This online offer is provided by:
Creditreform Rating AG
Phone: +49 (0) 21 31 / 109-626
Fax: +49 (0) 21 31 / 109-627
Entered into the Trade Register of the Amtsgericht Neuss (Municipal Court) under the number HRB 10522.
Tax ID: 122/5714/4552
Sales tax ID: DE 212 229 498
Fully authorized representatives
- Chief Executive: Dr. Michael Munsch
- Chairman of the Supervisory Board: Prof. Dr. Helmut Rödl
Disclaimer / liability waiver
1. Contents of the online offering
The author does not assume any liability whatsoever for the currentness, correctness, completeness or quality of the information provided. Liability claims against the author based on damage of a material or non-material nature resulting from the use of or failure to use the presented information and / or the use of incorrect and incomplete information are categorically excluded, provided that the author is not culpable of demonstrably willful or gross negligence.
All offers are subject to change without notice and are non-binding. The author expressly reserves the right to change, supplement, or delete parts of the pages or the entire content without separate notice and to discontinue publication thereof either temporarily or permanently.
2. References and links
As regards direct or indirect references to external websites (“hyperlinks”) which are outside the area of responsibility of the author, liability would only be assumed if the author had knowledge of content and if it was technically possible and feasible to prevent their use in case of illegal content.
The author hereby expressly declares that no illegal content was found on the linked pages at the time the links were set up. The author has no influence whatsoever on the current and future design, contents and authorship of the linked / referenced pages. For this reason, the author expressly dissociates himself from the contents of all linked / referenced pages which were changed after the links were first set up. This statement applies to all links and references set up within the author’s own website, as well as to external entries in the guest books, discussion forums and mailing lists created by the author.
Only the provider of the page to which reference was made shall be liable for illegal, incorrect or incomplete contents and notably for damage resulting from the use of or failure to use such information provided, but not the person who merely refers to the publication in question via links.
3. Copyright law and law on trademarks and related signs
In all publications, the author strives either to observe the copyright of the graphics, audio and video clips and texts used, to use graphic art, audio and video clips and texts created by himself or to resort to license-free graphic art, audio and video clips and texts.
All brands and trademarks mentioned as part of the internet offering and, where applicable, all brands and trademarks protected by third parties are subject without restrictions to the regulations of the currently applicable law on trademarks and related signs as well as the rights of ownership by the registered owner. The mere fact that a trademark is mentioned must not lead to the conclusion that trademarks are not protected by third-party rights!
The copyright for published items created by the author himself remain solely with the author of the pages. Copying or using such graphics, audio and video clips and texts in other electronic or printed publications is prohibited without the express permission of the author.
4. Data privacy
Provided that the possibility of entering personal or business details (e.g. e-mail addresses, names, addresses) exists within the Internet offering, the disclosure of such data on the part of the user is done on an expressly voluntary basis. Using and paying for all services offered is – in as much as this is technically possible and feasible – also permitted without entering such data and / or with the anonymous entry of data, or by using an alias. The contact details published as part of the Imprint or comparable disclosures, such as postal addresses, telephone and fax numbers as well as e-mail addresses are explicitly not to be used by third parties for transmitting information that has not been expressly solicited. The author expressly reserves the right to take legal action against the senders of so-called spam mails in case of breaches of this prohibition.
5. Validity of this disclaimer
This disclaimer is deemed part of the website from which the user was referred to this page. If parts or individual formulations of this text do not, no longer, or do not fully, comply with the current legal position, the remainder of the document shall not be affected by this, either in terms of content or validity.
6. Information about Piwik
This website uses Piwik, an open source software for statistically evaluating user accesses. Piwik uses so-called cookies – text files that are saved on your computer and enable your website usage to be analyzed. The information that the cookie generates about your usage of this web offering is stored on the provider’s server in Germany. The IP address is rendered anonymous immediately after it has been processed and before it is saved. You can prevent the installation of the cookies by configuring your browser software accordingly; we would like to stress, however, in this case, you may not be able to fully use all the website’s functions.
European Securities and Markets Authority (ESMA)
103 rue de Grenelle
75345 Paris Cedex 07
Phone: + 33 1 58 36 43 21
Fax: + 33 1 58 36 43 30