Terms of Service | Hinterbliebenenkasse der Heilberufe HDH

§ 1

Acceptance of Terms

By accessing or using this website, operated by Hinterbliebenenkasse der Heilberufe HDH Versicherungsverein a.G. ("HDH", "we", "us"), you agree to these Terms of Service. If you do not agree, please discontinue use of the website.

§ 2

Informational Purpose Only

All content on this website — including text on funeral costs, death benefits, and end-of-life planning — is provided for general informational purposes only. It does not constitute financial, legal, medical, or insurance advice, and should not be relied upon as a substitute for advice from a qualified professional.

§ 3

No Online Sale of Services

This website does not offer, sell, broker, or process any insurance policy, financial product, or paid service. No contract, application, or purchase can be completed through this website. Any decision regarding membership or coverage requires direct contact with our office.

§ 4

Accuracy of Information

We take reasonable care to keep information on this website accurate and up to date, but we make no warranty, express or implied, as to its completeness, accuracy, or suitability for any particular purpose. Figures relating to costs or benefits are illustrative and may not reflect current market conditions or individual circumstances.

§ 5

Intellectual Property

The text, layout, and graphic elements of this website are the property of HDH or its licensors, unless otherwise indicated, and may not be reproduced without prior written permission, other than for personal, non-commercial reference.

§ 6

Third-Party Links and Content

This website may reference or link to third-party resources, including mapping and typography services. We are not responsible for the content, accuracy, or practices of any third-party service.

§ 7

Limitation of Liability

To the extent permitted by law, HDH shall not be liable for any loss or damage arising from reliance on information found on this website, or from decisions made on the basis of such information. Nothing in these terms limits liability that cannot be excluded under applicable law.

§ 8

Governing Law

These terms are governed by the laws of the Federal Republic of Germany. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts of München, to the extent permitted by law.

§ 9

Changes to These Terms

We may revise these Terms of Service from time to time. Continued use of the website after changes are published constitutes acceptance of the revised terms.

§ 10

Contact

Questions regarding these terms can be directed to support@sterbegeld-hdh.org or by post to Arcisstraße 50, 80799 München, Deutschland.