General terms and conditions of business

Finanzmakler.online brokers loans, real estate and insurance to consumers (private individuals).

The following general terms and conditions apply to all services between us and a consumer in the version valid at the time of the order.

A consumer is any natural person who concludes a legal transaction for purposes that cannot be predominantly attributed to their commercial or independent professional activity (§ 13 BGB).

1.1 Services related to financing brokerage

Loans are brokered by Finanzmakler.online, whereby a loan agreement is concluded directly with the respective credit institution. Finanzmakler.online is not itself a lender. Depending on the credit institution, complete contract processing and support can be provided directly by the institution during the loan term. IN some cases, support is provided exclusively by Finanzmakler.online. Finanzmakler.online cannot guarantee or influence the acceptance or conclusion of a specific loan agreement.

1.1.1 Conditions in connection with financing brokerage

The conditions of the credit institutions published on the Finanzmakler.online website are subject to change.

1.1.2 Warranty/liability in connection with financing brokerages

The product-related data provided by the credit institutions is forwarded directly to the customers by Finanzmakler.online. Finanzmakler.online expressly points out that this information is not checked and that the customer uses the services offered at his own risk. Liability of Finanzmakler.online is excluded unless Finanzmakler.online or one of its legal representatives or vicarious agents are responsible for intent or gross negligence. Legal liability for damages resulting from injury to life, body or health remains unaffected.

1.2 Activities related to debt restructuring

The activity in connection with the restructuring of construction financing and installment loans by Finanzmakler.online does not constitute legal advice. Finanzmakler.online does not offer debt advice and recommends that customers contact a consumer advice center or a lawyer of their choice.

The following regulations regarding the conclusion of the contract apply to orders via our web applications on https://www.finanzmakler.online.

If the contract is concluded, the contract comes with

Finanzmakler.online

Haydnstr. 20

D-01309 Dresden

Dresden Register Court.

The presentation of our services in our "internet shop" do not represent a legally binding contractual offer on our part, but are only a non-binding invitation to the consumer to order services. By ordering the desired service, the consumer makes a binding offer to conclude a purchase contract.

Acceptance of the offer takes place in writing or in text form or by sending the ordered service within one week. If the deadline has expired without result, the offer is considered rejected.

When an order is received in our online shop, the following regulations apply: The consumer submits a binding contractual offer by successfully completing the ordering procedure provided in our online shop.< /p>

The order is placed in the following steps:

Selection of the desired services

Indication of general information

Provision of personal data

Information about a property

Information on financing ideas

Confirm by clicking the “Send” button

Before the binding order is sent, the consumer can return to the website by pressing the “Back” button in the Internet browser he is using after checking his details , on which the customer's information is recorded and input errors are corrected or the ordering process is canceled by closing the internet browser.

We confirm receipt of the order immediately by an automatically generated email (confirmation of receipt). This does not constitute acceptance of the offer. Acceptance of the offer takes place in writing, in text form or by sending the ordered service within one week.

Storage of the contract text for orders via our online shop: We will send you the order details and our general terms and conditions by email. You can view the terms and conditions at any time at https://www.finanzmakler.online/agb. For security reasons, your order details are no longer accessible via the Internet.

3.1 Fees

Fees are only charged intermittently, independent of our main services, for the ordering of so-called "financing certificates" or additional services. These additional services include the ordering of paid property documents, property valuations, creation of floor plans and living space calculations. We will inform you of any paid additional service before the service is carried out.

The prices stated include statutory sales tax and other price components.

The consumer has the option of paying in advance, purchase on account, PayPal, credit card (Visa, Mastercard, American Express).

If the consumer has chosen to pay in advance, he undertakes to pay the purchase price immediately after conclusion of the contract.

3.2 Commissions for arranging credit agreements / loan agreements / insurance contracts

We do not charge you any remuneration or additional payment. Since we provide the entire advisory service for our financing partners, we receive a brokerage commission directly from the financing partner or the insurance company if the placement is successful. Of course, this amount is already fully included in the effective interest rate shown.

Unless we have clearly stated otherwise in the product description, all items we offer are ready for immediate electronic dispatch. Delivery takes place within 1 working day at the latest by email. In the case of payment in advance, the deadline for delivery begins on the day after the payment order is sent to the bank responsible for the transfer and, for all other payment methods, on the day after the contract is concluded. If the end of the period falls on a Saturday, Sunday or a public holiday at the place of delivery, the period ends on the next working day.

