Germany for Students

Imprint

Information according to § 5 TMG

Responsible for Content

FinEase Financial Service GmbH
Karlstraße 13
35641 Schöffengrund

Contact

Email: info(at)finease-fs.de

Commercial Register

Commercial Register: AG Wetzlar, HRB 8596
VAT ID: DE451391475

Managing Director

Thomas Dieter Lauer

Permits and Supervisory Authorities

Permit according to § 34 c para. 1 Trade Regulation Act (GewO)

Supervisory Authority: District Committee of Lahn-Dill-Kreis
Karl-Kellner-Ring 51, 35576 Wetzlar

Permit according to § 34 d para. 1 Trade Regulation Act (Insurance Broker)

Supervisory Authority: Chamber of Industry and Commerce Limburg
Walderdorffstraße 7, 65549 Limburg

Permit according to § 34 i para. 1 sentence 1 Trade Regulation Act (Real Estate Loan Broker)

Supervisory Authority: Chamber of Industry and Commerce Limburg
Walderdorffstraße 7, 65549 Limburg

Broker Register

Registration No. D-2TX2-4S3WG-16 (for § 34 d GewO)
Registration No. D-W-146-94T9-55 (for § 34 i GewO)
www.vermittlerregister.info

Mediation Office

The competent consumer mediation office is:

Versicherungsombudsmann e.V.
Postfach 08 06 32
10006 Berlin

Phone: 0800 3696000 (free of charge from German telephone networks)
Fax: 0800 3699000 (free of charge from German telephone networks)
Website: http://www.versicherungsombudsmann.de

European Platform for Online Dispute Resolution (ODR Platform)

At https://ec.europa.eu/consumers/odr/ you can access the European Platform for Online Dispute Resolution (ODR Platform) provided by the European Commission. This platform serves the out-of-court settlement of disputes in the area of online contracts between entrepreneurs and consumers.

Professional Title

  • Insurance broker with permit according to § 34 d para. 1 Trade Regulation Act, Federal Republic of Germany
  • Real estate loan broker according to § 34 i para. 1 sentence 1 Trade Regulation Act, Federal Republic of Germany
  • Real estate broker/loan broker according to § 34c para. 1 Trade Regulation Act, Federal Republic of Germany

Competent Professional Chamber

Chamber of Industry and Commerce Lahn-Dill
Am Nebelsberg 1, 35685 Dillenburg

Professional Regulations

  • § 34 c Trade Regulation Act (GewO), Broker and Property Developer Regulation (MaBV)
  • § 34 d Trade Regulation Act (GewO)
  • § 34 i Trade Regulation Act (GewO)
  • §§ 59 - 68 Insurance Contract Act (VVG)
  • Regulation on Insurance Mediation and Advice (VersVermV)
  • Regulation on Real Estate Loan Mediation (ImmVermV)

The professional regulations can be viewed and retrieved on the website www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH.

Information on Sustainability Risks in Financial Products

What are Sustainability Risks?

Sustainability risks (ESG risks) are events or conditions from the three areas of Environment, Social and Governance, the occurrence of which could have negative effects on the value of the investment or asset. These risks can affect individual companies as well as entire industries or regions.

What are Examples of Sustainability Risks in the Three Areas?

Environment: As a result of climate change, increasingly frequent extreme weather events could pose a risk. This risk is also called physical risk. An example of this would be an extreme drought period in a particular region. This could cause water levels of transport routes such as rivers to drop so far that the transport of goods could be impaired.

Social: In the social area, risks could arise, for example, from non-compliance with labor law standards or health protection.

Governance: Examples of risks in the area of governance include non-compliance with tax honesty or corruption in companies.

Information on the Consideration of Sustainability Risks in Advisory Activities (Art. 3 TVO)

To consider sustainability risks in advisory services, the information provided by providers (financial market participants) and their financial products is taken into account in the selection process. Providers that clearly have no strategy for incorporating sustainability risks into their investment decisions may not be offered. In the context of advisory services, it may be separately presented if the consideration of sustainability risks in the investment decision means recognizable advantages or disadvantages for the customer. The respective provider informs about the consideration of sustainability risks in investment decisions with its pre-contractual information. The customer can address questions about this in advance of a possible conclusion.

Information on the Consideration of Adverse Impacts on Sustainability Factors (Art. 4 TVO in conjunction with Art. 11 of the TVO Supplement of January 1, 2023)

Statement on the Consideration of the Most Important Adverse Impacts on Sustainability Factors in Investment and Insurance Advisory Services:

In our advisory services, our goal is to be able to recommend a suitable investment/insurance investment product to you. We also take into account your sustainability preferences, if you so wish. In this context, you can specify whether environmental and/or social values as well as principles of good corporate governance and/or the most important adverse impacts of investment decisions on sustainability factors should be considered in your investment. Depending on the type of investment objective (investment in companies, states, real estate, etc.), the legislator has determined "indicators" in the following areas for the most important adverse impacts of their investment decisions on sustainability factors:

  • Environmental, social and employee matters
  • Respect for human rights
  • Combating corruption and bribery

Product providers are legally required to publish a statement on what strategy they pursue regarding the consideration of the most important adverse impacts and how they deal with them. This relates in particular to greenhouse gas emissions, water consumption, biodiversity, waste, social and employee matters (including human rights and corruption). If you decide that the most important adverse impacts of your investment decisions on sustainability factors should be considered in product selection, we take into account the information provided by product providers as well as the strategies outlined by product providers in the selection process. We do not apply our own classification and selection methods to the information from product providers. There is no separate review of the information provided by product providers with regard to their plausibility.

Information on Remuneration Policy Regarding the Consideration of Sustainability Risks (Art. 5 TVO)

Remuneration for the mediation of financial products is generally not influenced by sustainability risks. It may happen that providers pay higher remuneration for the consideration of sustainability risks in investments. If this does not contradict the customer's interest, the higher remuneration is accepted.

Information on Professional Indemnity Insurance

Professional indemnity insurance with coverage of EUR 5 million is in place with VHV Allgemeine Versicherung AG