Legal Notice (Impressum)

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Postal Address:

Florian Zekert
Unabhängiger Honorar-Anlageberater
Ferdinand-Lassalle-Str. 22
04109 Leipzig

Telefon: 0341-94678597
E-mail: f.zekert@honorarfinanz.ag
Web: www.honorarfinanz-leipzig.de

Information on Dispute Resolution

EU Online Dispute Resolution The European Commission provides a platform for online dispute resolution (ODR), available at: https://ec.europa.eu/consumers/odr/. Our e-mail address can be found above in this Legal Notice.

Consumer Dispute Resolution / Universal Arbitration Board (Verbraucherstreitbeilegung / Universalschlichtungsstelle) We are neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board.

Florian Zekert is an independent partner of Honorarfinanz AG. Florian Zekert is a contractually tied agent (vertraglich gebundener Vermittler) within the meaning of Section 3 (2) of the German Securities Institutions Act (Wertpapierinstitutsgesetz – WpIG) of Honorarfinanz AG; registered with the German Federal Financial Supervisory Authority (BaFin) under the number 80163559.

Authorisation to Provide Investment Services pursuant to Section 15 WpIG

Honorarfinanz AG holds the authorisation to provide the following investment services: investment broking (Anlagevermittlung, Section 2 (2) No. 3 WpIG), investment advice (Anlageberatung, Section 2 (2) No. 4 WpIG), contract broking (Abschlussvermittlung, Section 2 (2) No. 5 WpIG), and portfolio management (Finanzportfolioverwaltung, Section 2 (2) No. 9 WpIG), and is therefore an independent securities institution (Wertpapierinstitut).

Registration and Supervisory Authority: Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – BaFin)
E-mail: poststelle@bafin.de
Internet: www.bafin.de

Entry in the Register of Fee-Based Investment Advisors pursuant to Section 93 (2) No. 1 WpHG – BaFin ID: 80163559

Honorarfinanz AG is entered in the Register of Fee-Based Investment Advisors (Honorar-Anlageberaterregister) of the Federal Financial Supervisory Authority under BaFin ID: 80163559 by notice dated 3 December 2015. The register is available at www.bafin.de

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

Professional Indemnity Insurance (Investment Advice)

A professional indemnity insurance policy (Vermögensschaden-Haftpflichtversicherung) is in place with ALLCURA AG, Postfach 11 23 69, 20423 Hamburg, Germany, under contract number 81039001, with a sum insured of EUR 1 million per insured event. The geographical scope of cover comprises the contracting states of the Agreement on the European Economic Area.

Independent Fee-Based Investment Advisor

The designation “Independent Fee-Based Investment Advisor” (Unabhängiger Honorar-Anlageberater) is a protected term pursuant to Section 94 of the German Securities Trading Act (Wertpapierhandelsgesetz – WpHG).

Compensation Scheme

By virtue of its authorisation to provide financial services pursuant to Section 32 of the German Banking Act (Kreditwesengesetz – KWG), Honorarfinanz AG is a mandatory member of the Compensation Scheme of Securities Trading Companies (Entschädigungseinrichtung der Wertpapierhandelsunternehmen – EdW), 10865 Berlin.

Sustainability

How Honorarfinanz Integrates Sustainability Risks into its Portfolio Strategies

Sustainability risks are events or conditions in the areas of environment, social affairs, or corporate governance (ESG: Environment, Social, Governance) which could have a material adverse impact on the value of the investment. We are required by law to provide the following information. We do not intend to actively promote environmental or social characteristics within our investment strategies or for any other specific financial instruments:

Honorarfinanz aims to contribute to a more sustainable and resource-efficient economy, with the particular goal of mitigating the risks and impacts of climate change. In addition to taking sustainability objectives into account within our own internal organisation, we regard it as our responsibility to raise our clients’ awareness of sustainability aspects in the course of our business relationships with them. Within the scope of asset management and investment advice — but not within so-called execution-only business — we ask our clients about their relevant views and preferences and then implement them accordingly.

Environmental conditions, social disruptions and/or poor corporate governance may have an adverse impact on the value of our clients’ investments and assets in several respects. Such sustainability risks may have a direct effect on the assets, financial position and earnings situation, as well as on the reputation of the investment objects.

We do not currently pursue an autonomous sustainability strategy. However, when selecting financial investments, we take into account the information made available by the issuer. At present, the technical regulatory standards of the European Supervisory Authorities are still lacking, which would be required to examine in detail what adverse impacts on sustainability factors exist and how these can be incorporated into the advisory process. Due to the currently limited information available, these aspects are not, at this time, taken into account in advice as a matter of course. However, the principal adverse impacts of investment decisions on sustainability factors are discussed during the advisory process. We are monitoring further developments and will, in due course, develop our own sustainability strategy and, in particular, take adverse impacts on sustainability factors into account in our advice.

Statement on the Consideration of Adverse Impacts on Sustainability Factors

For asset management and investment advice. We are required by law to provide the following information:

  • Investment decisions may have adverse impacts on the environment (e.g. climate, water, biodiversity), on social and employee matters, and may also be detrimental to the fight against corruption and bribery.
  • We have, in principle, a substantial interest in fulfilling our responsibility as a financial services provider and contributing to avoiding such impacts in our investment decisions (or investment recommendations). However, in the current state of affairs, the implementation of the legal requirements set out for this purpose is unreasonable in view of the existing and impending bureaucratic conditions. Moreover, key legal questions remain unresolved.
  • In order to avoid legal disadvantages, we are therefore currently prevented from making a public declaration as to whether and in what manner we take account of the adverse impacts on sustainability factors (environmental matters, etc.) within the scope of our investment decisions (or investment recommendations). Accordingly, we are obliged to declare on our website that, for the time being and pending further clarification, we do not take these into account.
  • We expressly state, however, that this approach does not affect our willingness to contribute to a more sustainable, resource-efficient economy, with the particular aim of mitigating the risks and impacts of climate change and other environmental or social grievances.

Copyright

The content and works on these pages created by the site operators are subject to German copyright law. The 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 permitted only 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 identified as such. Should you nevertheless become aware of a copyright infringement, please notify us accordingly. Upon becoming aware of any legal infringements, we will remove such content immediately.

Source reference: Disclaimer eRecht24 (http://www.e-recht24.de/muster-disclaimer.html)

Source attributions for the images and graphics used:

Portraits: Honorarfinanz AG

Source: http://www.e-recht24.de