Last updated: April 2026 — The short version: we help you compare, you make the decisions.
TL;DRWe help internationals compare services in Germany. Free to use, no account needed.
ExpatNav ("we", "us", "our") operates expatnav.com — a free comparison platform for financial products and services relevant to internationals moving to or living in Germany. By accessing or using our website, you agree to these Terms of Service. If you disagree with any part, please discontinue use.
TL;DRWe compare services and provide guides. We're not lawyers, insurance brokers, or financial advisors.
We provide comparison tables, eligibility filters, cost calculators, and editorial guides to help you make informed decisions. We are an information service — not a licensed financial advisor, insurance broker, immigration consultant, or legal professional. Our content is for informational purposes only and should not be treated as professional advice. Always verify information with official sources and consult qualified professionals for your specific situation.
TL;DRWe verify data quarterly and fix errors within 48 hours. But providers change things — always double-check.
We strive to keep all provider data, pricing, and eligibility information accurate and up to date. Our data is verified on a quarterly cycle, and reported errors are corrected within 48 hours. However, providers may change their terms, pricing, or eligibility criteria at any time without notice to us. We cannot guarantee that every detail is current at the moment you view it. Before making any financial decision, confirm the current terms directly with the provider.
TL;DRSome links earn us commission. This never influences our rankings — we include non-affiliate providers too.
ExpatNav earns revenue through affiliate partnerships. When you click certain links and sign up for a service, we may receive a commission at no extra cost to you. This is how we keep the platform free. Our editorial independence is non-negotiable: rankings are based on our published methodology (total cost 40%, features 25%, user reviews 20%, eligibility 15%). We include providers regardless of whether they have an affiliate relationship with us. See our full affiliate disclosure for details.
TL;DRUse our site for personal research. Don't scrape, spam, or pretend to be us.
You may use ExpatNav for personal, non-commercial research. You agree not to: scrape, copy, or redistribute our content or data without written permission; use automated tools to access our site in a way that impacts performance; impersonate ExpatNav or create confusion about affiliation; submit fake reviews or manipulate our platform; attempt to gain unauthorized access to our systems. We reserve the right to restrict access to users who violate these terms.
TL;DRShare honest experiences. We moderate reviews but don't verify every claim.
ExpatNav allows users to submit reviews of providers. By submitting a review, you confirm it reflects your genuine experience, grant us a non-exclusive license to display and use the review on our platform, and understand we may moderate, edit for clarity, or remove reviews that violate our guidelines. We do not verify every factual claim in user reviews. Reviews represent individual experiences and may not reflect typical outcomes. We hash IP addresses for spam prevention but do not publicly associate reviews with personal data.
TL;DRWe provide information as-is. We're not liable for decisions you make based on our content.
ExpatNav is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our platform or reliance on our content. This includes but is not limited to: financial losses from provider sign-ups, inaccurate eligibility information, service interruptions, or third-party actions. Our total liability shall not exceed the amount you paid us (which is zero, since ExpatNav is free). This does not affect your statutory rights under German or EU consumer protection law.
TL;DROur content, design, and brand are protected. Provider logos belong to their respective owners.
All original content, including text, graphics, design, code, and the ExpatNav brand, is protected by copyright and intellectual property laws. Provider names, logos, and trademarks belong to their respective owners and are used on ExpatNav for identification purposes only. You may share links to our content but may not reproduce, modify, or distribute our materials without written permission.
TL;DRWe may update these terms. German law applies. EU dispute resolution is available.
We may update these Terms from time to time. Material changes will be reflected in the "Last updated" date. Continued use after changes constitutes acceptance. These Terms are governed by the laws of the Federal Republic of Germany. The European Commission provides an online dispute resolution platform at ec.europa.eu/consumers/odr. We are neither obligated nor willing to participate in dispute resolution proceedings before a consumer arbitration board.
We believe in plain language. If anything here is unclear, reach out — we're happy to explain.