Translation note: The language of the contract and the applicable law shall remain exclusively German. Translations of these contact details provided in other languages are for the convenience of the user only. The provider cannot accept any liability for the accuracy of this translation. For the original version (German text) please select German as the displayed language in the shortcut-menu at top of this site.

CONTACT DETAILS

The operator of this website is Pension IT GmbH

Headquarter: Dornacher Straße 3, D-85622 Feldkirchen bei München
Phone: +49 (0) 89 / 38 88 74 - 01
info@pension-it.de
www.pension-it.de

Registered in the Commercial Register at Munich District Court, HRB 230552
Managing Director: Martin Sauter
VAT-number: DE 211414674

Responsable for the content: Martin Sauter

Legal position of PensionIT GmbH

PensionIT GmbH operates this online service as a joint technical service provider of Klarna and Pension+Services.

Legal position of Klarna

Klarna is the customer of the portal and is responsible for the textual content as well as the concrete pension provision offered to employees via this online service.

Legal position of Pension+Services GmbH

Pension+Services advises Klarna (employer) and, on behalf of the employer, its employees in all matters of occupational pensions.
Pension+Services is a consulting company which is not affiliated with any pension providers or contractually obliged to broker or manage contracts for any pension providers or product suppliers. Even if Pension+Services acts as a broker of pension products in addition to providing purely advisory services, Pension+Services expressly represents only the interests of its customers (employers) and acts as their “trustee”. The interests of third parties, in particular insurance companies or similar, must not be considered. In this respect in particular, the status of Pension+Services differs from, for example, insurance agents or multiple agents who, according to the legal definition, must represent the interests of insurance companies.
For customers, Pension+Services makes recommendations on the basis of objective and balanced market research. With regard to occupational pensions, the employer always has the right to choose and determine pension providers. They do not have to follow the recommendations of Pension+Services. Pension+Services can also take over the management of existing pensions that are in place at the employer or are brought to the employer – a separate agreement is necessary for this.
Pension+Services only ever acts on the basis of a written order from the customer (employer). Our activities are described in full in each order. Under no circumstances can it be assumed that we will act above and beyond the activities described in the order; in particular we do not accept any permanent service mandate unless expressly specified in the order.

Entry in the register of brokers

Pension+Services GmbH is licensed according to § 34 d (1) of the German Industrial Code (GewO) and has been assigned registration number D-9MC8-KZ9H2-11 by the Chamber of Commerce for Munich and Upper Bavaria:
Max-Joseph-Straße 2, 80333 München
Phone: 089 5116-0 Telefax: 089 5116-1306
E-Mail: info@muenchen.ihk.de

You can check the registration at www.vermittlerregister.info, or by contacting Deutscher Industrie- und Handelskammertag e.V.:
Berliner Straße 29, 10178 Berlin
Phone: 030 – 20308-0
E-Mail: infocenter@berlin.dihk.de

Complaints

If you should ever be dissatisfied with our services please get in touch with us so we can do everything to address your concerns. Alternatively you can contact these independent ombudsmen. Their services are free of charge:

EU Commission platform for online dispute resolution
https://www.ec.europa.eu/consumers/odr

Versicherungsombudsmann e.V.
Kronenstraße 13 10117 Berlin
Telefon: 01804 – 22 44 24
www.versicherungsombudsmann.de

Ombudsmann für die private Kranken- und Pflegeversicherung
Kronenstraße 13, 10117 Berlin
Telefon: 01802 – 55 04 44
www.pkv-ombudsmann.de

Photo credits according to §2 Sec.1 No.5 German Copyright Law:

Disclaimer

Liability for contents

As a service provider, we are responsible for our own content on these pages in accordance with general legislation pursuant to Section 7 Paragraph 1 of the German Telemedia Act (TMG). However, according to §§ 8 to 10 TMG, we are not obliged as a service provider 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 laws remain unaffected by this. However, liability in this regard is only possible from the point in time at which a concrete infringement of the law becomes known. If we become aware of corresponding infringements, we will remove this content immediately.

Liability for links

Our website contains links to external websites of third parties over whose content we have no influence. Therefore, we cannot assume any liability for these external contents. 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 contents were not recognizable at the time of linking. However, permanent monitoring of the content of the linked pages is not reasonable without concrete indications of a legal violation. If we become aware of any infringements of the law, we will remove such links immediately.

Copyright

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

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