Terms of Service

1. Acceptance of terms

By accessing or using arcogmbh.org (the "Site"), operated by Arco VerrechnungsSysteme GmbH, Hindenburgstraße 23a, 21335 Lüneburg, Deutschland ("we", "us", "our"), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of the Site.

2. Nature of this website

This Site is an informational resource about medical factoring and healthcare receivables management concepts. We do not sell, broker, or process any financial product, service, or transaction through this Site. Nothing published here constitutes an offer to enter into a financing arrangement, an invitation to submit claims, or a contract of any kind.

3. No professional advice

Content on this Site is provided for general informational purposes only and does not constitute financial, legal, tax, or medical billing advice. You should not act or refrain from acting based on content found on this Site without seeking independent professional advice tailored to your specific circumstances.

4. Permitted use

You may view, download, and print material from this Site for personal, non-commercial reference. You may not reproduce, republish, or distribute Site content for commercial purposes without our prior written consent, and you may not use the Site in any way that could damage, disable, or impair it.

5. Intellectual property

The text, layout, graphics, and other original material on this Site are owned by or licensed to Arco VerrechnungsSysteme GmbH and are protected by applicable copyright and trademark law. The company name, logo, and "Arco VerrechnungsSysteme GmbH" mark may not be used without our prior written permission.

6. Third-party links and content

This Site may reference or link to third-party websites, including image sources, for illustrative purposes. We do not control and are not responsible for the content, accuracy, or availability of any third-party website.

7. Accuracy of information

We take reasonable care to keep information on this Site current and accurate, but we make no warranty, express or implied, that any content is complete, error-free, or suitable for a particular purpose. Regulations and industry practice relating to healthcare receivables can change, and you should verify any information before relying on it.

8. Limitation of liability

To the fullest extent permitted by applicable law, Arco VerrechnungsSysteme GmbH shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, this Site or reliance on its content. Nothing in these terms limits liability that cannot be excluded under mandatory German or European Union law, including liability for wilful misconduct or gross negligence.

9. Governing law

These Terms of Service are governed by the laws of the Federal Republic of Germany, without regard to conflict-of-law principles. The courts of Lüneburg, Germany, shall have jurisdiction over any dispute arising from these terms, to the extent permitted by law.

10. Changes to these terms

We may revise these Terms of Service from time to time. Updates take effect when published on this page, and the "last updated" date will reflect the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.

11. Contact

Questions about these Terms of Service can be sent to support@arcogmbh.org or Arco VerrechnungsSysteme GmbH, Hindenburgstraße 23a, 21335 Lüneburg, Deutschland.