General Terms and Conditions (T&C)
Last Updated: December 2025
These Terms and Conditions apply to all memberships, events, digital offerings, community access, and other services provided by Cosmopolitan Business Club (CBC).
By registering, booking, participating, or using CBC services, the member agrees to the respective valid version of the contract.
Cosmopolitan Business Club (CBC)
Represented by: Güney Yogurtçu
Location: Berlin, Germany
Email:
info@cosmopolitanbusinessclub.com
CBC is fully responsible for membership management, payments, bookings, and subscriptions.
CBC offers the following membership tiers:
Conditions of the 10 x Xchange Events Package
With the "10 x Xchange Event Access Package" you receive access to a total of 10 events of the Xchange event series (VibeXchange, EstateXchange, MediaXchange and BusinessXchange). The package can be used flexibly and is not tied to a specific person, provided this is communicated in advance.
The package includes 10 single accesses. Each use counts as one access, regardless of whether it refers to a VibeXchange, EstateXchange, MediaXchange or BusinessXchange event.
One-time Systempauschale Set Up Fees:
Included Services (depending on membership level):
The specific scope of services is determined by the membership selected at the time of contract conclusion. CBC reserves the right to adjust the event portfolio, tour offerings, and consulting services.
There is no entitlement to specific contacts, business success, cooperations, or income.
Membership becomes active only after successful payment processing through Stripe.
Note: The Systempauschale Set Up Fee must be transferred separately. You will receive a separate payment link.
Membership fees, event tickets, seminar or participation fees are non-refundable.
This applies explicitly in the following cases:
Services that have already been provided or made available are excluded from any refund.
No Right of Withdrawal
There is no statutory right of withdrawal for CBC memberships.
According to § 312g Para. 2 No. 9 BGB (German Civil Code), the right of withdrawal is excluded for contracts for the provision of services in the leisure sector if the contract provides for a specific date or performance period.
By confirming your membership, you expressly agree that services begin immediately and the right of withdrawal is excluded.
Access to the Cosmopolitan Business Club network is a privilege, not a right.
There is no entitlement to:
CBC reserves the right to decide network access at its sole discretion.
CBC events serve social interaction, trust-building, and personal exchange.
They are not business platforms, pitch venues, or sales events.
In particular, the following are prohibited:
Members are expressly prohibited from concluding, agreeing upon, or initiating their own deals, bookings, or reservations directly with the respective locations or venues made available by CBC in the context of its events. This applies in particular to the initiation of direct business arrangements with the venue outside the CBC organization, as well as any other independent use of the venues that is not connected to CBC.
A breach of this prohibition leads to the immediate exclusion of the member from the Cosmopolitan Business Club. A prior warning is expressly waived in this case. There is no claim to a refund of fees or tickets already paid in this case.
Notwithstanding the foregoing, members of the membership tier CBC Business Authority are expressly permitted to conduct an event jointly with CBC (Co-Branded Event). However, the execution of such a joint event takes place exclusively through CBC; all bookings, contract conclusions, and arrangements with the venue must be handled entirely through CBC. A direct contractual or business relationship between the member and the venue is not permitted in this case either.
Each member is personally and independently responsible for keeping themselves informed about upcoming events, dates, changes and cancellations. The current event calendar can be viewed via our platform on Luma (luma.com) as well as via our website (cosmopolitanbusinessclub.com).
CBC is not obliged to inform members individually, personally or separately about events, date changes, cancellations, rescheduling or other changes. There is no obligation to remind, notify or invite members.
If a member misses an event because they did not follow the event calendar, this does not give rise to any claims against CBC – in particular no claim for refund, compensation, rescheduling or credit.
It is the member's responsibility to check the above-mentioned channels regularly and to register for events in good time where registration is required.
To protect the integrity of the network, the following strict rules apply:
❌ Inviting participants to external WhatsApp, Telegram, or other messenger groups
❌ Sharing group links or QR codes
❌ Statements like "text me, I'll invite you"
❌ Creating parallel communities, groups, or distribution lists based on CBC events
❌ Using CBC events to recruit for third-party networks
These rules apply before, during, and after events.
In case of violations of these Terms and Conditions – particularly the network and conduct rules – the following sanctions apply:
A material reason entitling CBC to terminate the membership with immediate effect and/or to exclude the member occurs in particular if the member:
Termination or exclusion for material reason does not affect claims of CBC that have already arisen and become due.
In severe cases, exclusion may occur immediately and without prior warning ("silent exclusion").
During membership and for 12 months after termination, members are prohibited from:
In case of breach, a contractual penalty of at least €5,000 applies.
