our website.

1.2    By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

1.3    If you register with our website, submit any material to our website or use any of our website services, we will ask you to expressly agree to these terms and conditions.

Copyright notice

2.1    Subject to the express provisions of these terms and conditions:

(a)    we, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website; and

(b)    all the copyright and other intellectual property rights in our website and the material on our website are reserved.

Licence to use website

3.1    You may:

(a)    view pages from our website in a web browser;

(b)    download pages from our website for caching in a web browser;

(c)    print pages from our website;

(d)    use our website services by means of a web browser, subject to the other provisions of these terms and conditions.

3.2    Except as expressly permitted by Section 3.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.

3.3    You may only use our website for your own personal and business purposes, and you must not use our website for any other purposes.

3.4    Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.

3.5    Unless you own or control the relevant rights in the material, you must not:

(a)    republish material from our website (including republication on another website);

(b)    sell, rent or sub-license material from our website;

(c)    show any material from our website in public;

(d)    exploit material from our website for a commercial purpose; or

(e)    redistribute material from our website.

3.6    We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.

Acceptable use

4.1    You must not:

(a)    use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website;

(b)    use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;

(c)    use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;

(d)    conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;

(e)    access or otherwise interact with our website using any robot, spider or other automated means; or

(g)    use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).

4.2    You must not use data collected from our website to contact individuals, companies or other persons or entities.

Registration and accounts

5.1    To be eligible for an individual account on our website under this Section 6, you must be at least 16 years of age.

5.2    You may register for an account with our website by completing and submitting the account registration form on our website, and clicking on the verification link in the email that the website will send to you.

5.3    You must notify us in writing immediately if you become aware of any unauthorised use of your account.

User login details

6.1    If you register for an account with our website, you will be asked to choose a user ID and password.

6.2    You should keep your password confidential.

6.3    You are responsible for any activity on our website arising out of any failure to keep your password confidential, and may be held liable for any losses arising out of such a failure.

Cancellation and suspension of account

7.1    We may:

(a)    cancel your account; and/or

(b)    edit your account details,

at any time in our sole discretion without notice or explanation.

7.2    You may cancel your account on our website [using your account control panel on the website].

Limited warranties

8.1    We do not warrant or represent:

(a)    the completeness or accuracy of the information published on our website;

(b)    that the material on the website is up to date; or

(c)    that the website or any service on the website will remain available.

8.2    We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

8.3    To the maximum extent permitted by applicable law and subject to Section 12.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.

Limitations and exclusions of liability

9.1    We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

9.2    We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

9.3    We will not be liable to you in respect of any special, indirect or consequential loss or damage.

Breaches of these terms and conditions

10.1  Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may suspend or delete your account on our website.

10.2  Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).

Data usage and variation

11.1  We may revise these terms and conditions from time to time.

11.2  This domain is currently controlled by Roots of Impact GmbH, registered in Frankfurt, Germany. Roots of Impact GmbH reserves the right to use your contact details for marketing and research purposes. Roots of Impact GmbH agrees to not sell or release your data in any way to a third party, with the following exception:

11.3  Roots of Impact GmbH plans to pass control over this domain to a separate legal entity which will be responsible for operating the Social Finance Academy. Roots of Impact GmbH will transfer the registration data to this entity and inform you expressly per email before this takes place. If your wish is that your data is not transferred, you will be provided with a simple opt-out link in said email.

11.3  If you have given your express agreement to these terms and conditions, we will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions within such period as we may specify, we will disable or delete your account on the website, and you must stop using the website.


12.1  You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.

12.2  You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.


13.1  If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.

13.2  If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

14.1  Subject to Section 12.1, these terms and conditions shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.

Law and jurisdiction

15.1  These terms and conditions shall be governed by and construed in accordance with German law.

15.2  Any disputes relating to these terms and conditions shall be subject to the jurisdiction of the courts of Germany.

Statutory and regulatory disclosures

16.1  We are registered in Frankfurt, Germany; you can find the online version of the register at www.roots-of-impact.org, and our registration number is HRB101295.

16.2  Our VAT number is DE298788277.


17.1  This document was created using a template from SEQ Legal (http://www.seqlegal.com).



The content available on the Social Finance Academy is hosted and maintained by Roots of Impact GmbH based in Frankfurt am Main, Germany. Roots of Impact GmbH as well as potential successor organizations hosting the Social Finance Academy (collectively referred to as “Roots of Impact” herein) will treat personal data with the utmost care and strictly follow the latest data protection laws defined for Germany.