The risk of accidental loss and accidental deterioration of the item sold, even in the case of a mail order purchase, only passes to the buyer when the item is handed over to the buyer.

We reserve ownership of the service until the purchase price has been paid in full.

Consumers have a right of withdrawal in accordance with the following provisions, whereby a consumer is any natural person who concludes a legal transaction for purposes that cannot predominantly be attributed to either their commercial or independent professional activity:

Right of withdrawal

You have the right to cancel this contract within fourteen days without giving any reasons. The cancellation period is fourteen days from the day the contract is concluded.

To exercise your right of withdrawal, you must contact us

Finanzmakler.online

Haydnstr. 20

D-01309 Dresden

Email: kontakt@finanzmakler.online

Inform us about your decision to revoke this contract by means of a clear statement (e.g. a letter sent by post, fax or email). You can use the attached sample cancellation form, although this is not mandatory.

To meet the cancellation period, it is sufficient that you send the notification of your exercise of the right of cancellation before the cancellation period has expired.

Consequences of revocation

If you cancel this contract, we will refund to you all payments received from you, including delivery costs (except for additional costs arising from you choosing a method of delivery other than that offered by us, have chosen the cheapest standard delivery), to be repaid immediately and at the latest within fourteen days from the day on which we received notification of your cancellation of this contract. For this repayment we use the same payment method that you used for the original transaction, unless something different was expressly agreed with you; under no circumstances will you be charged any fees for this repayment.

If you have requested that the services begin during the cancellation period, you must pay us a reasonable amount that corresponds to the proportion that has already been paid up to the point at which you inform us of your exercise of the right of cancellation with regard to this contract services provided compared to the total scope of services provided for in the contract.

Sample cancellation form

(If you want to cancel the contract, please fill out this form and send it back.)

To:

Finanzmakler.online

Haydnstr. 20

D-01309 Dresden

Email kontakt@finanzmakler.online

I/we (*) hereby revoke the contract concluded by me/us (*) for the purchase of the following services (*)/the provision of the following service(*):

Ordered on (*)/received on (*):

Name of consumer(s):

Address of the consumer(s):

Signature of the consumer(s):

(only for paper notification)

Date:

*) Delete what is not applicable.

The statutory warranty regulations apply.

The only contract language available is German.

Our advisors are available to answer your questions, complaints and objections on weekdays from 9:30 a.m. to 8:00 p.m.

Telephone: (+49) 0351 - 79 99 32 32

Email: kontakt@finanzmakler.online

available.

11.1. I agree that “Finanzmakler.online” may use my email address for advertising, which includes advertising in connection with real estate, real estate financing, purchase and sale, e.g. offers for construction financing products for those interested in real estate.

11.2. I agree that “Finanzmakler.online” may use my registration data with my movement data on the websites as well as notifications (e.g. emails) from “Finanzmakler.online” (pages accessed, content clicked on, etc.) and data from other websites on these websites services (e.g. search parameters; clicked, saved, recommended & contacted objects; profile, financing data as well as product purchases & related services) in order to be able to show me interesting advertising offers on these websites, as well as to send me the email mentioned in paragraph 1 -Advertising to be able to make offers that are particularly tailored to your interests.

11.3 I can revoke this consent at any time with future effect. For revocation, it is sufficient to send a written declaration of revocation of the declaration of consent to Finanzmakler.online, Haydnstr. 20, 01309 Dresden, or by email to kontakt(a)finanzmakler.online. Further information on the use of your data can be found in the data protection information.

As a service provider, we are responsible for our own content on these pages in accordance with general laws in accordance with Section 7 Paragraph 1 TMG. However, according to Sections 8 to 10 TMG, as a service provider we are not obliged to monitor transmitted or stored third-party information or to investigate circumstances that indicate illegal activity. Obligations to remove or block the use of information in accordance with general law remain unaffected. However, liability in this regard is only possible from the time of knowledge of a specific legal violation. If we become aware of any corresponding legal violations, we will immediately remove this content.