Further damage claims remain unaffected.
CBC is not liable for:
Liability for intent or gross negligence remains unaffected.
Where CBC organises an event or a roundtable for a member, or carries out marketing, sales or qualification measures, or setting or closing services for a member, CBC assumes no liability for the service quality and for the services offered and their implementation.
Liability is excluded in particular for:
The provision of these services does not constitute a guarantee of success. CBC owes only the organisational or advisory activity, but not a specific business outcome.
Personal data is processed in accordance with GDPR.
Privacy Policy: www.cosmopolitanbusinessclub.com/en/privacy-policy
Contact: info@cosmopolitanbusinessclub.com
By entering into a CBC membership, the member expressly consents that the following contact data may be shared with other CBC members:
This data sharing serves exclusively to promote networking, business exchange, and community interaction within the Cosmopolitan Business Club.
The member further consents that other members or CBC itself may send requests to participate in WhatsApp groups. Participation in such groups is voluntary.
This consent applies for the duration of the membership. The member may object to data sharing at any time by sending an email to: info@cosmopolitanbusinessclub.com. In the event of an objection, the contact data will no longer be actively shared with other members; however, sharing that has already occurred shall remain unaffected.
By participating in CBC events, meetings, or activities, all participants automatically grant their consent to photography, videography, and audio recording.
Consent & Usage Rights
Participants grant CBC a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to use, reproduce, edit, distribute, and display photographs, videos, and audio recordings taken during CBC events for:
Participants waive any claims to attribution, compensation, or approval for CBC's use of their image or likeness. This includes commercial use, advertising campaigns, and public distribution.
Transfer of All Rights upon Registration & Participation
By registering for an event as well as by participating in an event, visitors and members irrevocably and comprehensively relinquish all rights to photos and videos taken of their person in the context of Cosmopolitan Business Club events.
If you do not wish to be photographed or recorded, please inform CBC staff at the event entrance. CBC will make reasonable efforts to honor such requests, although complete exclusion from all visual content at public events cannot be guaranteed.
By entering CBC venues or virtual events, you accept these terms.
CBC reserves the right to modify these Terms and Conditions at any time.
The current version is available at: www.cosmopolitanbusinessclub.com/en/terms-and-conditions
German law applies.
Place of jurisdiction is Berlin – Amtsgericht Charlottenburg.
By registering for CBC events, participants automatically agree to the following conditions:
Contact regarding Memberships
Participants expressly accept that Cosmopolitan Business Club may contact them regarding membership offers and options. This includes:
Feedback Requests
Participants further agree that Cosmopolitan Business Club may contact them regarding feedback on events. This includes:
This consent applies for the duration of membership and up to 24 months after the last event participation. Contact will be made in accordance with applicable data protection regulations (GDPR).
Revocation: Consent to contact can be revoked at any time by sending an email to: info@cosmopolitanbusinessclub.com
By participating in CBC events and/or entering into a CBC membership, participants/members expressly consent to their contact data being shared with Finom Bank (PNL Fintech B.V., Finom Payments B.V., and affiliated companies) for the purpose of advertising and offering services.
For services provided by PNL Fintech B.V. under its trading name "Finom" and for services directly provided by Finom Payments B.V. to customers in Germany.
Jachthavenweg 109H
1081KM Amsterdam, Netherlands
Contact:
Email: hello@finom.co
Represented by: Andrei Petrov, Alessandro
Camilott
Advisory Board Members: Konstantin Stiskin,
Peter de Caluwe, Frank Stockx, Sanjot Malhi and Warda
Shaheen
Registration:
Registered office: Amsterdam, Netherlands.
Registered in the Dutch Chamber of Commerce (KVK/CCI) under
number: 74178784
VAT Identification Number: NL859799189B01
PNL Fintech B.V. does not participate in dispute resolution
procedures before consumer arbitration bodies.
https://ec.europa.eu/consumers/odr
Jachthavenweg 109H
1081KM Amsterdam, the Netherlands
Contact:
Email: hello@finom.co
Represented by: Sergey Petrov, Martin van
Oyen, Sergey Baymakov, Kseniia Kutyreva and Alessandro
Camilott
Advisory Board Members: Petrov Andrei,
Evgeniia Zavalishina, Stefan Verbaarschott
Registration:
Registered in the Dutch Chamber of Commerce under number
(KVK/CCI): 78680751
VAT Identification Number: NL861492778B01
LEI: 7245008GWLPQCA1S1726
Finom Payments BV is an e-money institution authorized by the
Dutch Central Bank (De Nederlandsche Bank N.V.; DNB),
registered in the DNB Central Register under number R180074,
and therefore authorized to conduct the business of an e-money
institution within the meaning of Article 2:10a of the Dutch
Financial Supervision Act (Wet op het financieel toezicht),
including the provision of payment services (betaaldiensten)
1, 2, 3, 5, 7 and 8 pursuant to Annex I of the Revised Payment
Services Directive (PSD2). Within the scope of this license,
FINOM PAYMENTS may provide the licensed services in the
Netherlands and - through its passporting rights - in other EU
member states, whether or not through a payment service
provider. Finom Payments BV offers its services in Germany
under the above-mentioned license on a cross-border basis
within the framework of PSD2.
