Why is the finleap connect user agreement so extensive?

As a payment institution, finleap connect has to comply with certain regulations and information obligations, such as pre-contractual information. A particular complexity arises from the variety of parties involved (see question + Who do I conclude which contracts with?) as well as from the fact that finleap connect offers access to payment accounts (in particular current accounts) regulated by financial supervisory law, as well as unregulated access to non-payment accounts (e.g. savings accounts or securities accounts).