Legal Notice

We are under a statutory obligation in accordance with § 15 of the German Insurance Brokerage Regulation (Versicherungsvermittlungsverordnung, VVO) to provide you with information about us. Please therefore read the following details and do not hesitate to contact us if you have any queries.
As an insurance broker, we provide advice. The payment - known as brokerage - for our advice, brokering and management activities is customarily borne by the insurance company. Brokerage is included in the insurance premium. Any other arrangement must be specifically agreed between us and the customer.
Pantaenius Versicherungsmakler GmbH does not have a direct or indirect shareholding of more than 10 % of the voting rights or capital of an insurance company and / or vice versa.

Information about the Broker
Pantaenius Versicherungsmakler GmbH is registered with the competent authorities and is included in the Register of Insurance Brokers as a licensed insurance broker in accordance with § 34 d (1) of the German Industrial Code (Gewerbeordnung) under registration number D-855F-DRNL7-27. The responsible licensing authority is

Handelskammer Hamburg (Hamburg Chamber of Commerce), Adolphsplatz 1, 20547 Hamburg

The entry in the register of brokers can be viewed by contacting:
Deutscher Industrie- und Handelskammertag (Association of German Chambers and Commerce and Industry, DIHK) e.V., 11052 Berlin
Telephone (0 180) 60 05 85 0 (€0.20 per call from landlines; max €0.60 per call from mobile networks)

Information on the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and on participation in arbitration proceedings in accordance with
§ 36  of the German Consumer Dispute Resolution Act (Verbraucherstreitbeilegungsgesetz)

The arbitration boards specified below can be contacted for extrajudicial dispute resolution. In accordance with § 17 (4) of the German Insurance Brokerage Regulation, we are obliged to participate in dispute resolution procedures before the following consumer arbitration board.

Versicherungsombudsmann e.V. 

(Insurance Ombudsman)

PO Box 08 06 32 

10006 Berlin

Ombudsmann für private Kranken- und Pflegeversicherung

(Ombudsman for private health and nursing care insurance)

 PO Box 06 02 22

10006 Berlin 10052 Berlin

Online dispute resolution pursuant to Article 14 (1) of the Regulation on Consumer ODR (Verordnung über Online-Streitbeilegung in Verbraucherangelegenheiten, ODR-VO)
The European Commission provides a platform for online dispute resolution which consumers can find at https://webgate.ec.europa.eu/odr/main/. Consumers can use this platform for the out-of-court resolution of their disputes regarding contractual obligations.
info@pantaenius.com

Complaint Management

Please contact our complaints office if you have any complaints about our activities:
Email: info@pantaenius.com

Professional regulations (available at www.gesetze-im-internet.de):
- § 34 d German Industrial Code
- §§ 59-68 German Insurance Contract Act
- German Insurance Brokerage Regulation

Please find below information about the integration of sustainability risks pursuant to the Sustainable Finance Disclosure Regulation.

Information duties pursuant to Article 3 of the Sustainable Finance Disclosure Regulation

When choosing insurance companies and insurance products, we take into account the information provided by the insurers.

Where appropriate, we will not offer any insurers who clearly do not use any strategies for the integration of sustainability risks in their investment decisions. When providing individual advice in the interest of customers, we will also state if we believe that the consideration of sustainability risks in investment decisions would constitute any obvious advantages or disadvantages for the individual customer.

The respective insurer will provide information about the specific consideration of sustainability risks in investment decisions with their pre-contractual information.

Please feel free to contact us to discuss any questions you have about this before concluding any contract.

Information duties pursuant to Article 4 (5) of the Sustainable Finance Disclosure Regulation

When providing advice, the principal adverse impacts of investment decisions on sustainability factors for the financial market participants (insurers) are taken into account. This consideration is made on the basis of the information provided by the insurance companies. The broker is not responsible for the accuracy of this information.

Currently, any consideration on the basis of developing but basic information by the insurer in relation to their company can only be made conditionally.

Information duties pursuant to Article 5 (5) of the Sustainable Finance Disclosure Regulation

With regard to the insurance broker’s remuneration, the same remuneration is essentially made for products with differing impacts on sustainability risks.

Insurers partially support the integration of sustainability risks in investments by way of higher remuneration to the insurance broker. Where this happens, the higher remuneration is accepted by the insurance broker.

Information duties pursuant to Article 6 (2) of the Sustainable Finance Disclosure Regulation

When advising on insurance investment products, Riester and basic pensions or company pensions, the sustainability risks will be integrated, for which the pre-contractual information sent by the insurer will be used.

If, when making any assessment in accordance with this duty, there is a product with a similar or better return that also takes into account sustainability risks, this product is recommended as a priority.

Liability for content

Under Section 7 (1) German Telemedia Act (Telemediengesetz, TMG), we, as a service provider, are responsible for our own content on these pages in accordance with general law. However, under Sections 8 to 10 TMG, we, as a service provider, are not obliged to monitor third-party information transmitted or stored or to investigate circumstances suggesting unlawful activity. This is without prejudice to obligations to remove or block the use of information in accordance with general laws. However, liability in this regard is only possible from the time of knowledge of a specific legal infringement. Should any such legal infringements become known, we shall remove the contents concerned immediately.

Liability for links

Our website contains links to external third-party websites; we have no influence on their contents. Consequently, we cannot accept any liability for such third-party content. The respective provider or operator of the sites is solely responsible for the content on the linked pages. Linked websites were checked for possible legal infringements at the time of linking. There were no identifiable illegal contents at the time of linking. We cannot, however, be reasonably expected to continuously monitor the content of the linked pages without concrete indications of a legal violation. If we learn of any such infringements, we will remove such links immediately.

Copyright

The contents and materials on these pages created by the website operators are subject to German copyright law. Reproduction, processing, distribution and any form of use beyond the restrictions of copyright law require the written consent of the relevant author or creator. Downloads and copies of these pages are only permitted for private, non-commercial use.

Insofar as the contents on this site were not created by the operator, the copyrights of third parties shall be respected. In particular, contents of third parties are designated as such. If you nevertheless become aware of a copyright infringement, please notify us accordingly. Should we become aware of any such infringements, we shall remove such content immediately.