c/o Spaces Greifswalder Str. 226
10405 Berlin, Germany
Contact:
Email: hello@finom.co
Represented by: Sergey Petrov, Martin van
Oyen, Sergey Baymakov, Kseniia Kutyreva and Alessandro
Camilott
Registration:
Registered in the commercial register of the Charlottenburg
District Court (Berlin) under HRB 251483 B
VAT Identification Number: NL861492778B01
The purpose of the branch is exclusively the administrative
and infrastructural support of the company's business
activities in Germany for the provision of payment services.
Münzstraße 12,
10178 Berlin, Germany
Contact:
Email: hello@finom.co
Represented by: Aleksei Goncharenko and Oleg
Laguta
Registration:
Registered in the commercial register of the
Berlin-Charlottenburg District Court under number HRB 273758
B.
Finom Growth GmbH operates in the field of credit
intermediation within Germany. It has been granted a permit by
the Berlin-Mitte District Office pursuant to § 34c GewO
(Gewerbeordnung) for the following activities: Mediation or
examination of possibilities for entering into credit
agreements, excluding those pursuant to § 34i Paragraph 1
Sentence 1 GewO.
Jachthavenweg 109H, 1081KM, Amsterdam, Netherlands
Contact:
Email: hello@finom.co
Represented by: Martin van Oyen and Aleksei
Goncharenko
Registration:
Registered with the Dutch Chamber of Commerce under number
(KVK/CCI) 96768010
VAT Identification Number (USt-IdNr.) pursuant to § 27a UStG:
NL867755994B01
Finom Growth B.V. operates in the field of credit
intermediation within the Netherlands.
Münzstraße 12,
10178 Berlin, Germany
Contact:
Email: hello@finom.co
Represented by: Ivo Dimitrov
Registration:
Registered in the commercial register of the
Berlin-Charlottenburg District Court under number HRB 272840
B
VAT Identification Number (USt-IdNr.) pursuant to § 27a UStG:
DE454937590.
Finom Autonumerus GmbH offers Finom customers within Germany
services for transmitting tax data.
As service providers, we are responsible for our own content on these pages in accordance with general law pursuant to § 7 Para. 1 TMG. However, pursuant to §§ 8 to 10 TMG, we as service providers are not obligated to monitor transmitted or stored external information or to investigate circumstances that indicate illegal activity. Obligations to remove or block the use of information under general law remain unaffected. However, liability in this regard is only possible from the time of knowledge of a specific legal violation. Upon becoming aware of such legal violations, we will remove this content immediately.
Our offer contains links to external third-party websites, the content of which we have no influence on. Therefore, we cannot assume any liability for these external contents. The respective provider or operator of the pages is always responsible for the content of the linked pages. The linked pages were checked for possible legal violations at the time of linking. Illegal content was not recognizable at the time of linking. Permanent monitoring of the content of the linked pages is not reasonable without concrete evidence of a legal violation. Upon becoming aware of legal violations, we will remove such links immediately.
The content and works created by the site operators on these pages are subject to copyright. Duplication, editing, distribution, and any kind of utilization outside the limits of copyright require the written consent of the respective author or creator. Downloads and copies of this page are only permitted for private, non-commercial use. Insofar as the content on this page was not created by the operator, the copyrights of third parties are observed. In particular, third-party content is marked as such. Should you still become aware of a copyright infringement, we request that you give us appropriate notice. Upon becoming aware of legal violations, we will remove such content immediately.
Participants/members expressly consent to Finom Bank (and affiliated companies of the Finom Group) contacting them for the purpose of advertising and offering services, namely:
This consent applies for the duration of membership and up to 36 months after termination of membership or the last event participation. Contact will be made in accordance with applicable data protection regulations (GDPR).
Revocation: Consent to contact by Finom Bank can be revoked at any time by sending an email to: hello@finom.co
If you have any questions about these Terms and Conditions, please contact us.
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