These terms govern the use of browsepublicfinance.com. They are written to be read. Where a sentence carries a German statutory right, the German term is given in brackets so you can look it up.
1. Scope
These terms apply between you and Jakob Puosi, Kerschensteinerstraße 44, 82166 Gräfelfing, Germany (“we”, “us”) for every use of browsepublicfinance.com — as a visitor without an account, as the holder of a free account and as a subscriber. Your own terms and conditions do not apply unless we have agreed to them in text form.
These terms are available in English and in German; both versions say the same, and both languages are available for concluding the contract.
2. What the service is
We publish one briefing each morning in English, built from documents that central banks, statistical offices, supervisors and regulators, finance ministries and international financial institutions published since the previous briefing. Alongside it we provide a searchable archive of past briefings and a search across the collected material. Every item links the document it is built from.
The briefing is written in English; where a translation exists, it is also available in German. There is no claim to a particular language version at a particular time.
3. No promise of availability or completeness
We owe no particular level of availability. Maintenance, failures at the sources, outages at our hosting provider and interruptions of the public feeds we read can all stop the service, in part or in whole.
We also promise no completeness. We do not undertake that every publication of every institution appears, that a briefing appears on any particular day, that a source stays in the set, or that the archive covers any given period. Which institutions we read is our editorial decision and it changes.
4. Automated texts — the original document prevails
The briefings are produced with automated processing, including language models. They can be wrong, incomplete or out of date, and they can misread a figure that is printed clearly in the source. This is why every item links its original.
Where our text and the original document differ, the original document of the issuing institution is authoritative. Check figures, dates, quotations and the direction of a decision against it before you rely on them. Our text is a way into the document, not a substitute for it.
5. No investment advice
The service is information. It is not investment advice, not investment research, not a recommendation, not an offer and not a solicitation to buy, sell or hold any financial instrument, and it is not tailored to your circumstances, your holdings or your objectives. We are not licensed as an investment firm, adviser, broker or rating agency, and we do not act as one.
Any decision you take after reading is your own. This is the same notice that stands at the head of every briefing page; here it is part of the contract.
6. Account and credentials
An account requires a valid email address. You enter the address in the form for creating an account, we send a confirmation link to it, and the account stays inactive until you have followed that link. The contract for the free account is concluded with that confirmation. An account is personal: it is for one person, and access must not be shared or passed on. Choose a password you use nowhere else, keep it to yourself, and tell us if you believe someone else has it.
You can delete your account at any time; what happens to your data is set out in the privacy policy. We may suspend or close an account that is used in breach of these terms, and we will say why.
7. Access levels
Three levels, and the difference between them is how recent the material is:
| Level | What it sees |
|---|---|
| Without an account | The landing page, the search and every briefing older than 30 days; newer ones as a preview |
| Free account | Additionally every briefing except the 7 most recent ones |
| Subscription | Everything, including the current week and today's briefing, and the personal ordering |
The 7 most recent are counted as briefings, not as calendar days: a day on which no briefing appeared does not use one up. The 30-day mark in the first row, by contrast, is calendar days.
8. Prices and payment
| Plan | Price |
|---|---|
| Monthly | €29 per month |
| Annual | €290 per year |
These are consumer prices, and they are what we intend to charge. There is no checkout yet, so no subscription can currently be taken out and nothing is charged. When subscriptions open, VAT will be included where it applies; because the seller will be a merchant of record (section 9), the checkout will show you the price and the tax of your own country before you pay, and payment will be due in advance for each period, by the means of payment offered there.
We may change the price of the service for future periods. A change is announced at least 30 days before the period it applies to, by a notice on the site shown to every signed-in subscriber, and it never applies to a period you have already paid for.
9. Who sells the subscription
Subscriptions are not open yet, and no payment provider is engaged. When they open, the subscription will be sold by a payment provider as merchant of record. That means: the provider will be the seller, will conclude the purchase contract with you, issue the invoice, collect the payment and declare and remit the value added tax. We will name it here and in the legal notice before the first subscription can be taken out.
The consequence is worth stating in advance. These terms govern your use of the service; the purchase contract for a subscription will be between you and the merchant of record, and its own terms will apply to payment, invoicing, refunds and chargebacks. We owe you the service; the seller owes you the commercial side of the transaction. Payment data will be entered in the provider's own payment window and will never reach our server.
10. Term, renewal and cancellation
A monthly subscription runs for one month, an annual one for one year. Each renews for the same period unless it is cancelled. You can cancel at any time with effect from the end of the current period; access stays until then, and nothing is charged after it.
There is a cancellation button (Kündigungsbutton, § 312k BGB) on the site: directly reachable, permanently available, without a login maze. You may also cancel by email to jpuosi@gmail.com, and once a payment provider is engaged its own customer portal will work too. We confirm every cancellation in text form and state the date on which it takes effect. Statutory termination rights, including termination for cause, remain unaffected.
11. When a payment fails
This section applies from the moment subscriptions open; until then there is no payment that could fail.
An expired card is not a wish to cancel, and we do not treat it as one. If a payment fails, paid access continues for 7 days and we show a notice. If payment has still not arrived after that, the account falls back to the free level.
A downgrade never deletes data. Your account and its settings stay exactly as they are; what ends is access to the current week. When payment goes through, the paid level returns with everything in place.
12. Copyright and permitted use
The source documents are public and belong to the institutions that published them; we claim no rights in them. The briefings and the summaries are our own work and are protected by copyright.
You may read, print and archive them for yourself and inside your organisation, and you may quote from them with attribution and a link. Without our consent in text form you may not: republish or systematically redistribute them, resell them or make them part of a paid product, share your credentials, or retrieve the site by automated bulk requests — crawling, scraping or mirroring — beyond ordinary reading and beyond ordinary indexing by a search engine. We may block technical access that puts the service at risk, and we will say so when we do.
13. Liability
We are liable without limitation for intent and gross negligence, for injury to life, body or health, under the German Product Liability Act (Produkthaftungsgesetz), and where we have given a guarantee.
For slight negligence we are liable only for the breach of an essential contractual obligation (Kardinalpflicht) — an obligation whose fulfilment makes the proper performance of this contract possible in the first place and on whose observance you may regularly rely — and in that case only for the foreseeable damage typical of this kind of contract. Any further liability is excluded.
This applies in particular to decisions taken on the basis of our texts, to errors in an automated summary and to any period in which the service was not available (sections 3 to 5).
14. Changes to these terms
We may amend these terms where an amendment is necessary because of a change in the law, in the case law of the highest courts, in regulatory requirements, in the service itself or in the way it is paid for, and where the amendment does not shift the balance of the contract to your disadvantage. The main obligations under this contract and the price are excluded from this — the price changes only by the route set out in section 8, and never for a period you have already paid for.
We will announce any amendment at least 30 days before it takes effect, by a notice on the site shown to every signed-in account holder, and we will mark what changes. If you object before that date, the contract continues on the previous terms until the end of the current period, and either side may terminate it as of that date. If you do not object, your consent is deemed given when that period ends and the amended terms apply from that date. We will point out the right to object, the period and this consequence separately in the announcement.
15. Applicable law and jurisdiction
German law applies, to the exclusion of the UN Convention on Contracts for the International Sale of Goods. If you are a consumer with your habitual residence in another country, the mandatory consumer protection provisions of that country remain unaffected — this choice of law does not take away any protection you have there.
If you are a merchant, a legal person under public law or a special fund under public law, the courts at our place of business have exclusive jurisdiction. Consumers may sue and be sued at the courts the law provides.
Last updated: 2026-09-03.