Legal Notice | Data protection

IG Credit Reporting Agencies
(Creditreform, Crif, Dun & Bradstreet, Intrum)

1. Content of the Online Offer

The author does not guarantee the timeliness, accuracy, and completeness of the information provided on these pages. Liability claims against the author of these pages, which relate to damages of a material or immaterial nature caused by the use or non-use of the provided information or by incorrect and incomplete information, are basically excluded unless there is proven intentional or grossly negligent fault on the part of the author. All offers are free and non-binding. The author expressly reserves the right to change, supplement, or remove parts of their pages or the entire offer without special notice or to temporarily or completely cease publication.

2. References and Hyperlinks

A liability obligation for direct or indirect references to external websites (‘links’) that are not within the author’s responsibility would only come into effect if the author had knowledge of the content and it was technically feasible and reasonable to prevent the use in the case of illegal content. The author hereby expressly declares that at the time of linking, no illegal content was discernible on the linked pages. The author has no influence on the current or future design, the content, or the authorship of the linked pages. For this reason, the author disassociates themselves from any content on linked pages that may have been altered after the link was created. This statement remains valid for all links and references placed within the author’s own internet offering, as well as for external entries in guest books and mailing lists created by the author. For all illegal, incorrect, or incomplete content, and especially for any damages that may arise from the use or non-use of such provided information, the liability lies solely with the provider of the page to which reference was made.

3. Copyright and Trademark Rights

The author ensures that in all publications, the copyrights of the images, sounds, video scenes, and texts used are respected, either self-created images, sounds, video scenes, and texts are used, or that license-free images, sounds, video scenes, and texts are employed. If protected trademarks and brand names are used or mentioned within the internet offering, they are subject to the provisions of the respective valid trademark law and the ownership rights of the registered owners without exception. The mere mention of these trademarks should not lead to the conclusion that they are not protected by the rights of third parties! The copyright for published and self-created objects remains solely with the author of the page. Reproduction and use of these images, sounds, video scenes, and texts in other electronic or printed publications are not permitted without the express consent of the author.

4. Data Protection

If there are options offered within the online offering to enter personal or business data (email addresses, names, addresses), this is done explicitly on a voluntary basis by the user.

5. Data Privacy Statement for the Use of Google Analytics

This website uses Google Analytics, a web analytics service provided by Google Inc. (‘Google’). Google Analytics uses ‘cookies,’ which are text files placed on your computer, to help analyze your use of the website. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the United States and stored there. However, if IP anonymization is activated on this website, your IP address will be shortened by Google within member states of the European Union or other parties to the Agreement on the European Economic Area before being transmitted.

Only in exceptional cases will the full IP address be transmitted to a Google server in the United States and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, compile reports on website activity, and provide other services related to website usage and internet usage to the website operator. The IP address transmitted by your browser as part of Google Analytics will not be merged with other data from Google.

You can prevent the storage of cookies by adjusting your browser settings accordingly. However, please note that if you do this, you may not be able to use all the features of this website to their full extent. Furthermore, you can prevent Google from collecting and processing the data generated by the cookie related to your use of the website (including your IP address) by downloading and installing the browser plugin available at the following link: https://tools.google.com/dlpage/gaoptout?hl=en.

6. Legal Effectiveness of this Disclaimer

This disclaimer should be considered as part of the online offering from which this page was referenced. If individual sections or formulations of this text no longer comply with the current legal situation or are incomplete, the remaining parts of the document remain unaffected in terms of their content and validity.