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Information according to § 5 TMG (German Telemedia Act)

Florian Zekert
Partner der Honorarfinanz AG
Dammstr. 17
04416 Markkleeberg


Telephone: +49 (0) 341 946 785 97
E-Mail: f.zekert@honorarfinanz.ag
Web: www.honorarfinanz-leipzig.de

Florian Zekert is an independent partner and contractually bound intermediary of Honorarfinanz AG; registered with Bafin under Bafin ID: 80163559

Permission to provide financial services according to §32 KWG

Honorarfinanz AG is licensed to provide financial services of investment advice (§1 para. 1a sentence 2 no. 1a KWG) and investment brokerage (§1 para. 1a sentence 2 no. 1 KWG) and is therefore an independent financial services institution.

Registration and supervisory authority:

Federal Financial Supervisory Authority (BaFin)

E-mail: poststelle@bafin.de

Internet: www.bafin.de

Registered fee-based investment advisory institution according to §36c German Securities Trading Act


Honorarfinanz AG is registered in the Honorar-Anlageberaterregister of the Federal Financial Supervisory Authority with the Bafin-Id. 10138885 with notice of 03 December 2015. Available at www.bafin.de

Honorarfinanz AG does not hold any direct or indirect interest of more than 10 % in the voting rights or capital in an insurance company.

Financial loss liability insurance (investment advice)

There is a financial loss liability insurance with ALLCURA AG, Postfach 11 23 69, 20423 Hamburg under the contract number 81039001 with an insured sum per insured event of 1 million Euro. The insurance is valid in the contracting states of the Agreement on the European Economic Area.

Independent fee-based investment advisor

The term “independent fee-based investment advisor” is a protected term in accordance with §94 of the German Securities Trading Act (Wertpapierhandelsgesetz).

Liability 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 any such infringements, we will remove the relevant 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 recognisable 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.


The contents and works created by the site operators on these pages are subject to German copyright law. Duplication, 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 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.

Source reference: Disclaimer eRecht24

Source references for the images and graphics used:

http://www.istockphoto.com / © Squaredpixels
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http://www.istockphoto.com / © Yuri
http://www.istockphoto.com / © GlobalStock
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http://www.fotolia.com / © Beboy
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http://www.fotolia.com / © Robert Kneschke

Honorarfinanz AG

Source: http://www.e-recht24.de

Applicable law

The disclaimer for content and links as well as the copyright and data protection notices are part of this website.

The use of this website and this agreement are governed exclusively by German law to the exclusion of international private law. Any claims or legal disputes in connection with this website or its use shall be subject to the exclusive jurisdiction of the German courts. To the extent permissible hereunder, the place of jurisdiction shall be the registered office of the Company.

Should any part of these terms of use be invalid or unenforceable, this shall not affect the validity of the remaining parts. Rather, a provision shall apply which comes closest to the originally intended provision in its legal and economic effect.

Compensation institution

Honorarfinanz AG is a compulsory member of the Compensatory Fund of Securities Companies (EDW), 10865 Berlin, due to its permission to provide financial services according to §32 KWG.


How Honorarfinanz incorporates sustainability risks into portfolio strategies:

Sustainability risks are environmental, social or governance (ESG) circumstances that could have a material adverse effect on the value of the investment. Due to legal requirements, we are obliged to make the following disclosures. We do not intend to directly advertise environmental or social characteristics in our investment strategies or for other specific financial instruments:

Honorarfinanz aims to contribute to a more sustainable, resource-efficient economy with the goal of reducing the risks and impacts of climate change in particular. In addition to observing sustainability goals in our corporate organisation itself, we also see it as our task to sensitise our clients to aspects of sustainability when structuring the business relationship that exists with us. In the context of asset management and investment advice – but not in the context of so-called non-advisory business – we ask them about their ideas and wishes in this regard and then implement them.

Environmental conditions, social upheavals and/or poor corporate governance can have a negative impact on the value of our clients’ investments and assets in several ways. These so-called sustainability risks can have a direct impact on the asset, financial and earnings situation and also on the reputation of the investment properties.

We do not currently pursue a separate sustainability strategy. However, when selecting financial investments, we take into account the information provided by the issuer. At present, the technical regulatory standards of the European supervisory authorities are still missing in order to be able to examine in detail which adverse effects on sustainability factors exist and how these can be included in the advice. Due to the current limited information, these aspects are currently not taken into account as standard in the consultation. However, the most important adverse effects of investment decisions on sustainability factors are discussed in the consultation. We are monitoring further developments and will develop our own sustainability strategy in due course, in particular taking into account adverse impacts on sustainability factors in our advice.

Statement on the consideration of adverse impacts on sustainability factors for asset management and investment advice. Due to legal regulations, we are obliged to provide the following information:

  • Investment decisions may have adverse effects on the environment (e.g., climate, water, biodiversity), on social – and employee concerns and may also be detrimental to the fight against corruption and bribery.
  • As a matter of principle, we have a considerable interest in fulfilling our responsibility as a financial services provider and in helping to avoid such effects in the context of our investment decisions (or investment recommendations). However, according to the current state of affairs, the implementation of the legal requirements specified for this purpose is unreasonable due to the existing and still threatening bureaucratic framework conditions. Moreover, essential legal questions are still unresolved.
  • In order to avoid legal disadvantages, we are therefore currently prevented from issuing a public statement to the effect that and in what way we take into account the adverse effects on sustainability factors (environmental concerns, etc.) in the context of our investment decisions (or investment recommendations). Therefore, we are required to state on our website that we do not take these into account for the time being and until further clarification.
  • However, we expressly declare that this handling does not change our willingness to contribute to a more sustainable, resource-efficient economy with the aim of reducing, in particular, the risks and effects of climate change and other environmental or social grievances.
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