I. Data Usage and Protection

The Social Finance Academy will request, store and use certain personal data for purposes of (1) user registration and navigation within the platform, (2) content publication on the platform itself, (3) information to users about content news and special offers, and (4) neutralized statistical information for purposes of social finance market research. These personal data will not be disclosed to any parties outside Roots of Impact without the user’s explicit written consent, except to public authorities if mandatory and required by German law.

In specific, data under item (1) will be the user’s first and last name, email address and platform password. Relevant data under item (2) are log files, cookies and web analytic tools (see separate section II. “Log Files, Cookies and Web Analytics” below). In addition, Roots of Impact may use data that users provide voluntarily under item (2) when filling out their platform profiles or utilizing content items (e.g. entering courses, forums and using check tools). These data can be details about their educational backgrounds, personal comments, questions and opinions, proprietary texts and publications, or contact details and similar personal information. By providing these data, the user also consents to Roots of Impact processing this information for purposes of tracking the user’s learning progress achieved through the content provided by the website.

The purpose of storing and processing existing data is to allow for (a) a customized and user-friendly platform navigation, (b) information to users about further offerings to enhance their learning, and (c) ongoing improvement of the Academy’s content provision. An exchange of experiences among users, the buildup of an effective network and learning community as well as a targeted navigation across the entire content is at the core of the Social Finance Academy’s mission. Regarding item (3) above, Roots of Impact may therefore communicate with registered users by email to inform them about additional available or upcoming content that may fit their specific profile and learning needs. However, in no case will the user’s email address become visible to other users or to parties outside the platform. Once a user decides to unregister from the Social Finance Academy, his or her data will be made anonymous or pseudo-anonymous. With respect to item (4), Roots of Impact may use personal data for scientific research purposes, yet only in a neutralized form. This is to reflect general statistics and overall impact results achieved by the Social Finance Academy’s user community.

II. Log Files, Cookies and Web Analytics


This website uses so-called “cookies”. Cookies don’t cause harm to your computer and do not contain viruses. They serve to allow for a more user-friendly, effective and secure offering. Cookies are small text files that will be stored on your computer and saved in your browser. The majority of cookies used by this website are so-called “session cookies”. They are automatically being deleted following the end of the user’s session. Other cookies may remain stored on the user’s device until he or she deletes them. These cookies allow the website to recognize the user’s browser upon his or her next visit to the website. Each user is able to adjust the settings in his or her browser in a way that (i) informs him or her about new cookies, (ii) allows cookies only in pre-defined cases, (iii) excludes cookies in general, and (iv) deletes cookies automatically once the browser is closed. In case the user deactivates the use of cookies, the functionality of this website may be limited.


The provider of this website automatically requests and stores information in so-called “server log files”. This information is automatically provided by the user’s browser once he or she accesses the website. In specific, this information contains the user’s browser type and version, operating system, referrer URL, host name of the computer accessing the website, and time of the server request. This information, however, cannot be assigned to a specific person and will not be reconciled with other data sources. Roots of Impact reserves the right to check the information retroactively in case there are concrete reasons to assume a breach of law.

Web Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website will be transmitted to and stored by Google on servers in the United States. In case IP-anonymization is activated on this website, your IP address will be truncated within the area of Member States of the European Union or other parties to the Agreement on the European Economic Area. Only in exceptional cases the whole IP address will be first transferred to a Google server in the USA and truncated there. The IP-anonymization is active on this website. Google will use this information on behalf of the operator of this website for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing them other services relating to website activity and internet usage. The IP-address that your Browser conveys within the scope of Google Analytics, will not be associated with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. You can also opt-out from being tracked by Google Analytics with effect for the future by downloading and installing Google Analytics Opt-out Browser Add-on for your current web browser: http://tools.google.com/dlpage/gaoptout?hl=en.


For further questions regarding (i) the use of data by Roots of Impact as well as (ii) correcting, blocking, accessing or deleting personal user data, or (iii) revoking the consent to these terms and conditions, please feel free to contact info@roots-of-impact.org   Roots of Impact reserves the right to update these data protection terms and conditions whenever necessary. In case of amendments, Roots of Impact will inform all registered users and request their explicit consent to these changes.

As of November 2016