Thanks so far!
Related to the company I will stick to the "Kleinunternehmerregelung" (small entrepreneur scheme) in germany. No taxes and only a simple in/out calculation as long as I stay below 17.500€/year.
The withjack insurance sounds good. Will check out if I can find something similar in germany. Even if I want to reduce my fix costs to an absolute minimum. For me it feels just unfair and discriminatory that you have to fulfill every single law in the same way the big players have to do.
I even don't want to start a real company. Atm it's a project with some friends and we throw some money together to pay domain, server and so on. It's the same in and out and we all know each other and the service isn't public.
Now the first friends ask if they could get access - so we need a bit more straight forward payment process (SaaS like plans/subscriptions). Even if I keep the service closed it will earn more money than the servers cost and thats the definition of a business for profit - so we have to register the business, get a real privacy agreement, ToS and so on. Just to earn 100-200€/month from friends of friends.
I mean I know every single line of code, what happens with the data and so on. So if anyone has any questions I would be happy to answer them. But all this legal stuff doesn't benefit anyone. Our users don't care if there is Google Fonts/Maps used or not and they even don't understand what all this stuff means. If I would explain them from human to human they would understand what happens and why.