Initial customer information

Complaints bodies for out-of-court dispute resolution:

Versicherungsombudsmann e. V.
Postfach 08 06 32, 10006 Berlin
www.versicherungsombudsmann.de

Ombudsmann für die private Kranken- und Pflegeversicherung
Postfach 06 02 22, 10052 Berlin
www.pkv-ombudsmann.de

Schlichtungsstelle für gewerbliche Versicherungs-, Anlage- und Kreditvermittlung
Glockengießerwall 2, 20095 Hamburg
www.schlichtung-finanzberatung.de

2. Advice on & mediation of loans and real estate

When brokering loan agreements or real estate transactions (business division no. 3), Baron Investmentvertriebsgesellschaft mbH becomes your contractual partner.

Baron Investmentvertriebsgesellschaft mbH also offers the brokerage of real estate consumer loan agreements in principle, unless this is contractually excluded in advance.

Status:

• Real estate agent and loan broker pursuant to § 34 c para. 1 GewO
• Real estate loan broker pursuant to § 34 i para. 1 GewO

Competent supervisory authority for granting permission to broker loans (with the exception of consumer real estate loans) pursuant to Section 34 c (1) GewO:

Stadtamt der Freie Hansestadt Bremen
Stresemannstraße 48, 28207 Bremen
Tel: 0421/3614686
Fax: 0421/ 3616954
E-Mail: office@stadtamt.bremen.de
Internet: https://www.service.bremen.de/

Competent supervisory authority for the granting of permission for the brokerage of real estate consumer loan agreements according to § 34 i GewO:

Handelskammer Hamburg
Adolphsplatz 1, 20457 Hamburg
Telefonnummer: 040 36138138
Faxnummer: 040-36 13 8-401
E-Mail: service@hk24.de
Internet: https://www.hk24.de/

The broker is registered in the broker register under the following registration number pursuant to § 34i GewO: D-W-131-HAPR-55
www.vermittlerregister.info

The intermediary also provides advisory services.

Performance fee/costs, product range
Baron Investmentvertriebsgesellschaft mbH receives a performance fee from the lender for the successful brokerage of the loan. The amount of this remuneration may result in particular from:

• of the gross loan amount,
• interest payments and/or
• premiums.

The final amount of the remuneration is not yet known at this point in time. Detailed information can be obtained at a later date from the so-called ESIS (European Standardised Information Sheet), which you will receive in good time before the conclusion of the contract. Further variable remuneration is possible in principle, but is always based on qualitative characteristics.

Baron Investmentvertriebsgesellschaft mbH operates independently, i.e. it is not tied to any lender.

Complaints and dispute resolution

Baron Investmentvertriebsgesellschaft mbH participates in dispute resolution procedures before the consumer arbitration boards listed below. Consumers may, without prejudice to their right to appeal to the courts, appeal to the arbitration bodies named below within the scope of their respective jurisdiction.

In the event of disputes with consumers arising from the application of the provisions of the German Civil Code (Bürgerliches Gesetzbuch) concerning distance contracts for financial services as well as in the event of disputes with consumers arising from the application of Sections 655a – 655d of the German Civil Code (Vermittlung von Verbraucherdarlehensverträgen und entgeltlichen Finanzierungshilfen) or real estate consumer loan agreements and corresponding financing aids:

Schlichtungsstelle der Deutschen Bundesbank
Postfach 11 12 32, 60047 Frankfurt am Main
Telefon: +49 (0) 69 2388-1907,
Telefax: +49 (0) 69 709090-9901
Email: schlichtung@bundesbank.de
Schlichtungsstelle für gewerbliche Versicherungs-, Anlage- und Kreditvermittlung Glockengießerwall 2, 20095 Hamburg

Internet: www.schlichtung-finanzberatung.de

3. Details of: Other business areas

If Baron Investmentvertriebsgesellschaft mBH advises you on the general structuring of your assets without making specific investment recommendations regarding one or more financial instruments (financial planning) or advises you on the topics of succession planning, management consulting, seminars or software solutions, etc., these are transactions that do not require a licence and that Baron Investmentvertriebsgesellschaft mbH carries out for its own account and under its own liability.

4. Complaint management

If you are dissatisfied with our services, please contact us. Your contact person for complaints is first the responsible employee and otherwise then our managing director Thorsten M. Kuhr (e-mail: info@baron-investment.com). Dealing with complaints is our top priority and we will get back to you promptly. If you have any complaints about our activities, please contact our complaints office:
E-Mail: info@baron-investment.com
Telefon: +49 (0)40 / 18 04 074-0

5. Professional regulations:

– § 34d Trade, Commerce and Industry Regulation Act (GewO)
– §§ 59-68 Insurance Contract Act (VVG)
– Ordinance on Insurance Mediation and Advice (VersVermV) – § 34f Trade, Commerce and Industry Regulation Act (GewO)
– Ordinance on the Brokerage of Financial Investments (FinVermV)

The professional regulations can be viewed and accessed on the website www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH.

6. Compliance

see our notes: https://www.baron-investment.com/compliance

Information from the BDVM eV: https://bdvm.de/versicherungsmakler/code-of-conduct/

Information on the TVO (point 9): https://www.baron-investment.com/erstinfo

7. Information on sustainability

Art. 3 TVO
When selecting insurance companies and insurance products, we take into account the information provided by the insurers/product providers. If applicable, we do not offer insurers that recognizably do not include a strategy for incorporating sustainability risks in their investment decisions.
Within the scope of the individual advice provided in the client’s interest, we will, upon request, separately explain if the consideration of sustainability risks in the investment decision means a recognisable advantage or disadvantage for the individual client. The respective insurer informs about the respective consideration of sustainability risks in investment decisions with its pre-contractual information. If the client has any questions, he/she is welcome to contact me / us in advance of a possible conclusion.

Art. 4 TVO
Within the scope of the consultation, the most important adverse effects of investment decisions on sustainability factors of the financial market participants (insurers) are currently taken into account to a limited extent. Where applicable, the consideration is based on the information provided by the insurance companies. The insurance company, not the intermediary, is responsible for its accuracy. Due to the currently limited information provided by the insurers, these aspects are currently not taken into account in the advice as standard. They can be taken into account at the special request of the client on the basis of the data currently available. With a broader market offer in the future, they will be taken into account as standard.

Art. 5 TVO
The remuneration for the brokerage of insurance policies is currently not oriented towards the sustainability risks associated with the investments of these. This means in particular that the remuneration level of the product is currently not influenced positively or negatively by the sustainability risks of the investment.

Art. 6 TVO
When advising on insurance investment products, Riester and basic pensions or occupational pension schemes, sustainability risks are included by using the pre-contractual information provided by the insurers.
In the case of a possible dutiful assessment of a comparable or better return of the product that takes sustainability risks into account, we are happy to recommend this.