Online disputes in consumer matters
If you, as a consumer, concluded the contract electronically (e.g. via a website or by email), you can also turn to the Online Dispute Resolution (ODR) of the European Union. You will find this on the portal of the European Commission. Your complaint will then be forwarded via the platform for Online Dispute Resolution (https://ec.europa.eu/) to the insurance ombudsman association Versicherungsombudsmann e. V.
Content of the website
We assume no warranty whatsoever for the topicality, accuracy, comprehensiveness or quality of the information provided. Liability claims brought against us that refer to material or immaterial damage caused by the use or non-use of the information provided or by the use of incorrect or incomplete information, are essentially excluded, unless there is evidence of wilful intent or gross negligence on our part.
All services offered are subject to confirmation and are non-binding. We expressly reserve the right to change, supplement, delete or temporarily or permanently cease publication of parts of the website or the entire website without prior notice.
References and links
In the case of direct or indirect references to external websites (“hyperlinks”) that lie beyond our field of responsibility, a liability obligation shall come into force only in the event that we have knowledge of the content and if it would have been technically possible and reasonable for us to prevent use in the case of illegal content.
We expressly declare that at the time the links were created no illegal content was identifiable on the linked websites. We have no influence whatsoever over the current and future design, content or authorship of the linked websites. We therefore herewith expressly dissociate ourselves from all contents of all linked websites that were altered after the link was established. This statement applies to all links and references established within our own website as well as to external entries in all visitor logs, discussion forums and mailing lists already set up or in the future by us. The provider of the website to which reference is made is solely liable for illegal, incorrect or incomplete contents and in particular for damages arising from the use or non-use of such information, not the party who merely refers to the respective publication via links.
Copyright and trademark law
We endeavour to acknowledge the copyright of the graphics, audio documents, video sequences and texts used in all publications, to use graphics, audio documents, video sequences and texts we have created ourselves or to use license-free graphics, audio documents, video sequences and texts.
All brands and trademarks mentioned within the website and possibly protected by third parties are subject without restriction to the provisions of the applicable trademark law and the ownership rights of the respective registered owners. The mere fact that a trademark is mentioned should not lead to the conclusion that this is not protected by the rights of third parties.
Copyright for published objects created by us remains solely with us as author of the pages. Any reproduction or use of such graphics, audio files, video sequences or texts in other electronic or printed publications is not permitted without the express consent of the author.
Legal effectiveness of this liability disclaimer
This disclaimer constitutes part of the website referring to this webpage. If sections or individual passages of this text should not, no longer or not fully comply with the applicable legal situation, this shall not affect the content or validity of the other parts of the document.