Legal information

Access to the website of Credit Life International Services GmbH is subject to the following terms and conditions:

Liability

Credit Life International Services GmbH cannot guarantee the currency, correctness, completeness or quality of information provided. Credit Life International Services GmbH will accept no liability except for proven deliberate intent or gross negligence. This applies to both direct and indirect property damage or financial loss caused by use of the proffered information or of inaccurate or incomplete information. Credit Life International Services GmbH reserves the right to make alterations to the content of its home page at any time.

Intellectual property   

The content and structure of the website are protected by copyright law. All rights are and will remain reserved. No information or data (text, image, graphics, sound, video, animation and other files) on any webpage, and no extract from such files, may be used or exploited in any form without prior written permission.

Brands and logos

All brands and logos, including those of third parties, mentioned on the website are entirely subject to any applicable trade mark law and to the property rights of the registered owner.

Hyperlinks and references to other websites

Individual undertakings operating under the umbrella of Credit Life International Services GmbH use their own trade names and have their own websites providing information about their own products and services.  
Following certain links may involve navigating away from the information services of Credit Life International Services GmbH. Credit Life International Services GmbH cannot guarantee the correctness, accuracy, reliability or completeness of information on such linked webpages and expressly refuses to accept liability for any errors or omissions in such information. Hyperlinks to other webpages are provided purely for the convenience of users and do not imply that Credit Life International Services GmbH endorses or guarantees the correctness of these webpages or of the products and services therein described.
No liability will be accepted for any direct damage or consequential loss caused by using these webpages or downloading any kind of information.

Creation of links to the Credit Life International Services GmbH website

If a link is made to the Credit Life International Services GmbH website it shall appear on the home page www.creditlife.net and shall not infringe any rights of Credit Life International Services GmbH or other companies in the RheinLand Versicherungsgruppe, particularly copyright, intellectual property rights and trade marks. No link shall be created without the prior consent of Credit Life International Services GmbH.

Credit Life International Services GmbH cannot guarantee the up-to-dateness, correctness, completeness or quality of information provided. Credit Life International Services GmbH will accept no liability except for proven deliberate intent or gross negligence. This applies to both direct and indirect property damage or financial loss caused by use of the provided information or of inaccurate or incomplete information.

Credit Life International Services GmbH reserves the right to make alterations to the content of its home page at any time.

We have a deep sense of responsibility for the security of visitors to our webpages. Because Credit Life International Services GmbH attaches great importance to data protection, the following information about the use of personal data is provided for the reassurance of visitors:

Collection of data for the compilation of user profiles  

This website collects data for marketing and optimisation purposes. These data are used to compile user profiles under a pseudonym. This may involve the creation of cookies. Cookies are small text files that are stored locally in the temporary caches of users’ internet browsers so that the user’s browser will be recognised on his/her next visit. The data thus collected will not be used to identify any visitor personally without his/her express consent and will not be associated with the personal data attached to any pseudonym. This data collection and storage may be halted by the user at any time and will not resume thereafter. Credit Life International Services GmbH may, as far as legally permissible, pass on  information provided by users to co-operating partners of Credit Life International Services GmbH and to contractual service providers, who are also required to preserve secrecy and confidentiality when processing such data.

Co-operation with companies in the RheinLand Versicherungsgruppe and the co-operating partners of Credit LifeInternational Services GmbH

At present, Credit Life International Services GmbH acts as customer intermediary for products provided by the following co-operating partners:
Credit Life International N.V., Noorderpoort 9, NL-5916 PJ Venlo
Credit Life International Lebensversicherung AG, ProACTIV-Platz 1, D-40721 Hilden
Credit Life International Versicherung AG, ProACTIV-Platz 1, D-40721 Hilden
RiMaXX International N.V., Noorderpoort 9, NL-5916 PJ Venlo

Data encryption

Credit Life International Services GmbH attaches great importance to confidential processing and protection of user data against third-party misuse. To ensure secure data transfer, all user data are encrypted using a 128-bit Secure Sockets Layer, which is an internationally recognised security standard. This technology guarantees secure exchange of data between users and Credit Life International Services GmbH. Users know they are in a secure zone when they see that the ‘https’ protocol is being used.

Updating of data protection statement

Our data protection statement will be  updated whenever Credit Life International Services GmbH begins to act as intermediary for a new product or service or changes its internet procedures, or in response to new developments in internet and computer security technology. Hence Credit Life International Services GmbH reserves the right to alter or add to this statement when necessary. Any changes will be publicised on this site. The current version is dated 01.09.2010.
Applicability of the data protection statement for Credit Life International Services GmbH’s website
This data protection statement applies to all webpages maintained by Credit Life International Services GmbH. Our data protection statement shall not be invoked with respect to any links to other undertakings that may appear on our website. Credit Life International Services GmbH guarantees the confidentiality of personal data by imposing a duty of secrecy on its employees. It also guarantees that its security measures reflect the current state of technological development.

User rights

Users have a right to access their stored personal data and a right to correct, block or delete incorrect data. If you have any questions please contact:

Credit Life International Services GmbH
RheinLandplatz 1
D-41460 Neuss

Publishing information
Credit Life International Services GmbH
RheinLandplatz 1
D-41460 Neuss

Chair of the Supervisory Board
Christoph Buchbender

Managing directors
Michael Nerge
Peter Schiffer
Andreas Schwarz

Registered office
Neuss
No. 10492 in the Companies Register kept at the Neuss District Court.
VAT number: 03.02.00DE812856696

Regulatory authority
Industrie- und Handelskammer Mittlerer Niederrhein,
Nordwall 39, D-47798 Krefeld
www.mittlerer-niederrhein.ihk.de

Broker registration number
D-K9BX-2DNB8-41
Licence pursuant to § 34(d)(1) Trade Regulation Act issued by
See under ‘Regulatory authority’

Technical contact
Credit Life International Services GmbH
Marketing
RheinLandplatz 1
D-41460 Neuss

Preliminary information pursuant to § 11 Insurance Brokers’ Act