Legal Notice

1. Website publisher

Alpen Kredit Group GmbH is registered with the commercial register of the Munich Commercial Court under number HRB 248920. The intra-community VAT number was issued in accordance with Article 286 of Directive 2006/112/EC.

2. Publication director

Pursuant to Article 6.III of the LCEN, the publication director is the legal representative of the publishing company. Friedrich Alpen is Geschäftsführer of Alpen Kredit Group GmbH and is responsible within the meaning of § 5 TMG.

3. Website host

The platform is hosted on Vercel Inc.'s infrastructure. The data of European users is processed on servers located within the European Union or the European Economic Area (EEA) in accordance with our data localisation policy. Any transfers to third countries are governed by the European Commission's standard contractual clauses (Art. 46.2.c GDPR).

4. Regulated activity — Credit brokerage

5. Intellectual property

All content on the alpen-kredit.com platform — text, graphics, logos, icons, images, sounds, videos, algorithms, software architecture, database — is the exclusive property of Alpen Kredit Group GmbH or its licensors, and is protected by:

• German copyright law (Urheberrechtsgesetz — UrhG)
• European Directive 2001/29/EC on the information society
• The French Intellectual Property Code (Art. L.111-1 et seq.)
• International conventions on intellectual property

Any reproduction, representation, modification, publication, adaptation or translation of all or part of the site's content, by any process whatsoever and on any medium whatsoever, is prohibited without prior written authorisation from Alpen Kredit Group GmbH. Any unauthorised use constitutes infringement liable to legal action.

The trademarks, logos and corporate names reproduced on this site are registered and protected. Their reproduction without authorisation constitutes an infringement of industrial property rights.

6. Hyperlinks and third-party sites

Inbound links: Any site may create a link to alpen-kredit.com provided it does not use framing techniques and respects Alpen Kredit Group GmbH's intellectual property rights. Alpen Kredit Group GmbH reserves the right to request the removal of any link that is detrimental to its image.

Outbound links: The platform may contain links to third-party sites. Alpen Kredit Group GmbH has no control over these sites and disclaims any responsibility for their content, availability or the privacy practices applied therein. The existence of a link does not imply endorsement of the third-party site's content.

7. Limitation of editorial liability

Alpen Kredit Group GmbH endeavours to ensure the accuracy and timeliness of the information published on the platform. However, the published information is of a general nature and does not constitute personalised investment, credit or legal advice. Alpen Kredit Group GmbH disclaims any liability for decisions made on the basis of information available on the platform.

The credit simulations available on the platform are indicative only and do not constitute a firm offer. Any decision to grant credit lies exclusively with the partner financial institutions.

8. Personal data and cookies

The processing of users' personal data is carried out in accordance with Regulation (EU) 2016/679 (GDPR) and the Bundesdatenschutzgesetz (BDSG). For more information:

9. Applicable law and dispute resolution

This legal notice is governed by German law. In the event of a dispute, the parties agree to seek an amicable solution before any legal action. Failing an amicable agreement, the courts of Munich (Landgericht München I) shall have jurisdiction.

10. Contact