Information Obligation
Information obligation under Art. 15 VersVermV
Company Owner:
Ralf Skowronnek
M.Eng./M.B.A.
International Risk Advisor
Authorized Insurance Expert
D-D42E-YKIZS-95
Value added tax ID: DE322 180 484
Eppendorfer Weg 141d
20253 Hamburg
Tel: +49 (0)173 450 4881
Company Owner:
Barbora Bechnak
LL.M
International Risk Advisor
Authorized Insurance Expert
D-HTM1-OT4GH-30
Value added tax ID: DE322 719 117
Eppendorfer Weg 141d
20253 Hamburg
Tel: +49 (0)173 450 4880
Registered as:
Independent Insurance Advisors under Art. 34, para 2 GewO with the relevant licensing authority – the Chamber of Commerce of the City of Hamburg.
Ralf Skowronnek/Barbora Bechnak advises his/her Clients as an independent advisor and insurance expert. He/she is remunerated on a fee basis exclusively by his/her Clients. Remuneration by insurers is not permitted.
Ralf Skowronnek/Barbora Bechnak has neither direct nor indirect property rights participation at an insurance company. Vice versa, no insurance company or insurance mother company has either direct or indirect property rights participation at Ralf Skowronnek/Barbora Bechnak.
Common registration authority under Art. 11, para 1 GewO:
Deutscher Industrie- und Handelskammertag (DIHK) e.V.
Breite Strasse 29, 10178 Berlin
Tel: +49 (0)180 600 5850
(From Germany per landline: € 0.20/call; per mobile max. €0.60/call)
The register can be consulted under www.vermittlerregister.info
Arbitration and Dispute Resolution under Art. 214 VVG
Versicherungsombudsmann e.V.
P.O.Box 08 06 32, 10006 Berlin
Ombudsmann Private Kranken- und Pflegeversicherung
P.O.Box 06 02 22, 10052 Berlin
Consumer Arbitration and Dispute Resolution Procedure under Art. 36 VSBG:
We are obliged under Art. 17. para 4 VersVermV to adhere to the Dispute Resolution Procedure of the following Consumer Arbitration:
Versicherungsombudsmann e.V.
P.O.Box 08 06 32, 10006 Berlin
Ombudsmann Private Kranken- und Pflegeversicherung
P.O.Box 06 02 22, 10052 Berlin
Online Dispute Resolution under Art. 14, para 1 Consumer Online Dispute Resolution Regulation (ODR-VO)
The European Commission provides Online Dispute Resolution Platform (OS-Platform) which consumers can find under https://webgate.ec.europa.eu/odr/main/. Consumers can use this platform for resolution of disputes arising from contractual obligations.
In this respect, please refer to the email address: ralf.skowronnek@sbadvisors.de or barbora.bechnak@sbadvisors.de
Legal Notice
Information pursuant to § 5 Telemedia Act (TMG)
Ralf Skowronnek & Barbora Bechnak
Skowronnek & Bechnak
International Risk & Insurance Advisors
Eppendorfer Weg 141d
20253 Hamburg
Contact
Phone: +49 173 450 4881
E-mail: info@sbadvisors.de
Person responsible for editorial
Ralf Skowronnek
Eppendorfer Weg 141d
20253 Hamburg
EU dispute resolution
The European Commission provides a platform for online dispute resolution (ODR): https://ec.europa.eu/consumers/odr.
Our e-mail address can be found above in the site notice.
Dispute resolution proceedings in front of a consumer arbitration board
We are not willing or obliged to participate in dispute resolution proceedings in front of a consumer arbitration board.
Liability for Contents
As service providers, we are liable for own contents of these websites according to § 7(1) German Telemedia Act (TMG). However, according to §§ 8 to 10 German Telemedia Act (TMG), service providers are not obligated to permanently monitor submitted or stored information or to search for evidences that indicate illegal activities.
Legal obligations to removing information or to blocking the use of information remain unchallenged. In this case, liability is only possible at the time of knowledge about a specific violation of law. Illegal contents will be removed immediately at the time we get knowledge of them.
Liability for Links
Our offer includes links to external third-party websites. We have no influence on the contents of those websites, therefore we cannot guarantee for those contents. Providers or administrators of linked websites are always responsible for their own contents.
The linked websites had been checked for possible violations of law at the time of the establishment of the link. Illegal contents were not detected at the time of the linking. A permanent monitoring of the contents of linked websites cannot be imposed without reasonable indications that there has been a violation of law. Illegal links will be removed immediately at the time we get knowledge of them.
Copyright
Contents and compilations published on these websites by the providers are subject to German copyright laws. Reproduction, editing, distribution as well as the use of any kind outside the scope of the copyright law require a written permission of the author or originator. Downloads and copies of these websites are permitted for private use only.
The commercial use of our contents without permission of the originator is prohibited.
Copyright laws of third parties are respected as long as the contents on these websites do not originate from the provider. Contributions of third parties on this site are indicated as such. However, if you notice any violations of copyright law, please inform us. Such contents will be removed immediately.
Website erstellen lassen von checkdomain.de
