Legal Notice / Impressum

germanyforstudents.com is a project of:

Phone: +49155 / 632 389 76
Email: info(at)finease-fs.de

Commercial Register: AG Wetzlar, HRB 8596
VAT ID: DE451391475
Managing Director: Thomas Dieter Lauer

Professional Licenses

License according to § 34c para. 1 Trade Regulation Act

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

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

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

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

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

Intermediary Register

www.vermittlerregister.info

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

Dispute Resolution

The competent consumer arbitration body is:

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

European Platform for Online Dispute Resolution (ODR Platform)

The European Platform for Online Dispute Resolution (ODR Platform) provided by the European Commission can be reached at https://ec.europa.eu/consumers/odr/. This platform serves for out-of-court dispute resolution in the area of online contracts between businesses and consumers.

Professional Designation

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

Responsible Professional Chamber

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

Professional Legal Regulations

• § 34c Trade Regulation Act (GewO), Broker and Developer Regulation (MaBV)
• § 34d Trade Regulation Act (GewO)
• § 34i Trade Regulation Act (GewO)
• §§ 59 – 68 Insurance Contract Act (VVG)
• Regulation on Insurance Intermediation and Advisory Services (VersVermV)
• Regulation on Real Estate Loan Intermediation (ImmVermV)

The professional legal regulations can be viewed and accessed via the homepage 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 that could have negative effects on the value of the investment if they occur. These risks can affect individual companies as well as entire industries or regions.

Examples of sustainability risks in the three areas:

• Environment: As a result of climate change, increasingly occurring extreme weather events could pose a risk. This risk is also called physical risk. An example would be an extreme dry period in a certain 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 corporate governance include non-compliance with tax honesty or corruption in companies.

Information on the inclusion of sustainability risks in advisory activities (Art. 3 TVO)

In order to include sustainability risks in the consultation, the information provided by providers (financial market participants) and their financial products is taken into account when selecting providers. Providers who recognizably have no strategy for including sustainability risks in their investment decisions may not be offered.

Information on considering adverse impacts on sustainability factors (Art. 4 TVO)

When providing advice, our goal is to be able to recommend a suitable investment/insurance investment product to you. We also take your sustainability preferences into account if you wish. Here you can determine whether ecological and/or social values as well as principles of good corporate governance and/or the main adverse effects of investment decisions on sustainability factors should be considered in your investment.

Information on remuneration policy when considering sustainability risks (Art. 5 TVO)

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

Information on Professional Liability Insurance

Professional liability insurance with coverage of €5 million is available through VHV Allgemeine Versicherung AG.

This legal notice complies with German legal requirements for commercial websites and financial service providers.