Initial Information in Accordance with Articles 13 & 14 of the GDPR

Nature of Activities & Professional Title

Financial Investment Advisor licensed under § 34f (1) No. 1 GewO, in conjunction with § 11a GewO

Unified Register Authority

German Chamber of Industry and Commerce (DIHK) e.V.
Breite Straße 29, 10178 Berlin
Phone: +49 30 203080
Website: www.dihk.de

You can verify the registration in the intermediary register using the company name or registration number at www.vermittlerregister.info.

A list of issuers and providers for whose financial products we offer mediation or advisory services is available here or upon request.

Mediation, Advice & Compensation

In connection with mediation, we generally also provide advice according to legal requirements. We receive third-party compensation for successfully concluding mediation contracts and/or financial products. Compensation includes commissions and/or fees or other monetary benefits we receive from the respective issuer, provider of a financial instrument or insurance product, or other third parties, which we are entitled to retain.

If we mediate an insurance product for which the provider has not included sufficient compensation in the premium, we will inform you before beginning our services and offer you the option to enter into a fee agreement.

Advisory & Information Basis, Market Share

Our insurance recommendations are based on a limited advisory scope. The market analysis did not consider a sufficiently broad range of market-offered insurance contracts or active insurers; this deviates from the legal default.

Information on insurance companies and contracts considered comes from broker pools and comparison software.

We cannot assess the market share of the insurers/contracts considered. There are no available statistics, or we have no access to them, to estimate market share. Therefore, it’s possible that the insurers/contracts we consider represent only a small share of those available in Germany.

The list of insurance companies we mediate is available here or upon request.

Out-of-Court Dispute Resolution

For out-of-court dispute resolution, you may contact the following bodies:

In accordance with § 17 (4) VersVermV, we are required to participate in proceedings before these consumer arbitration boards:

Insurance Ombudsman e.V., P.O. Box 08 06 32, 10006 Berlin (info at www.versicherungsombudsmann.de)
If the complaint relates to private health insurance mediation: Ombudsman for Private Health and Long-Term Care Insurance, P.O. Box 06 02 22, 10052 Berlin (info at www.pkv-ombudsmann.de)

The European Commission provides an online dispute resolution platform (“ODR Platform”) at: https://webgate.ec.europa.eu/odr/main/.

As participation is not mandatory under § 36 VSBG, we do not take part in non-mandatory consumer dispute resolution procedures.

Stakeholding in Insurance Companies

We hold no direct or indirect stake exceeding 10% of voting rights or capital in any insurance company. Likewise, no insurance company or its parent holds over 10% of voting rights or capital in our company.

Supplement to Status-Related Initial Information

Conflict of Interest Information

Conflicts of interest cannot always be excluded in companies providing financial instrument services. We inform you of our measures to manage conflicts of interest:

Possible conflicts may arise between our company, management, employees, connected persons, and clients, or among clients, due to:
- Our own interest in selling financial instruments
- Receipt or grant of inducements (e.g., placement or distribution commissions)
- Performance-based employee compensation
- Benefits to our employees
- Relationships with issuers or product providers (e.g., credit relations, cooperation in issuances)
- Access to non-public information
- Personal relationships of employees
- Employees serving on supervisory or advisory boards of companies whose products we offer

Compensation is commission-based: we receive agreed commissions from the provider of the financial instrument, the custodian, or broker pool, which may include upfront and/or ongoing commissions and other monetary benefits.
Procedures to manage conflicts:

- Policies on accepting and disclosing inducements
- Regular training
- Disclosure of unavoidable conflicts before the conclusion of a transaction to ensure informed decisions

Recording of Communications

Our advisors are required to record all content of telephone calls and electronic communications (fax, email) related to the advice or mediation of financial investments. Recordings must include discussions of advice, risks, returns, or product specifics, regardless of whether a transaction is concluded. You have the right to receive these recordings.

You may object to the recording at any time. If you do so, we cannot provide advice or mediation via phone or electronic communication. Communication will then be limited to methods you’ve consented to. In-person meetings and postal mail remain possible at all times.