The free and freely accessible content on this website was created with the greatest possible care. However, the provider of this website assumes no liability for the accuracy and topicality of the free and freely accessible journalistic advice and news provided. You use this website content at your own risk. Simply by accessing this free and freely accessible content, no contractual relationship is created between the user and the provider, and in this respect there is no desire on the part of the provider to be legally bound.

Our offer contains links to external third-party websites over whose content we have no influence. We therefore cannot assume any liability for this external content. The respective provider or operator of the pages is always responsible for the content of the linked pages. The linked pages were checked for possible legal violations at the time of linking. Illegal content was not apparent at the time of linking. However, permanent control of the content of the linked pages is unreasonable without concrete evidence of a legal violation. If we become aware of any legal violations, we will immediately remove such links.

15.1 Sources

For quotations, the source must be “Finanzmakler.online”. as well as the respective page e.g. "www.finanzmakler.online" be specified.

15.2 Disclaimer of liability for content of linked pages

The Finanzmakler.online websites or excerpts from them can be accessed without Finanzmakler.online's knowledge using “hyperlinks”. be linked. In this context, we assume no liability for information and/or statements on third-party websites.

The content and works on these pages created by the site operators are subject to German copyright law. Reproduction, processing, distribution and any kind of exploitation outside the limits of copyright law require the written consent of the respective author or creator. Downloads and copies of this page are only permitted for private, non-commercial use. If the content on this site was not created by the operator, the copyrights of third parties are respected. In particular contents of third parties are marked as such. Should you nevertheless become aware of a copyright infringement, we ask that you notify us accordingly. If we become aware of any legal violations, we will immediately remove such content.

The use of the contact details in the imprint for commercial advertising is expressly not desired unless the provider has previously given its written consent or there is already a business relationship. The provider and all persons named on this website hereby object to any commercial use and disclosure of their data.

If special conditions for individual uses of this website deviate from the aforementioned sections, this will be expressly pointed out at the appropriate point. In this case, the special conditions apply in each individual case.

Finanzmakler.online is generally not willing or obliged to take part in dispute resolution proceedings before a consumer arbitration board.

Personal data that the interested party enters as part of their search query is stored in accordance with Section 28 Paragraph 1 BDSG and can be deleted at the interested party's request. By submitting and sending his search query, the interested party gives his consent to the use and forwarding of his data to insurance or financial service providers in accordance with Section 13 of the Telemedia Act (TMG), insofar as this is necessary to process the queries. Further information can be found in our data protection declaration.

Finanzmakler.online is currently not pursuing an independent sustainability strategy. Instead, the sustainability information provided by the product providers is used when selecting insurers and insurance products. Unfortunately, the regulatory technical standards (RTS) that should be made available by the European supervisory authorities are not yet available. Therefore, Finanzmakler.online cannot yet examine in detail what negative effects on sustainability factors exist due to investment decisions and what sustainability risks should be included in the advice. However, if the customer requires specific advice, Finanzmakler.online will explain whether taking sustainability risks into account when making an investment decision entails advantages or disadvantages. However, it should be noted that Finanzmakler.online is not responsible for the content and accuracy of the information provided by the insurance companies. Finanzmakler.online will follow further developments in this area and decide in due course whether a sustainability strategy should be developed and the negative effects on sustainability factors should be taken into account in the advice.

By sending this declaration, I agree that Finanzmakler.online will contact me regularly by email, telephone, WhatsApp and SMS to provide me with advertising content on construction financing (initial and follow-up financing), consumer loans, insurance, real estate and real estate-related services (e.g. subsidies/KfW funds) as well as surveys on customer satisfaction and product development. Contact is made approximately every 2-4 weeks via the address or number I provided above.

Of course, I have the option to revoke my consent completely or partially at any time. This applies to all or individual advertising channels or content and is effective for the future. I can send the revocation to Finanzmakler.online by email to kontakt@finanzmakler.online, by telephone on +49 (0)351 7999 32 32 or in writing to Finanzmakler.online, Haydnstr. 20, 01309 Dresden, Germany.

Before I receive advertising from Finanzmakler.online for the first time, I will receive a confirmation email or receive a confirmation call from Finanzmakler.online. Only after confirming my email address or telephone number will I receive advertising from Finanzmakler.online.

As of: June 2023

If a clause of these general terms and conditions is not legally valid, the remaining clauses remain unaffected. German law applies exclusively to the agreements concluded with Finanzmakler.online.